Urgent (quick) opening of a current account: the main methods and procedure for their implementation. Urgent (quick) opening of a current account: main methods and procedure for their implementation Quickly open an account for legal entities

In which bank to open a current account: why open current accounts + important criteria for selecting banks + TOP 5 banks for opening a current account for individual entrepreneurs + 5 best banks for LLCs.

Cashless payments are increasingly taking root in everyday business activities. Almost any organization will give preference to transferring money to an account rather than fiddling with cash.

The question of whether will arise on its own as soon as you want to start a business.

Today we will analyze the financial market and help you make the right choice.

Reasons to open a current account

The current account is account with the ability to record all financial transactions carried out by an individual or legal entity.

Today, banking systems allow you to open up to 10 records for 1 representative, depending on his field of activity and currency.

3 good reasons to open a current account:

1. For timely payment of taxes to the state treasury.

   If an individual entrepreneur can make do with a printed equivalent, then an LLC must carry out transactions through a cashless system.

2. Regardless of the type of business, payment for goods or services worth more than 100,000 rubles must be made by bank transfer.
3. Sales points always send the balance Money to a bank account. This speeds up the work process and cash flow of the organization.

The standard opening procedure may take 1-2 days. Document processing is carried out on site, and any issues that arise are resolved with a personal consultant.

Filling out the form takes no more than 30 minutes. You must attach scanned copies of documents. Printed copies of papers are sent after opening a current account.

Which bank is better to open a current account for an individual entrepreneur?

Small and medium-sized businesses work very hard with petty cash. And although a limit of ₽100,000 seems quite normal, without a current account you automatically impose restrictions on some large clients and suppliers.

The abundant number of banks prompted us to figure out which of them have the most favorable conditions for providing services of this kind.

1) Criteria for selecting a current account for individual entrepreneurs.

Before choosing which bank to open an account in, we must decide on the most optimal requirements for our activities.

Private enterprise implies a large number of small transactions for settlement of goods.

You have to pay for supplies of raw materials and services through bank transfer.

The basis will be to search for a bank that offers the most favorable conditions for crediting funds to a current account.

The most important conditions for selecting a bank for individual entrepreneurs:

The bank is a member of the investment insurance system.

In 2014, a bill was passed that specified the comparison individuals with IP.

If the bank loses its license, it will be obliged to pay the entrepreneur 1,300,000 rubles.

Abundance of tariff plans.

The phone application is available for IOS and Android users. The time for making payments is no later than 21:00 Moscow time.

2. UBRD.




On the market for more than 10 years.

To open an account, you will need to visit the bank with documents, the list of which should be obtained in advance from a representative.

One of the largest and financially stable banks Russian Federation. In 2016, it took 1st place in terms of money turnover in the west of the country.

The online support system for individual entrepreneurs, as well as small and medium-sized businesses, is constantly in the top three.

Service packages include a large number of free add-ons: business insurance, property insurance, protection against work-related injuries, and more.

Quarterly promotions for servicing a current account and reducing commissions for depositing/withdrawing funds.

The advantages of the Economy tariff for individual entrepreneurs include the free function of connecting and servicing Internet banking, as well as alerts by phone and email.

An individual can order a free business card and conduct transactions within the banking system without commission.

If your company sells at small points of sale, it is also possible to open terminals for free for non-cash payments for goods.

3. Alfa-Bank.




More than 25 years in the banking business and the presence of 14,000,000 clients speak a lot about the quality of Alfa-Bank’s services.

The bonus system allows you to open an individual entrepreneur account on favorable terms within 20 minutes.

If business partners have accounts in the same bank, you will have the opportunity to transfer payments up to 23:30 Moscow time.

The annual fee for the selected tariff is advantageous - there is a 25% discount on it.

Support for popular cloud services will allow you to store statements and reports on the financial transactions of your account with constant access from anywhere in the world.

Free SMS alert system to your phone and mailbox.

The StartUp tariff provides a full package of services with a cash withdrawal commission of 2.2%.

The first 30,000 ₽ can be deposited into the account without commission, then 0.23% will be charged. Similar prices for depositing funds and foreign currency accounts.

