Settlement- cash service commercial bank legal entities laid the foundation for modern financial system. Such cases when enterprises pay directly are a thing of the past. Now for the attempt to commit such actions in some cases, even criminal punishment is provided.

general information

To begin with, let's find out what the settlement and cash services of legal entities in a bank are. Under this is called a set of services that are provided by a financial institution and which are aimed at ensuring timely settlements of the organization with various entities. The procedure for their provision is regulated by the Law “On Banks and banking", Civil Code Russian Federation and the regulatory framework of the Central Bank of the Russian Federation. Special attention should be paid to the Regulations on cashless payments, and other regulatory documents. It also requires an agreement between the client and the financial institution. It should be noted that settlement and cash services can be provided to individuals and legal entities, and not just the latter.

Basic cash services

After the contract has been concluded, the organization must receive a checkbook. It will be needed to receive cash for wages employees and the needs of the company. There are basic and additional services. The first ones include:

1. Issuance of account statements, which contain information about the transactions performed.
2. Cashless payments.
3. Operations with cash (the phrase "cash service" can also be used to refer to).

Basic services are usually free, or a symbolic commission is taken for their implementation. To carry out any of the above operations, you must use a unified form. The bank receives a fairly good income for the provision of additional services. Some institutions have their own characteristics. Let's take Sberbank as an example. in this financial institution provides for the possibility of opening an account not only in rubles, but also in a number of other foreign currencies.

Legal regulation

We have already considered what laws and regulations serve as the basis for relationships. But they regulate only as a whole and in general. Except legislative framework, an additional cash settlement agreement is concluded between the legal entity and the bank. There are no restrictions on the form of ownership for entering into such relations. When all the formalities are settled and opened, the enterprise can dispose of its funds for conducting any activity, which does not contradict the law. If this process is carried out for the first time, then special attention should be paid to the conditions for providing the following:

1. Receiving and issuing cash.
2. Ensuring prompt and uninterrupted movement of funds.
3. Possibility of carrying out operations with currency.

You can optionally connect other services, but it depends on the desire and needs of the enterprise itself. If we talk about interaction, then for these purposes two methods are used, from which everyone chooses what is convenient for him:

1. Classical. Provides for the transfer of orders personally on paper or through the mediation of a trusted person. Of the negative points, it should be noted the need to spend time traveling to the bank's office, so relatively few enterprises use this method.
2. Online banking. In this case, financial management is carried out remotely. Payment orders and claims are transmitted via the Internet. Due to its speed, flexibility and ease of use, this method is widely used by most organizations.

How is the calculation done?

When the bank receives an order from the company (it does not matter in what way, the main thing is that it is confirmed that the document was sent by an authorized person), then it executes it by agreement. For this purpose, it is now considered good manners to use BESP. This abbreviation stands for Bank Electronic Urgent Payments. Transferring money via BESP takes minutes. Although according to the law, the payment must be made within three business days. This is done in case of sudden and unexpected events that bring the system down. Although an additional fee may be charged for such a quick execution of the order. And transfers, even using BESP, will take just three business days. If a bank practices such schemes, it is necessary to think about whether to continue to be served in this financial institution. Fortunately, there are enough worthy competitors. Take, for example, such structures as Alfa-Bank, Sberbank, VTB 24. Settlement and cash services for legal entities, if the client does not satisfy, you can change the financial institution. Remember that we can vote with our wallets.

Acquiring

All enterprises that are on the cash register of a certain financial institution can, after signing a separate agreement, make it possible to pay for goods without leaving the outlet. True, in such cases it is necessary not only to take care of the availability of all the necessary equipment, but also to carry out a fairly significant number of control measures in time (first of all, this applies to safety). The same can be said about the acceptance of payment through payment cards on the World Wide Web. In such cases, terminals replace special forms that the buyer must fill out.

Cash transactions

For this purpose, the previously mentioned amounts are used. The amounts issued with its help are used to finance the economic side of the enterprise, pay wages and settle accounts with suppliers. A corporate bank card has recently become a kind of analogue for a checkbook. When it is issued, a special account is opened, with the help of which the financial institution conducts a register of all transactions performed, issues statements with the amounts of turnover and cash balances. Consider the example of VTB. Settlement and cash services for legal entities in terms of wages for employees is carried out by transferring a certain amount of money to bank card. But for some people, this approach is not convenient, because they are used to being customers not of VTB, but of Sberbank. In this case, an accountant may additionally be sent to the bank, who will be there already with the help of a checkbook to receive the necessary amounts. As you can see, there are positive changes, but so far certain obstacles often arise before the full automation of the process of crediting money. If you have to move with a significant amount of money, then many large financial institutions offer a collection service. It is available after the current account and the corresponding supplementary agreement have been signed.

Account opening

This service can be both paid and free. It all depends on the policy of the bank. But this amount is not unbearable even for new enterprises - for such a pleasure you will have to pay "only" a couple of thousand rubles. A few hundred more must be paid for servicing a current account. Many financial institutions charge usage fees only in the months when there is at least one transaction. Certain deviations from the indicated values ​​\u200b\u200bmay be in those cases if not a ruble account is opened, but a foreign currency one. Abroad, respectively, other prices for these services, which vary depending on local specifics.

