01/31/2019, Sashka Bukashka

An individual entrepreneur's current account is an optional, but very desirable entity for any entrepreneur. After all, without having an account, payment by electronic money (by account or card) cannot be accepted. There are concepts of current account and current account. How are they different from each other?

This article will tell you how an individual entrepreneur can open a current account with Sberbank. You will learn what documents are needed, as well as how to save money on maintaining an account.

What is the difference between a current account and a current one for an individual entrepreneur?

A current account is an account that is opened for purposes not related to business activities. This includes procedures for storing money in a bank and receiving interest on deposits.

A current account is intended for business-related transactions. For settlements with employees, partners, for budget management. The bank services the current account for a monthly fee: it is responsible for how the payment transfer proceeds and for its correctness. The bank's commission is related to how many transactions go through the account. The more transactions, the higher the commission.

For an individual entrepreneur, transactions must go through a current account:

1. If the account is current and not a settlement account, then the amounts passing through it may be regarded as not related to business activities. In this case, tax at the personal income tax rate. The result is an overpayment: the tax rate on the income of individual entrepreneurs is lower.
2. Counterparties will also be at a loss. If they transfer payment to an individual’s account, they will not be able to deduct these expenses and reduce their taxes.
3. When making various payments on a current account, the bank will require an explanation about the source of the money. This may be regarded as illegal income and the account may be blocked until further circumstances are clarified.
4. And the main legal trump card: the instruction of the Central Bank of the Russian Federation dated May 30, 2014 No. 153-I states that a current account is opened by an entrepreneur to conduct operations related to business activities.

So you still have to open a current account.

Modern legislation does not oblige individual entrepreneurs to have current accounts. An individual entrepreneur is not required to transfer taxes only by bank transfer (as legal entities, a company or LLC are required to do). An individual entrepreneur can use cash to pay off the budget. But this has its difficulties.

As business develops, many come to the conclusion that it is necessary to open a current account. You can't do without it. And the main bank of the country is most often chosen for settlement and cash services. Sberbank is one of the most reliable Russian banks. Its founder and shareholder is the Central Bank of the Russian Federation. In terms of the volume of financial transactions, Sberbank ranks first in Russia. The quality of service and maintenance has increased significantly over the recent years of its operation.

Let's take a closer look at how to open an account with Sberbank for individual entrepreneurs.

Opening a current account for an individual entrepreneur in Sberbank: what you need to know

To begin with, we recommend that you familiarize yourself with the legislative framework. Opening an account for an individual entrepreneur in Sberbank, as in any other credit institution, is regulated by Bank of Russia instruction No. 153-I. In this case, we are interested in part 4.7 of this document.

According to the same instructions, Sberbank can open a current account for an individual entrepreneur only if the individual is already registered in this capacity. It will not be possible to do this in advance or on the day of submitting the application for individual entrepreneur registration.

Sberbank also offers a useful account reservation service.

What is account reservation

Before opening a current account, the client can reserve it online without visiting a bank branch. Find the “Small Business” section on the website, go to the “Banking Services” subsection, then go to “Cash and settlement services for legal entities and individual entrepreneurs”, select the desired tariff, click “Open an account”. In the form that opens, enter information about the individual entrepreneur. After filling out the form, your account details will be sent to your email.

The account can now be used to deposit payments into it. Sberbank gives you a month (30 calendar days) to submit the entire package of documents to the bank. After this, the account opening procedure will be completed and the account can be used fully - all operations, including settlement ones, are processed. If the documents are not provided within the specified time, Sberbank will cancel the account, and the amount of funds, if credited, will be returned to the senders. Opening an account remotely is really convenient.

How much to pay for a current account in Sberbank

RKO services can be ordered according to one of 5 tariffs. Sberbank opens an account for individual entrepreneurs free of charge in all service packages. In the “Easy Start” tariff, an open account is also maintained free of charge. However, it is beneficial only to entrepreneurs with a minimum number of transactions. For those who are just starting their business, it is optimal to open an account at this tariff.

Tariff “Easy start”		Moscow	Saint Petersburg	Novosibirsk	Nizhny Novgorod	Samara
Opening cost		For free	For free	For free	For free	For free
Maintenance cost per month		For free	For free	For free	For free	For free
Percentage for transfers to individuals			Included per month is 150,000, then commission from 1%	Included per month is 150,000, then commission from 1%	Included per month is 150,000, then commission from 1%	Included per month is 150,000, then commission from 1%
Cost of SMS notification		60 rub.	60 rub.	60 rub.	60 rub.	60 rub.
Receiving and crediting cash to the account	Via ATM, terminal	0.15% of the amount	0.15% of the amount	0.15% of the amount	0.15% of the amount	0.15% of the amount
	Through the cash register	1% of the amount	1% of the amount	1% of the amount	1% of the amount	1% of the amount
Cash withdrawal from account	Via ATM, terminal	3% of the amount	3% of the amount	3% of the amount	3% of the amount	3% of the amount
	Through the cash register	5% - up to 5 million rubles. 8% - over 5 million rubles.	5% - up to 5 million rubles. 8% - over 5 million rubles.	5% - up to 5 million rubles. 8% - over 5 million rubles.	5% - up to 5 million rubles. 8% - over 5 million rubles.	5% - up to 5 million rubles. 8% - over 5 million rubles.

