Settlement cash services for individuals. Banking settlement and cash services for legal entities and individuals

Last update: & nbsp 01/21/2020

Hello, dear readers of the site business magazine! In the article we will talk about settlement and cash services for legal and individuals, why it is necessary and how to choose a bank with low (good) rates for cash settlement services.

Due to the growing popularity cashless payments and compulsory work with a current account, RSC becomes an integral part of our life and is necessary for absolutely everyone, from the usual pensioner before entrepreneur or, even more so, a large company.

From this article you will learn:

• What is settlement and cash services;
• What are the advantages and functions it has;
• What is the difference between cash management services for individuals and legal entities;
• What are the criteria and comparative characteristics choose a bank.

Of course, entrusting the bank with your current account, this is a responsible decision and requires the most serious approach, because the costs of the company, security monetary transactions and, accordingly, its profitability.

So how to decide on the choice of a partner bank, what to look for? Read about this and not only right now!

What is cash settlement service, what is the function of settlement and cash services for legal entities (LLC, individual entrepreneur, etc.) and ordinary citizens, how to choose a bank with the best rates for cash settlement services - you will learn about all this by reading the article to the end

1. Settlement and cash services (CSC) - what is it and who needs it 🗒

RSC (settlement and cash services) is a system banking services, allowing you to service the accounts of individuals and legal entities, to carry out operations of transferring funds in various currencies.

To use such opportunities, a potential client must provide the bank with certain documents, conclude an appropriate agreement with the bank and comply with the requirements of the existing legislation and internal banking regulations.

All legal subtleties of cash management are determined by the Law “ About banks and banking ", The Civil Code of the Russian Federation and regulatory legal acts TSB RF(for example, such Provisions as "on non-cash payments in the Russian Federation", "on the procedure for conducting cash transactions in credit institutions" and others)

Is it possible to do without settlement and cash services?

Both individuals and organizations, these days, need to use a non-cash money turnover, in one form or another.

Accordingly, you can do without cash management impossible when conducting any non-cash transactions, withdrawals or entry to a cash account (including payment, money transaction etc.), maintaining accounts in various currencies and receiving statements on transactions performed on the current account.

2. Settlement and cash services for legal entities - a mechanism for servicing bank customers 🖇

In the case of cash settlement services of legal entities, a credit institution conducts all operations on their settlement accounts. Among which, the enumeration salaries, pensions, scholarships and other payments. Transactions can be executed both in rubles and in other foreign currencies... In more detail about, we wrote in one of the past materials.

The basic services in this area can usually be classified as:

• settlements in cashless form;
• cash payments;
• preparation of account statements.

When carrying out work on accounts and cash transactions, banks use special forms, the most commonly used of which are:

1. payment order (when using a current account for payment), it is also called "form 0401060";
2. form for depositing cash to a bank account;
3. checks issued when cash is withdrawn from an account.

By signing a settlement agreement, the company has the right get a checkbook, which serves as a tool for cashing out money for using them to pay employees and other needs of the company.

Banks can offer not only basic, but also additional services, for example, cash collection, remote access to work with a current account (such a system is called " Bank-Client »).

But, if the main services are provided free of charge or on the basis of a minimum payment, then related services are provided for a fee, because a bank is, first of all, a commercial organization.

3. The main purpose of settlement and cash services for individuals 💰

An individual's current account is used for crediting payments, making non-cash payments, making transactions in the Internet bank and other non-commercial purposes.

In most banks, this service is provided free of charge, but there is also a commission for making transactions, such as cashing money, processing payment documents, wire transfers, and so on.

To open an account, a settlement agreement is signed between an individual and a bank.

4. How to choose a bank for cash settlement services - TOP-3 tips from experts 📋

The choice of a partner bank should be taken as seriously as possible. Before doing this, you need to study the proposals of various banks and decide on the basis of criteria that are important for a particular organization.

Advice 1. Determine the reliability of the bank

Bank reliability - this is a cumulative view not only of its capabilities, but also the identification of advantages and weaknesses. Before concluding a service contract, it is necessary to assess possible risks such cooperation and compare them with the level of usefulness.