Interaction with the tax service

This information will be useful to those who are just thinking about opening an account. The fact is that, according to the legislation of the Russian Federation, a legal entity, when opening a current account, must report this to tax service no later than 5 days after the clearance was completed. If you do not make it on time, then a fine is imposed. In the absence of a desire to understand all the nuances yourself, you can entrust all questions to a company specializing in this. The approximate cost of such a service will be about 2-3 thousand rubles.

Conclusion

There is much more to be said about how the system of settlement and cash services is arranged, to touch on various nuances and aspects. In general, if an entrepreneur or manager has at least a general idea of ​​the CSC, this will allow him to better understand the affairs of the subordinate company, which is undoubtedly a significant plus.

The main activity of any bank is settlement and cash services. individuals and individual entrepreneurs. The range of services includes the following procedures with financial flows:

• registration;
• storage;
• moving;
• recalculation;
• collection;
• accounting.

An agreement is concluded with the client, after which an account is opened, through which financial transactions will be carried out in the future. Depending on the type of currency and the specifics of entrepreneurial activity, the amount open accounts may differ.

Legal entities and individuals are offered various packages of banking products. Some of the services may be provided free of charge. Tariffs for paid services are strictly regulated by state legislation, the requirements of which are mandatory for all commercial banks.

In the process of creating an agreement, the parties may make certain requirements and additions to the conditions. Failure to comply with the rules of the agreement is punishable by fines, the amount of which is also controlled legislatures. The main responsibility of a financial institution is to ensure the prompt and uninterrupted movement Money client since high level safety of all procedures.

Legal regulation of settlement and cash services

Maintaining a foreign or ruble account includes a large list of operations. Legal regulation in the field of banking allows the population to safely store, use and place their own savings or profits from operational commercial activities, as well as receive interest on deposits.

The work of banks in the field of cash and settlement services is controlled by the following rules:

• federal legislation;
• Civil Code of the Russian Federation;
• provisions of the Central Bank of the Russian Federation.

The main regulatory mechanism is the contract concluded between the parties. Any commercial company can use the services of a banking organization. Individual entrepreneurs independently choose a financial institution to receive cash settlement.

Opening an account is a necessary measure to access the main package banking services, which allows you to create a competent approach to the conduct of operational commercial activities. State law regulates the following obligations to the client:

• storage of funds;
• crediting the received amounts;
• transferring money to the accounts of other citizens.

The contract may contain specific features, rights and obligations of the parties.

Settlement and cash services for legal entities

RSC for legal entities is a set of services aimed at meeting the needs of enterprises and organizations. This area of ​​activity ensures prompt and uninterrupted movement cash flows.

An important feature of cash and settlement services for legal entities is access to foreign exchange transactions that can be carried out if there are three accounts:

• transit;
• current;
• account for buying currency on the national market.

Currency service includes:

• purchase and sale (on behalf of the organization);
• sale of currency received from the operational activities of the enterprise (a specific part, the amount of which is regulated by state legislation);
• conversions;
• regulation of export and import transactions.

An important part of the work in this area is the conduct of cash transactions. A financial institution provides not only basic (reception, issuance, accounting), but also additional services (recalculation, collection, acquiring on the Internet).

Settlement and cash services for individuals

Work with individuals is a separate area of ​​activity for banks. The prospect of this direction lies in a fairly large audience of customers. The following services are provided to the public:

• closing and opening an account;
• accrual of interest on the balance of funds (conditions are described in the terms of the agreement);
• issuance of cash at the cash desk of the service department;
• issuance of interest on deposits;
• making money transfers;
• translation on behalf;
• carrying out operations under a power of attorney;
• creation and issuance of certificates on performed operations;
• accepting funds to pay for housing and communal services, taxes, insurance and fines.

Citizens are provided with a number of additional services that can be aimed at financial control and automation of payments to an individual. The contract prescribes special rules and requirements at the request of the client.

Having a bank account allows an individual to:

• receive a salary, pension or stipend;
• pay for goods and services on the Internet;
• withdraw cash from an ATM with a plastic card;
• make payments to meet business needs;
• contribute money to local and state funds.

Modern Internet services play an important role in the functioning of the system for providing RKO to the population.

Settlement and cash services for non-cash transactions

The RCL of non-cash transactions includes:

• fast and safe execution of orders;
• notification of withdrawal and receipt of funds;
• creating account statements.

Each individual entrepreneur has the right to independently choose a range of services that will best meet the needs of commercial activity. Economic relations between the client and the financial institution are built on the creation of certain orders and their timely execution.

Today, it is possible to create orders in real and virtual space. The latter method is more economical and comfortable, as it does not require personal presence in the department. Internet banking allows you to create orders and requests online, which contributes to a significant reduction in the time for transactions.

Settlement and cash services for foreign exchange transactions

Many companies have to interact with foreign partners in the process of achieving commercial goals. This state of affairs forces us to constantly use euros or US dollars to regulate economic relations.

It is necessary to open three accounts at once when concluding an agreement with a financial institution in order to legally use the currency of another country. The current legal entity can credit funds for further use and profit. On the transit account, control and placement of the company's revenue is carried out. The third account is necessary to account for that foreign exchange, which was bought in the national market.

