home » HoReCa » A current account with B&N Bank is the path to stability in business. Current account in Binbank (“Otkritie”) for individual entrepreneurs and LLCs Name of service package

A current account with B&N Bank is the path to stability in business. Current account in Binbank (“Otkritie”) for individual entrepreneurs and LLCs Name of service package

To open a current account and use Otkrytie Bank's RKO, an individual entrepreneur needs to prepare a package of documents. Here is a short list of them:

account servicing agreement, drawn up in 2 copies;
passport of a Russian citizen;
taxpayer registration certificate;
certificate of state registration as an individual entrepreneur;
USRIP record sheet;
card with samples of signature and seal.

To open an LLC current account you need:

charter;
passport of the company director;
application for opening an account;
order for the manager to take office;
card with a sample signature and seal;
extract from the Unified State Register of Legal Entities;
licenses.

When opening an LLC or individual entrepreneur account by a trustee, you must provide the representative’s passport and a power of attorney certified by a notary.

How to open a current account for individual entrepreneurs and LLCs

There are two ways to apply to open a current account at Otkritie Bank. The first is in person at a branch of a financial institution. The second is online through the bank’s official website.

Account reservation for LLCs and individual entrepreneurs occurs remotely by submitting an application. On the start page you need to click on the “Open account” button. In the window that appears, fill out a short form: company name, tax identification number, name and contact phone number. After reviewing your request, a bank employee will contact you and invite you to sign documents. When registering, you select a tariff and deposit a small amount into your account to activate it.

Login to your personal account at Otkritie Bank

When concluding an agreement for cash settlement services at Otkritie Bank, you will be given an installation kit for connecting to Internet Banking for Business. You will need to complete the settings according to the instructions in the Rutoken software and the Internet Explorer browser.

Then independently generate the keys for the electronic signature, print them in 2 copies, certify them and take them to the bank for registration. In the future, login will be carried out using the Rutoken service and electronic signature.

If you successfully log in, you will be taken to your personal account for business at Otkritie Bank, where you can view the history of account transactions, receive notifications about incoming and outgoing accounts, create salary projects, and receive a corporate card statement.

Internet bank

Otkritie Bank’s personal account allows you to control your business 24 hours a day.

Installing a mobile application on your smartphone makes it possible to keep abreast of all the nuances and changes in the cash register regulations. Via the Internet, you can order an account statement for an LLC or individual entrepreneur, make a request to the bank, or chat with a specialist.

Corporate card

Corporate Visa Business cards from Otkritie Bank are a profitable payment instrument for both legal entities and individual entrepreneurs.

With its help, you can withdraw funds from the current account of LLCs and individual entrepreneurs, and then spend them at your discretion. It is allowed to issue several cards for company employees.

Internet acquiring

Connecting acquiring to cash settlement services at Otkritie Bank allows you to organize payments for goods, work and services online.

When you connect to the service, you receive:

high level of payment security;
favorable financial conditions;
managing operations in a mobile application;
24/7 technical support.

Online accounting

Individual entrepreneurs working under the simplified tax system 6% can connect online accounting functionality.

Thus, you get a personal accountant who will prepare quarterly and annual reports and calculate taxes.

LLC representatives can integrate their business into the My Business accounting service; they need to select a convenient payment format and pay for the connection.

Currency control

If the activities of LLCs and individual entrepreneurs require transactions in dollars or euros, then it is necessary to enable the currency control function. Conversion of funds occurs at a single rate - 0.5% of the amount. The fee for cash withdrawal in dollars is 2% of the amount.

Current account in Binbank for LLC and individual entrepreneur- a chance to get favorable rates, a wide range of services, guarantees of reliability and high speed of transactions.

Issuing loans to companies.
Attracting deposits from individuals.
Maintaining cash register management for individual entrepreneurs and LLCs.

In recent years, the financial institution has been involved in many acquisitions and mergers. Thus, in the summer of 2015, Binbank acquired more than 58% of the shares of MDM Bank, and in November these institutions merged. At the same time, the organization continues to operate under the name “Binbank”.

RKO for legal entities and individual entrepreneurs - convenient

Opening a current account in B&N Bank beneficial for clients. The financial institution offers ready-made packages of services, which allows you to get a full range of options while saving personal funds. One of the features is the ability to order only the options you are interested in, which guarantees real savings for individual entrepreneurs and LLCs.

Thanks to the “package” approach to the formation of cash settlement services, representatives of small and medium-sized businesses save up to 25-30% of the monthly cost of services.

How to get a profitable cash settlement?

To open a current account in B&N Bank, required :

Choose a suitable package or call a credit institution for assistance online.
Download the application form and enter the required information.
Attach the remaining documents (the full list is available on the official website).
Come to a branch of a credit institution.

Current account in B&N Bank: packages and their advantages

Today Binkbank offers the following service packages for LLCs and individual entrepreneurs :

"Basis":

Transfers to other banks - 10 pcs.
Cash withdrawal - no.

"Standard":

No limit on “internal” transactions.
Transfers to other banks - 20 pcs.
Cash withdrawal - 20,000 rubles.

No limit on transfers within the bank.
Transfers to other credit organizations - 20 pcs.
Cash withdrawal - 50,000 rub.
Transfer of checkbook - 1 pc.

"Trade":

Transfers to other banks - 15 pcs.
Cash withdrawal - no.
Handing over a checkbook - no.

"Strategy":

There are no restrictions on intrabank transactions.
Transfers to other financial institutions - up to 500 pcs.
Cash withdrawal - up to a million rubles.
Transfer of checkbook - 1 pc.
Possibility of independent choice of services.

Advantages of packages for a current account at B&N Bank :

A complete set of the most important services in each package.
Free connection and maintenance of cash register services. “Zero” payment for online banking.
Fixed payment.
Ability to control expenses for cash and cash services.
Savings when making an advance - up to 10%.
The ability to personally choose options (in the “Strategy” plan).
Availability for legal entities and individual entrepreneurs.
Free reservation of account.

In case of reserving an account, it is worth considering the following :

Reservation period is up to 30 days. During this period, it is mandatory to open a current account with B&N Bank.
Before official registration, the account number is for informational purposes only.
When money is credited to such an account, it is held in a temporary account for five days, credited after opening the account or returned to the sender.
If you do not transfer the papers within a month, the reserved account of the individual entrepreneur or LLC will be cancelled.

Current account in B&N Bank- a profitable start for many companies. The only difficulty is to decide on a suitable tariff.

Binbank is considered a large private bank that provides services to both legal entities and individuals. The main direction of the bank is lending to financial organizations. You can familiarize yourself with B&N Bank’s specially developed wide range of tariffs for legal entities below. Find out more about cash settlement packages and methods of opening an account.

Cash settlement packages for legal entities

Expand the possibilities of your business with cash settlement services from Binbank.

The cash settlement package helps improve expense management and provide no-payment options to clients who have opened a current account with B&N Bank.

