Citizens engaged in commerce are required to open an account/accounts with a banking institution. This is stipulated by the law of the Russian Federation. Opening an account with Sberbank for a legal entity is quite simple. You need to know a few nuances that will help you complete this operation quickly and without problems.
What is a current account
The presence of such a tool allows you to make transactions, buy necessary goods, pay salaries to company employees, and much more. Doing all this remotely is much more convenient and comfortable. Many people prefer to cooperate with Sberbank. This financial and credit institution has an excellent reputation and trust among clients.
Documents for opening
Sberbank allows you to open a current account if a legal entity provides the necessary papers (package of documents). Before going to the organization’s branch, it is recommended that you familiarize yourself with the conditions and programs on the bank’s official website http://www.sberbank.ru/ru/person
It will also provide information regarding current promotions and tariff plans. To complete the account opening operation, the following documents will be required:
- Constituent documents of the company;
- A document that confirms registration at the state level;
- Individual taxpayer number;
- Extract;
- A paper that confirms the company's tax registration;
- Confirmation from the state. statistics;
- Questionnaire. Examples of filling are available in the bank;
- If necessary (based on the type of activity of the company) – licenses;
- Certificates and documents that confirm the authority of the chief accountant or manager;
- Sample signatures of the manager and accountant and seal impressions.
As a rule, clients submit original documents. The bank makes certified copies. You can use photocopies of documentation, having first certified them by a notary.
These are all the documents you will need to bring in order to open an account with Sberbank. Next, the identification procedure will be performed, followed by the conclusion of the contract. The most difficult thing in this process is having enough free time. Since visiting a bank branch is mandatory.
When to open a current account and what parameters to consider a financial institution
Completing the operation
A bank employee must verify (identify) the legal entity and process the received data. The procedure is carried out on the basis of documents that were transferred to the organization (bank). In most cases, to open an account with Sberbank for a legal entity, no additional documents are required. However, in individual situations this happens. You need to be prepared for this in advance.
The last step is signing the contract. The procedure is carried out by an organization (legal entity) and a bank. Everything is confirmed by the seals of both institutions. After this, the employee of the financial and credit company creates an account in the registration book. Opening an account with Sberbank for a legal entity is no longer a problem. It is registered and can fully function.
It is important to remember that information regarding opening an account must be sent to the tax service, social insurance authorities and the Pension Fund.
The operation must be completed within 7 days (weeks). It is recommended to clarify in advance whether we are talking about working days or calendar days. Otherwise, an unpleasant situation may arise.
Opening an account for a legal entity online
This procedure is available to every bank client. Especially when there is no time to go to the bank office. Many managers face this problem. The remote registration function will save time and fill in the necessary data without leaving your workplace.
However, a legal entity will not be able to register an account with Sberbank in this way. The remote option only allows you to reserve a seat. The manager will still need to visit the branch within the next five days. This approach is justified if at the moment there is no opportunity to go to the bank in person, but it is necessary to open an account. The following actions need to be taken:
- Click on the Small Business tab on the website and use the Banking services link;
- Select the section Opening and maintaining accounts;
- Click on the Online current account number button.
Thus, virtual registration is performed. You can open an account with Sberbank online only in this way. You will need to enter all the information necessary and required by the system.
The reserved account will have limited functionality until the customer visits the bank branch in person. In particular, financial transactions cannot be carried out. Such an account only allows you to receive funds transferred to it.
Conclusion
Opening an account with Sberbank for a legal entity is quite simple. Knowing what documents need to be prepared when reserving an account online, this procedure can be completed much faster.
Remote account reservation in Sberbank is a new service in the package of offers. It didn't exist before. The idea appeared in 2015. For two years, work was carried out to prepare tools for the implementation of the project. Reserving an account makes life easier in many cases.
Profitable proposition
Sometimes you need to open a current account urgently, otherwise your dreams will not come true. For legal entities and individual entrepreneurs, this service is the optimal solution:
- If there is a deal to be made.
- When do you need to separate your accounting?
- If you cannot do without a reserve account, although it is not clear how actively you will need to use it in the future.
- It must be indicated in some papers.
To open it, you need to prepare photocopies, have them certified by a notary, sign and seal - it depends on the specific situation, its features, how difficult or easy it will be to collect all the papers in a short time. This will take time. Insurmountable circumstances sometimes prevent you from preparing papers and opening an account in time for a business meeting.