According to the agreement, the bank can sell or buy currency on the basis of an order created by a legal entity. At the same time, each client undertakes to sell on the market a part of the currency that was received from international business activities. The financial institution assumes responsibility for carrying out conversion operations. important role in the structure currency transactions wins back the use of funds in the process of implementing transactions in import and export.

Acquiring

Using the acquiring service, the client can completely get rid of cash. In retail outlets where special terminals are installed, it is possible to pay for goods, works and services using a bank credit card. This service is provided only by large financial institutions that have sufficient solvency to:

• installation of special equipment;
• regulation of the legal features of activities in this area;
• behavior of procedures for using plastic cards at retail outlets.

Acquiring operates not only in real, but also in virtual space. Citizens who have a plastic card of an acquiring bank can make payments online, receive reports on purchases made and fill out special forms for transactions. Internet acquiring involves the following procedure for conducting a financial transaction:

• the company draws up an agreement with the bank;
• the website of the organization contains data on the possibility of using a plastic card of a certain type;
• the client fills out the form to complete the transaction;
• the bank monitors requests and satisfies them if necessary;
• an application for the shipment of goods is made.

In this case, the bank takes responsibility for verifying and tracking requests.

Internet acquiring

Internet acquiring is available to those enterprises whose activities meet the requirements of international payment systems. The following conditions are required for signing the contract:

• evidence of authorized commercial activity;
• type of entrepreneurship allowed on the Internet;
• the presence of a properly designed virtual retail space.

The service is provided only to the websites of those companies that contain the necessary information about the goods and services sold.

An important role in the process of providing this service is played by processing centers that coordinate payments on the Internet. All payments are processed automatically to ensure the functioning of e-commerce in general. Some banks have their own processing centers, but other financial institutions have to resort to the support of third-party partners.

Operations with cash

The main financial instrument for cash transactions is a checkbook, which is distinguished by its versatility and ease of use. It enables the individual entrepreneur to produce:

• payment of wages;
• payment for production and economic needs;
• settlement with suppliers of raw materials and goods.

Another equally important tool is a corporate card. Access to its receipt opens after the creation of a special account with a credit institution. The signing of the agreement imposes the following obligations on the bank:

• maintaining a register of financial transactions;
• creation and issuance of statements;
• informing the client about accruals and balances.

A legal entity hands over cash to the cashier, after which the employee draws up a standardized receipt order. After that, the money is credited, and an authorized employee draws up a report on the procedure.

It is important for large companies to control cash. To meet this need, the collection procedure is used, which is available only after opening an account and signing an additional agreement.

State legislation strictly regulates the activities of the credit sector of the economy, therefore, it establishes certain requirements for pricing in the field of banking services.

Settlement and cash services in Russian banks

In Russian banks, RKO is provided on a paid basis. However, along with the creation of prices for services, credit institutions can work on the development of a special package of free additional services. So, for example, Internet banking is freely available to all Russian citizens who have signed an agreement with a credit institution.

RKO in Russia is provided to individuals and legal entities. For each group of clients, the package of banking products may have significant differences.

All commercial banks operate only within the framework of the rules and regulations of the current state legislation. Depending on solvency, credit institutions can constantly expand the range of their products in order to meet the needs of the population as much as possible.

A bank account is accounting documents(registers), which record the presence and movement of customer funds. When opening an account, the bank, according to the agreement, undertakes to accept cash payments received by the client, as well as to execute his instructions for various types of transfers, issuance of certain amounts and other operations prescribed by the agreement. The client opens bank accounts by agreement in order to make non-cash payments, store and transfer funds, and receive loans. What is account maintenance? Let's figure it out in this article.

Account difference

It is necessary to distinguish between the internal accounts of credit institutions used in accounting and bank accounts. Their difference lies in the fact that a bank account is opened on the basis of an application and an agreement between a credit institution and a client. He comes under the control of the latter. Operations are carried out on such an account in accordance with its instructions. It also closes at the request of the client. Internal bank accounts are provided for by the Chart of Accounts for accounting in credit institutions, which the latter directly manage. Their necessity lies in the fact that they are used for financial analysis accounting and various kinds banking operations credit institution. IP account maintenance is offered in many banks.

Operations without opening an account

Banking law also provides for transactions that can be carried out without opening an account. For example, individuals can produce Money transfers(excluding postal) with the help of a bank and not to open a special account in this case. But this is an exception to the rule. Maintaining an account is not very expensive, but it makes doing business much easier.

In the norm fixed in the second part of Article No. 5 federal law“On Banks and Banking Activities”, it is prescribed that credit organizations open bank accounts for legal entities and individual entrepreneurs (except for local governments and state authorities), based on certificates of state registration individuals as individual entrepreneurs, legal entities, also that they are registered with the tax service.

How is a bank account maintained?

Account types

Differ the following types bank accounts:

• current;
• budgetary;
• settlement;
• correspondent;
• correspondent sub-accounts;
• special banking;
• trust management;
• deposit for ships or bailiffs, law enforcement agencies, notaries;
• deposit accounts.

The most widespread are current and settlement accounts, with the help of which it is possible to carry out non-cash payments.

Settlement accounts are used by all organizations, regardless of the form of ownership, built on commercial principles and registered as a legal entity. Maintaining an account is a fairly simple process.

The one who owns the current account, can dispose of the funds on it, has own balance, independently pays all payments and enters into a credit relationship with the bank, that is, the account holder is independent economically and legally.