There are different ways to get an idea of ​​the work of a credit institution, as well as a criterion for assessing its reliability, for example:

• Open sources of mass media and Internet resources... Here you can find not only general information, but also real customer reviews... For this, in addition to the websites of the banks themselves, there are specialized sources (such as the information portal Banki.ru, credit ratings "Expert RA" and others);
• Make sure that it is possible to withdraw and transfer funds on the same day;
• Monitoring the stability of the bank... For example, delays in the transfer of funds should be alerted;
• The presence and geographical location of the bank branches... Their presence in different regions allows you to avoid unnecessary spending of time and money for working between several different systems;
• Range of services ... It is important that the bank meets all the requirements of the organization and can provide all the services it needs;
• Transaction passport processing time, currency requirements for paperwork, currency exchange conditions, etc.
• Tariffs for settlement and cash services of clients... When comparing banks for this indicator, it is important to assess the size of the commission for maintaining an account, the ability to work remotely and connect this service, transfer funds, deposit and withdraw cash (for issuing wages and other needs of the organization);
• Quality and, first of all, the efficiency of the bank's cash settlement service and resolving controversial issues.
• Availability and conditions for the provision of related services such as lending, guarantee services, for example, in tender work.
• Relevance of maintaining " salary projects» in the bank(how profitable and convenient it will be, how widespread is the ATM network and other issues)

Tip 2. Compare work schedules of potential partners

In cases where a number of banks meet the criteria for the organization to select a partner for cooperation in cash settlement services, an additional item may become bank work schedule.

Especially, it is worth paying attention to companies that work with firms or divisions, having a time difference.

Tip 3. To save on bank charges, enter payment days in the company

If the company introduces payment days (from one to three per week), when all bills that have accumulated during this period of time are paid, depending on the priority, then it will be possible to save a lot on the costs associated with paying for each payment order.

Review of popular banks with rates for cash settlement services

5. Choosing a bank with favorable rates for settlement and cash services - TOP-5 banks of cash settlement services for individual entrepreneurs and legal entities 🏦

As already mentioned, the choice of a bank that can be trusted to maintain your current account is a very important step, which depends on various factors. In addition to keeping score, replenishment and cash withdrawals, operations on non-cash transfers and payments, in banks you can get additional services.

1) Sberbank

In the financial services market, Sberbank rightfully occupies a leading position in terms of coverage of needs as physical and legal persons.

A good RKO bank for individual entrepreneurs and large corporations, since Sberbank can offer many favorable rates of cash settlement and additional services... You can open a current account in this bank without even visiting a branch, remotely using the website, and it will be ready to accept payments.

The necessary documents can be submitted to the bank within 30 calendar days after opening such an account. The second and subsequent accounts can be opened using only the system “ Sberbank Business Online », For which there is also a mobile application, which is very convenient. There are also bundled service offerings for business accounts.

Sberbank has the country's largest network of offices and ATMs, provides round-the-clock support with an advisory center, works with foreign currencies, conducts "payroll projects", provides acquiring services, offers special conditions for deposits and lending for its clients and preferential programs. It is also possible to lease equipment for business. we wrote in our last article.

2) Tinkoff

A relatively young, but rapidly growing bank. Legal entities are offered two tariffs: “ Simple" and " Advanced"With fairly low service tariffs. The bank holds various promotions to attract new customers, which makes the service in it quite profitable.

Related services are provided, such as Internet banking, SMS notification system, business lending, and others. It is also possible to open an account online through the website. At the end of the year, clients of Tinkoff Bank will receive a percentage of the balance on their account.

3) Bank Opening

Otkritie Bank offers its clients a full range of settlement and cash services. There is the possibility of online reservation of an account for its subsequent opening, a remote account management system, an advisory center, currency control, collection, additional credit services, insurance and others.

The bank also offers training programs for HR consulting aimed at improving the efficiency of employees and managers.

4) Alfabank

Settlement and cash services Alfa-Bank's clients are conducted both in Russian and foreign currencies without restrictions on the number of opened accounts. All account transactions, including currency conversion services, can be carried out through the online client.

Alfa-Bank has an extensive network of branches and carries out cash settlement services throughout the country. You can conclude an additional agreement with the bank and receive a percentage of the balance on the account. The bank provides additional services.

5) SKB-Bank

In SKB-Bank it is possible to reserve a current account online and conduct all transactions on the accounts remotely. The bank has an extensive network of branches and ATMs, an extended operating day ( 21 hours).

For legal entities and entrepreneurs SKB can offer favorable rates, a wide variety of additional services, for example, preferential loans for employees and a "salary project", as well as free banking Visa cards Business and even free advertising campaign and discounts in Affiliate program.

Tariffs for settlement and cash services in banks

This table shows the rates of cash settlement services of banks located in Moscow. In other regions, tariffs may differ, depending on the order in which they are set by the bank.

