Any organization in the process of work carries out settlements with suppliers, receives payments from customers, issues a salary to employees. Trading outlets credited cash proceeds to the account, and participants in foreign economic activity carried out settlements with foreign partners. That is, settlement and cash services for legal entities is a demanded banking service. The question is how to choose the right credit organization for these purposes.
What to look for?
Most organizations use a standard set of services. And RKO has expanded greatly in recent years. Now this is not only cash settlement services for customers, but a whole range of services, including:
- account management and transfer of funds;
- remote service;
- salary projects;
- cash services (receipt of cash proceeds).
Choosing a bank for service, you need to consider a number of factors.
RKO cost
Opening of the main and additional foreign currency accounts is sometimes charged. This is a one-time and insignificant payment unlike, for example, from cash customer service. A retail outlet needs to take cash proceeds to the bank every day. For these purposes, collection is ordered. This service is paid. If the client independently brings cash to the department, then the fee for crediting it to the account depends on the number of transactions. The more of them, the lower the cost.
Non-cash payments are also charged depending on the number of transactions. Some banks charge a fixed monthly fee.
Some financial institutions offer package services. It includes a number of operations in limited quantities. To calculate the profitability of this service, existing IPs can. To do this, you need to compare the proposed number of operations in the package with the actual. Why only IP? Because only a private entrepreneur can carry out five operations per month: send taxes to the budget and transfer his salary from a current account to a card account.
Other payments
Enterprises that issue salaries to employees have to withdraw funds from the account at least once a month. A commission is also charged for this operation. The lion's share of the cost is the transfer of funds to plastic cards. However, this cost item can be reduced by filling out a salary project at the bank.
Very popular today, remote service is used by both private entrepreneurs and organizations. The system "bank - client - online" allows you to save time, paper and money on making payments. Most credit organizations charge a fee for installing the program and providing electronic keys, but its maintenance is usually included in the total cost of the service package.
Service
An important role is also played by the quality and speed of service. Before opening a bank account for an LLC or individual entrepreneur, come to the bank branch and talk with the staff to understand if you can cooperate with them. At this stage, you need to evaluate the entire range of services provided, the lack of bureaucracy and the length of the working day.
Settlement and cash servicing of clients is also evaluated by the speed of processing documents. It is clear that payments are carried out in the general order. But sometimes there is a need for quick processing of the operation, for example, if the payment is formed at the end of the working day. In most banks, this problem can be solved with one call to the operators, asking them to quickly complete the transaction. Others have to apply in advance for quick payment processing.
Location of the credit institution
This is not the most important, but still an essential factor. The presence of a network of branches is very important if the entrepreneur is not concentrated in one city. In this case, you can contact any bank branch and quickly withdraw cash from your current account.
This also includes the availability and cost of software. The system "bank - client - online" allows you to make payments anywhere in the world if you have an Internet connection.
Getting a loan
The use of borrowed funds is also best discussed at the initial stage before opening an account. It is always easier to negotiate with your own bank than to look for other offers in the market. In turn, a credit institution requires fewer documents from its customers and quickly considers applications.
The probability that the proposed conditions do not suit the entrepreneur is very high. The easiest thing for this LLC. They are allowed to have several checking accounts. But the IP will have to look for another bank. And amicably parting with a financial institution will not work. For transfer of service to another credit institution, a penalty will be charged.
The situation on the Russian market
Having considered the main factors that you need to pay attention to when concluding an agreement on the cash servicing of legal entities, let us turn to the description of service packages on the market. All the banks considered below were evaluated by the factors described above.
OJSC "Sberbank of Russia"
In order to draw up a contract for the cash servicing of legal entities, it is necessary, in addition to the standard package of documents, to prepare a lease for the premises in which the organization’s office is located. Next, you need to wait three days, pay at the cash desk one-time 2 thousand rubles. for opening an account, and then pay the cost of the selected tariff (2.2-3.1 thousand rubles). This fee includes the cost of account management services, remote maintenance, electronic payments, all cash transactions and the provision of certificates.
As the largest lending institution, Sberbank has a developed network of branches, a wider selection of services that are provided at a low cost. But customer reviews confirm that the quality of service is poor. Constant lines at the cash desk, lengthy processing of payments and poor technical support are not in favor of the bank.
Gazprombank OJSC
Notarized copies of constituent documents that are attached to the application for opening current accounts for legal entities are considered for two weeks. Moreover, the security service may come to the address of the legal registration of legal entities. This is one of the minuses of a credit institution. All services are provided not in batches, but separately. Account maintenance is free. But for its discovery, you need to pay 2.5 thousand rubles. A commission of 13 to 100 rubles is charged for one payment.
CJSC VTB 24
More attractive and high-quality service conditions are provided by the second state bank. VTB 24 considers applications for cash services to legal entities for up to three days, does not carry out any additional checks, and immediately opens a current account for 2 thousand rubles. The first month the customer is served on a start-up package for 1.2 thousand rubles, and then selects the most suitable tariff plan (from 3 thousand rubles). Payments are processed at a price of 25/60 rubles apiece (paper and electronic versions, respectively). For cash withdrawal, the client will have to pay 1% of the amount. For a quick high-quality service a small fee is charged. This is the only drawback of a credit institution.
Russian Agricultural Bank OJSC
The fee for opening an account is 2 thousand rubles.
Monthly maintenance - 800 rubles.
Remote maintenance - 200 rubles.
Carrying out a payment - from 30 rubles.
Similar conditions are offered by FC Otkrytie. The only difference is that applications for cash customer service are accepted online directly from the site.
Alfa-Bank OJSC
This credit institution has a developed network of branches and a high service level. Having decided to open an account here, you can use the service of booking details, call the manager directly to the office, if it is not possible to visit the department yourself. The bank motivates customers to use remote services. To do this, he set the tariffs for processing electronic payment in the amount of 0 rubles, and paper - 150 rubles. The monthly subscription is from 555 rubles, and with an advance payment a 25% discount is provided. For such a high service, a large fee is charged. At the same time, the credit institution tightly controls all the documents submitted.
Promsvyazbank OJSC
To become a client of this credit institution, you need to pay 590 rubles. for opening an account and another 550 rubles. for his conduct. The bank accepts advance payments for three, six months and a year, while the cost of the service is reduced. Service is provided in batch. At the same time, customers can use the PSB service with a high degree of protection of online payments for free. The only tariff that significantly exceeds market prices is the cash withdrawal fee - from 1% to 12%.
OJSC "Rosbank"
The credit institution offers its customers six service packages. The tariff for cash settlement services is reduced if, together with opening an account, a client draws up a salary project, a loan, opens a deposit or a card. A one-time payment is 1200 rubles. For maintaining the account you still need to pay 450 rubles. Another advantage is the accrual of 2% on the balance of own funds in the account in excess of 300 thousand rubles. The client pays for the services that he uses. But preferential rates apply only when purchasing an additional product.
ZAO RaiffeisenBank
The cost of a comprehensive package of services depends on the turnover of the company. The lowest basic rate is provided for 1200 rubles. per month. This amount includes fees for opening, maintaining and remote maintenance. For processing each payment after 20, the account will be charged 25/120 rubles. apiece (electronic / paper version). The advantage of using the services of banks is that the package provides terminals and a salary project on favorable terms. But many customers are confused by the large number of additional unnecessary options.