Current offers:

Basis.
Standard.
Progress.
Trade.
Strategy.

Legal entities, having decided on the cash settlement package provided by B&N Bank, receive a set of services that are necessary to conduct certain types of business.

Advantages

Using B&N Bank’s services online, a legal entity receives the following benefits:

availability of a fixed service fee;
the ability to manage banking products and transactions from your personal account;
The first 50 transactions and crediting up to 1 million rubles are considered completely free;
the presence of special promotions provided for individual entrepreneurs and LLCs, for example, “Easy Account” (free opening, certification of papers, key to electronic signature);
cooperation with partner banks on favorable terms;
the presence of a flexible tariff system, which depends on the territory where the business is located (accounting and analysis of profits in a certain subject of the Russian Federation).

When choosing the “Strategy” package, clients will be able to independently select the most suitable services for them.

Today, individual entrepreneurs and LLCs who are B&N Bank clients have the opportunity to open an account without spending a penny, provided they purchase the EVOTOR online cash register, which has a fiscal medium. An annual service will bring free three months of use of the “My Business” online service.

Services in the package

Select the RKO package to suit your needs.

Opening a current account for individual entrepreneurs and LLCs is accompanied by choosing the most suitable package. To obtain up-to-date information, legal entities are recommended to install the Falcon service.

Connecting the package

To activate the cash settlement package, you must enter into an agreement on comprehensive services for legal entities and individual entrepreneurs.

Connection sequence:

Selecting a suitable package after analyzing all the tariffs and conditions presented by the bank.
Filling out the downloaded application form, which indicates the desire to connect to the selected package.
Attachment to the completed application of the necessary documents.
You can fill out an application for connection at a bank branch.

To connect to a certain package, an LLC or individual entrepreneur must open a current account and sign a service agreement. The documents provided by the client are identical to the papers required when opening a current account.

How to open a current account?

Open an account completely free!

Binbank offers legal entities to open a current account online. This operation will take several minutes, after which the businessman will have an informational current account number in his hands, that is, performing transactions on it will be inaccessible.

To open a current account with B&N Bank, individual entrepreneurs and LLCs must follow the following procedure:

Go to the official website of the financial institution.
Click on the “Business” tab.
Click on “Cash and settlement services”.
Scroll the page, find the “Proceed to account reservation” button and click on it.
Fill out the form and click “Submit”.

When filling out an application for opening an account for LLCs and legal entities, please indicate your full name, name of the organization, tax identification number, current telephone number and other information.

Required documents

To open a current account, legal entities must provide the following documents to B&N Bank:

constituent papers;
data on the organization (bank form);
financial reports;
recommendations received from a business partner, credit institution;
a paper certifying the absence of debts to the tax authority;
samples of signatures and seals;
information obtained through extracts from the Unified State Register of Legal Entities.

The above documents are considered mandatory to be provided along with a completed application for connecting to the RKO package.

Cash settlement tariffs for legal entities

How to find an individual tariff for cash settlement services from B&N Bank:

Go to the tariffs page for individual entrepreneurs and LLCs.
Select a subject of the Russian Federation from one of the proposed lists.
Get acquainted with the text version of the tariff plan for cash settlement services from Binbank.
A legal entity will be able to print or download the selected tariff plan.

Optimize your business expenses with cash settlement tariffs from Binbank.

All current RKO tariffs, based on the territory of location, can be viewed on the page of the official website of B&N Bank.

The tariff for customer service for individual entrepreneurs and LLCs can be found by calling the hotline at 8 800 555 81 18. Upon request of a legal entity, the necessary tariffs will be sent to the specified email address.

Online cash register from Binbank

According to current legislation, from June 1, 2017, each cash register is required to have a fiscal medium and at the same time send electronic checks to the Federal Tax Service online. B&N Bank's Internet banking allows legal entities to submit an application to connect to an online cash register.

Who needs it?

Online cash registers are required for almost all LLCs and individual entrepreneurs. Deviations from the rules are provided in the following cases:

lack of Internet (official inclusion of the area in the register of hard-to-reach areas);
no need to use cash register equipment.

How to connect?

Options for connecting an online cash register:

Leave a request on the bank's page.
Call the hotline.
Contact the organization's office.

You can fill out a form to connect to the legal entity service by logging into your personal Internet banking account.

Technical support

Video: How to choose a bank to open a current account.

Using a cashless payment method at the checkout is an additional way to quickly and inexpensively increase customer loyalty to your business. Our company offers to install “EXCELLENT NON-CASH” complexes at competitive prices. It is very easy to order trade acquiring for an individual entrepreneur or another form of enterprise:

Call us for advice and selection of a set of equipment. A specialist will help you decide on the model of a bank terminal and tell you about the features of each model.
After you decide which payment terminal to buy, you will need to sign an acquiring agreement with one of the Russian banks. Binbank allows you to register without the client’s personal presence, as well as without the need to open a new current account. In addition, the financial institution operates throughout the Russian Federation.
Next, the service tariff is approved. For those who do not want to open a current account, there is a single level of trade concession - 1.8%. When opening an additional account with B&N Bank, the commission for all transactions is reduced to 1.5%. There are preferential conditions for opening settlement and cash services when connecting acquiring: 3 months free, reduced tariffs.

The registration process takes from 5 to 7 working days, after completion the necessary equipment is delivered to the client’s address. Network setup takes a few minutes. For the entire period of service in our company, the client is provided with 2 SIM cards for free use.

Any entrepreneur can apply for a service order, regardless of the level of turnover of his company. Our equipment works with all modern means of payment transfer: plastic cards, transactions via smartphone, as well as UnionPay. If you encounter problems with transfers, you can contact the bank’s 24-hour support service.

Request a call

You will receive a ready-made set of acquiring equipment from B&N Bank

Features of cash settlement services in BINBANK Bank

According to the legislation of the Russian Federation, all enterprises must keep their money in bank accounts, regardless of their form of ownership. In addition, outgoing and incoming transactions are always carried out by bank transfer. Cash settlement services from BINBANK are a reliable way to ensure the legal and efficient operational financial activities of an enterprise.

Services for legal entities

Enterprises and individuals independently choose the financial institution in which it is more convenient for them to open accounts. In BINBANK, settlement and cash services have a number of features and advantages for clients.

For enterprises, entrepreneurs and individuals, RKO includes:

Maintaining a current account.
Cash services (receiving funds at branches of a financial institution and transferring them to a current account).

BINBANK RKO is carried out only in some branches, the addresses of which are on the official website. To provide such services, it is important to have a cash desk for accepting cash and issuing it at the client’s request.

Any transactions within the cash settlement system are accompanied by cash orders and payment guarantees from account holders. Organizations whose work involves cash (for example, trading enterprises) can additionally connect acquiring or use revenue collection services from BINBANK.

RKO tariffs for individual entrepreneurs and organization within the chosen package significantly reduce the client’s costs for banking services. BINBANK also provides the ability to control costs and select the options required by the client.