It is wise to open it in a jar in advance. This is how they used to do it. When the need for it came as a surprise, he was asked to indicate, but the person could not do this, problems arose, additional difficulties, obstacles. In the end, it was still possible to achieve what I wanted, but with more effort. Bad mood, fatigue - people did not come to the bank with the best emotions and thoughts. The friendly smile of the employees, high-quality service - no one paid attention to these pleasant little things. The goal became a priority and became a matter of life and death. I had to hurry, most of all I wanted those around me to do their work automatically, as quickly as possible.
Now you can bring the necessary papers to the bank, talk to the employees, and remember that you still have some questions or are interested in any suggestions. The mood will be good, because everything has already worked out, the account has already been opened. At Sberbank you can open it very quickly, without providing papers, and then bring all copies.
Advantages and disadvantages of reserving a bank account
By going to the Sberbank website, fill out an application and soon receive your bank card details. The data provided by the applicant when filling out the application form on the website is verified using the Unified State Register of Legal Entities and the Unified State Register of Individual Entrepreneurs. Therefore, collecting documents, in part, becomes a formality.
They must be brought, since every bank has internal reporting and if an error occurs in the Unified State Register of Legal Entities, Unified State Register of Legal Entities, you can understand the situation by double-checking all the information. The papers brought by the client allow this to be done.
Benefits of reservation:
- after an application has been submitted on the website, a current account has been opened and money is transferred to it;
- settlement transactions become available after the reserved account acquires the status of open - but not earlier than this moment, the owner is not actually a client of the bank;
- papers must be brought to the bank within 30 calendar days;
- if the account is opened to support government defense orders, instead of 30 days, 365 days are provided;
- if no one brings the documents to the bank branch within the specified time frame, the balance will cease to exist, and the remaining funds will be transferred to the sender;
- an additional five days are given to individual entrepreneurs and legal entities, senders should also know this - this is how long the money will be in a reserved, but never opened account in Sberbank, 35 days;
- information about communication methods is indicated in the application form - you will receive a notification that the account is reserved and that it has been cancelled, which is very convenient, you don’t need to worry about anything, dial the Call Center number, or ask the operator.
The new offer is becoming popular. This service will not be canceled anytime soon. You will want to open an account and turn it from a reserved one into an existing one. The level of service at Sberbank, interest rates, commissions, and additional offers will also be of interest. Sberbank is the largest bank in the Russian Federation. It will immediately become clear that this is the best bank for business; there are not many competitors. Of course, many banks have such a service.
But Sberbank occupies a leading position thanks to reliable investors and an impeccable reputation. Many branches are open throughout the country, using modern technologies. Choosing Sberbank as a partner is beneficial from different points of view. By using the bank account reservation service, you can verify this.
If it becomes clear that a reserved type is not needed, do employees need to be informed about this? It is advisable to inform them. It is convenient to do this only by contacting a branch or Call Center with another question. If you're not on your way to Sberbank, there's nothing to worry about. The balance will be blocked in accordance with the terms of its reservation. It’s bad if you can’t open it, because the documents in which it appeared will have to be redone.
What do you need to reserve an account?
Registration procedure
You can use the online account reservation service at Sberbank when you have already selected this bank as a partner, have a history, deposits or loans. You can also do this when no one has contacted this bank before. If this is your first time dealing with banks, use this service. The algorithm for interacting with the service is as follows:
- On the main page of the site, find a link to reserve an account. You need to follow it to the next page.
- An application form will open - you need to fill it out and send it.
- Soon you will receive information about your card number by email.
- In the menu, find a list of documents for converting a reserved account to open status.
Important. Fill out an application to open an account on the website - it is not necessary to reserve it. Within 24 hours, the operator will call you back at the specified phone number and set a time to come to the department with the documents. They need to be prepared in advance. The meeting may be scheduled for the next day.
Papers required when reserving an account
You will need to provide the following information on the reservation form:
- last name, first name and patronymic of the future account owner;
- an individual entrepreneur or legal entity reserves an account;
- ORGN and TIN;
- place of registration;
- Details for feedback – phone number, email address;
- select the nearest Sberbank branch from the proposed list;
- information about the time of registration of an enterprise or business.