Now that we know the basics, we can move directly to the algorithm.

Four steps to opening an account

Step 1. Collect documents. Directly from the entrepreneur the following is required:

• an identification document (for example a passport), in the original;
• an extract from the Unified State Register of Individual Entrepreneurs in the original, certified by the tax office;
• (if you plan to receive ).

It will not be superfluous to have with you a certificate of state registration and a certificate of registration with the tax authority (TIN). The latter, if an individual had it before registering as an individual entrepreneur, does not need to be obtained again.

Another document required to open a current account for an individual entrepreneur in Sberbank is a card with sample signatures. But you will formalize it already in the office, in the presence of a bank employee.

The full set of documents, including those required in special cases, can be found.

Step 2. Choose a tariff. Sberbank can open an account for individual entrepreneurs either separately or as part of a package of cash and settlement services. In the first case, it is definitely paid.

Step 3. Submit an application. If you have chosen Sberbank, opening a current account for an individual entrepreneur can be done remotely. You are invited to fill out the form directly on the website. This is the same reservation service. And when the time comes to conclude an agreement, the employee can drive up to your office.

IMPORTANT! Recently, the Security Council of the Russian Federation has provided the opportunity to reserve an account number for 30 days. It will be available only for incoming transactions. You need to collect documents and conclude an agreement within the specified period. After this, all functionality will open.

Step 4. Connect additional services if necessary. It can be:

• Sberbank Business Online;
• mobile banking;
• salary project;
• business card;
• online cash register;
• acquiring and others.

All entrepreneurs are also encouraged to insure their business.

The tax office will find out itself

Until 2014, individual entrepreneurs were required to notify the Federal Tax Service about the opening of an account account. Missing the deadline was subject to liability in the form of a fine.

However, Federal Law No. 52-FZ amended. Now banks themselves transmit information to the tax authorities.

If you decide to do business, then you will need a bank account - this statement can be called an axiom. One of the most convenient options is to open an account with Sberbank for individual entrepreneurs; this service is popular due to its convenient tariffs for cash settlement services (CSR) and the ability to submit your application online. By looking at the official website, you can find out, without leaving your home, under what conditions Sberbank provides these services.

What is account opening

It is difficult to imagine running a modern business without banking operations. Russian banks offer convenient forms of servicing individual entrepreneurs: payments for concluded transactions are sent to the current account, money transfers are made from it to business partners, and other financial transactions are carried out. Although formally entrepreneurs are not required to open an account, its absence will be very inconvenient, limiting activities only to cash payments, the value of which for each agreement should not exceed 100,000 rubles.

Banking has many advantages, for example, eliminating the need to have a cash register. Reporting to the tax office is also greatly simplified, making non-cash transactions as transparent as possible. For this reason, many businessmen are in a hurry to open an account as soon as they have managed to register an individual entrepreneur.

Advantages

Although there is now an abundance of offers on the financial services market, opening a current account with Sberbank for individual entrepreneurs will be very attractive for business people. Trying to answer the question of why entrepreneurs choose this opportunity, several main reasons can be given:

• The largest prevalence of ATMs and bank offices in Russia, and opening an account for individual entrepreneurs in Sberbank in any branch.
• Remote services for completing an application on the website, in which you can obtain the necessary services online.
• Round-the-clock consultations and technical support are also advantages of Sberbank.
• A convenient line of deposit and loan products with favorable conditions.
• Possibility of connecting additional services: “Service package”, “Self-collection”, etc.
• Flexible system of prices for cash services (CSA) for ruble and foreign exchange transactions.
• Various promotions that make it cheaper to open a current account for individual entrepreneurs in Sberbank.

How to open an account in Sberbank for individual entrepreneurs

Immediately after completing the individual entrepreneur registration process, to receive the service, the entrepreneur needs to contact a Sberbank branch. Before this, a businessman needs to collect all the necessary documents and study the line of offers that Sberbank offers to its clients. If necessary, an entrepreneur can resort to the service of reserving a current account number - this should be done on the website of the financial institution.

Requirements for individual entrepreneurs

In accordance with the terms of service, in order to open an account for an individual entrepreneur with Sberbank, there are certain requirements that must be met. These conditions include:

• In many cases, copies of documents are not allowed: when visiting the bank, it is better to have the originals;
• personal presence of the client when opening an account and certifying a bank card with a notary;
• personal signature of the individual entrepreneur on the banking service agreement and other necessary documents.

Opening procedure

To open an individual entrepreneur account with Sberbank, you need to fill out an application and, together with a package of documents, contact a bank branch convenient for you. If the documents are in order and the bank has no questions for you, then you will become a client within two business days. Moreover, if you used online reservation on the Sberbank website, then you should be sent details by email (the account is already available for use, but only for incoming payments). In order to withdraw this money or make a transfer, you need to complete the registration procedure.