How does RKO work in BINBANK:

Free account opening and maintenance.
Payments for services are made within the selected service package.
Access to the RBS system is provided to clients free of charge.
50 free transactions are available and funds can be credited to your account in the amount of up to 1 million rubles.

RKO for individuals

RKO is provided to all clients of BINBANK, both legal entities and individuals. Servicing individuals consists of maintaining a bank account or deposit, making transfers, payments, etc. BINBANK also allows you to send transfers not only within Russia, but also abroad. Within the framework of cash settlement services for individuals, any transactions with currency are provided at the current exchange rate.

Individuals can issue a power of attorney to conduct transactions with client accounts, for example:

Cash withdrawal;
Termination of an agreement;
Receiving account statements;
Transfer of funds from one client account to another.

Private clients can also issue testamentary dispositions, personal payments and payment orders. All operations are carried out in the branch where the client’s account or deposit was opened.

Tariffs for settlement and cash services

This financial institution has several convenient tariffs for servicing legal entities under the cash settlement system. They were developed for various categories of citizens, entrepreneurs and organizations. A company or entrepreneur can optimize their expenses by choosing only the necessary options. Currently, BINBANK has several tariff plans:

Basis;
Standard;
Progress;
Trade;
Strategy.

It is important to note that you can receive cash settlement services at BINBANK only after concluding a comprehensive banking service agreement.

To become a client of this financial institution, you need:

Open a current account.
Study the tariffs and choose the appropriate option.
Fill out the appropriate application for RKO.
Provide the necessary documents to the BINBANK branch (a complete list of documents is presented on the official website).

B&N Bank is an organization that for a long time has been engaged not only in issuing credit products and attracting deposits, but also in maintaining current accounts for individual entrepreneurs and LLCs. As practice shows, this is a very productive opportunity, which provides a wide range of services and guarantees of reliable management of financial matters. Therefore, many are interested in the question: is it possible to maintain a current account for an individual entrepreneur or LLC in B&N Bank? Under what conditions is this possible? Let's talk about this and much more in this article.

Let's sum it up

Is a current account for individual entrepreneurs and LLCs in B&N Bank beneficial?

At the present stage, Binbank offers its potential clients ready-made service packages that not only make life easier for many organizations, but also allow them to save some financial resources (especially in comparison with other banking organizations offering similar services).

It is also important to note the fact that the client chooses the options himself - only those that are really useful and interesting to him (this is additional savings).

The main advantages of opening a current account for an individual entrepreneur or LLC in B&N Bank include the following:

Possibility to open and operate cash register services free of charge.
Binbank sets a fixed price for its monthly service - there are no hidden fees.
The first 50 transactions (worth up to 1 million rubles) are provided as a gift.
A company or individual entrepreneur who has opened a current account with B&N Bank has the opportunity to use a wide range of options and services.
Possibility of reserving an account online or at a bank branch.

Thus, the positive aspects of the direction we are interested in are obvious: it is profitable, convenient, and meets modern requirements. Now it is necessary to highlight other issues that are often of interest to those who are thinking about using it or not.

Current tariffs for maintaining a current account

The banking institution offers various tariffs for cash settlement services for LLCs and individual entrepreneurs, which differ in the number of services in the package, namely:

Basis is the most necessary set of services for LLCs and individual entrepreneurs to start doing business;
Standard - for stable operating companies;
Strategy - for those who want to independently vary the set of options;
Trade - the package was created specifically for trading companies.

Please note that rates for the option packages listed above will vary by region.

List of documents required for registration

Now it is important to talk about what list of documents must be provided in order to obtain a current account for an individual entrepreneur or LLC in a given banking organization. The main documents include:

Completed application form.
The corresponding agreement in two copies.
Applicant's questionnaire.
Passport of a citizen of the Russian Federation.
OGRNIP, INN and extract from the Unified State Register of Individual Entrepreneurs or the Unified State Register of Legal Entities.
A card with samples of the applicant’s signature and seal, which can be certified by the bank.

Complete lists for LLCs and individual entrepreneurs will differ, and you can find them below:

List of documents for opening an individual entrepreneur account.docx

List of documents for opening an account for a non-resident LLC.doc

List of documents for opening an account for a resident LLC.doc

Is it possible to open a current account in B&N Bank online?

The best option for reserving a current account at B&N Bank is to use the official website of the banking organization. You can do this using the online form quickly and without queues.

It is worth noting that in this way an account will only be reserved for your company; for full access to it, you must provide documents to the bank.

Let's sum it up

Opening a current account for individual entrepreneurs and LLCs in B&N Bank will not be difficult. This advantageous offer is popular today, and many business owners and individual entrepreneurs choose this banking institution to conduct financial affairs. The large number of advantages that were given in this article indicate that a current account with B&N Bank is profitable and equipped with a large number of tools.

How to close an account in B&N Bank online - top4business.ru

Individual entrepreneurs and legal entities open a bank account to make non-cash payments, transfer salaries to employees and pay taxes.

An individual entrepreneur or company closes a current account when it transfers service to another bank or liquidates a business.

Sometimes the bank closes the account and informs the client about this in a registered letter. Reasons why a bank closes an account:

no account movements for two years,
the client did not pay for cash management services,
there is a court order
The bank suspects the client of money laundering or terrorist financing.

How to close an account at B&N Bank

To terminate the agreement for cash settlement services, clients go to a B&N Bank branch and submit an application to close the account. The client downloads the application form on the bank’s website or fills it out at the branch. You cannot close an account with B&N Bank online or by phone.

The entrepreneur submits the application in person, and an employee comes from the company, who has a power of attorney and the right to sign. The client brings his passport and checkbook, if available, to the bank.

You can apply for closure using a power of attorney. It is better to clarify details in advance at the bank branch.

Before submitting an application to close an account, the client pays off the debt for cash settlement services and resets the balance to zero. You can withdraw money by bank transfer or withdraw it in cash. For a non-cash transfer, the client indicates in the application for closure the details where the bank sends the balance.

Sometimes a client has several accounts at B&N Bank, for example, a ruble and a foreign currency account. You can close one and work on the second.

When a client closes a checkout service at B&N Bank in order to move to another bank, he informs clients and partners in advance of the new details. After the B&N Bank employee accepts the application for closure, the bank does not credit the receipts.

The bank itself notifies the Pension Fund and the tax office that the agreement is closed, so the client does not waste time traveling.

The bank will close the account five to seven days after submitting the application.

About the bank

Binbank has been operating since 1993. The main office is located in Moscow, there are 400 branches throughout Russia.

Binbank works with small, medium and large businesses and individuals.

The main shareholder of Binbank is the Central Bank of the Russian Federation. In March 2018, his share in the authorized capital of B&N Bank exceeded 99.9%.

