According to the norms of domestic law, any citizen or organization has the right to open a bank account. It is noteworthy that their number is not limited.
The law clearly states that relations between a bank and a client (individual or legal entity) are regulated by the relevant document - an agreement for settlement and cash services.
When you choose which bank it is better to open an account with, then you should focus on the following criteria:
• fees for opening and further servicing;
• the presence of the Bank-Client service (it is important to clarify whether such a service is available at all, how much it costs, how quickly access can be gained to it);
• location of the banking institution;
• the presence of loyalty programs for customers (providing credit on preferential terms, for example).
It is much easier for an individual to open a bank account. First of all, we come to the selected financial institution, not forgetting to grab a passport of a citizen of the Russian Federation. Next, the service manager should state his intentions.
And here you have two options. The first is the opening of a
savings account. Simply put, a deposit. Yes, it will allow you to receive
additional income, however, the main inconvenience is that until a certain point it will be impossible to withdraw your funds. Rather, you can pick up something, but then you can’t count on additional profit. The second option is to open a bank account, which will be used for constant withdrawals and replenishment of cash. Usually it’s called “Poste restante” or something like that.
In the event that the company intends to open an account with a bank, it will need to provide a mass of documents. Moreover, their set does not change much from one financial institution to another. Usually you need to provide:
• a copy of the registration certificate (either from the USRIP or from the USRLE);
• copy of the charter;
• a letter notifying the assignment of statistics codes;
• a copy of the certificate confirming that the legal entity or individual entrepreneur is registered with the local authority of the Federal Tax Service.
In addition to all of the above, it will be necessary to provide copies of orders that state the appointment of a citizen as such director (+ protocol on election), and a citizen as such as chief accountant. Of course, all papers submitted to the financial institution should be notarized.
After signing the relevant agreement, where all the necessary details are reflected, you should immediately go to the tax authority to inform about the start of using a new banking product. The law takes a week to do this. Do not invest in it - prepare 5 thousand to pay a fine.
Issue price
Now let's see how much it costs to open a bank account. A serious enough question, isn't it? Monitoring of the domestic financial services industry shows that individuals can not worry about this: for them everything is “at the expense of the company”. But legal will have to look for a suitable option. You can get the service for free at SDM Bank, Master Bank and Moskommertsbank. All of their competitors offer paid services. Moreover, the money will have to be paid not only for the opening, but also for further maintenance.