4. Tinkoff.




High-speed bank for individual entrepreneurs. Instant transfer of funds and access to transfers between accounts until 21:00 Moscow time.

You can open an account online within 30 minutes. To receive your details in person, you will need proof of identity.

A special feature is the built-in guidance system accounting. Automatic payment transactions at the time you specify and with the required frequency.

Ideal for paying taxes.

1. Criteria for selecting a current account for an LLC.

For a limited liability company there is one important point: if individual entrepreneurs can hope for compensation if the bank loses their license, then LLCs are in 3rd place in the queue for payments.

It is logical to assume that, most likely, your organization will not receive any compensation at all.

Consequently, the main indicator is the stability of the bank in financial terms.

The most important bank conditions for an LLC:

1. System assets.

   The total amount of funds of the institution itself and its loan obligations.

   The higher the indicator, the more stable the bank feels in the market.

   Criterion for the creditworthiness of the banking system.

   It consists of a set of opportunities for issuing loans under various conditions and interest rates.

   A positive or negative forecast is shown by a sign in front of the letter: A+, B- and so on.

   Availability of a wide customer base.

   The more large organizations invest in a bank, the higher its stability and solvency.

You can assess the financial condition of the bank yourself. Financial institutions are required to post quarterly reports on their activities and cash flow on the Central Bank website.

It is difficult for a beginner to understand this, so if possible, it is better to seek help from a specialist.

2. TOP 5 banks where it is profitable to open an LLC current account.

Based on the criteria described above, we have selected the best 5 banks in the country where your investments will feel safe.

Financial indicators change quickly, so detailed information should be periodically monitored on the page of the Central Bank of the Russian Federation.

1. Promsvyazbank.



It has been on the market for more than 20 years and is in the TOP-3 among private banks in Russia.

Assets amount to more than 1.2 trillion rubles. A systemically important institution in the Russian Federation, which has secured the support of the Central Bank, which makes it a very stable resource for storing funds.

Among the bank's services are work in the financial market and insurance of production risks on favorable terms specifically for LLCs.

There are 2 types of tariffs: for medium and large businesses.

Promotions are held monthly to open accounts at minimal rates or with zero user fees for 6 to 12 months.

Deposits of 4 types will help you store and grow capital on the most favorable terms for you.

Business development and support funds are always ready to help in difficult times and restore LLC activities with minimal losses.

The Business Start tariff will allow you to simultaneously open a free account in foreign currency.

Internet banking service is paid, but the tariffs are the lowest among analogues in the country. Banking day until 20:00.

It is possible to deposit up to 300,000 ₽ per month into your account without interest.

2. Raiffeisen BANK.




Since 1996, the bank has been operating in the Russian market and has established itself as one of the most stable.

The capital is stored in valuable shares and amounts to 37 billion rubles.

A special feature of the bank is daily analytical reports financial condition market of the country, which will help you stay in the right direction, and in some situations even adjust your business plan.

Analytics team Special attention pays attention to macroeconomic factors, which is very important for the activities of any LLC.

The bank will help you open one of 5 current accounts with additional services to choose from.

Maintenance ranges from 1,200 to 5,000 per month. SMS notifications and issuance of payment certificates are made on a paid basis.

The “Start” tariff package provides for a free daily analytical newsletter from the bank’s financial department for LLCs.

Withdrawal of funds will be accompanied by a commission of 2 - 5%. Issuance of payment certificates – 50 rubles.

There are applications on IOS and Android.

3. Trust.




One of the largest banks in the Russian Federation.

Average annual income is 4.6 billion rubles, and working capital are at the level of 260 billion.

In 2015, the Trust joined the financial group of private individuals in the country, which helped to gain an even better foothold in the market for providing financial services, including for LLCs.

The bank is famous for its high-quality service in the field of settlement and cash services. Free setup and minimal fees will help your LLC increase customer traffic and streamline your accounting practices.

The currency conversion rate is 2 - 3%. The influence of external factors affects fluctuations on a daily basis, so you should check the prices on the official page of the bank.

Transfers are available 24 hours a day among system clients and until 21:30 to current accounts of other banks.