* For customers who have a current account with this Bank.

From the data presented in the table, we can conclude that the most profitable terms is currently provided by Tinkoff Bank, which does not charge a fee for most standard services however, do not forget that these are not the only indicators and a deeper analysis is required for the complete picture.

6. What documents are needed to open a cash register (individuals and legal entities) 🗒

To open a bank account, you will need to provide a standard package of documents.

Documents for opening an individual entrepreneur current account:

• The passport;
• OGRNIP.

Documents for opening a current account for legal entities (LLC, JSC, PJSC, etc.)

• OGRN;
• Charter;
• Order on the appointment of the Director;
• and other constituent documents of the legal entity.

7. Package cash settlement services for bank clients - an overview of the TOP-3 popular services 💸

In order to reduce the costs of the necessary settlement and cash services, most credit institutions provide customers (entrepreneurs) with the possibility of connecting a package set of services. This is necessary when the use of cash management services is regular and requires significant financial investments from the firm.

Such offers can be divided into 2 (two) categories:

1. payment for connecting the package allows you to carry out some frequently used operations free of charge;
2. preferential tariffs for basic cash settlement operations.

It is imperative to take into account the cost of the package itself to make sure that its connection will really reduce costs and save you from unnecessary financial losses.

1) Service "Bank cards for legal entities"

For a more convenient business and implementation financial transactions, bank cards of a special business category may be issued. Such cards are linked to the current account of the organization and are used only for the needs of the company, which is very convenient, for example, for clients who often make transactions on the account while on business trips.

In addition to the main card, it is possible to issue additional cards that are tied to the same account, which is convenient for use by several employees at once. In addition, the tariffs for servicing with a card are usually lower than those through a teller.

However, when calculating the benefits of using the card, it is necessary to take into account the tariffs for its issue and further servicing, which differ radically, depending on the issuing bank.

2) Self-collection service

Self-collection Is a service also designed to reduce the costs of businessmen on cash settlement and settlement and allowing you to deposit proceeds to the current account through ATM machine or terminal self service... This allows the entrepreneur to get rid of unnecessary problems and monetary costs associated with collection and storage of cash.

For some operations there may be restrictions imposed, which are related to the capabilities of the used self-service terminal.

Usually, the rates for depositing cash in this way are lower than through the cashier, however, you need to remember that the bank sets minimum amounts commission and make sure that such collection is profitable.

3) Internet banking

One of the most important components of settlement and cash services, today, is the ability to work with accounts remotely, namely, all kinds of client bank ... Most of the most needed banking operations you can do this, as well as receive payment documents and track the status of the account.

As a rule, this service refers to basic services Cash settlement services are inseparably present in every bank serving legal entities. The client has the right to refuse to use Internet banking, but he can also connect it with ease at any time.

Usually, there is a charge for using the remote access features, but many banks are ready to provide the basic features of this service for free.

Of the useful features of this service, you can directly note making payments from a current account and transfers to other persons ... Also, work with documentation is carried out, it is possible to obtain information about all actions with the account and its status in real time.

Online account transactions have enough high degree protection and bank guarantees, so entrepreneurs do not have to worry about the safety of funds, but they have the right to connect additional services protection for a fee.

8. Benefits of settlement and cash services for entrepreneurs 💎

RSC Is a comprehensive service required for almost any business.

The positive aspects of cash management services for entrepreneurs are:

• personal approach and specially selected tariff packages on the most favorable terms.
• service by a personal manager;
• calculations in real time.

This has a beneficial effect on the speed and smoothness of the organization. Most of the payments these days are carried out by bank transfer, and their fast and high-quality execution directly affects the company's profit.

The more services a bank can offer, the more attractive it is for entrepreneurs.

Today RSC boasts a wide range of:

• opening and maintaining a current account;
• transfers, both within the bank and to other banks, to the accounts of legal entities or individuals and various payments;
• institution on a cash account;
• online banking, mobile applications and SMS notification system;
• any currency operations, including their purchase, sale and exchange.
• the ability to make a payment using a scanned copy of an invoice for payment;
• constant availability of online money transactions for clients within the bank;
• an individual approach, depending on the specifics of the client's organization. For example, if a firm often works for international market, the cost and speed of registration of the transaction passport will be of great importance.

When a company predominantly works with cash, the most important point of cooperation in cash settlement services for it will be the minimum commission for depositing funds to the current account. And for novice businessmen, the first place will be the commission for opening and maintaining an account.