In our country, the company received permission to open different accounts in several banks in the first years of market reform. In the Soviet period, an enterprise could have only one current account in a single bank. Having multiple accounts with multiple banks is normal for market economy and even necessary, because banking system in particular, and the economy as a whole, benefit from this, while individual commercial banks, which previously served the client comprehensively, suffer losses.

A large number of accounts, which has no limits, is regarded as a way to overcome the monopoly of banks. In addition, there is a decrease in the subordination of an economic entity to a bank, competition relations between banks are stimulated, and the characteristics of settlement and cash services are improved.
The ability to have a large number of settlement accounts gives the company the opportunity to maneuver its financial resources, choose the most profitable banks, in which the opening and maintenance of accounts costs less, reduce risks in the event of a loss of liquidity by the bank (if the latter has frozen any account).

The consequence of this innovation was that financial and cash control over credit institutions has become much more complicated, since an enterprise, having several accounts in different banks, has the same number of limits on cash balances and other cash norms. Despite the recommendation of the monetary authorities to commercial banks to coordinate cash rates among themselves, in reality this turns out to be very difficult, since the account and information about it are confidential.

Current accounts can be opened by organizations that are not engaged in commercial activities and are not public, legal entities or institutions whose funding comes from the budget.

There are restrictions on the independence of the owner of a current account compared to those who have a current account. The first can manage money only in strict accordance with the estimate, which is approved by a higher organization. The list of available transactions is set at the moment when the account is opened. Non-cash payments form a non-cash turnover, reflected in current, settlement and other accounts.

Documentation

To open a bank account, you need to provide the following documents:

Bank Responsibilities

An agreement is concluded between the bank and the organization on opening and servicing a current account, which reflects the obligations of the client and the bank. The bank's responsibilities include:

• carrying out timely full settlement and cash services in accordance with current regulatory documents;
• ensuring the safety of funds received on the accounts, returning them to the client upon request, maintaining the confidentiality of information about the client's activities;
• preservation of trade secrets for all operations performed by the client.

Client Responsibilities

The client must:

• strictly comply with the requirements of all regulations that regulate the implementation of cash and settlement transactions;
• keep all your funds only on the account;
• give the bank, within a certain period of time, statistical and financial statements and other necessary documents;
• in writing, notify the bank in advance of closing the account and changing the form of organization.

The account holder as a taxpayer must, within ten days, inform the tax organization at the place of registration in writing about the opening/closing of the account.

For example, in Sberbank, maintaining a current account is inexpensive.

Features of settlement and cash services

Settlement and cash services, which includes the opening and maintenance of bank accounts for legal entities, is a very profitable and important activity. This is primarily due to the fact that these procedures, coupled with various operations that facilitate the attraction of financial resources of legal entities and their placement on behalf of the bank, are the criterion by which the bank differs from another credit institution.

By involving legal entities in servicing a bank account, you can establish business relations with them in such a way that after some time they can develop into closer forms of interaction: bank guarantees, lending, factoring, leasing, trust, etc. Relationships built in this way become very strong, since the client and the bank trust each other and have complete information about the opposite side, which means they become partners with mutual interests and mutual benefit. Maintaining an account with Sberbank attracts many.

RKOs also benefit banks by supporting an increase in their resources. The remaining funds from customer bank accounts generated by this type of service are borrowed funds presented by the bank in the form of demand deposits. Moreover, the method of obtaining them is cheaper and simpler, weeks of receipt of such funds from sources of a different type: deposits, deposits, interbank loans, debt valuable papers etc.

In addition, the funds received by the bank allow it to ensure its liquidity, that is, the fulfillment of obligations in accordance with the deadlines.

How exactly is the current account serviced for IP?

Theoretical basis of RSC

All transactions related to the supply of any wealth and the provision of various kinds of services, end with cash settlements between the supplier and the buyer. To conduct non-cash payments, legal entities engaged in commercial activities, as well as individuals with private practice and individual entrepreneurs must open a checking account. In this case, the organization may have several accounts in different banks.

Opening and maintenance of an individual entrepreneur account in a bank is carried out only when the required documents are provided to the bank, as well as after the identification of the client and the conclusion of an appropriate agreement with him. Under this agreement, the bank assumes obligations to receive and credit funds received to the account opened by its owner, to fulfill the client's instructions on transfers and issuance of the required amounts, and to carry out other operations on it. At the end of the opening of the current account, a corresponding entry is made in the account registration book no later than within the next working day after the conclusion of the agreement. The bank account service agreement must be strictly observed.

Settlements are performed by banks in accordance with the forms, rules and standards that are established Central Bank RF. If there are no such rules, then by mutual agreement. Regardless of this, banks must credit and transfer the owner's funds from or to his account no later than the business day following the receipt of the required payment document, unless other requirements are provided at the legislative level, in the bank account agreement or in the bank account itself. payment document. Funds are debited from the account after receiving an appropriate order from its owner or at the request of third parties as a result of a court decision.

Bank liability

If the funds are debited / credited untimely or incorrectly, the bank is obliged to pay interest on the amount of these funds in the manner and amount provided for by Article 395 of the Civil Code of the Russian Federation.