How to close a deposit in BINBANK

When the time comes to close a deposit with BINBANK, the depositor is recommended to re-read the agreement about the features of the process and the rules for paying interest. If you apply early, the client loses part of the income.

Close a deposit - features of the procedure

To close a deposit, you need to go to a BINBANK branch. If you miss a date, an automatic extension occurs, which is provided for all programs under conditions similar to those signed earlier.

Almost all types of deposits in BINBANK provide for the payment of all accrued interest upon termination of the agreement. An exception is the Monthly Income deposit, if the depositor has chosen the method of transferring income to a separate account once a month.

Carefully study the terms of termination of your deposit program; as a rule, the interest rate for early closure is minimal

When the account is closed, the entire amount is paid in cash, taking into account accruals, or by wire transfer to another account of the client (to choose from).

If you contact on the prescribed date, the rates and conditions are maintained, as a result of which the client does not lose profit by closing the deposit.

Close a deposit in BINBANK ahead of schedule

Partial withdrawal of money placed on deposit or part of the profit is available only for the Magnificent Seven deposit (up to the amount of the required minimum balance); for others, such an opportunity is not provided.

Please note that if there is a need to close a deposit with BINBANK earlier than the end date, recalculation occurs at a rate of 0.001%. Interest already accrued and added to the balance (capitalization) cannot be recalculated.

Conclusion

It is necessary to close a deposit with BINBANK according to a strictly established procedure specified in the agreement. You must visit the branch on the day indicated therein so as not to lose the accrued profit. Otherwise, settlement occurs at the minimum rate. Separate deposit programs at BINBANK allow you to withdraw part of your savings or receive monthly transfers.

Information for investors

What documents are required to open a deposit?

To open a deposit, you must present an identification document to the Bank operator. Such documents are:

for citizens of the Russian Federation:
- Internal civil passport.
- Military ID and identity card issued by the command of military units and military institutions (for military personnel).
- Seafarer's passport (for residents working on Russian vessels traveling abroad or foreign vessels).
- General international passport (for performing transactions on an already opened deposit).
for citizens of other countries:
- National civil passport.
for stateless persons:
- Resident card.

Please note that if your passport data changes, you must notify the Bank about this by filling out a corresponding written application at the Bank branch where you have an open deposit. In this case, you must present to the Bank a certificate from the internal affairs agency confirming the exchange (issuance of a replacement for the lost) passport or show a note in the new passport about the data of the old passport. If you change your last name, first name or patronymic, you must also notify the Bank in advance (before the first transaction on the account since the changes occurred) of this fact and present the relevant document from the civil registry office (for example, a marriage certificate).

What is required to close a deposit?

Having decided to close a deposit in BINBANK, you need to:

Carefully study the text of the deposit agreement you signed. In particular, paying attention to the expiration date of the deposit specified in the agreement, the procedure for calculating interest and withdrawing cash, because these parameters may influence the decision on the need (expediency) to close the deposit.
When closing a deposit, you must first call the Bank branch where you have an open deposit (preferably the day before your intended visit to the Bank) and provide information about the date of your visit.
Contact the BINBANK branch where your deposit is serviced. In this case, you need to have a deposit agreement and an identity document with you.
If you close a deposit early, fill out a standard application form for closing a deposit at a branch of BINBANK.
Receive cash at the branch's cash desk, or arrange a transfer of funds to any of your accounts (deposits) opened with BINBANK or other commercial banks.

Automatic renewal

For your convenience, most deposits have an automatic extension mode, which eliminates the need for you to regularly visit Bank branches in order to re-register deposits for a new term. Thus, if on the day specified in the agreement you did not close the deposit, then its validity period will be automatically extended by the Bank itself and the interest rate applicable for this type of deposit at the time of extension will be set.

The only thing you need to do is to periodically check by phone with the consultants of the Unified Information Service or with the B&NBANK operator's current conditions for deposits. By adhering to this simple rule, you will be aware of the latest innovations and changes taking place in BINBANK, and, accordingly, will have the opportunity to quickly make decisions about the advisability of further storing your savings on a particular deposit.

Comprehensive banking service agreement

An integrated banking service agreement (IBC) is a new format for documentary interaction with Clients on banking products. This agreement is concluded once with one Client and is valid in all Bank offices. Comprehensive banking services make it possible to use a package of services and products of the Bank within the framework of one DKBO.

Having DKBO allows you to:

Simplify the procedure for processing documents while maintaining all guarantees for the Bank’s obligations;
Conclude a product agreement by signing product discovery applications;
Use the range of services and products of the Bank within one DKBO;
Reduce the time spent studying the terms of provision of banking products, because they are included in the DKBO Rules;
Remotely open deposits, accounts and manage services via online banking.

DKBO: Standard form of the Questionnaire-application for the conclusion of the DKBO Loans: Standard form of the Individual terms of the Consumer Credit Agreement Deposits: Standard form of the Agreement for opening a RKO deposit: Standard form of the Agreement for opening a current account Safe deposit boxes: Standard form of the Rental Agreement for a safe deposit box Application for amendments to client data

Dear Clients! We inform you about the entry into force of the provisions of the Federal Law of the Russian Federation of December 21, 2013 N 353-FZ “On consumer credit (loan)”

DKBO rules

Reviews about Binbank: “Fine when closing a legal entity’s account”

Opened a current account with B&N Bank in July 2017 as a legal entity. face. The organization is “live”, “white”, there is a staff, an office, “white” salaries, an office, we pay all taxes and considerable ones. After not even two weeks of work, a letter arrives from the bank to the client bank demanding certified copies of contracts with suppliers, customers, UPD, staffing, statements of account movements in another bank, a letter describing activities, etc., attention ! During the period of operation of the company since the beginning of 2017!!! Moreover, the manager from the bank explained that this is a standard procedure with each bank client in order to “get to know you better.”

Because The company’s document flow is rather large, I offered to bring them all the papers (I think it’s about more than 3 thousand sheets) to the bank’s office so that they could make copies themselves (the bank requested documents on paper or certified and scanned to the client bank), to which the bank condescended to that they were allowed to scan and send documents only for those transactions that went through their bank.

The accountants worked for two days on this task and all documents were provided to the bank through the client bank (the limit of one letter is 5MB, another subtle mockery).

A few days later, another letter arrived, with instructions to provide contracts with carriers and more documents for clients who paid into my account after the first letter. These documents were also provided to the bank in full and to the specified account.

A couple of days later my client bank stopped working and the manager told me over the phone that the bank had blocked my account under Federal Law 115, but the manager didn’t know why, because... this decision is made not by her, but by certain “managers from the head office.”

While the proceedings were ongoing with the bank due to the blocking of the account, I was offered to write an application for voluntary closure of the account, only in this case the money from my current account would be returned to me.

But, unfortunately for me, two clients, after I wrote an application to close the account, mistakenly, due to the carelessness of their accountants, made two payments to my account at B&N Bank.