9. Frequently asked questions (FAQ) on cash management 💬

Let's try to answer in detail the questions that come to the site editorial office.

Question 1. Are Cash Register Services and Cash Register Maintenance the same thing?

Cash service- This is the performance of settlements and other financial transactions on the accounts of individuals and legal entities.

RSC Is a system of banking services that allows you to service accounts physical and legal persons, carry out operations for debiting and crediting funds in national and foreign currencies.

To use such services, a bank client must provide Required documents, conclude an appropriate agreement with the bank and meet the requirements of the current legislation and the internal banking regulations.

Cash service - this is the service by the bank of its customers. This service has nothing in common with maintenance of cash registers, the object in which acts directly cash machine, and the service is provided by the technical staff of the bank or a third-party organization for the maintenance of equipment.

Question 2. How to choose the best bank for small business for cash settlement services?

More than 600 Russian banks are ready to offer their services to small businesses, having fundamentally different conditions for their provision and tariffs. In order not to get confused in all this diversity, it is important to determine for your company the most important cash settlement operations that are being carried out or planned in the next six months.

Among the criteria for choosing a partner bank are the following:

1. The main currency with which the company works... Does the bank work with it, what conditions does it provide for transfers, currency exchange, is there a currency control service (for those who work on the import and export of goods and services and often settle accounts with foreign partners), as well as the availability of an online currency exchange service at any time, which will help save your accounts from financial losses.
2. Availability and amount of commission for maintaining a current account, connection to the online banking system, the cost of transfers. It will be more convenient for novice entrepreneurs if, for some time (usually three to six months) after opening an account, no commission will be charged for its maintenance, if there are no transactions on the account.
3. Cash transactions... The withdrawal of cash and their entry into the account is subject to an additional commission, which must be taken into account when calculating the profitability of the tariff.

Having decided on the main operations and having studied the offers of various banks, you need to calculate the approximate costs of cash management that will be required monthly. It is important not to forget the one-time commissions, which are charged at a time, when opening an account, connecting to a remote control system, issuing an electronic key, and so on.

In addition to the cost of service, the choice of a bank should be influenced by other issues, such as:

• How quickly does an account open (is there an online reservation option)? If you can open an account online, you can immediately get the details with which you can work, and bring the documents to the bank later.
• Which credit rating jar? Due to the increase in the revocation of licenses from banks in last years, this indicator is especially relevant. After all, even a short-term downtime, due to the freezing of accounts, can lead to loss of profit and other financial difficulties.
• E Are there branches of the bank in the city where the company operates? The lack of branches can lead to difficulties associated with the speed of decision-making and transactions.

10. Conclusion + related video 🎥

So, do without cash management these days impossible, however, the advantages of using such a service, obvious... Cashless payments make our life easier and more convenient.

Despite the fact that the cash settlement service entails additional expenses, it significantly saves our time. Any transactions with your current account can be performed online and even through mobile phone.

It is also possible to open an account using Internet resources, without visiting a bank branch. In a competitive environment, banks do their best to attract as many customers as possible.

Now we know how to correctly assess the bank in terms of the profitability of cooperation with it on cash settlement services, and having data on the five main banks, we may well be guided by modern market and make the right choice.

In conclusion, we suggest watching a video about settlement and cash services for legal entities:

And also a video about settlement and cash services in Alfa-Bank - an overview of tariffs and benefits of cash settlement services:

We wish you to successfully find your financial partner, cooperation with which will give you not only confidence and reliability, but also have a positive effect on the activities of your organization as a whole.

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INTRODUCTION

1. ESSENCE OF THE CUSTOMER CASH SERVICE ORGANIZATION

1.1 CASH REGISTER SERVICE FOR LEGAL ENTITIES IN THE BANK

1.2 CASH CASH SERVICES FOR INDIVIDUALS IN THE BANK

1.3 IMPROVING CUSTOMER SERVICE

2. PAYMENT AND CASH SERVICE FOR THE CLIENT OF THE WEST URAL BANK OJSC "SBERBANK OF RUSSIA"

2.1 CHARACTERISTICS OF THE WEST-URAL BANK OF OJSC "SBERBANK OF RUSSIA"

2.2 REGULATORY BASE OF ACCOUNTING CASH SERVICE

2.3 ANALYSIS OF THE CASH SERVICE ORGANIZATION FOR CLIENTS OF THE WESTERN URAL BANK OF SBERBANK OF RUSSIA OJSC

CONCLUSION

BIBLIOGRAPHIC LIST

ANNEXES

VINTRODUCTION

BanTo- a legal entity created in a certain organizational and legal form and having the exclusive right to carry out, in accordance with the procedure established by law, activities on its own behalf to attract funds for deposits, place these funds on its own behalf and at its own expense on terms of repayment, payment, urgency, openness and maintaining bank accounts of individuals and legal entities.

