It is not at all necessary for the founders of an individual enterprise to have a current account, but in most cases it is necessary. Today, most entrepreneurs and businessmen cooperate with Sberbank of Russia, since this bank operates on a state basis. Opening a current account for individual entrepreneurs and legal entities in Sberbank has a number of advantages in comparison with other organizations.
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Settlement account for legal entities and individual entrepreneurs in Sberbank
Individual entrepreneurs or other legal entities work with cash. This is not always convenient and incurs certain costs. Plus, you need to carefully maintain the relevant documentation, which takes a lot of time.
A great relief in such cases is the opening of a current account for individual entrepreneurs in Sberbank of Russia. The bank regularly holds various promotions and entrepreneurs have the opportunity to save on opening an account. In addition, additional features are provided.
Among the main advantages is access to Internet banking. In Sberbank, opening an account takes a minimum of time and effort.
The procedure looks like this:
- You need to contact the bank.
- Submit and complete the relevant documents.
- A checking account is opened.
If desired, you can connect to the Internet Bank during the process of opening an account.
There are two ways to open an account with Sberbank:
- remotely, through Sberbank Online ;
- in person by visiting a bank branch .
After drawing up and signing the contract, Sberbank employees assume the responsibility for timely maintenance of the current account in accordance with the established rules. Along with this, the bank becomes responsible for the safety of funds in the account, and it is also obliged to issue cash at the request of the user.
Conditions for opening a current account with Sberbank in 2019
Opening a current account for individual entrepreneurs and legal entities in Sberbank requires the provision of original documents. Bank employees will personally make copies.
The full list can be downloaded here:
Often there are difficulties with filling out a bank card. It must be signed by all persons who are directly related to the management of the current account. The bank card must be filled out legibly, taking into account the established requirements.
If you are opening an account for the first time, you should follow the instructions:
- Collect the necessary package of documents (originals). To certify each document will cost approximately 50 rubles.
- Fill out all required documents. A bank employee helps to draw up an agreement and a statement. The main task of the client is to put down a personal signature and ticks in the relevant sections.
- The employee will notify you about the opening of a current account.
- You need to transfer funds to a new current account.
- If necessary, you can connect additional functions. For example, linking an account to Internet banking.
Tariffs for service packages for servicing an IP account in Sberbank
For the organization of settlement and cash services, Sberbank offers several packages of services of complex content. This:
- Easy;
- Minimum+;
- Basis+;
- Active+;
- Optima+;
- Salary;
- Trade plus.
The easiest and most profitable tariff for individual entrepreneurs and legal entities is the Easy Start service package.
You can get acquainted with the tariffing on the official page of Sberbank . An account in rubles is opened free of charge. It is not necessary to purchase a ready-made service package, as it is possible to select the necessary services separately.
Entrepreneur's expenses for maintaining a current account:
- Conducting cash and settlement transactions (settlement and cash transactions) for one month will amount to 500 rubles.
- Cash withdrawal will cost the account holder 1% of the total transaction amount.
- When money is credited to the account, the commission will be 0.3% of the amount.
- Internet banking service costs 490 rubles.
Tariffication of service and maintenance of cash registers differs depending on the region or city.
Among other things, Sberbank provides its customers with the service of doing business online. Despite the fact that this option is included in the basic billing, there is a limit on the number of transactions. And when the entire limit is exhausted, you will have to pay a commission for subsequent operations.
Opening a current account for individual entrepreneurs or legal entities in Sberbank involves a thorough study of information before concluding a contract. You should choose tariffication taking into account your own preferences and needs.
Download:
Package prices per month:
- The “Minimum+” package of services will cost 990 rubles, up to 5 payments per month;
- the Basis+ package involves servicing a current account of 2,100 rubles per month. Here you can make up to 20 payments for 30 days. The rest will be paid;
- the Active + package allows 50 payments every month, and the payment will cost 2,600 rubles;
- the Optima + package is the most expensive - 3100 rubles. But you can make 100 payments per month;
- "Salary" will cost 4800 rubles;
- "Trading Plus" - 3400 rubles.
Detailed conditions of the service packages for servicing the account of individual entrepreneurs and legal entities in 2019 are on the bank's page .