In response to my request to return the money to counterparties as mistakenly paid to the account being closed, the bank manager told me that it would be returned, but with the deduction of a bank commission of 5% of the amount in the account. In this case, they refer to clause 10 of the bank’s tariff plan (the funds are returned with the imposition of a fine in the amount of 5% of the account balance, in case of violation by the client of the agreement concluded with him, in terms of non-fulfillment or improper execution of the Bank’s request for the provision of documents).

The manager for working with legal entities confirms that the documents required by the bank were provided on time and in full, and the manager of the bank branch also confirms this, but they cannot do anything, because this is “instruction from head office.” They cannot explain who exactly this instruction came from.

In this regard, a claim was drawn up and registered, No. 1-18945819307 dated August 28, 2017. The target period for consideration of the application is 20 days, but in some cases it can be increased. Those. The bank took the organization's money hostage, and now can safely use it for an unlimited amount of time. I am incurring losses because... the money was taken out of circulation, no official or even written explanations were provided to me, everything was only in the words of the bank manager.

The situation is similar to the fact that the bank, referring to the “rubber” 115FZ, and only in words, specifically blocks client accounts in order to earn money from a 5% fine, completely unreasonably, or to take advantage of the client’s money while the proceedings are ongoing.

I plan to sue the bank because of the lawlessness occurring in it and for compensation for the use of other people’s money and for lost profits due to the blocking of money in the current account, without any grounds.

In general, a terrible bank that cheats its customers. And, yes, opening an account cost 8,000 rubles, the account did not work for even a month, and they also charged money for servicing the account for the next month. In general, my recommendations are not to set foot in this bank...

Short

Accepting cards is your competitive advantage, which helps increase the average check and reduce costs.
It is not necessary to open a current account and acquiring account in the same bank, but this may be more profitable and convenient.
Ask a consultant and read the contract before signing: what are the turnover requirements, how much money goes to the current account, what additional payments and penalties are there for a decrease in turnover.
If the bank leases the terminal, find out what to do in case of a breakdown and how long it will take to replace the terminal. All other things being equal, it is more profitable to buy a terminal. I’ll tell you why in the next article.

Terminal for accepting non-cash payments “All cards are yours”

We present to you a new product “Dreamkas” - an acquiring kit. Without turnover requirements and with a fixed percentage - 1.8%. Pre-order is now open:

Viki Micro system unit
Online CCP Viki Print 57 F
PAX SP 30 terminal
Acquiring agreement

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From RUB 47,190

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What is compliance control

Banks have a special division, which is called by the ancient Russian word “compliance”. These are serious guys and they don’t like jokes. They have a great responsibility to protect respectable bank clients from unwanted proximity to persons involved in money laundering. If something incomprehensible happens to your current account, first of all, compliance control will be interested.

Banks are not doing this out of malice. On the contrary, they are trying to protect themselves and their clients from suspicion on the part of the Central Bank. You and I know very well what this suspicion leads to.

There is a simple and important rule that will help you avoid unnecessary interest from compliance: do not try to hide something - sooner or later you will be found out.

Opening an account

Bank clients complain about the long account opening procedure - it can last several days. Try to understand and forgive - the bank just wants to make sure of the purity of your thoughts in order to protect itself and its clients. Including you. If you were able to become a bank client, your company was considered reliable and solvent.

The law is on the side of the bank: the client can be refused to open a current account, cancel any transaction, or unilaterally terminate service at the first suspicion. However, it is not profitable for banks to simply abandon clients.

When opening an account, the bank looks especially carefully at the registration address, checks the directors, beneficiaries and business reputation of the company.

Mass registration address

One of the most standard verification procedures. If the tax office turned a blind eye to the mass registration address, this does not mean that the bank will do the same. According to the documents, 54 legal entities are sitting in one room of 18 square meters - this often happens when you buy an address at the office for registering legal entities. The bank is unlikely to like this.

If your business is registered in a destroyed barn, this can be easily seen in photographs on Yandex and Google maps. The registration address at the place of residence of the founder may also seem suspicious to the bank. If your company’s office is located in a large business center, you are unlikely to be suspected of anything. The bank will understand everything and will not find fault.

Information about places of mass registration can be obtained in just a couple of clicks, using any state register search service (Unified State Register of Legal Entities and Unified State Register of Individual Entrepreneurs). For example, this one.

Of course, the mere presence of a business in the list of mass registration addresses does not mean anything. Compliance makes conclusions based on a combination of factors. So if the only dark place in your business is the registration address, there is no need to be afraid.

Nominee Director

The CEO owns fifteen companies at the same time, yet he does not look very neat, communicates with monosyllabic curses and emits an unpleasant aroma of yesterday's fun. It can be assumed that this director is a nominee. Information on nominee directors is also revealed in a couple of clicks in the same state register.

Remember, a nominee director can cause damage not only to the bank’s reputation, but also to your business. There are a lot of stories about how a nominee director transferred company money to another account without the knowledge of the business owner. Anything can happen in business. If you have to work with denomination, be extremely careful.

Beneficial Ownership Information

Beneficiaries are special people who directly or indirectly own the company or have significant influence on business decisions. Often an entrepreneur does not want to reveal the beneficial owners (sometimes he keeps trade secrets, and sometimes the beneficiaries themselves do not want to be exposed again), although in accordance with the law he is obliged to do this. And in accordance with the same law, the bank may refuse to open an account in response to a refusal to provide information.

Information about business reputation, financial stability and purposes of opening a current account

If the previous paragraphs were quite clear and understandable, then this paragraph is similar to a free-form essay. True, you don’t need to write anything here - just provide the bank with reviews from your counterparties (if you have them, of course) or a reference from another credit institution that you previously served with. If your business has just started, then they may not ask you anything. In any case, the main thing is to be completely honest.

Working with a current account

Cash transactions

Nowadays you can pay with a card almost everywhere, so cash is rapidly disappearing into the background (of course, if you are running a white business). For legal entities, each bank sets its own limit on cash withdrawals, but usually recommends withdrawing no more than 100 thousand rubles per month. However, even if you withdraw exactly 100 thousand, this does not mean that you will not attract the attention of the bank. A complete picture is formed only from the totality of your actions.

If a company whose activities are not related to cash circulation constantly withdraws cash or deposits it into the account, this is an alarm bell for compliance control. It’s another matter if people from the collection service come to you. This is no longer considered a cash deposit - money from the cash register is directly credited to the current account.

Employees should be paid through a salary project - almost all banks have such services. An alternative is to turn all employees into individual entrepreneurs and pay them under a contract (you can also save on taxes at the same time).

If you give loans to your own company from personal funds, try to do it by bank transfers rather than by depositing or withdrawing cash. This way the bank will be calmer.

Remember: the classic cash-out scheme “LLC transfers money to the individual entrepreneur, and the individual entrepreneur withdraws it from his personal account” has long been known to all banks. We do not encourage you to come up with new schemes - it is better to completely abandon cashing out.