Any economy is based on objective economic laws, one of which is the law of money circulation. Money turnover occurs under the influence of financial institutions, and primarily banks, which create the basis for money turnover and are associated with all industries and sectors of the economy.

Banks provide financing for all areas of entrepreneurship, production and non-production areas, management and fill the federal and regional budgets with the necessary funds.

Topic term paper"Organization of settlement and cash servicesiya of bank clients ". Settlement and cash servicing of clients is one of the most important areas of work commercial bank, since the payment system is one of the basic structures modern economy... The cash flow passing through bank accounts between business entities requires special attention and strict order. Considering the rate of development of banking services, it should be assumed that in the near future there will be an increase in non-cash transactions in the settlements of individuals and legal entities. Therefore, the study of this process is of great importance for banking. The relevance of this topic is dictated by the entire course of development of the banking services sector.

CspruceI consider my work: correctly present the material on this topic, clearly and clearly express your thoughts, fully disclose the essence of settlement and cash services to clients.

1. ESSENCE OF THE ORGANIZATION OF CASH REGISTER SERVICE FOR CLIENTS

1.1 CASH SETTLEMENT SERVICES FOR LEGAL ENTITIES IN THE BANK

Settlement and cash services for clients is a set of banking operations that satisfy certain customer needs and are aimed at making a profit.

Serving legal entities, i.e. enterprises, organizations and institutions. Settlement and cash transactions are carried out on behalf of legal entities. Cash services for bank clients and all settlements are made by debiting or crediting funds to their bank accounts. For storage own funds enterprises and organizations and their settlements in the bank open settlement and current accounts. Issuance and use borrowed money are registered on the loan accounts of legal entities.

A commercial bank is interested in attracting legal entities for settlement and cash services. This is due to the fact that the money in the bank account represents the attracted funds of a commercial bank, in accordance with the volume of which its entrepreneurial activity is built.

Along with settlement and cash services commercial Bank can offer a wide range of operations in which a legal entity is interested: trust management of property and portfolio valuable papers, consulting services, lending, etc.

Opening, reissuing and closing an account, one of their operations in the settlement and cash services of legal entities.

Legal entities have the right to open other accounts with banks to perform a limited range of operations. Clients independently choose banks for settlement and cash services. Normative acts oblige customers to keep both their own and borrowed funds in banks.

Zconclusion of an agreement on opening a bank account:

The contract is concluded in a simple writing... As a rule, the bank and the client conclude a single bank account agreement, although the current legislation allows for the possibility of concluding such an agreement by way of an offer (filing an application and other documents for opening a bank account) and acceptance (authorization from the head of the bank).

The bank is not entitled to refuse to open a bank account for a client, except in cases where such a refusal is caused by the bank's inability to accept for banking services or the refusal is allowed by law and other legal acts.

For discoveriesbills legal entity must be presented the following documents:Documents provided the client to the bank, are checked for completeness of documentation, legality and availability of the necessary information for opening and maintaining an account. This work is carried out either by the head of the department of settlement and cash services for legal entities and budgets, or by an employee of the department, who is entrusted with the duties of opening customer accounts.

· The application for opening an account must be written by the client's hand and signed by the head and chief accountant of the legal entity.

· Certificate of state registration can be submitted in the form of a copy, certified by a notary, by a superior organization or by the body that registered the constituent documents.

· Constituent documents are presented depending on the organizational and legal form legal entity. Copies constituent documents must be certified by a notary or by a body registering a legal entity.

· Certificate of registration with tax authority presented to the bank in the original. In this case, the bank makes a photocopy from the original Certificate. A copy is certified by an employee who accepts documents from the client for opening an account.

· A card with samples of signatures and an imprint of the seal of the form is submitted to the bank in two copies, one of which must be certified by a higher organization or a notary.

After account opening, cards signed by the chief accountant or his deputy, indicating the order and frequency of account statements, are handed over to the relevant bank employees.

When drawing up the form card, the persons entitled to the first and second signatures are indicated in it. A sample of the signature of the head is included in the card without fail, with the exception of a sample of the signature of the heads of ministries, departments, heads of regional administrations.

