With the concept of "details" we come across in various areas of life and business. Individual entrepreneurs (IP) and commercial organizations have them, banks and their accounts. In each case, this term refers to all sorts of information. For example, the details of the individual entrepreneur and the bank are completely different data on these entities. "Details" is a rather broad concept, but its meaning is reduced to one thing: identification of the subject in economic and legal relations.
Who needs requisites and why?
Consider as an example the details of IP. To carry out commercial activities, an individual entrepreneur must provide information about himself and his activity, register it and use it when entering into economic relations. The lack of details makes the activities of the IP illegal and repels potential partners and customers, because this automatically increases the risk of the transaction.
There are details of the IP, which are mandatory and optional. The following data are mandatory:
- F. I. O. and legal address (may coincide with the registration address);
- TIN of a citizen-individual entrepreneur;
- number indicated in the certificate of registration of IP (OGRNIP).
In addition to these details, there may be additional:
- bank account details (r / s) if available;
- contact phone number (may also be included in the details);
- OKPO and OKATO codes.
According to the information indicated above, it is possible to identify and verify the legitimacy of IP activities.
Optional but extremely important payment details
As already mentioned, the details of the IP include data on its bank account in the bank. So we smoothly move on to the bank details.
In order to make settlements with IP, you must know the following information about him and his account:
- FULL NAME. individual entrepreneur;
- No. p / s - a combination of twenty digits;
- name of the bank in which the account is opened (recipient bank);
- bank correspondent account (also twenty digits);
- BIK - bank identification account;
- TIN - individual taxpayer number;
- KPP - code of the reason for registration.
Bank details for enterprises and individuals
If the recipient of the funds is an enterprise, then its full name is indicated instead of F.I.O. His details include, by analogy with the IP, the full and short name of the company, address, full name of the director and details of the bank account of this company, contact numbers and other legally important information about the company.
For individuals, for the purpose of transferring funds, the personal account number is indicated. If the account is a card account, then an additional requirement for crediting funds is the card number indicated on the front side.
Bank details
The last five positions in the above payment details plus the location address are the bank details. They are unique to each credit institution, and can be used both independently (if the transfer is made in favor of the bank), and in conjunction with the data of a specific account (for crediting funds to accounts opened with the bank). Knowing them, as well as the account number and the full name of the recipient, you can make wire transfers, payments and other payments.
When making a payment order, it is very important to do this very carefully. Otherwise, your money may simply fall into the wrong account, and it will be extremely difficult to fix the mistake.
We examined what the details of the individual entrepreneur, the company, the details of the account (payment) and the bank itself are. Now, when you need to make a money transfer or enter into other economic relations, you will know exactly what details are needed for this.