Payments

A few examples of payments that may raise suspicion in compliance:

When opening a current account, the entrepreneur said that he would deliver water, but the transactions show that he sells crushed stone.
The payment purpose says something very general, like “payment under agreement N2” - you shouldn’t do that. Try to write the exact purpose of the transfer, and the bank will have fewer questions.
A payment to the account of a “specialized recruitment company” in the amount of 5 million rubles with your monthly income of 500 thousand may also raise suspicions.

There is Federal Law N115, according to which all payments over 600 thousand rubles fall under the mandatory control of the bank. If you read the law to cover, it becomes clear that not all types of payments fall under this control. But some entrepreneurs are afraid of the number 600 like hell, and make payments of 599 thousand or break a large amount into several small ones. This is also not necessary - the bank’s control systems will notice everything and think that you are trying to bypass them, which means you are definitely hiding something.

Therefore, if you need to pay more than 600 thousand, just pay, do not try to come up with new schemes. Nothing bad will happen if the operation actually does not violate anything - the bank will check and calm down.

Paying taxes

Another reason for suspicion: the account turnover is large, but disproportionately few taxes have been paid or not paid at all. The type and amount of taxes shows what kind of business the entrepreneur is engaged in, and whether this coincides with the picture described when opening the account. If the amount of taxes is at least 3% of turnover, the bank most likely will not have any questions.

There is a misconception that the bank will report every non-payment to the tax office. Actually this is not true. If only because taxes can be paid from an account in another bank.

Powers of attorney for executives

If instead of the general director or chief accountant, people constantly come to the bank with a power of attorney, and even different ones all the time, compliance begins to get nervous. And when compliance gets nervous, it begins to take a closer look at the organization's activities and wants to learn more about the third parties that are involved in the client's business. Simple advice: don't overuse

After account closure

There is a special category of entrepreneurs who register a legal entity, work for a year, and do not pay taxes. The tax office contacts the bank and blocks the account. A man in desperation abandons his old LLC and starts a business from scratch. And when he comes to the bank to open an account for a new legal entity, the bank immediately remembers the unpleasant story and refuses service.

Think about the future! Take care of your banking reputation from a young age.

How to be

Competent compliance never makes a verdict based on one suspicious factor. If you work in white, but a couple of the listed points still caused your pulse to increase, don’t worry. Everything will be fine.

A compliance officer is a good psychologist and intelligence officer who always sees a little more than others. There is so much information in open sources that you can learn a lot about a business even without your participation.

The guys who are professionally involved in money laundering and make a lot of money from it know how to fend off compliance issues. They have polished plans and every step is covered by an official document. You can become skilled in this difficult craft, but it will take a lot of time and, most likely, the consequences will be sad. Better do what you love

Thank you for heroically reading such a long post. Leave questions, ideas and suggestions on topics in the comments so that we can make our blog even more useful.

Since we're talking about banks, let's shamelessly take advantage of the situation. On March 2, we launched a joint project with Alfa-Bank. Now Knopka clients can manage their current account in Alpha through our application. Our business assistant will help you resolve any banking issues without calling the call center, and at the same time will make sure that compliance has no unnecessary reasons to check your transactions.

If you don’t yet have an account with Alpha, we will help you open one remotely or by connecting to the Button. We’ll probably end here, especially since all the details can be read in a recent post.

We announce all articles on Telegram. You will also find news, tips and life hacks for entrepreneurs there. Join us

List of documents for opening a current account for

The opening procedure is simplified as much as possible. The individual entrepreneur is required to:

business permits (After registration as an individual entrepreneur);
extract on registration with Rosstat;
USRIP extract.

photocopies of founders’ documents;
order of appointment to a leadership position;
sample signatures;
photocopy of passports of LLC persons;
extract from the Unified State Register of Legal Entities (Procedure for opening a legal entity).

Also, for individual entrepreneurs and LLCs, you must equally provide:

statement;
a completed information form;
passport (for the one who comes to the department)

Sometimes the list of certificates may be expanded at the request of the inspection organization. Often they additionally ask for evidence of the absence of debts or a review from one of the business partners.

Why open a PC and is it possible without it?

In practice, it is more convenient to conduct business through a banking institution. They charge a fee, but at the same time provide convenient functionality for reports to the Federal Tax Service, Pension Fund and Social Insurance Fund. You receive an extract and take it to the inspectorate, no complications or hassles.

According to the law, if the amount of contracts with counterparties exceeds 100 thousand rubles, then it is mandatory to enter into cooperation with a bank.

RS provides the following advantages:

Possibility of acquiring.
Removal of restrictions on cash payments.
Transfer of non-cash salaries.
Integration with 1C accounting, etc.
Possibility of self-collection.
Additional service.

Integration with accounting and acceptance of acquiring is especially relevant. These two components increase profitability and simplify reporting to the Federal Tax Service, Pension Fund, and Social Insurance Fund. Fewer hassles during inspection checks.

Where to open a current account for individual entrepreneurs and LLCs: free accounts in banks

comparison table

The RS does not exist for absolutely nothing. But “Tochka” offers 2 months of trial + 3 as a gift upon payment. We recommend taking a closer look if you have very little money in business to start.

To determine where a current account for an individual entrepreneur is more profitable, compare the characteristics of competitors in the table. (Images are clickable).

Abbreviations:

ind. - individually;
n/a - no data;
5-1 -
from 0.5% to 1%

inclusive;
External payment becomes paid after the free limit expires.

If you study all the reviews in more detail, the main indignation of customers are:

unexpected commissions;
rudeness of employees for no reason;
queues;
misinformation;
human factor (incorrect completion of documents).

In practice, out of millions of customers, only 100 of them encounter problems, often associated with their own inattention. As for rudeness, employees won’t just be rude. If this happens, write a complaint to the main office, they will quickly sort it out.

How and where is it more profitable to open a current account:

expert advice + example

Based on the material described above, we can conclude where it is more profitable. In general, based on what has been studied, we can come to the following decisions.

Sberbank, VTB	Reliable. Convenient cash withdrawal.
FC Otkritie, Tochka	up to 5 months as a gift + flexible rates. But it's hard to cash out. Accumulation of up to 8% on the balance.
Alfa Bank	Priority for a wide range of partners + discounts for the purchase of a cash register and terminal.
Avangard, Raiffeisen	Many positive reviews, attractive conditions. But there are no interesting offers or discounts.
Tinkoff	Lots of ideas, promotion on an advertising account, no turnover - no payment. But many complain about large commissions + unexpected terms of transactions.
Renaissance	Poor service, old technology. But there is a free plan.
Binbank	0r per RS when purchasing a cash register, quite a popular choice in cities.

If you want to save money - Tinkoff, Tochka, Otkritie. But be careful, low interest rates are additional terms of the contract.

Do you prefer stability - VTB, Sberbank, Alfa. But you will have to pay for reliability with high commissions.