Usually, a bank, taking into account banking rules and legal requirements, creates standard forms of an agreement on opening a bank account, under the terms of which the IP account is serviced. After that, the client either accepts the conditions in full, or, in case of disagreement with at least one clause, may refuse to conclude such an agreement.

The specificity of the bank account agreement is also manifested in the fact that the parties, due to the extreme diversity and complexity of relations, their rather detailed study in banking rules and laws, do not define mutual obligations and rights in all details, but only agree with the established conditions.

Who regulates?

RKO regulates the law "On banks and banking activities" regulatory framework The Central Bank of the Russian Federation, including the Regulations on non-cash payments adopted in our country, the Civil Code of the Russian Federation, the Regulations regulating the procedure for performing cash transactions in various credit institutions, as well as other normative documents. Also, an agreement on the provision of settlement and cash services for the account must be concluded between the bank and the client.

RKO services

The RSC includes the following main services:

• Cash settlements, that is, cash services.
• Cashless transactions.
• Provision of account statements for all transactions performed.

Currency accounts

It is also appropriate to recall that settlement and cash services most often involve the objective possibility of opening and using not only a ruble account, but also a foreign currency one. In addition to the above basic services, banks can also include add-ons to cash settlement services. These include, for example, cash collection services, conducting transactions on accounts through a system that provides remote access. RKO is a bank service with which he can earn money. It is worth noting that basic services are usually free, or at all, or charge low fees. For side services, the bank takes payment in the form of interest payments or as a monthly service cost.

RKO tariffs PJSC "Sberbank"

Sberbank offers its customers favorable terms of cooperation. Here are the tariffs for settlement and cash services for entrepreneurs:

• Opening an account - 3000 rubles.
• Maintaining an account - 1700 rubles.
• Transfer of funds - 11 rubles. to Sberbank, 32 rubles. to other banks.
• Transfer of funds to the budget - free of charge.
• Cash withdrawal from the account - 1.4% of the amount, at least 250 rubles.

The bank has several tariff plans - Minimal, Basis+, Active+, Optima+, Salary, Trading and others. This is subject to transaction limits. The cost of the service package also varies. You can pay for six months in advance, then it turns out more profitable.

We examined how the accounts of legal entities are serviced.

Settlement and cash services for legal entities

• Opening in the shortest possible time ruble and foreign currency accounts;
• Obtaining advice on the procedure for conducting banking operations;
• Transfer of funds within Russia and abroad on the day of submission of payment documents;
• Depositing cash into the cash desk with their simultaneous crediting to the settlement (current) account;
• Collection of cash proceeds;
• For non-resident legal entities, it is provided for opening and maintaining bank and special accounts; client-bank;
• documentary operations;
• Operations with foreign currency;
• Collection and delivery of funds and valuables (the service is available at the Head Office of JSCB "SLAVIA" (JSC) in Moscow and at the Branch of JSCB "SLAVIA" (JSC) in Lyubertsy); lending.
• JSCB SLAVIA (JSC) promptly and on favorable terms for customers will satisfy their needs for cash.

Terms of Service and Tariffs

Maintenance of accounts in rubles and foreign currency is carried out free of charge or at minimal rates. The terms of service and tariffs of JSCB SLAVIA (JSC) for all types of ruble and foreign currency accounts are given in the Tariffs for Customer Service (attached to the Bank Account Agreement).

Service procedure

The operational day in JSCB "SLAVIA" (JSC) lasts from 9:30 to 17:00. At the same time, payment orders passing through the settlement system of the Bank of Russia, transferred to the bank on hard copy, before 17:00, according to the "Client-Bank" system until 17:00, are executed on the current business day, and instructions transferred to the bank after the settlement time - on the next business day. Payments made within JSCB SLAVIA (JSC), transferred to the bank before 18:00, are processed on the current business day, after the settlement time - on the next business day. On pre-holiday days, the operating day is reduced by 1 hour and on Friday the operating day is reduced to 16:45. Account statements are provided from 9:30 of each banking day. Cash must be ordered at the bank before 13:00 on the day preceding the day of its receipt. Receipt and disbursement of cash are carried out during the operating day.

Operating time and procedure for execution of payment documents of clients when making foreign currency transfers to beneficiary accounts in other banks (credit institutions):

Foreign currency	Operating time	Period of execution
U.S. dollar	Until 16:00 (Friday and holiday days - 15:30) Postoperative time - until 16:30 (Friday and pre-holiday days - until 16:15)	Current business day
Euro	Until 14:30	Current business day
GBP	Until 12:30	Current business day
tenge	Until 10:30	Current business day
Yuan	Until 14:30	Current business day
Belarusian ruble	Until 11:30	Current business day
Other foreign currencies	Until 15:00	next business day

Payment documents when clients make foreign currency transfers to beneficiaries' accounts with JSCB SLAVIA (JSC) are submitted to the Bank before 17:30 (on Friday and holidays before 16:15) and are executed by the Bank on the current working day.

Greetings, friends! Remember the last time you paid in cash at a store? I am sure that most of you use cash for small purchases, paying for most of your purchases through non-cash payments. And if ordinary individuals actively use the possibilities of current accounts, what can we say about enterprises. Today, settlement and cash services for legal entities has become literally an integral part of business, both small and large. It is unlikely that anyone will argue that entrusting a current account to a bank is an extremely responsible decision that requires maximum seriousness. In fact, all the costs of the company, the security of cash flows and, as a result, its profitability are in the hands of the bank. In this article, I would like to highlight the topic of CRS in more detail, tell you what such a service is, and which bank to look for the most favorable rates.