The “Starter” tariff is ideal if you do not conduct many transactions.

Cash withdrawals are charged 1.8% of the amount. It is possible to issue a card to an individual – a representative of an LLC.

SMS alerts and management financial statements will not require additional expenses on your part.




The bank has been in the financial services market for more than 22 years. Throughout its existence, the institution has constantly exceeded the liquidity standards of the Central Bank.

In 2016, according to the results of the influential credit rating agency Expert RA, it took 1st place among banks for LLCs.

Favorable conditions and constant support 24/7 are ideal for business projects in heavy industry and agriculture.

You can register an account either online or by visiting the bank in person, which has a large number of locations in major cities Russia. The main office is located in Moscow.

The bank offers to open a current account, which includes a wide package of additional services.

The currency conversion rate is very low - 0.2% - 0.6%. You can only find such indicators on the stock exchange.

The “Startup” tariff is designed to save money when withdrawing/crediting money to a current account. The interest rate is only 1.2%.

As a gift, you can issue a card to an individual - a representative of your LLC - to withdraw up to RUB 300,000 per month with zero commission.

5. Period.



The bank has been on the market for more than 8 years. Has the best online customer service system.

The service allows you to conduct analytical sections at any time and provides detailed statistics on the client base. It is possible to make inquiries about counterparties through the banking system, which is convenient for enterprises different forms property, including LLC.

Payments to a current account within the banking network are available 24 hours a day, and to the accounts of other clients - until 20:50 Moscow time.

Instant transfers and balance updates. After sending the funds, the system automatically notifies the recipient about the transfer via SMS and email.

Online banking is integrated into most accounting programs, which is a big plus for financial settlements.

Supports the latest browser and mobile platforms.

The Lowcost tariff is one of the best on the market for LLCs.

Budget payments are made without interest, and in cash you can withdraw up to RUB 100,000 per month without commission.

The “Annual reporting” service is paid – 3,500 rubles. in a year.

All represented banks offer financial transactions on favorable terms all year round.

High financial stability and reserves of funds allow one to hope for compensation from the banking system even in the event of critical situations.

How to choose a bank to open a current account?

We hope it will be easier to make a decision now, Which bank to open a current account for an individual entrepreneur or LLC with the most favorable conditions just for you.

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Hello, dear readers! Igor Eremenko, entrepreneur and author of the SlonoDrom.Ru resource, is in touch. Today we will talk about where it is more profitable to open a current account for an individual entrepreneur or LLC in 2020.

Several years ago, when opening an individual entrepreneur for the first time, I was faced with the question: in which bank to open a current account. If you have already opened or are just planning or, then most likely you have also asked yourself this question.

In this article I will present to your attention a detailed overview of the tariffs of reliable banks for opening and servicing a current account.

After reading the article you will learn:

1. What important criteria do banks need to present when opening a current account?
2. What fees and tariffs are established for banking services for a current account?
3. Which bank is better to open a current account?

So, let's find out which bank provides the best conditions for business owners! 🙂

1. Criteria for choosing a bank to open a current account

1. Bank reliability
2. Cost of service (tariffs and commissions)
3. Availability and functionality of Internet banking
4. Opening cost
5. Interest on balance

I. Bank reliability is one of the important criteria that must be taken into account. Since the funds of legal entities in bank accounts are not insured, in the event of a bank bankruptcy, you can permanently lose all your money. Recently, it is no longer uncommon for the Central Bank to revoke the licenses of commercial banks.

Important!
One of my friends lost more than 3 million rubles. in one of the banks as a result of its bankruptcy. Neither the state nor the bank returned this money.

II. Maintenance cost- includes commissions, monthly and additional payments for servicing the current account. One of the important criteria along with the reliability of the bank.

Personal experience:
When I opened a current account for the first time, I noticed that most banks have almost no different functionality, but the price for services differs several times. Therefore, it makes no sense to overpay for the services of a current account (especially when the business is not yet making money)!

III. Availability and functionality of Internet banking. Since in modern times Any payment transaction can be carried out via the Internet without visiting the bank and waiting in queues, then the presence of Internet banking is a very important addition to your current account.