Documentation

Try to ensure that you have the original documents with you at the bank; in some cases, even notarization will not work. At the same time, bank employees can make and certify copies of documents that will be necessary for a fee. In order to open a current account with Sberbank for an individual entrepreneur, you will need:

• passport (or other identity document);
• entrepreneur certificate and extract from the Unified State Register of Individual Entrepreneurs;
• card with samples of seal and signature;
• information about the client (the form for filling out the questionnaire is posted on the website);
• patents for the right to carry out activities subject to licensing.

How much does it cost to open a current account for an individual entrepreneur?

Every entrepreneur is interested in how much to pay someone who wants to open an account for an individual entrepreneur in Sberbank. This amount is made up of several components, and for the minimum cost it will look like this:

• one-time opening fee – 3,000 rubles;
• cost of signature on a bank card – 500 rubles;
• payment for services for certification of one document – ​​300 rubles. (minimum 3 pcs.);
• total - 4,400 rubles.

This is the lowest cost an entrepreneur incurs: it does not include special options such as online banking or a checkbook, which will require additional payments. A certain disadvantage can also be recognized that Sberbank for individual entrepreneurs offers the same cost as for legal entities. The only opportunity to save relates to future costs - you need to choose a tariff with the minimum cost of service.

RKO tariffs

The cost of servicing a current account in Sberbank for individual entrepreneurs is the sum of prices for the services used by the client. Basic service prices are:

• maintaining an account – 1,700 rubles;
• transfer using electronic document management for other banks of amounts up to 100 million rubles - 32 rubles. for payment;
• the same, but inside Sberbank - 11 rubles. for payment;
• cash acceptance up to 100,000 rubles – 0.36% of the amount (minimum 250 rubles);
• the same over 100,000 rubles or using self-service devices - 0.3% of the amount;
• cash withdrawal (including when closing an account) – 1.4% of the amount (minimum 250 rubles).

In many cases, it will be convenient to use ready-made package offers specifically aimed at solving business problems. Tariffs suitable for individual entrepreneurs are given in the table:

	Tariff plan
	Minimum
Payments per month
Cash acceptance, rubles
Cash withdrawal, rub.
Cost of the tariff plan, rubles/month.

The opening of Sberbank took place back in 1841, and since then it has occupied the highest positions of rating agencies. Among the 4.5 million business representatives registered in Russia, more than 1 million are serviced by this bank.

Even a novice entrepreneur can afford to open a current account with Sberbank, since the tariffs are acceptable.

To open a personal account, documents are required that any businessman can provide in a short time. Conducting account transactions online makes business convenient and saves time.

More about Sberbank

Advantages of opening a current account with Sberbank

Sberbank, according to 70% of the Russian population, is the most favorable bank for opening accounts. Let's figure out why most legal entities choose it.

The advantages of opening a current account with Sberbank are the following:

reliability (when carrying out transactions on accounts, you can definitely be sure of their safety. The bank dates back to the 19th century, which speaks of its experience and stability in relation to various fluctuations of an economic and political nature);

you can open an account without leaving your own office, over a cup of coffee or while on the road (this is possible thanks to Internet technologies that allow you to register an account number online. In this case, the account becomes active after 5 minutes, it can be used until How will you provide the originals of all necessary documents);

the bank provides remote services, which frees you from visiting bank branches and waiting in queues;

payments are made all week from 6:00 to 23:00, which provides ample opportunities for business in terms of timely payment and receipt of funds from counterparties;

the bank offers several account servicing tariffs to choose from: you have the right to choose any based on annual revenue;

a large number of ATMs (you can always find a device nearby for withdrawing or depositing cash, which operate around the clock);

The bank has a dedicated telephone line for corporate clients. It works 24 hours every day, which means that you will receive an answer to your question at any time of the day.

Open an account

Free tariff at Sberbank “Easy Start” for opening a current account

This is an excellent tariff that Sberbank launched relatively recently. This service package allows you to:

1. Open a current account - Free;
2. Monthly maintenance - Free;
3. The first 3 payments are Free;
4. + 1 year card maintenance;
5. Opening an account and making a reservation in 5 minutes (you can use the account immediately!);
6. Internet banking and mobile banking - Free;

This is a very favorable tariff on the cash settlement services market, and even in the most reliable bank in Russia.

Open an account for free

All Sberbank tariffs for cash settlement services

You can choose a ready-made service package that already includes a set of functions from Sberbank. If none of them suits you, then the bank offers to draw up a constructor agreement, which can include only those functions that are specifically needed when running your business. The table shows 6 basic service packages that you can activate online or by contacting a Sberbank branch.

Sberbank tariffs vary in each region. In the following table we have collected for comparison several items from the tariff plans for the cities of Moscow and St. Petersburg.

Service	Tariff in rubles for Moscow	Tariff in rubles for St. Petersburg
Providing certificates on account transactions printed and certified by a bank employee	500	500
Transfer money to another bank in the amount of up to 100,000 rubles	32 (for each payment)	35 (for each payment)
Transferring money to an organization's account opened with Sberbank	10 (for each payment)	8 (for each payment)
Transfer of money to the account of an individual (including individual entrepreneurs)	0.5-6% of the transfer amount	0.5-6% of the transfer amount
Accepting cash through an ATM	0.3% of the amount	0.25% of the amount
Cash withdrawal through Sberbank ATM	1,8%	2,8%
	1,8-8%	2,8-8%

Some entrepreneurs, when studying Sberbank's tariffs, consider them too high. This may be true when compared with other little-known banks. However, it is worth taking into account the reliability of Sberbank, increased convenience for customers, which are associated not only with the availability of various services within tariffs, but also with the largest number of branches and ATMs in the country.