This is a free service - account reservation. The number will not change after being assigned open status. Therefore, it is indicated in contracts, in correspondence, and on business cards.
Important. Sberbank reserves the right to refuse clients' account reservations in accordance with current laws.
The proposal was created recently and makes sense. Banking methods are developing and becoming more complex, and it is easier for clients to handle funds, negotiate with business partners, and keep accounts. This service strengthens the banking system and promotes business development. The simplicity of the procedure for reserving an account in Sberbank, the timing of paperwork, and transferring it to open status are pleasing. Success, security of transactions, timeliness are guaranteed. The mood will be good. To do this, you need to place an order on the Sberbank website at any time.
bankigid.net
The account reservation service on the Sberbank website makes it possible to quickly open a current account and use its details immediately after registration. The service is provided online or through a Contact Center operator. You can make a non-cash payment to an open account or receive data for processing documents; other operations will become available after registration at a bank branch. This must be done within 30 days.
What is this service - online account reservation?
Remote account reservation is a free opportunity to register a ruble account with a bank and transfer funds to it. To apply for the service, just go to the Sberbank website and fill out a form, or call the Contact Center.
Any legal entity registered in Russia, with the exception of credit organizations, can open an account. The main condition for providing the service is registration with the tax service. The service is available 24 hours a day on any device.
After registering an account at a bank branch, it becomes possible to connect additional services:
1. Sberbank Business Online is a system that allows you to accept and send electronic payment documents, monitor the flow of funds, and check information about counterparties. The system allows you to create templates for quick payments, find out the status and stage of processing of payment orders, and integrate ready-made documents in the 1C program format.
2. Self-collection is an option with which you can deposit money into your current account at any time of the day through Sberbank ATMs.
3. Service packages. Currently, the bank provides 6 package options, differing in the number of payments made, the limit for the introduction and withdrawal of cash. The advantage of a fixed set of services is the provision of favorable conditions for transactions.
Online reservation conditions
The service is provided for legal entities registered in the Russian Federation and registered with the tax authority. All necessary details are provided immediately after filling out the form on the website or through the Contact Center.
- Free annual service
- Payments are accepted from 6.00 to 23.00.
- The account currency is rubles.
The account number is retained by the client for 30 days. To confirm registration, you need to contact a Sberbank branch with a package of documents, otherwise the account will be cancelled. Funds transferred to an unconfirmed account are stored for 5 working days. After this period has expired, they are returned to the senders.
After online registration, only two services are available - transferring payments to the account and receiving information about the details. Before completing the package of documents, it is impossible to replenish the account in cash, make collection, pay from a bank card (esquiring), and also credit funds aimed at supporting the contract under the State Defense Order.
The following account numbers are available for reservation:
How to reserve an account for a legal entity
There are 2 ways to instantly create an account:
- on the official website of Sberbank;
- via the Contact Center phone number.
Online registration is available on the Sberbank website in the section... Details for transferring funds are available immediately after completing the application form. Cash withdrawals and payment transfers will become available after contacting the Sberbank office with a package of documents. The period allotted for confirmation of registration is 30 days.
You must enter the following information in the online form:
- name of company;
- legal address;
- email address and phone number;
- Kind of activity;
- revenue volume for the year;
- main state registration number (OGRN).
Another way to register an account is to call the Contact Center number. Bank operators advise the client, enter data and provide details. To register an account, you need to call the 24-hour number 8 800 5555 777
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Documents for reserving and opening a current account in Sberbank
To confirm the online registration of an account, a legal entity must provide a package of documents to the bank branch, including:
1. Constituent documents depending on the legal form of the legal entity. The client can provide originals or copies of documents certified by a bank, notary or the body that registered the organization. In some cases, the law allows you to transfer paper details to the bank if the documents are published on the Internet on the website of official sources.
2. Original or notarized copy of a license or permit to carry out activities. If the organization's activities are related to state secrets, the client is required to provide a license or information about it.
3. Original entry sheet in the Unified State Register of Legal Entities in form No. P50 007.
4. Original or certified copy of an extract from the Unified State Register of Legal Entities. You can have the photocopy certified by the tax office, a notary, or the bank itself.
5. Card with samples of signatures and seals of the manager and chief accountant, as well as other persons who will carry out transactions on the account. Certified by a notary or directly at the bank.