The functionality of online banking is also important, so that it is clear and easy to use.

IV. Opening cost- This is a one-time amount of money paid for opening a current account. On average, the cost of opening a current account ranges from 500 to 2,000 rubles. Some banks do not charge money at all for opening a bank account. Not the most important criterion, but it is also worth considering.

V. Interest on balance- this is the monthly amount accrued on the account balance according to the current interest rate. A good addition to your current account so that your money always works.

Even 2-8% interest per annum can provide good additional income!

2. Which bank is better to open a current account for an individual entrepreneur or LLC in 2020: TOP 8 banks - review of tariffs

For all tariff plans.

For free: mobile and internet banking, SMS info, salary and corporate cards.

The operating day is almost a day: from 1 to 21 hours Moscow time.

A current account is opened online in 3 minutes, all necessary documents will be delivered to your home or office free of charge.

+ there is built-in free accounting! If necessary, you canconnect trade acquiring - from 1.79% to 2.69%.

Eat. Great.

One of the best online banks in Russia. Clear and simple interface. Fast processing of transactions. Completely free. Additional partner bonuses are provided: for advertising, online accounting, corporate communications...

IV. Opening cost. For free.

V. Interest on the balance. Eat. High.

Tariff "Simple" - up to 4% on the balance. Tariff “Advanced” and “Professional” up to 6% on the balance.

You can go to the bank’s website and find out all the benefits of a current account

2. Modulbank

I. Reliability — 4 out of 5 points. Above average.

The bank has existed since 1992. Stable bank. Since 2016, it has been working only with small businesses. Commercial bank, without the participation of state capital. Sovcombank owns 24% of the shares.

I I. Cost of maintenance. Low.

There are 3 tariffs to choose from:

1. Starter — 0 rub.
— Free payments are not provided. Carrying out 1 payment transaction will cost 90 rubles.
— The commission for withdrawals depends on the withdrawal amount: 1% (up to 100 thousand rubles), 3% (from 100,001 to 300,000 rubles), etc. Depositing funds at Modulbank offices and ATMs is free, through other banks - according to the commission of a third-party bank.
— Transfer to cards/accounts of individuals — 90 rubles.
— One free corporate card.

2. Optimal— 490 rub.
— Making 1 payment will cost 19 rubles.
— When withdrawing cash up to 50,000 rubles/month. there is no commission, up to 300,000 - 1% commission, up to 500,000 - 3% commission, etc. Depositing money into a current account at Modulbank offices and ATMs is free; through other banks and ATMs, third-party bank commissions are charged.
— Transfer to cards/accounts of individuals — 19 rubles.
— Corporate cards — 2 free.

3. Unlimited— 3,000 rub.
— Unlimited number of non-cash payments.
— For withdrawals up to 100,000 there is no commission, up to 500,000 - a 1% commission, up to 1 million rubles - a 5% commission, over 20%. There is also no commission for depositing funds, provided that the replenishment is made at the offices and terminals of Modulbank and its partners.
— Free transfers to cards/accounts of individuals.
— 5 free corporate cards.

For all tariff plans.

Free Internet bank,mobile banking, SMS notification.

Operating day: from 9 to 20:30. Payments are credited in 10 minutes.

It is also possible to open a current account via the Internet and immediately receive its number. The contract will be delivered to you at any convenient time.

III. Availability and functionality ь Internet banking. Eat. Great.

Modern, clear and simple online banking. One of the best.

IV. Opening cost. For free.

V. Interest on the balance. Eat. Average.

No interest is accrued on the “Start” tariff, 3% on the balance on the “Optimal” tariff, and 5% on the “Unlimited” tariff.

You can find out more about the current account in ModulBank!

3. Ural Bank for Reconstruction and Development

is another popular bank that provides free conditional services for a current account.

I. Reliability — 4 out of 5 points. Above average.

The bank was founded back in 1990, one of the largest banks in the Urals. Included in the TOP-50 credit institutions in Russia. Without the participation of state capital.