Detailed tariffs

How much does it cost to open an account and what is needed for this?

Tariffs for opening a current account with Sberbank depend on the region of registration of your business. Prices for services are fixed in the bank’s internal documentation and are publicly available. You can see the cost of opening a current account with Sberbank in some regions in the table below.

If you open an account using the “Quick Start” tariff, then opening an account is FREE!

The list of papers required to open an account varies depending on the legal form of your company, and we will talk about this below. The list of documents also includes a banking service agreement, which spells out all the nuances of interaction with the bank.

To open an account you need contact a Sberbank branch or apply online through the official website of the bank. In both cases, you must fill out a form with information about the organization. The conditions for opening an account remotely and in a bank branch are similar. The difference is that in the first option you register an application and fill out the application yourself, while in the second option the operator completes the application.

If for some reason you do not want to open an account yourself, then professional intermediaries can provide assistance. In order for them to represent your interests in Sberbank, you will need to issue a special power of attorney and write down all transferred rights in it. For assistance in opening an account, the intermediary company charges a fee, which is most often paid before the services are provided.

Step-by-step instructions for opening a current account

You already know that you can open an account with Sberbank in two ways:

• in the department;
• in online mode".

For your convenience, we will analyze both methods in the form of step-by-step instructions. If you would like to contact a bank office to open an account, you must complete the following steps:

1. Prepare a list of necessary documents (they will be discussed below);
2. Contact the nearest Sberbank branch (a list of addresses can be found on the bank’s website);
3. Punch the coupon in the electronic queue to open a legal entity (or individual entrepreneur) account;
4. When it’s your turn, provide all documents to the operator;
5. Fill out the form with company information;
6. Select a tariff plan (their list will be announced to you by the operator);
7. Write an application to open a current account;
8. Sign a banking service agreement;
9. Here you can connect a set of additional functions (for example, register a personal account of a legal entity on the bank’s website);
10. Ask for a printed form with your company's account details;
11. Next, the operator will ask you to deposit the amount necessary for servicing and conducting operations on the account.

Opening an account online

To open an account with Sberbank you will need to take 3 simple steps:

Go to the Sberbank website and follow the instructions below;

Click the button Submitonline application«;

Fill out the form and wait for a call from a specialist from Sberbank;

We contact Sberbank to open a current account for individual entrepreneurs

Opening a current account for an individual entrepreneur is accompanied by collecting a package of documents. The list of papers includes the following:

passport (you will need the original; the operator will not accept you with a copy);

form No. P60009 from the Unified State Register of Individual Entrepreneurs (original only);

an extract from the Unified State Register of Individual Entrepreneurs (you can provide the extract itself or a copy of it, certified by a notary, a representative of the Federal Tax Service. Certification by a bank employee is also allowed);

card of sample signatures and seals (certified by a notary or by a bank operator, if authorized persons are present in person when opening an account);

information about the client according to the bank form posted on the Sberbank website (original only);

documents confirming the right of third parties to dispose of funds in the account (the original or copies are certified by a notary or bank, and the client’s signature is sufficient on statements);

for individuals authorized to operate the account, they will be required to provide passports;

licenses (if any). It is allowed to provide copies that are certified by a notary or a bank operator (if the original is available).

When opening an account for an individual entrepreneur in Sberbank, you will not have to deal with hidden commissions: the agreement is drawn up transparently, and the nuances of the tariffs are described very clearly. In addition, all funds in the entrepreneur’s account up to 1,400,000 rubles are subject to compulsory insurance. This service is free for individual entrepreneurs.

If an individual entrepreneur opens an account with Sberbank, then more counterparties will trust him. This bank in Russia has established itself as a reliable custodian of funds, and, as a rule, for business partners it is very important through which credit institution payments will be made.

The terms of service for individual entrepreneurs at Sberbank have many other positive aspects. And if you choose a ready-made package of services, you can save on the annual cost of maintenance.

Sberbank requirements for documents for opening an LLC current account

Opening a current account for legal entities will require preliminary preparation in terms of documents. You will need to present the following package of documents to the bank specialist:

Charter or Constituent document (originals. If you provide copies, they can be certified by a notary, a representative of the Federal Tax Service or a bank operator);

form P50007 of the Unified State Register of Legal Entities (only the original document may be provided);

an extract from the Unified State Register of Individual Entrepreneurs (you can bring the extract itself or its certified copy from a notary, a representative of the Federal Tax Service or a bank);

a card with signatures and seals (if you bring a copy, it can be certified by a notary or a bank specialist);

a form with the bank’s information about the client (posted on the Sberbank website. You must bring the original);

documents confirming the authority of third parties to manage the account (copies can be certified by a notary or bank operator);

papers confirming the rights of the sole management body (certified by a notary or a banking specialist);

passports of persons having access to the account;

licenses (copies signed by a notary or bank representative);

power of attorney if the account is opened by a representative (as well as the passport of the authorized person).