6. Documents of employees presented in the card. If the kit includes a notarized card with signatures, instead of documents you can attach a letter with the necessary data and the signature of the head of the organization.
7. A set of documents confirming the assumption of office and defining the terms of reference of the manager and chief accountant, as well as other persons who will carry out transactions on the account.
8. Bank card containing information about the client. Material from it is published on the Sberbank website.
9. Documents confirming the powers of the sole executive body of a legal entity. If an authorized person is involved in registering the account, the following documents are added to the specified package:
- original or copy of power of attorney for account registration;
- citizen's passport;
- migration card and residence permit for persons who are not citizens of the Russian Federation.
To open a budget account, you must present papers confirming your right to service at the bank. If the organization is declared bankrupt, the decision of the Arbitration Court is added to the package. Homeowners' associations must provide a certificate of ownership of the chairman of the HOA, an extract from the Unified State Register of Rights or minutes of the HOA meeting, which contains information about the chairman's property.
Additional documents include SNILS when the bank provides an electronic signature, a state or other contract for a defense order, or papers confirming completed purchases for unitary enterprises.
Useful articles:
money-budget.ru
Reservation of a current account in Sberbank, reserve a current account for a legal entity in Sberbank
One of the leading players in the Russian financial market is Sberbank. Throughout its activities, the organization has been steadily working to develop and improve its products. Caring about the comfort of clients and its own reputation, the bank uses new tools, including advanced Internet technologies. One of the key areas in the company’s service system is the development and expansion of remote work. Thanks to this, business owners can already reserve a current account with Sberbank today, without leaving the office. The main advantage of the service is saving time. Without visiting the institution’s branches, a legal entity within 5 minutes receives details and access to an account with the right to carry out incoming transactions.
How are current accounts opened online?
Business representatives and entrepreneurs can reserve an account with Sberbank in two ways:
- independently on the official website of the bank;
- over the telephone using call center services.
In the first case, the client needs to click on the link provided and fill out the form. After completing the reservation procedure, he is immediately provided with the details for crediting funds. Other operations, such as cash withdrawals, transfers, and settlement documentation, are opened after a personal visit to the bank and provision of all necessary documents. The confirmation period is limited and is 30 calendar days. After receipt of the first funds, this period is reduced to 5 working days. If the applicant fails to appear, the bank reservation is canceled and the money is returned to the counterparties' accounts.
In the second case, the procedure is similar to the first. Only the questionnaire is filled out not by the client, but by the operator. The applicant dictates all the information of a legal entity or entrepreneur necessary to open an account over a multi-channel telephone number 8-800-555-5-777. This number is posted on the bank's website.
Documents for opening a deposit
To reserve accounts online, legal entities and entrepreneurs must provide the following information:
- type and name of the organization;
- legal address;
- the applicant's email address and telephone number;
- annual turnover in rubles;
- OGRN;
Companies and entrepreneurs who, for example, provide legal services or are associated with trade, services, production, etc. can reserve an account in Moscow and other regions of the Russian Federation with Sberbank. The exception is credit institutions.
Important! Persons applying to the bank must be registered in the country and registered with the tax authorities.
A complete list of documents to confirm activities and fully open an account is posted on the official website of Sberbank. The list depends on the type of activity of the client and his status - resident, non-resident.
Benefits of the service and additional features
By opening a deposit with Sberbank, the client receives a ready-made base platform for developing his business. With its help, opportunities for a business owner are significantly expanded. Sberbank’s online services allow you to carry out banking operations for transfers, payments, and receipt of funds 24/7 without being tied to your personal location.
At the branch, during confirmation of registration, the client can activate a number of additional services. Among the most popular it is worth noting:
- “Business Online” is an application with which you can send, receive and monitor the movement of electronic documents and funds; the system allows you to open new accounts, make deposits and loans, it makes it possible to study the resumes of counterparties, etc.;
- “personal lawyer” is a service that implies the provision of high-quality professional legal assistance 24/7.
- “self-collection” is an option through which an enterprise’s cash proceeds can be deposited directly into a bank account through the Sberbank ATM network.
creditznatok.ru
How to reserve a current account, and what is it for?
In 2014, Sberbank clients received a new service - the ability to reserve a current account. Despite the considerable age of this option (full four years), few people know the intricacies, advantages and rules for designing such an option. Below we will analyze the main nuances in more detail.