II. Maintenance cost. Below average - Average.

Tariff conditions vary significantly in different cities. Generally, in large cities with a population of over a million, service tariffs are significantly higher than in other cities of the country. At the same time, in cities with a population of over a million, there is no possibility of free service.

The bank offers a lot of tariffs, we will look at the 2 most optimal ones.

1. Tariff “Everything is simple” — 0 rub. (from 300 rub./month in large cities)
— The cost of one payment is 55 rubles (without subscription fee) and from 22 rubles. (if you have a subscription fee).
— Cash withdrawals through UBRD ATMs — 1%, through ATMs of third-party banks — 3%. Depositing cash in some cities is free, in others from 0.1%.
— 1 free corporate card.
— SMS notification — 39 rubles/month.

2. Tariff “Online” — from 350 rub./month

— Making 1 payment costs from 19 rubles. depending on the city.
— The commission for cash withdrawal is the same: 1% at UBRD ATMs, at other ATMs — 3%. The commission for depositing funds into an account depends on the city, in most cases it is free, in others it is from 0.1%.
— One corporate card is free.
— SMS notification — 39 rub./month.

For all tariffs.

Free Internet banking,mobile bank (view transactions).

Operating day: from 9 to 18:30.

You can submit an application for opening a current account via the Internet, and a bank specialist will come to you at a convenient time to complete the documents.

III. Availability and functionality of Internet banking. Eat. Average level.

Internet bank is average in terms of functionality.

A huge drawback is the virtual absence of a mobile bank. Through it you can only view account transactions, but to create a payment transaction you will have to use full version Internet banking.

IV. Opening cost. For free. In some cities and tariffs - from 700 rubles.

V. Interest on the balance. No.

No interest is charged on the balance.

1.2 Current account in the largest banks in Russia - TOP 5 banks

The reliability of these banks is the highest, since they are for the most part key in the Russian financial system, and their bankruptcy will mean that there are very serious problems in the entire economy. Moreover, even in conditions of a deep crisis, they will be financially supported by the state.

As you yourself already understood, the risks of bankruptcy of such banks are extremely small. However, with regard to the cost of service, the price, as a rule, is an order of magnitude higher than that of “second” tier banks.

1. Sberbank

4. Bank Tochka (Opening)

5. Raiffeisen Bank

5. Conclusion

In any case, when choosing a bank, proceed from your own preferences and needs. If you have already had experience working with banks and have something to share, leave your opinion and feedback in the comments below.

Also, if you found more favorable conditions in other banks, write about it, I will definitely make a review and add it to the article.

That's all for me! I wish you successful business!

In this article we will look at how to open a current account in 1 hour. Let's find out which banks provide this service for free and how to submit an online application for opening an account. We have prepared a list of necessary documents for individual entrepreneurs and LLCs, and also collected feedback from bank clients.

Banks where you can open a current account in an hour

Important! Of all the banks, only Tochka allows you to open an account in 20 minutes without calls or meetings with bank employees. But the service is available only for individual entrepreneurs. You can open an account yourself in 20 minutes, but you need a computer or phone with a camera to verify your identity with the service.

More details on the Tochka website

• Dot . It features a wide range of additional services: Internet banking, mobile application, overdraft, plastic cards for paying for purchases.
• Tinkoff. It offers some of the most favorable conditions: a free trial period for a period of 3 months, interest accrual on the account balance at the end of the year, provision of terminals for non-cash payments for free rental, free issuance of salary cards. In addition, you can connect a lot of useful additional services to your account, for example, built-in accounting and a CRM system.
• Modulbank. Bank with the best remote support: you can ask for help from a bank employee 24 hours a day via chat or phone. And for individual entrepreneurs it is possible to open an account using one document - a passport.
• Vesta provides tariffs without a subscription fee and with the ability to make payments without commission.
• Promsvyazbank has the largest number of different package offers. A service for selecting a suitable tariff can help you with your choice.

How to open a current account in an hour

Opening an account involves submitting the necessary documents to the bank. Some financial institutions accept documents remotely at electronic form. After the employee has the necessary papers, he will check them and open them.

However, the account reservation service provided by the listed banks allows you to use it immediately after submitting an application.