Opening an account online will also reduce your time: you can provide documents later, and use the account in the next few hours. Tariffs for services at Sberbank are quite attractive, and payments using electronic payments are also fast.

In the activities of legal entities, several money transfers can be carried out per day. To resolve issues related to them, you can call a dedicated telephone line at any time of the day and get help from a specialist.

In this case, your phone number remains in the system’s memory and when you call again, the operator will already know who he is dealing with. This significantly reduces time costs and allows you to solve the problem as quickly as possible. The cost of this service is included in each tariff, and therefore any businessman can use it.

A legal entity can link a card to a current account. With its help, it becomes convenient to top up your account through an ATM at any time.

Open an account

Settlement and cash services at Sberbank

In addition to a current account, Sberbank offers a wide range of additional services for legal entities. These include:

• salary project(the maximum time for crediting wages is 1.5 hours. If you have any questions related to the distribution of funds among employees’ accounts, Sberbank can organize an on-site consultation at your office. You will also be provided with assistance in creating a register of employees );
• currency exchange(Sberbank works with more than 20 currencies. You have the opportunity to gain access to the foreign exchange market with a well-thought-out hedging system);
• customs payments(those who have activated this service are given the opportunity to control customs payments around the clock. There is no need to open a special account, all operations can be carried out from an open bank account. Legal entities can send all necessary documents to the Customs Service online) ;
• exchange control(thanks to this service, you will be able to competently draw up international agreements, apply for loans to foreign organizations, and receive advice from Sberbank representatives on compliance with the law in the actions of foreign counterparties);
• bank guarantee(protection of funds of the parties to the transaction. The buyer and supplier enter into an agreement. According to it, the seller ships goods or provides services. When the terms of the agreement are met, funds from the buyer’s account are transferred to the contractor);
• online cash registers(Sberbank offers its clients a choice of two configurations. It meets all modern requirements, as well as legal norms. Using Internet acquiring, you can remotely control points of sale, print receipts, carry out inventory, etc.);
• deferred payments(if you provide services to the public, then Sberbank makes it possible to make fund transfers more convenient. For example, the details of your organization can be reflected in all Sberbank ATMs. This way, clients will be able to pay for services quickly and with a minimum commission (and in most cases, without it) ;
• merchant acquiring(to accept non-cash payments from clients, you will need a trading terminal. The bank installs it free of charge. Funds are transferred to the account literally the next day);
• collection(bank representatives are engaged in the transportation of funds, securities, various documents, precious stones and metals. A separate agreement is drawn up for each type of value (or their combination));
• self-collection(you can deposit proceeds into the current account yourself. To do this, you need to obtain an identification code from the bank. If the authority to deposit funds is transferred to another person, he also needs to obtain a code in advance. The combination of numbers is entered into the appropriate field of the ATM. This service allows you to deposit proceeds into any time of the day, without going to a bank branch);
• accounting service(trained and experienced specialists will calculate wages for payment, calculate taxes, submit reports to the Federal Tax Service, advise on your questions, and also inform you about debt. Sberbank works with the 1C service, which will help legal entities keep their accounting books competently).

Thus, Sberbank is not only a bank known to everyone for its long history, but also a bank that follows innovations and is ready to offer them to its clients. Sberbank is one of the first to introduce new functions into its activities, which significantly simplify the work of businessmen.

Open an account with Sberbank

Additional Internet services from Sberbank

For the convenience of servicing its clients, Sberbank has developed a system for managing its own accounts online. Legal entities can make transfers in favor of counterparties and receive payments from them without visiting a bank office. This is possible thanks to:

• remote service called “Sberbank Business Online”(allows you to use any browser to create and send payment orders, control the movement of funds in your account, exchange messages with bank employees, and also connect various services);

• mobile application "Sberbank Business Online"(with it you can take a photo of the invoice, and the system will generate a payment order. The application also makes it possible to issue an invoice to a counterparty, sign salary registers, ask a question to a banking specialist in an online chat);

• document flow system E-invoicing(you can send various documentation to business partners using an electronic signature. The service is also equipped with the function of checking counterparties);
• website creation service(Sberbank cooperates with the company 1C-UMI, which professionally creates various Internet pages for business. Special reduced rates apply to Sberbank clients. You do not need to know the basics of programming: just select ready-made templates and follow the system prompts);
• Manager's diary(the application recognizes business cards from photographs, has the function of dictating text, distributing tasks for each day of the week, and also attaching images to created notes).

In this article we will analyze the procedure for opening a current account with Sberbank. We will find out the tariffs for servicing individual entrepreneurs and LLCs, the possibilities of Sberbank Business Online and the conditions of cash settlement services. We have prepared step-by-step application instructions for you and collected feedback.

About the Bank

Sberbank is the largest bank in Russia and the CIS. More than half of the bank's shares are controlled by the Central Bank of the Russian Federation, which ensures its high stability even in times of crisis. Therefore, if you open a current account with Sberbank, you can reduce the risk of losing money due to the revocation of its license. In confirmation of this, ACRA agency assigned the bank a rating AAA(RU) and has repeatedly confirmed it.

Over the past 10 years, the nature of Sberbank's activities has changed significantly. Most services are now offered online. And for business, the bank offered settlement services at affordable rates.