Many large banks offer online account reservation services. It allows you to receive account details in advance immediately after completing the application. Sberbank clients who open a current account can also use the reservation service. We will tell you more about it in this article.
Reservation is convenient in situations where you urgently need to obtain a current account number before opening it:
- To successfully conclude a profitable agreement or transaction that requires details for non-cash payment
- To credit the authorized capital of an LLC before registering a business
- For inclusion in accounting databases and payment forms
- To participate in a tender or auction, otherwise you may not be allowed to participate in it
This procedure significantly reduces the time spent on opening an account. But this does not mean that a meeting with a bank specialist can be avoided. Within a certain period, it is necessary to prepare documents and conclude a settlement and cash service agreement with the bank. Otherwise, the funds transferred to his details will be returned to the sender. They cannot be disposed of, since the provided account will be blocked until an agreement with the bank is concluded.
How to reserve a current account online?
The order is as follows:
- Go to the business section on the Sberbank website. Click the "Open Account" button
- Select the service package that suits you and click the “Open account” button
- Follow the instructions, fill out and submit the application
- Answer the call of the bank manager, who will coordinate further account processing
- Receive account details and necessary documents by email
- Prepare documents from the specified list
- Conclude a settlement and cash service agreement
All operations will take you a few minutes
Sberbank allows you to reserve a current account online at any convenient time. To sign an agreement, you can contact a bank branch or order a specialist to visit your home or office.
Filling out the form
Book a current account with Sberbank maybe an individual entrepreneur or an LLC. They have the same application to fill out, the only differences are in the documents provided. When submitting it you must indicate:
- Name of individual entrepreneur or legal entity
- Company registration address
- Work mobile phone and email address
- Full name of the manager, according to the passport
- Type of enterprise
- Account currency and type
- Approximate company revenue for the year
- TIN and OGRN (OGRNIP) of the company
Features of current account reservation
A current account reservation is valid for 30 days. If you do not provide documents to the department on time, then after the time has passed, the reservation will be canceled. Funds transferred to the account cannot be used until an agreement is concluded with the bank.
Question answer
Can Sberbank refuse to open an account after it has been reserved?
Yes, if you provide incorrect or incomplete information, or Sberbank considers your activity suspicious. If Sberbank does not open an account for you, try sending the application again or contact another bank.
Is there a fee for the booking service?
For any clients Sberbank current account reservation free.
Hello! Today we will tell you about reserving a current account. How this procedure occurs and why it is needed.
The years 2015–2017 were marked by the widespread introduction of online current account reservation in the banking sector. The new service has become one of the logical links in the banks’ overall business strategy.
Banks providing current account reservation services
In general, banks offer similar conditions for online bookings. The table shows only some of the features of this procedure.
| Bank | Peculiarities |
| The website asks you to fill out a short 5-point questionnaire. Your personal manager will contact you within a few hours. | |
| You can reserve your account by calling the bank. | |
| The bank promises that you will receive the details in a record five minutes. | |
| You receive your account details within 10 minutes. They are issued based on a photocopy of 1 document. | |
| The service is listed as “remote reservation”. The account is reserved instantly. | |
| Ural Bank offers a detailed questionnaire on its website, which includes information about the manager and founders. The bank promises to contact the client within 15 minutes after submitting the application. | |
| Reservation at Sberbank requires that a complete set of documents be provided within 30 days from the date of application. | |
| The account will be reserved for you within 3 minutes after providing scanned copies of documents when completing an online application. | |
| On the website, the service is listed as “Account details without visiting the bank.” | |
| The questionnaire requires more detailed information - for example, passport details and the date of business registration. |
What is a current account reservation?
The innovation in reserving is that the usual procedure for obtaining a current account at a bank has radically changed. If previously the client had to go to the bank with a full package of documents, and only after a complete check he received his number, now the final product is provided to him first, and all registration procedures are postponed to a later time.
So, remote account reservation– this is a quick receipt of his details via the Internet after filling out an application on the website of the relevant bank. Information on the applicant’s business is verified automatically by checking with data from the Unified State Register of Legal Entities or the Unified State Register of Individual Entrepreneurs. And after 5 – 15 minutes, depending on the bank, the client is allocated a current account number.