So, to open a current account in 1 hour, you need to complete the following steps:

Go to the official website of the selected bank and go to the services section for corporate clients (legal entities). On the page that opens, select cash account and proceed to fill out an online application by clicking on the “Open account” button.

Fill out the online application. As a rule, it consists of 3 - 5 fields: Full name. applicant, company name, region of location, applicant contacts. There may be additional fields: legal form of the company, TIN, legal and actual address, and others. At the end of the questionnaire there will be information about the possibility of reserving an account. If you want to get an active account right now, then check this box.

Collect documents and hand them over to the bank employee. The required package of documents depends on the specific bank. In some financial institutions, a current account is issued using a passport, while in others you will have to obtain an extract from the tax office and other banks servicing your company, certificates of no debt, and prepare photocopies of constituent documents and financial statements.

Sign a service agreement. You can use your current account!

It is necessary that the entrepreneur can use the account before the agreement is signed at the bank. In this case, you will receive an individual account number, which will be assigned to you for the entire period of service at the bank.

Thus, opening a current account in 1 hour is available to any entrepreneur. To do this, you just need to use the account reservation service.

What documents are needed to open an account?

Banks have different requirements for the list of documents required to open an account. The standard package is presented in the table.

This is a standard package of documents that banks require from entrepreneurs when opening an account. If your organization's activities require licensing, be prepared to provide a photocopy of the license. To obtain more accurate information, it is better to contact the bank of your choice.

And his counterparties. Cash payments are not always convenient, and have a limit on the amount per 1 contract in the amount of 100,000 rubles. Therefore, any relatively large entrepreneur or organization cannot do without a bank account. But sometimes a current account may be needed as soon as possible, for example, if there is a risk of missing out on a profitable contract. In such cases, an urgent opening of a current account is carried out under special conditions.

The concept of urgency in this regard

The procedure for opening an account is carried out upon the client’s application, which must be accompanied by a package of documents. is established individually by each bank and must be published on their official Internet resources, or can be provided by personal application to the branch. The speed of opening a current account will depend on the speed of preparation of these documents and their correctness.

The period from submitting an application to the start of the account’s functioning can take from 1 day to several weeks, depending on the bank and its requirements. The urgent account opening service provided by many banks allows you to reduce this time to 1 hour. Naturally, you will have to pay extra for such efficiency. The urgent fee is usually several times higher than the standard fee charged for opening an account in the standard manner.

• On the websites of most Russian banks it is also possible to submit an application with scanned copies of documents attached. This method allows you to significantly save on time, since by the time you visit the bank to conclude a cash settlement agreement, all documents will have already been checked and forms have been prepared. This allows you to be sure that there will be no bureaucratic obstacles in the process of concluding an agreement with a credit institution.
• Modern capabilities allow you to start using your account before visiting the bank and finalizing it. For this purpose, an online reservation procedure is provided, which allows you to receive an account number in a matter of minutes, and the ability to use it, albeit in a limited mode.
• And another way to urgently open an account is to seek help from a law firm. Specialized companies that have agreements with banks will quickly prepare all the necessary documents and open a current account for you in an expedited manner.

Legislation and regulations

Main normative act regulating the activities of credit organizations - Federal Law No. 395-1 dated December 2, 1990. “On banks and banking activities.” This document fully regulates the activities of banks, including in relation to current accounts and non-cash transactions carried out on them.

The procedure for opening a bank account is discussed in more detail in Central Bank Instruction No. 153I dated May 30, 2014. It discusses the main types of accounts and the procedure for opening them for various categories of clients - individuals, organizations, etc. The document establishes a list of documents required for opening an account, without making any distinction between standard and urgent opening of a current account. With regard to the completeness of the documents provided, the same requirements apply to these procedures.

The detailed procedure for urgent account opening is reflected in internal documents financial organizations– banking rules. Banks develop and approve them independently, provided that they comply with Russian legislation. You can familiarize yourself with the bank’s rules at the branch or on its website.

Procedure for urgent opening of a current account

The procedure for carrying out the procedure will depend on the specific method of urgent invoice processing, as well as the client’s organizational form.