What is RKO and how does it work?

So, I propose to first find out what a current account is, and then move on to the main topic of the review. A checking account is a legal account. persons with independent balance in banking institution, which is designed to save money, carry out non-cash transactions with other legal entities or individuals.

Based on this definition, we can reveal the essence of settlement and cash services. RKO is banking service system, with the help of which the accounts of individuals and legal entities are serviced, all monetary transactions in any currencies.

In order to use this kind of opportunity, potential customers need to send a certain package of documents to the bank and conclude an appropriate treaty. The legal aspects of RKO are enshrined in the Law " About banks and banking activities”, and are also determined by the regulatory legal acts of the Central Bank of the Russian Federation.

Checking account- this is an account legal individuals with self-balancing in a banking institution, which is designed to save money, carry out non-cash transactions with other legal entities or individuals

Today, almost no organization can do without RSC. In addition, the need for non-cash money circulation arises among individuals. It is for this reason that not a single non-cash transaction is carried out without settlement and cash services, no cash is withdrawn and credited to the account, accounts in foreign currency are not maintained, and statements on the performance of operations on current accounts are not issued.

Cash and settlement services for legal entities in credit institutions implies maintaining all settlement account transactions. This includes the calculation of salaries, and the payment of pensions, and scholarships, and other similar payments. It is worth noting that transactions can be carried out both in rubles and in foreign currency.

Composition of services

If we talk about the fundamental services in this area, they can be summarized in a single classification:

• non-cash payments;
• cash payments;
• decor bank statements by accounts.

Working with accounts and cash transactions, banking organizations use special forms:

• money orders(if we are talking about settlement accounts for payment) or, as they are also called, “ forms 0401060»;
• cash deposit forms to bank accounts;
• checks, which are issued at the moment withdrawals funds in the form of cash from the account.

The signing of an agreement on the provision of cash and settlement services means that the company has the right to receive checkbook. It is one of the main tools for cashing out funds that are necessary for remuneration of the company's personnel and its other needs.

In order to improve settlement and cash services, many banks offer their customers to use the system " Bank-Client". Its specificity lies in the fact that in addition to the basic package of services, customers also receive additional options like cash collection or remote access to settlement accounts.

However, here you need to be prepared for the fact that if the bank provides the main block of services free of charge or completely for minimum fee, then you will have to pay for related options. In general, there is nothing surprising in this, because, whatever one may say, a bank is a commercial organization.

apply for RKO and use 2 months for free

What is the RKO?

In accordance with the settlement and cash services agreement, the bank provides customers with the following list of services:

• operational and uninterrupted flow of funds;
• conducting currency transactions;
• receiving and issuing cash funds.

To successfully complete the above tasks, banks use special financial instruments. Of course, the main one is the current account, after opening which it will be possible to get access to other bank products related to the circulation of finance. These include the following:

Cashless transactions

This includes the prompt execution of client orders, and regular information about incoming and expenditure transactions and issuance of bank statements. In order to manage the client's finances, banks can choose for themselves a specific package of services, which will include basic and additional operations.

Companies can interact with credit institutions in two ways:

• Classic, passing orders in paper form from hand to hand or through authorized persons. However, in this case, you will have to spend time traveling to the bank office;
• Online. Using Internet banking to manage finances, all payment requests and orders can be performed remotely. Such interaction is preferred by the vast majority of companies.

RKO rates may differ significantly depending on what services will be ordered.

Currency operations

If an organization needs to carry out its activities not only in national currency, she also needs to open a foreign currency account, or rather three accounts at once:

• current(in order to manage the currency already available to the legal entity);
• transit(to keep track of incoming revenue);
• an account that will keep records of all currency purchased within the domestic market.

The package of services for settlement and cash services of foreign currency accounts includes:

• purchase/sale of currency based on company orders;
• sale of foreign exchange earnings in the amount established by law;
• conversion operations;
• accepting payments or sending them for export-import client transactions.

Acquiring and internet acquiring

To begin with, I propose to find out what acquiring is for an entrepreneur in principle. Imagine a situation where your company is on the cash register in some kind of credit institution. This means that you can use the service of accepting bank cards to collect payment for goods at your point of sale - acquiring. Financial institutions, which implement this kind of activity, are called acquiring banks. I want to draw your attention to the fact that they not only install the appropriate equipment in stores, but also organize events for the use of cards.

An analogue of this service is the acceptance of payment via cards on the Internet. In this case, the terminal for reading information is a special form filled out by the buyer. This type of activity is referred to as Internet acquiring.

Operations with cash

Immediately after the conclusion of the contract for cash settlement, the enterprise can issue a check book at the bank that will be engaged in servicing. An alternative, more modern version of this payment instrument can be considered a corporate bank card. The execution of such plastic is accompanied by linking the card to your account, on which the credit institution will register all payment transactions, issue statements on turnover and balance, and keep records of funds on the current account.

Collection

A service that is recommended for all businesses that regularly deposit or receive large amounts of funds. The Bank will ensure the collection and transportation of cash or any other valuables between organizations, thereby ensuring their safety and security.