Don’t be fooled by advertising and read contracts in detail

Somewhere for a free month you have to pay an annual tariff, sometimes there are not obvious deductions. Be careful before signing documents.

Don't trust just reviews

Unfortunately, you can find many negative reviews on the Internet for any of the competitors described above. Most of them are related to the incorrect behavior of the applicant himself: he did not read the contract, did not look at the notice in time, etc.

A general trend can be found in negative reviews. They complain about account blocking - look into the reason for blocking. Unexpected interest - did not read the details of the cooperation. Many clients themselves do not fulfill the obligations they signed up for, and then blame others.

Find out where the nearest branch is

There is no point in opening a personal account in a financial institution if it is located far from the place of business. In small towns, it is better to give preference to the nearest branch - it will be easier to deal with unforeseen situations.

Current account and cash management services

These two concepts are close to each other. An account is an account to which the company’s income is transferred and from which employees’ salaries are transferred.

Maintenance are services that allow you to manage your account more efficiently. It involves integration with accounting, detailed reporting, package offers, etc.

In most financial institutions, together with the RS, a service for it is opened. Therefore, there is almost no difference between these terms; it is one common complex.

Conclusion + Video

We hope that after reading you will be able to finally decide in which bank to open a current account for an individual entrepreneur or LLC. If doubts still remain, we will add that according to statistics, Sberbank is the most common solution.

Conditions

The uniqueness of the Piggy Bank at Binbank is that it harmoniously combines three functions of one open account - current, deposit and settlement. And, despite the fact that Piggy Bank is not a current account, nevertheless, it provides such functions.

This is done so that settlement transactions can be carried out without hindrance. In a word, the capabilities of the Binbank Piggy Bank can be outlined as follows:

You can top up your account for storage purposes.
Part of the funds can always be kept in your account for withdrawal.
You can carry out debit transactions, including cash withdrawals.
There is capitalization.
It’s easy to top up your account not only through the bank’s cash desk, but also through other options.
Have full access to money management through Internet banking on the B&N Bank website.

Opening a Piggy Bank in B&N Bank is only allowed in the national currency - Russian rubles. Therefore, for everyone who wants to keep bank deposits in foreign currency, it is best to apply to other programs with this request.

The interest rate is fixed. The general conditions of the “Piggy Bank” deposit can be presented in the following combined table.

Conditions for placing the “Kopilka” deposit in B&N Bank:

Additional conditions for the “Kiggy Bank” deposit in B&N Bank:

Interest is paid in the form of adding it to the amount of the deposit itself, or rather to its account balance.
Interest is calculated on the last day of each month.
Interest already paid is not recalculated and is not refundable.
In case of early termination of the agreement, interest will be recalculated at the following rate - 0.001%. All of them will be paid into the Piggy Bank account.

There are no restrictions on the choice of time when to withdraw or top up your account with money.

You can manage your account at any time, and no interest is lost, but continues to accrue on the balance of the account. However, the amount of 250 rubles must always remain in the account.

Opening a Piggy Bank account at B&N Bank can take place both at the bank’s office and through the website. However, you should know that through the company’s website you can only complete the application itself, and not the entire transaction.

To conclude an agreement and provide the necessary papers, you will still need to come to the office of one or another division of B&N Bank.

An application for opening an account for the “Kopilka” deposit in B&N Bank can be completed in the following way:

At the bank office, draw up a comprehensive service agreement, where you are given a password and login to enter your personal account. Or you can come up with a username and password yourself.
You need to go to the bank’s website, log in - enter your password and login in the appropriate fields when logging into your online bank.
In your personal account, you can simply select the “Cards and Accounts” category.
After this, click the “Open current account” button.
As soon as the window opens, “Current Piggy Bank” is immediately selected in it. There you also need to select the currency - “RUB” and check the box that you agree with the terms of the program.
Next, click the “Open account” button.

After you receive a code on your phone, you enter it into the appropriate field provided on the application page on the website.

The password will be six digits. After entering, click the “Confirm” button. As a result, you will then need to top up your account and use it under the terms of the agreement.

When registering in the office, you simply fill out a paper application form, and then study the agreement on opening a deposit savings account and sign it. And after signing the agreement, already deposit the amount through the bank cash desk.

Reading time: 8 minutes. Views 64 Published 04/18/2018

Opening a current account with Binbank for representatives of small, medium and large businesses allows you to register an account online, receive a ready-made package of services and carry out above-limit transactions for free. Since March 3, 2018, “Unified collections” of tariffs, grouped by city, have been in effect. A one-time fee for opening, copying and certification of constituent documents by a credit institution, certification of cards with sample signatures is paid separately. Connecting to a mobile bank is free of charge.

Advantages of cash settlement packages for small and medium-sized businesses

The benefits of a current account at B&N Bank are achieved:

Fixed package payment: monthly, quarterly, annually. Clients independently control expenses, avoiding unnecessary expenses.
Additional discounts when making an advance payment: for a trimester - 3.5%, for six months - 7%, a year - 10%. When making a single payment for annual service at B&N Bank, users receive 3 months of online accounting “My Business” as a gift.
The ability to independently choose a set of services in the “Strategy” package.
Many partners, including UniCredit Bank, Raiffeisenbank, Alfa-Bank, Gazprombank, Russian Standard. The Interbank Union gives customers the advantage of commission-free cash withdrawals.
Instant reservation of an account number before submitting documents to the bank. The service is provided free of charge.
RKO for companies, paying taxes in the USA.
Special current account for the owners to form a capital repair fund.

Cash settlement packages for small and medium businesses

Ready-made packages of cash settlement services allow representatives of small and medium-sized businesses to save 25-30% of the monthly cost of banking services. The monthly fee is fixed. Clients independently choose options, optimizing costs and receiving free service.

	Number of transfers	Cash deposit, rub./month.	Cash withdrawal, rub./month.	Cost of over-limit transactions
	Number of transfers	Cash deposit, rub./month.	Cash withdrawal, rub./month.	Translations	Top up your account	Receiving cash
Basis	10	-	-
Standard	20	100000	20000
Progress		150000	50000
Trade		1000000	-
Strategy	-	-	-

Services in packages

Before opening a current account for an individual entrepreneur, Binbank recommends checking the cost of settlement services for 2018: use the functionality, open the section "RKO Tariffs", select a region, explore offers online or download a single collection file.

If you have any questions, ask the technical support staff to send a file with the current terms of service by email. Specialists will ask clarifying questions about the business (name, region), and inform you about current promotions and tariffs.