When visiting the branch

Urgent opening of an account at a branch occurs as follows:

1. You will first find out from the bank the exact list of required documents and prepare it before your visit to the bank.
2. Come to the bank, fill out an application and submit documents.
3. You pay a commission for opening an account urgently.
4. Bank employees make copies of documents and certify them, after which a cash settlement agreement is signed. You can also have documents certified in advance by a notary, but this is usually more expensive. At the same stage, additional services can be activated, and an application to join Internet banking can also be written.
5. The bank opens a legal file against you (a folder with documents) and registers the account number.

After 1 hour, you can already begin conducting transactions on your current account.

In order for the procedure to proceed without delays, special attention must be paid to preparing a package of documents. Its composition may vary slightly, but it always includes a number of mandatory documents. The standard package for organizations includes:

• an official document confirming the decision of the organization’s owners to open an account;
• certificates of registration with tax authorities and statistics;
• orders for the appointment of management;
• passport and power of attorney of the representative of the organization responsible for concluding the agreement with the bank.

For individual entrepreneurs, the procedure is simplified; they will need the following documents:

• identification document;
• cards with samples of signatures and seals;
• orders for the appointment of persons entitled to manage the account.

Opening an account will be truly urgent only if you provide the bank with all the required documents.

When submitting an online application

The application is submitted by filling out a special form posted on the bank’s website. It usually states:

• Full name of the representative and his contacts;
• address of the selected bank branch;
• details of the organization or individual entrepreneur.

The application must be accompanied by scans of the required documents according to the exact list of the bank.

• If no violations are identified during the document check, a bank employee will call you about the date and time of the visit to hand over the originals and sign the agreement.
• If any paper is missing, you will be given instructions on how to complete it.

When making an online account reservation

Online reservation begins with filling out a form on the bank’s Internet resource. It states:

• client category (individual entrepreneur, etc.);
• representative contacts;
• details of the organization or individual entrepreneur;
• annual revenue volume;
• bank branch;
• information about the manager and his appointing document.

To optimally select the RKO tariff, the applicant is asked to answer several questions regarding the number and types of planned operations. But you can decide on the tariff later, during a personal visit to the bank and receiving specialist advice.

Scanned copies of documents required to open an account are attached to the application form. After completing these actions, you will receive an account number. Immediately, it can only be used to conclude an agreement with a counterparty, as well as to carry out incoming transactions. The account will begin to function fully only after a visit to the bank, which usually takes 1 month.

When contacting a law firm

Urgent account opening through an intermediary is carried out in the following order:

1. By e-mail you send to the company copies of the constituent documents, as well as details and information about the management of your organization.
2. The intermediary conducts an examination of the provided documents in order to identify the possibility of opening an account. It may take about 1 hour.
3. If the decision is positive, you hand over the original documents to the lawyers, and they will certify them and conclude an agreement with the bank.

Opening an account this way takes several hours. Law firms additionally provide advice on selecting a bank and tariff with the most suitable conditions for you.

Expedited opening cost

The cost of urgent account opening depends on the method used. When using an online application or pre-reservation, the standard fee provided for opening an account is paid tariff plan. If you want to quickly receive an invoice with full functionality, you will have to pay a lot extra for urgency.

• If opening an account in normal mode costs on average 1,000 rubles, then the amount of the commission for urgency is around 5,000 rubles.
• The services of law firms will cost an average of 5-8 thousand rubles. The amount includes bank commission, costs for certification of copies of documents and remuneration to the company itself.

Banks with this service

The service for sending an online application is available on the websites of all major Russian banks.

• The most favorable conditions for online reservation are provided by Sberbank, which allows you to start using your account 5 minutes after receiving the number, as well as Tinkoff Bank, whose employees come to your office after receiving your online application.
• You can quickly open an account by visiting a branch at VTB24 Bank. This service is provided in 4 hours.
• UBRIR, EnergoMashBank and many other Russian banks offer to open an account in 1 hour.

When choosing a credit institution, you should pay attention not so much to the opening fee, but to the cost of monthly services and transactions. Opening at a reduced rate, or without paying a fee at all, is often accompanied by increased fees for further use of the account. It is also worth paying attention to the bank’s requirements regarding the documents provided; the more modest this list is, the faster and more economical it will be to open a current account.