Internet banking or mobile banking for legal entities

I must say right away that only the most advanced banks provide such services, and therefore do not be surprised if your credit institution cannot provide you with remote access to your current account.

What to pay attention to first of all?

Choosing a bank for cash settlement is not an easy task. To make it a little easier, I suggest that you focus on the following points when choosing:

Bank reliability

I tell you right away that you should not consider the TOP-30 of the best state-owned banks. Yes, they are really reliable due to the large number of assets and money turnover within these banks. However, they are clumsy, not flexible enough in terms of workflow and solving non-standard tasks. In addition, as a bonus from interacting with these banks, we also get an overly picky financial monitoring department and currency control. Considering that freezing our payments out of the blue and requiring a huge list of documents to confirm this or that transfer is a common thing for them, we simply cannot avoid problems at times when payments need to be made quickly.

It is best to give preference to commercial banks with a flexible system and customer focus. Of course, you should not take your money to some kind of sharashka office, the bank must have a license from the Central Bank of the Russian Federation, but at the same time not strain customers with inadequately intrusive control, help solve complex and non-standard problems, securing you for real competent manager. Ideally, if the bank also organizes the acceptance of most documents online via the Internet or a mobile bank linked to your cash register.

It is not worth considering the TOP-30 of the best state-owned banks, it is better to give preference to commercial ones

Subscription fee

The amount of payment for servicing an account in the Russian market varies within 500-3000 rubles. It all depends on what package of services is included in this tariff. For example, the availability of 100 free payments per month, reduced commissions or a certain limit without commissions for transferring funds to individuals' accounts (simple debit cards), tax reporting, and similar activities. It will be more profitable to cooperate with the bank that, for less money, will offer you the largest number of such goodies that can save you time, money and nerves.

Payment order cost

Varies between 15-40 rubles for one payment order. The average market value is 23 rubles. In addition, many banks offer their customers a payment transfer service. out of turn. Imagine that the settlement day at your bank ends at 8 pm local time. This means that all bill payments will be made strictly before the specified time, and the closer the clock hand approaches the “8” mark, the less chance we will have that the payment will be made before the end of the day. However, for 300 rubles (price may vary) we can advance in the queue and secure the transfer of the payment during today, pushing other customers to tomorrow. This feature works in banks that carry out most of the transactions manually.

Suppose your director is leaving on an unscheduled business trip, and he desperately needs per diem or travel allowance right today. Obviously, the money is needed before 9 pm. In this situation, the option with increased priority will be very useful and will eliminate the need to transfer to the employee's personal bank card.

Commission for withdrawal at the cash desk or by check

Pay attention to the size of the commission: on what amount it depends and at what volumes it decreases or increases. The percentage of commissions on the cash settlement market varies between 0.5-1.5%. There are options for 4-8% of the withdrawal amount, but these are cash-out schemes. In this case, it all depends on the bank with which you want to work, and on how much you need it.

The rigor of financial monitoring

A very important indicator. Financial monitoring is in every bank. You and I should be interested in which of them can turn a blind eye to the partially gray schemes of the legal entity. Even if you work extremely honestly, pay all taxes, I insist that you open accounts in top commercial banks. Whatever it was, but giant banks never refuse to purse documents out of the blue. Therefore, it is necessary find the golden mean of the bank's reliability and adequacy in relation to financial transactions of clients. I do not advise you to open accounts in little-known or financially unstable banks. Such organizations give the green light to almost all activities and cash in on everything that moves. Such Robin Hoods live no more than 2-3 years until the Central Bank decides to close their “shop”. Unfortunately, no one can guarantee that your working capital someday return to the accounts of your company after the closure of such a bank.

Account balance accrual

Many banks now offer a service similar to the calculation of interest on the balance of funds from debit cards. For example, your current account has an amount of 2,000,000 rubles. This money is simply gathering dust on the balance sheet, since no movements are expected in the next 1-5 days. This money can be put into internal savings account, where they will be additionally charged 6-9% per annum. This will allow you to scroll through the interest and give the money the opportunity to work a little for the benefit of the company, and not just lie on the account as a dead weight. Often there are situations when you need to pay suppliers in a week, and the required amount is already in your account. Agree, it would be foolish not to use the money during this downtime.

Working hours of tellers and payment processing

This is the time for which payments are made on settlement accounts. in manual mode. In different banks, the terms may differ and vary within 9-20 hours a day. Modern banks offer to make payments for many positions in automatic mode. The steeper the bank, the more operations it automates, leaving for manual work only the verification of large amounts and foreign transactions in foreign currency.

Internet bank

As in any kind of personal accounts, the main thing here is convenience and saving time for customers. Internet banking allows you to create payment templates, maintain a workflow of transactions: sent/signed or waiting to be sent, in processing, completed, and so on; keep records and statistics on completed transactions and amounts. By the way, recommended by me Tinkoff banks and Tochka have in their arsenal more mobile banks for legal entities, which allows you to carry out all transactions on your current account directly from your phone. The most important thing in this case is don't forget about information security . Convenience is convenience, but if you lose or forget your phone, just imagine how much trouble you can make and how much money you can lose. To prevent scammers from accessing your RKO mobile app, use passwords and secure locks. Talk to your manager and find out what regulations are used in such situations.