Go to the official website of Sberbank.

Advantages of a current account in Sberbank for individual entrepreneurs and LLCs

Sberbank has long been beneficial mainly for individuals and corporate clients. Today, opening a current account for large legal entities and small businesses with Sberbank has a number of advantages:

• Convenient deposits and withdrawals. Sberbank has the most extensive network of ATMs. They exist even in remote settlements.
• Long operating day. Online payments are made from 6 a.m. to 11 p.m. An individual entrepreneur or company manager can always send a payment from home or on the road, if for some reason this could not be done in the office.
• Large number of clients. Many of your counterparties will also have accounts with Sberbank. Payments within the bank arrive almost instantly and have attractive rates.
• 24/7 support. A dedicated support service for corporate clients is ready to help resolve any issues, even late at night.

Tariffs for cash settlement services in Sberbank

Sberbank offers 5 tariffs. They are distinguished by the terms of service and the included set of services. But the cost of opening an account is zero.

Rate	Monthly subscription fee	Payments to individual entrepreneurs and legal entities. persons	Payments to individuals persons
Easy start	0 rub.	internal and 3 external per month. — 0 rub., the rest — 100 rub./piece.	For legal entities persons - commission from 0.5%, for individual entrepreneurs up to 150 thousand rubles. free, then commission - from 1%
Good season	490 rub.	5 any per month. - 0 rub., over - 49 rub. - for any
Good revenue	990 rub.	10 any per month. - 0 rub., over - 11 rub. for intrabank, 32 rubles. - for external
Active settlements	RUR 2,460	50 any per month. — 0 rub., the rest — 16 rub./piece.
Great opportunities	RUB 9,600	all internal and 100 external per month - 0 rub., over - 100 rub. for external payment	up to 300 thousand rubles - free, above - commission from 1.5%

Detailed tariffs on the official website.

Online application for opening an individual entrepreneur and LLC account

You can open an account with Sberbank by contacting any branch. But it is much more convenient and faster to submit a preliminary application on the website.

Let's look at how remote account opening in Sberbank occurs:

Documents for individual entrepreneurs

When opening an individual account, you will need to fill out a form and an application for opening an account. It is necessary to submit a passport, licenses and a card with sample signatures to the bank.

Comment. If an account is opened by a representative of an individual entrepreneur, then a power of attorney will be added to the list of documents.

Documents for LLC

List of documents required to open an LLC account:

• Questionnaire and application for opening an account.
• Articles of Association and, if available, Memorandum of Association.
• Protocol/decision on the appointment of a manager and his passport.
• Documents for officials who have the right to sign documents (order/power of attorney and passport).
• All licenses received by the LLC (if any).
• Card with sample signatures (only if you plan to submit payments on paper or use a checkbook).

If the documents are not signed by the manager, then a power of attorney for the representative and his passport will also be required.

Settlement and cash services

In addition to standard cash settlement services, Sberbank offers many additional services for business. For example, you can open a salary project, issue a corporate card, or connect acquiring - we’ll talk about all this further.

Find out all the details of cash settlement services in Sberbank.

Registration of individual entrepreneurs and LLCs

Sberbank’s free service will help you register an individual entrepreneur or LLC if you are just planning to start a business. It is enough to fill out the necessary information on the bank’s website, and in a few minutes the system will generate a package of documents required for the tax office. All you have to do is pay the state fee and contact the Federal Tax Service.

Accounting

Sberbank and its partners are ready to take on issues related to accounting and reporting. For individual entrepreneurs on the simplified tax system of 6%, provided there are no employees, this service will be free. You only need to pay for the issuance of an electronic digital signature - 1,650 rubles / year.

Salary project

Transferring employee salaries to cards allows you to get rid of the costs of cash collection and storage. Salaries are credited to Sberbank within 90 minutes after sending the register.

Employees can be issued MIR, Visa or Mastercard cards of different categories. You can withdraw money without commission from the Sberbank ATM network and receive special offers from the bank. We provide detailed information on tariffs for salary cards in the table:

Trade acquiring

Accepting card payments can significantly increase turnover for retail and service enterprises. Sberbank is the largest bank in the Russian Federation organizing such an opportunity. The bank credits money for completed transactions on the next business day.

Internet acquiring

Sberbank offers to organize the ability to accept payments for any Internet resources (applications, websites, social networks). The bank's system supports connection to an online cash register and allows you to accept payments in strict accordance with 54-FZ.

Online cash register

At Sberbank you can purchase or rent Evator online cash registers. You can buy a cash register separately or together with additional equipment (for example, barcode scanners). Along with any cash register, a terminal for accepting bank cards is provided free of charge. All cash registers comply with the requirements of 54-FZ and are supplied ready for use.

Business cards

Business cards allow you to get round-the-clock access to money in your current account. With their help, you can pay business expenses, purchase tickets for employees going on business trips, etc., as well as withdraw funds through ATMs. Separate limits can be set for each card, and all transactions are instantly displayed in Sberbank Business Online. Up to 5 business cards can be issued for one account.