For example, Entrepreneurs in Moscow and St. Petersburg are offered the following tariff conditions:

Options	Basis	Standard	Progress	Trade	Strategy
Monthly maintenance of current account, rub./month.
	1700	2400	3600	400
Connecting online banking
EDS registration	One-time
Transfers for orders created in Internet banking
To Binbank accounts	No limit
Transfers to other credit organizations	10	20	50	15	5-500
Reception and recalculation of cash for crediting to Clients' accounts, rub.	-	100000	150000	1000000
Cash withdrawal	-	20000	50000	—	1000000
SMS notifications for transactions
Provision of a checkbook, pcs.	-	1	1	-	-
Special offers
Benefits when making an advance payment for 3 months	0,05	0,05	0,05	0,05	0,05
Discounts for prepayment for 6 months	0,07	0,07	0,07	0,07
Discounts for prepayment for 12 months	0,1	0,1	0,1	0,1

It is important to know! When you sign up for a package of cash settlement services, opening and maintaining an account is free of charge.

Reserving a current account online for small businesses

Reserving an account allows you to receive details without waiting for the documentation verification by employees of the credit institution Binbank. The convenient functionality of the site () will help you open a current account for LLCs receiving annual income of less than 900 million rubles. Open section "Settlement and cash services", follow the link “Account reservation online.”

Leave a request for RKO with a note “Please reserve an account number”. The system will prompt you to indicate the company details: full name of the owner, name of the organization, city, Taxpayer Identification Number, email, telephone. Click the button "Send".

After 2 hours, the manager will inform you of the account number reserved for the month. During the specified period, transactions on the account are not available (including the transfer of funds). Received money will remain in the accounts of undisclosed amounts for 5 working days. If the client does not prepare documents for official account registration, the money will be returned to the senders. After a month the reservation will be canceled.

Opening a bank account

Binbank offers individual entrepreneurs and legal entities a fixed range of services within the framework of cash settlement services. To sign the agreement you will need:

Select the RKO package, study the tariffs and conditions.
Download and fill out the application form according to the bank's form.
Attach the required package of documents to the application.
Contact the employees of the financial company branch and go through a simple account registration.

The process of registering cash settlement will take a minimum of time (30–40 minutes). Call or write to B&N Bank specialists if you need help with paperwork.

Opening a Binbank account at the MFC

Thanks to B&N Bank’s cooperation with the multifunctional center, private entrepreneurs and legal entities have the opportunity to open a current account through the MFC website () or an offline branch.

When contacting the MFC branch directly, you will need to use the terminal to receive an appointment coupon, go to the window (workplace of the center employee), get advice and reserve a bank account number. Then wait for the bank manager to call to activate the account, and bring the documents to the company office within 30 days. The process of reserving an account is free and allows you to take advantage of special promotions and benefits from partners of the financial institution. The service is available in Astrakhan, Novgorod, Bashkortostan, Voronezh, Kursk.

Conditions for large business

For companies with a turnover of more than 900 million rubles/year, Binbank offers the following conditions for settlement and cash services:

Prompt receipt and sending of payments in the Russian Federation and foreign countries.
Daily overdraft (temporary loan without interest).
Replenishment and withdrawal of cash by prior agreement, without it.
Purchase/sale of foreign currency at the Moscow Exchange exchange rate.
Assistance in obtaining passports for foreign economic transactions.
Carrying out secure payments through a letter of credit.
Account management through online banking iBank2.
Use of collection services.
Providing manager services (selection of the optimal payment scheme, monitoring the execution of payments, interaction with B&N Bank specialists involved in lending and bills of exchange).
Compliance with deadlines for joint projects with the bank.

Note! Servicing cash settlement services at Binbank takes place without delays, on a “day-to-day” basis. For this purpose, liquid assets are stored in a correspondent account with the Central Bank of the Russian Federation.

Tariffs for large businesses

Standard cost of services for account servicing and other operations:

Services	Commission, rub.
Opening an account in rubles
Opening an account in foreign currency	2000
Account management
Payment order (payment order)	26
Cash deposit from 0.3%
EDS registration	200
One-time provision of a checkbook
Verification of documentation with originals, certification	30 rub./sheet, minimum 200 rub.
Checking the seal impression
Cash withdrawal	0.8%, minimum 200 rub. (for salary)

Conditions in branches may differ from the information provided.

Special account for creating a capital repair fund

According to 271-FZ dated December 25, 2012 “On Amendments to the Housing Code of the Russian Federation,” financing of major repairs of multi-apartment premises (MKD) is carried out using a special account. The basis for opening a special account is the decision of the owners to create a fund. The document indicates the owner of the account (homeowners associations, housing cooperatives, specialized consumer cooperatives, regional operators), the amount of contributions, a list of overhaul work, and the deadline for it.

The following are credited to a special account:

contributions for major repairs, penalties for late transfer of money;
interest accrued by the bank on the account balance;
money for other transactions, according to the Housing Code of the Russian Federation.

The attractiveness of forming a fund for major repairs is achieved by free registration and maintenance of an account, accrual of interest on the balance, and assistance in preparing documentation for opening an account. The minimum placement amount is not limited. Interest is credited to the account on the last day of VAT maintenance (minimum 31 days).

Preparation of documentation

For individual entrepreneurs

The documents that allow you to open an account with B&N Bank for an individual entrepreneur are as follows:

application according to the bank form, agreement, questionnaire;
state registration certificate;
cards with samples of signatures and seals, certified by a notary or an employee of B&N Bank;
permission, power of attorney for combinations of signatures of third parties;
passport of the owner of the individual entrepreneur, authorized representatives;
identity card of non-residents of the Russian Federation managing the account;
confirmation of place of residence (the individual entrepreneur provides a letter indicating the address, the notary/lawyer prepares a document indicating the place of business);
letters of recommendation from B&N Bank clients, reviews from other financial institutions;
reports (annual or quarterly) on accounting, tax obligations, audits, ratings on the Internet, published on the websites of independent rating companies.

Potential clients of B&N Bank will also need a document confirming the conduct of private practice:

for notaries - appointment to a position by the justice authorities of the Russian Federation, license;
for lawyers - a certificate of registration in the register of lawyers, establishment of an office;
for arbitration workers - a certificate of membership in the SRO.

When opening a second and subsequent accounts with B&N Bank, it is enough to fill out an application and sign a banking service agreement.

For legal entities

The package of papers for legal entities includes:

Application, questionnaire, agreement in the form of the bank.
Confirmation of state registration of the LLC.
Charter
Entry sheet in the Unified State Register of Legal Entities on changes in the constituent documentation.
Minutes of the meeting or the decision of the single founder on the formation of the company.
Order on the appointment of a sole manager.
Licenses to carry out business activities.
Cards with samples of signatures and seals.
Identification of persons listed on sample cards.
Certificate of ownership or lease agreement for real estate.
Recommendations from clients of BINBANK and other credit institutions serving the client.
Balance sheet, income statement.
Identity cards of beneficiaries, information from the Unified State Register of Legal Entities about the owners.
Migration card (for non-residents).
Information of beneficiaries under the insurance contract (questionnaires, TIN, tax reports).
Regulations on branches, registration with the Federal Tax Service.
Management company papers (confirmation of state registration, fulfillment of tax obligations).

Bank account information

Type