Conditions for linking a card

Many banks offer to link a "business card" to the cash register. Here you should pay attention to the annual subscription fee, the availability of an ATM network (% for cash withdrawals and monthly withdrawal limits). If this would be more profitable than withdrawing funds by check at the cash desk, then why not save your time and not use the services of an ATM?

Technical support of the bank and assigning a manager to you

This moment is not so important, but it still helps a lot when questions arise, the answers to which cannot be found in open sources. It's great if a person with an internal number or work number is assigned to you. mobile phone who will know who you are and what your work system is. This will solve the problem of the endless repetition of the same things on hotline bank with constant expectations. Agree, you often have to feel like a parrot when, having explained the problem to the operator, it turns out that this problem is unknown to him, and he is forced to entrust its solution to another specialist. To avoid such unpleasant communication, when opening an account, ask if you can get your manager's contacts, and then call him to get to know each other and check if they gave you the correct number.

Paper question: what documents are needed for cash settlement?

To open a bank account for IP, you will need to provide the credit institution with the following package of documents:

• passport;
• an identification number;
• registration number of an individual entrepreneur.

But for legal entities with the status LLC, JSC, PJSC and the like, you will need a thicker package. From them, the credit institution requires:

• registration number;
• an identification number;
• company charter;
• Order on the appointment of the Director of the enterprise;
• other constituent documents of a legal entity.

More detailed step by step instructions how to open a bank account, you will find in my separate article.

Which banks provide the most favorable conditions for cash settlement

Remember how we chose a bank where you can issue profitable ones? Then we went through a lot of credit organizations with you and reviewed several dozen plastic cards before we were able to find the most suitable option for ourselves. In the case of RKO, the situation is even more complicated. It is not so easy to find a bank to which you can completely entrust your money and allow you to keep the company's current account. The choice should be based on many factors. I invite you to consider the proposals of the two largest banks in the country and decide which one is closest to you.

tks

Tinkoff, in addition to the SMS alert system, business lending, Internet acquiring and other two month free service bills and payments. It will be possible to cooperate with the bank remotely through Personal Area in the application. The program can be downloaded to a mobile or tablet, you can work with the bank through a browser. In addition, the bank allows you to save time on filing tax returns, because it independently deals with taxes, fixed contributions and automatically calculates all payments, generates payment orders and reminds you of the need to transfer them. All that is required of you is to sign the declaration and send it from your personal account.

You can choose for your business one of three tariffs for cash settlement:

• « Simple 490 rubles per month. The first three payments can be made completely free of charge, and each subsequent one will cost 49 rubles. For replenishment of the account, you will need to pay 299 rubles;
• « Advanced", the cost of which is 990 rubles per month. Within this tariff, you can make 10 payments for free, and all subsequent payments will cost 29 rubles. Unlimited payments will cost customers 990 rubles per month. But for replenishment of the account, you will have to pay a commission in the amount of 99 rubles, if the account is replenished in the amount of up to 100 thousand rubles at a time, or 749 rubles, if we are talking about an amount in the range of 100-300 thousand;
• « Professional”, cost 4990 rubles. Each payment here costs 19 rubles, and the purchase of a package of unlimited payments will cost 1990 rubles a month. Replenishment of the account costs exactly the same as in the case of " Advanced» tariff.

Entrust RKO to TKS bank

Dot

Bank " Dot", which is a branch of the backbone bank" Opening”, offers to transfer the entire process of opening an account online. Immediately after submitting the application, the entrepreneur is assigned an account number, which can be safely indicated in the contracts and transferred to his counterparties. The bank independently notifies the tax office about opening an account and informs the client's partners about the change of details. You can connect to your current account overdraft to insure yourself in the event of a cash gap, accumulated accounts receivable or an increase in turnover. In addition, you can use the services of currency control, acquiring, cash collection and other lending and insurance services.

Bank offers tariffs for cash and settlement services of three categories:

• « Low cost» with a monthly payment of 7 50 rubles. Such tariff plan allows you to make 5 free payments per month, withdraw up to 100 thousand rubles without commission at any ATM. By the way, the possibility of cashing out automatically solves the problem of how to withdraw money from a current account;
• « Economy» cost 1900 rubles per month- this is the accrual of 7% on the balance of the current account (for those who do not know how to calculate interest, I advise you to read my article ""), 100 free payments per month, the ability to withdraw 200 thousand rubles from the account;
• « Business" behind 7500 rubles per month- 7% per annum on the balance of funds, 500 free payments and as much as 300 thousand rubles, which can be cashed out at any ATM with 0% commission.

Start cooperation with Tochka

Summary

Well, let's summarize? I am sure that after reading this article, you all came to the same conclusion - no entrepreneur can exist today without cash management services. The advantages of this service are obvious, because the possibility of making cashless payments helps us make our life easier, more convenient and more mobile. Even though RKO implies additional costs, such service saves time, since all transactions on the current account can be carried out through a smartphone with Internet access.

I sincerely hope that after reading this review, you will cast aside all doubts about whether to pay or not pay for cash settlement services, and start saving your time and energy by delegating part of the work to the bank. That's all for me. As always, I ask you to share your impressions of RKO in the comments, tell us which banks you order the service from and why. In the meantime, I say goodbye, see you soon!

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