The account is not yet full-fledged, since the client cannot yet make debit transactions on it. However, incoming transactions are possible. If the counterparty transfers funds to a reserved but not yet opened account, the money will “hang” in the “unidentified funds” accounts of the bank itself. And after all the documents are provided, the money will be transferred from the bank to the client.
Advantages of opening an account through the bank's website
Reserving a current account online has several undeniable advantages:
rapidity. Businessmen know that sometimes every minute counts. This is a salvation in cases where you urgently need an account number for a counterparty and there is no time to collect documents to open it;
24/7 operation. It is enough to have access to the Internet to secure your future account number. The system operates 24 hours 7 days a week, in contrast to the operating mode of a bank branch;
accessibility from anywhere. Thanks to the service, bureaucratic red tape is reduced. There is no need to go to the bank - the first step in opening your account can be taken without leaving your home or office.
notification. Banks offer a system of informing about the receipt of funds to a reserved account number, notification of account cancellation (if you did not come to the bank with supporting documents);
Online reservation may be useful in the following specific cases:
- you urgently needed to transfer the account number to the counterparty, since he must transfer funds immediately;
- you are participating in a tender, but there is no time to fully open an account;
- a reserve account is required for insurance – to protect against force majeure;
- you want to minimize the number of times you visit the bank when opening a current account.
Who can reserve an account online
Current account reservation is usually offered to small and medium-sized businesses. Moreover, not only companies, but also individual entrepreneurs can open an account. Typically, banks differentiate their business clients by annual income. For example, up to 900 million per year or more.
How to open an account through the bank's website
Without exception, all banks offer a simple algorithm for reserving a current account. Perhaps the psychological factor plays an important role - the client is made to understand that interaction with this bank is easy, the bank will not create unnecessary problems for him.
Let’s make a reservation right away - it will not be possible to open an account through the bank’s website if we are talking about a full-fledged account opening, when all types of transactions are performed on it. To do this, you need to go through the second stage - come to the bank with documents.
You can only reserve an account through the site when you receive its number and bank details. To do this you need to go through the following steps:
- Go to the official website of the bank. You will easily find a hyperlink to account reservation - this popular service is located on the central page of the site.
- Fill out a short application directly on the website.
- Submit your application.
- Wait for the system to send your bank details by email.
- Download from the website the list of required documents to open an account. Many banks practice sending pdf files with this list, upon your request. Your reserve will not last long (usually up to two weeks) and will be forfeited if you never open an account.
- An application for opening can also be filled out on the website. After submitting the form, a bank specialist will contact you within a short time (usually about a day), and you will discuss the details (book a meeting at the bank, clarify the list of documents, etc.)
- You arrive at the bank with a package of documents.
What data is needed
For a simple reservation, you will need a limited set of data about you as an individual entrepreneur or a company. This is largely due to the speed of processing applications. The information in the application varies depending on the bank. Let's list the main points:
- Full name of the applicant;
- legal form (you are an individual entrepreneur or a legal entity);
- OGRN, INN;
- region and city of registration;
- contact details (phone, email);
- nearest bank branch (select from the drop-down list);
- information about the time of business registration.
What you need to know when reserving an account online
- All banks make reservations free of charge;
- The reserved account is for informational purposes only before it is opened. It can be indicated in agreements with partners and in other documents, but expense transactions cannot be made using it.
- The account number will remain unchanged even after it is opened.
- Money can be received by the organization on the day of registration. But for now they cannot be used, since before the account is fully opened, the money will be credited to the account of the bank itself.
- Reservation does not oblige the bank to open this account. In some cases provided for by law, the bank has the right to refuse a client.
- In most cases, the bank holds the money transferred to the reserved checking account for five days. If the account is not opened during this period, the funds will be returned to the sender. Sometimes this rule does not apply - for example, for accounts reserved in Sberbank to support the state defense order (state defense order).
Choosing a bank for a legal entity is not an easy task, much more difficult than for an individual entrepreneur. Entrepreneurs, as individuals, are protected by the deposit insurance system. If something happens to the bank, the individual entrepreneur will return the money from the current account, within the current limit (in 2017 this is 1,400,000 rubles). Client organizations are not protected by anything; all that they are guaranteed is a place in the creditors’ queue. Often the decision to open an account with Sberbank for a legal entity is caused precisely by the desire to avoid the risk of losing money.