This video will tell you how to quickly open a current account at Rosavtobank:

Recently, many banks have been reluctant to open accounts for new clients. Often the legal address is the formal reason for refusal. The fact is that credit organizations under pressure from the “recommendations” of the Central Bank, they tightened the requirements for verifying information about a legal entity when opening an account. And since there is nothing special to check for new companies, it was the legal address that received especially close attention. It is this detail, in the opinion of the tax service and other inspection bodies, that may indicate the company’s involvement in so-called fly-by-night companies. Bulk registration addresses are compromised and their use can lead to negative consequences. One of them is the bank’s refusal to accept the organization for settlement and cash services.

However, as we learned, there are banks in Moscow that have a more loyal attitude to the mass nature of legal addresses. According to unofficial information that we received from our colleagues - employees of law firms, some Moscow banks open current accounts for companies day after day without any verification of the legal address, including without on-site checks. Therefore, we have a question: which banks are the most loyal? We tried to compile a popular rating of friendly banks.

Lanta-bank

Opening an account within 20-30 minutes without on-site verification, there is a “client bank”, advance notice until 17:00, accounts in rubles and foreign currency, 6 branches in Moscow, there are branches in other cities, a corporate card is provided.

Usually opening an account takes 2-3 days, but it can take three hours if you pay an additional fee of approx. 3000 rubles, you can submit an application by power of attorney, no rental agreement is required, a card with signatures can be certified by a bank employee.

RosEvroBank

There are 12 bank branches in Moscow, many branches in other Russian cities, there is a “Bank-Client” system, support (call center). When opening an account, documents confirming the location of the company at its legal or actual address are not requested, on-site inspection is not implemented. Corporate cards, own ATMs.

Interregional Postal Bank

The card with signatures can be certified by a bank employee. Opening a current account occurs quickly, an on-site inspection is not carried out, but it is necessary to provide an information letter about the actual address of the location of the sole executive body of the LLC and a lease (sublease) agreement for the right to use the legal address, as well as a certificate of ownership of the premises specified in the agreement, certified the owner of the premises or a notary.

A card with one signature can be certified by both a notary and a bank employee, there is a client bank, you must provide a letter in any form containing information about the presence of a permanent management body of the company at the legal address. In this case, supporting documents are provided: contracts, agreements, certificates.

During its practice, the Megapolis company has developed friendly informal relations with some banks. We assist our clients in opening an account and help them avoid problems that may arise during this simple but very important procedure.

An approximate set of documents for opening a current account

The requirements of banks for the documents presented for the procedure for opening a current account may differ, since each of them has its own technology for verifying client data. However, we recommend that when going to the bank, you collect a package of the following documents, which will certainly not be superfluous.

• Original or notarized copy of the charter legal entity.
• List of shareholders (for OJSC, CJSC).
• Certificate of state registration.
• Certificate of registration in tax authority In Russian federation
• Licenses (permits).
• Information letter from the state statistics body about registration in the Unified State Register of Industrial Organizations or in the Statregister of Rosstat.
• Certificate of entry into the Unified State Register of Legal Entities.
• An extract from the Unified State Register of Legal Entities, the date of issue of which is no more than one month before the date of submission to the bank if there have been no changes in the information presented in the extract during this month.
• Documents confirming the powers of the sole executive body, chief accountant, representative of a legal entity, other persons signing documents (specified in the card), including:
• protocol (decision) of the authorized body on appointment to a position;
• order on taking up a position (employment);
• power of attorney for a representative;
• identification documents of the sole executive body, chief accountant, representative of a legal entity, other persons signing documents, for example, a passport of a citizen of the Russian Federation.
• Documents confirming the location of the sole executive body of a legal entity, for example:
• Certificate of ownership of real estate;
• Lease or sublease agreements, other documents confirming that the client owns (uses) the premises at the address specified in the constituent documents.
• A card with sample signatures and a seal imprint (certified by a notary or, in some cases, by a bank employee).
• Application for opening an account (filled out according to the bank’s form).