Bank guarantees

Bank guarantees are an effective tool for ensuring the fulfillment of obligations. They are especially in demand by companies working with government customers within the framework of 44-FZ, 223-FZ, etc. Sberbank offers to issue guarantees with a minimum package of documents and in just 1 business day.

Currency control

If your business is related to foreign economic activity, then Sberbank will provide the services of a currency control agent and advise on any issues of export-import transactions. The cost of services of a currency control agent will depend on the amount of the transaction:

Self-collection

The service allows you to deposit money into your current account at Sberbank around the clock using ATMs. The credit institution is constantly increasing the number of available self-service devices. You can deposit money even without a business card, using your login and password. All funds received through ATMs are credited to your account instantly and can be immediately used for payments.

Contractor verification service

Verification of counterparties plays an important role in any business. The counterparty verification service from Sberbank allows you to get all the most necessary information in one place. The additional module “Traffic Light” automatically analyzes the risks of interaction with a counterparty. The cost of access to the Sberbank service does not depend on the tariff plan and is 300 rubles per month.

Account management through Sberbank Business Online

Sberbank Business Online is not just an online bank for settlements with counterparties and viewing information about payments, but a full-fledged system for managing all services for business.

Main features of Sberbank Business Online:

• Obtaining up-to-date information on balances, transaction statements, and analytical reports.
• Carrying out settlements with partners and the budget.
• Preparation of documents for currency control.
• Transferring salaries to employees as part of a salary project.
• Online submission of reports to government agencies.
• Service management (opening additional accounts, applying for loans and other products, changing limits for business cards).
• Easily integrates with 1C.

Mobile app

The Sberbank Business Online mobile application allows you to keep your finger on the pulse of your business even while away from the office. Just install the application on your smartphone on iOS, Android and Windows Phone, and you will always have access to the main functions:

• View current information about the status of accounts, transaction history, statements, payment statuses.
• Processing payments to counterparties and to the budget (including the possibility of processing payments based on a photograph of an invoice).
• View information on corporate cards and manage them.
• View salary slips and quickly sign them.
• Chat with technical support.

Sberbank has existed for many years, and during this time it has proven that it is one of the leaders in the market. A significant part of the population uses the banking services of Sberbank, as it is practical and reliable. In addition, it has an extensive network throughout the Russian Federation, with offices always located in close proximity. For this reason, individuals and legal entities choose Sberbank to open an account. The bank offers different service conditions, so even a novice businessman can have his own bank account without significant difficulties. Also, Sberbank does not put forward strict requirements for the documentation that must be presented when concluding an agreement. And the account is opened quite quickly, and remote execution of the agreement is also available.

According to statistics, more than half of the Russian population chooses banking products from Sberbank, this is due to the fact that it is responsible for its obligations. Sberbank first appeared in the middle of the 19th century, and therefore we can talk about stability and reliability. The work of a banking institution is not affected by the economic situation in the country. Few of these organizations can offer remote service. After all, for people who run an enterprise, sometimes there is no time to visit various institutions. Therefore, Sberbank offers to arrange everything online. You can open an account with Sberbank for an LLC or individual entrepreneur in five minutes. Moreover, it becomes active immediately after the agreement. However, you can fully use it after the originals are provided to the bank office. This is necessary in order to secure all ongoing transactions.

It is worth noting that the bank accepts and sends all transfers every day, this is not affected by holidays or weekends. The time is set quite loyally, it is from 6 am to 23 pm. This means that the person will receive his funds in a timely manner.

Important. It turns out that a person saves time and immediately receives a current account, which can be indicated in the details.

Bank terminals are located in all public places, and there are also terminals that operate 24 hours a day. This means that there is constant access to finance. In addition, if you have questions or problem situations, Sberbank has a separate hotline for calls, which is used by corporate clients. It is important that the call center works non-stop, for this reason all problems of legal entities are resolved in a short time. Individual conditions are selected for each client, depending on the company’s income.

Tariffs for opening an account with Sberbank

Most recently, Sberbank launched a special program for those entrepreneurs who are just starting their journey. A banking package called Easy Start has appeared in the line of services. There is no monthly payment for it, in addition, there is no fee for having a business class bank card. Within the system, all payments are made without commission fees. However, receipts from third-party accounts are paid and amount to 100 rubles. In the case where it is required to deposit cash into a current account, the fee is 0.15 percent. It is worth noting that the first three payments from third-party accounts are completely free. When withdrawing cash, you need to pay the bank 3 percent. This tariff is more designed for small businesses that are just taking their first steps in business.

For those who stand firmly on their feet and successfully develop their enterprise, Sberbank offers very realistic banking tariffs for servicing a current account, for example, the Great Opportunities package. Every month you need to pay 8 thousand rubles, but all incoming transactions within Sberbank are free, and the first hundred external payments are transferred every three months free of charge, after which you need to pay 100 rubles for each transfer. However, the financial institution provides the opportunity to deposit cash into the account without additional fees if the amount does not exceed half a million rubles. If the limit is exceeded, then only 0.3 percent is deducted from the total amount of withdrawals. There is a limit of 500 thousand rubles for withdrawing cash from a current account, after which the bank takes a commission of 1.4 percent. Sberbank does not charge a fee for servicing a business card.