Please note: from 2019, the insurance system for funds in bank accounts will also apply to.
Pros and cons of Sberbank
Sberbank is a clumsy, cumbersome structure and does not chase clients. The bank is already doing well; at the end of 2016, it became the most profitable bank in the world, and return on equity increased to 20%. Sberbank does not hide the secret of success - to reduce rates on deposits of individuals and organizations, reduce staff and the number of branches.
If you are primarily interested in quality of service and low tariffs, then opening a current account with Sberbank for an LLC is not the best idea. But the bank has another undeniable advantage - its main shareholder and founder is the Central Bank. In the context of the protracted reorganization of the financial market, when the licenses of credit institutions are revoked almost every month, this is a serious advantage.
In addition, Sberbank itself calls its advantages:
- the largest branch network in Russia (legal entities serve 800 branches, and physical ones - about 15,000);
- active lending to small and medium-sized businesses (about 33% of the corporate loan portfolio falls on SMEs);
- subsidiary banks in the CIS (Ukraine, Kazakhstan, Belarus) and abroad (Austria, Switzerland, Turkey);
- fast opening of foreign currency accounts - on the day the client provides a complete package of documents.
According to statistics from the banki.ru portal, Sberbank ranks first in the financial rating of credit institutions in Russia.
But in the national rating, which is compiled based on customer reviews, its position is much lower - barely reaching the fourth ten. Most of all, customers are dissatisfied with the sluggishness and low qualifications of employees, long payment processing times, poorly functioning online banking, and high service tariffs.
To be fair, it must be said that not a single bank has absolutely satisfied customers. As for tariffs, they are more noticeable for individual entrepreneurs with low incomes than for organizations with good turnover.
Procedure for opening a current account
If you have decided in favor of the largest credit institution in Russia, then find out how to open a current account with Sberbank for an LLC.
Opening an account for legal entities in any bank occurs in accordance with the Instruction of the Central Bank of the Russian Federation dated May 30, 2014 N 153-I. Information about what documents are needed for this is also available on the bank’s website itself. To open an LLC current account you must provide:
- charter;
- certificate of registration of a legal entity (for LLCs created before January 1, 2017) or a sheet of registration of the Unified State Register of Legal Entities in form No. P50007;
- original extract from the state register of legal entities (a copy certified by a notary or tax office is acceptable);
- a card with a sample seal and signatures;
- documents confirming the authority of the manager (personnel order or decision of the founders);
- confirmation of authority to manage the account of other persons whose signature is recorded on the card (most often, an order appointing a chief accountant);
- passport of the manager and other persons with access to non-cash funds;
- information on the bank form;
- license for certain types of activities, if issued.
Additionally, to open an LLC current account, the manager will ask you to fill out a client application and a form to identify the beneficiary.
Documents must be submitted in originals; copies can be taken and certified by an operator for a fee. Notarized copies are also accepted, but you still need to have the originals with you for comparison.
All information received about the client is carefully checked, but the website reports that opening an account with Sberbank for legal entities is possible even on the day of submitting documents. However, if the client’s integrity is in question, the service agreement may not be concluded. The bank has the right not to disclose the reasons for refusal.
The answer to the question of how much it costs to open a current account for an LLC depends on the location of the bank branch and the number of signatures on the sample card. The highest one-time commission for opening an account is in Moscow (3,000 rubles). Add here another 500 rubles for registration of one signature plus 300 rubles for certification of a copy of each original.
In total, opening an LLC account in Sberbank for a metropolitan organization will cost at least 5,000 rubles. For each additional option (checkbook, electronic key, connection to the Sberbank Business Online system, etc.) a separate fee is charged.
Preliminary account reservation
You can reserve a current account for an LLC with Sberbank even before submitting documents. The service allows you to obtain the necessary details in a few minutes without visiting a bank branch.
This is especially convenient if you do not have time to open a current account for an LLC during a personal visit, and you urgently need details to receive funds. Simply fill out the form with your organization information and select a branch to serve.
The details are sent to the specified email address, and the account starts working to credit funds. You are given 30 calendar days to prepare documents and open a current account in Sberbank for an LLC in the selected branch. However, if money has been received using the reserved details, the invoice registration period is reduced to 5 days, otherwise the funds will be returned to the sender.