There are other suggestions:

• A successful season, where 490 rubles are paid every month to open an account;
• Good income - monthly payment is 990 rubles;
• Active payments - payment 2490 rubles.

It doesn't really matter which tariff plan you choose, there are options that are completely free. These are mobile banking, account statements, the ability to transfer from a current account to a business without commission, but the amount does not exceed 150 thousand rubles.

Documentation for opening a current account

The account differs from others in that a person needs to collect a list of papers that confirm his activities. As a rule, savings or savings accounts are opened upon availability of an identification document, and the citizen also writes an application for opening.

Opening a current account with Sberbank for individual entrepreneurs and LLCs requires additional documents; they are provided in the original, but it is also acceptable to show notarized copies. Firstly, the bank will definitely require the company's charter or any other constituent document, for example, a charter. If the entrepreneur’s activities require licensing, then a license must be provided to the bank. If financial management is entrusted to a third party, then a notarized power of attorney is drawn up for him. Without this, the bank will not allow any transactions with the account. You will also need papers from the legal entity that indicate management authority. Sberbank is also asked to provide certificates from the card indicating that the person was selected for the position taking into account all the requirements and has a legal basis for managing finances.

There is an information form on the official Sberbank portal that needs to be filled out and printed. This is a summary of the legal entity that allows you to quickly understand what the company does. You are also required to provide a seal impression and cards with personal signatures, this must be confirmed with a notary signature. A tax certificate and an extract from the Unified State Register of Legal Entities are attached, and a certificate of state registration is also required. As a rule, collecting documents does not take much time for everyone; they are all done when registering a company.

In the case where the paperwork for opening a current account in Sberbank for an LLC is brought by a trusted person, additional certificates are added to the package. A person must have with him a document that confirms his identity, that is, a passport. The bank is also required to provide a notarized power of attorney to provide interests.

After all information is provided to the bank office, its verification begins. Sberbank needs time to analyze all the securities. The credit institution is mainly interested in such points as:

• contact phone numbers for communication;
• information about the legal entity at the place of its registration;
• size of the company's authorized capital;
• information about the LLC.

Only after Sberbank has verified the correctness and authenticity of all documents can we proceed to the actual conclusion of the contract.

How long does it take to open a current account with Sberbank?

Sberbank complies with the laws of the Russian Federation, and the legislation clearly states that the maximum opening period is two days. It must be taken into account that all papers must be drawn up in accordance with the standards. The agreement is signed after the person has been fully verified.

To open an account for an LLC, a standard form of a Bank Account Agreement is taken, which is signed by several participants. The head of the company, the chief accountant must put his signature, and also sign the bank employee. The agreement to open a current account is certified with two seals. The imprint of the banking organization and legal entity is affixed. A current account for an LLC company is considered open when a branch employee enters registration information into the Sberbank book. This completes the procedure itself. In addition, you are required to familiarize yourself with all tariff plans presented in advance.

Step-by-step process for the opening procedure

Let's take a closer look at how to open a current account in Sberbank for an LLC. There are two main options - a personal visit or an online service. Everyone chooses the most convenient one. In cases where you urgently need to obtain account information, it is better to use an online service that allows you to become an account owner within five minutes. But before contacting a financial institution, you need to prepare a package of documents; this is done in advance so that unforeseen circumstances do not arise. However, when an account is opened through the official website of Sberbank, you need to understand that you must come to the branch to provide original documents for business activities.

Important. When an application is made through the online system, the client has only one month to complete identification.

Sometimes situations arise in which changes need to be made. Updating client information is possible, but this requires filling out an official form. In addition, there is a feedback form on the official website of Sberbank. It must indicate what changes have occurred. The signature is placed in the online banking business and after a while a specialist will process the information and respond to the message.

What actions are carried out with the account?

First you need to study all the tariffs and choose the most suitable one. Most choose the standard one, where the cost of opening an account is 3 thousand rubles, but adding additional options is free. This is mobile banking, an online service.

There is a monthly payment for maintaining the account, which is 1,700 rubles. There is a small fee for transactions within Sberbank - only 11 rubles per transaction. However, if external payments are made to third-party banks, the bank charges 32 rubles. In this case, the transfer to the tax authority is made free of charge.

If funds are deposited into the account through a banking machine, the commission fee is 0.3 percent of the total amount. Cash withdrawal is not free; when the amount does not exceed two million, the percentage will be 1.4, but the write-off amount cannot be less than 250 rubles. When withdrawing cash up to five million rubles, a different tariff applies; 4 percent is deducted from the total amount. If the limit of 5 million is exceeded, you will have to pay the bank an increased rate for withdrawal, it is equal to 8 percent.

For beginners, it is better to enable the Easy Start option, where everything is absolutely free. This package will help you understand the intricacies of the financial structure. And after the business begins to develop, choose the most comfortable tariff plan that will meet all the requirements.

Sberbank is developing and offering its clients new service packages. Therefore, the choice is huge, and every entrepreneur will be able to choose a tariff that will fully meet the necessary requirements. An organization that opens a current account with Sberbank has many advantages - remote management of its finances and connection to a mobile application. In addition, Sberbank cooperates with a company that creates websites. Therefore, he offers a service for developing your own Internet pages.