The right of the first signature belongs to the head of the enterprise, organization or institution to whom the account is opened, as well as to officials authorized by the head to manage the account. The right of the first signature cannot be granted to the chief accountant and other persons who have the right of the second signature.

The second signature belongs to the chief accountant. If the company, instead of the position of chief accountant, provides for a position with a different name (head of the finance department, financial and accounting department), then the client must make a note about this on the card.

The form card must include a sample print of the seal assigned to a legal entity or its detached structural units... The use of seals intended for special purposes, for example, "for packages", "for passes" is not allowed.

For the accounts of joint ventures, international associations and organizations, the card is certified only by a notary.

After checking the documents submitted by an individual, a bank account agreement is concluded with him, in his presence a copy of an identity document is made. Account opening documents are stored in the client's legal file.

We emphasize that the moment of concluding the contract and the moment of opening the account must coincide, I mean the minimum technically necessary time gap. In this regard, the statement about the possibility of concluding an agreement in the absence of all the documents required from the client seems to be erroneous. It should also be borne in mind that the type of account to be opened, as defined in the agreement, depends on the legal status of the client, the nature of his activities, goals, etc., the data on which are contained in the required documents. The procedure for concluding a bank account agreement is subject to the rules on a public agreement. The bank does not have the right to give preference to one person over another in relation to the conclusion of a public contract, except for the cases provided for by law and other legal acts, it is obliged to conclude an agreement on conditions that are uniform for all citizens.

The bank may terminate the agreement on settlement and cash services in the event of:

Non-compliance with requirements minimum size account balance;

· Within a month from the date of warning the bank's client about it;

· In the absence of transactions on the account during the year.

The bank closes the account of a legal entity on the basis of the corresponding judgment... Termination of the contractual relationship is carried out in two stages:

1) Termination of the contract;

2) Closing an account.

Within seven days after the termination of the contract, the balance on the account must either be issued to the client or transferred to another account.

At reissuance of an account in connection with reorganization (merger, accession), the same documents are submitted to the bank as when opening an account. When changing the name or subordination, it is necessary, no later than one month from the date of the renaming or change of subordination, to submit a statement of the account holder about the corresponding changes and a copy of this decision.

At closing an account can be carried out by the decision of the account holder, the owner of the property of the enterprise, the bank, arbitration court... At the initiative of the client, the bank account agreement can be terminated at any time and without any conditions. To close an account, the client submits an application to the bank, which must contain confirmation of the balance on the account on the day of closing and an indication of the transfer of the balance of funds. If there is a balance of funds on the account, the bank draws up a memorial order to close the account. The transfer of the balance of funds can also be made on the basis of the payment order submitted by the client.

1.2 CASH CASH SERVICES FOR INDIVIDUALS IN THE BANK

Settlement and cashoperations are the first and main banking operations.

Commercial banks carry out a large volume of settlement and cash transactions. An important indicator of the positive activity of a commercial bank is uninterrupted cash services to customers.

Within the framework of cash services to customers, the following are included following operations:

- acceptance of client's cash for crediting to a bank account;

- acceptance of cash at any branch of Sberbank of Russia for crediting to the client's main account;

- issuance of cash by the bank to the client;

- delivery of wages to clients by the bank's collection service;

- exchange of cash, exchange of banknotes for coins;

- exchange of worn-out banknotes and defective coins of the Bank of Russia;

- acceptance of banknotes, the authenticity of which is in doubt, for sending for examination

To carry out settlement and cash services to individuals, as well as to carry out transactions with cash and other valuables, credit organizations in buildings create equipped and technical fortified premises. The premises for performing transactions with valuables include:

· Depository of valuables of a credit institution, complying with the requirements of the current state standards;

· Operating cash desks;

· Checkout counters;

· Premises for reception - delivery of valuables to collectors;

· Premises of clients.

Acceptance of cash at the cash desk:

The main form of receipt of cash in the bank is the delivery of it directly by the clients themselves to the bank's cash desk on the basis of an announcement for a cash contribution within operating day(at the daytime cash desk) and after its end (at the evening cash desk). If the amount actually deposited at the bank's cash desk corresponds to the amount indicated in the receipt document, the cashier signs all three of its components (announcement, receipt, order), puts a stamp on the receipt and hands it to the client - the payer. He leaves the announcement in cash documents bank, and the order for the announcement is transferred to the teller for crediting the cash deposited by the client to his current account.

Cash receipts to the bank are also carried out through the collection machine. The Bank can carry out collection and delivery of its funds and valuables. Most banks that do not have their own collection service use the services of the Russian Collection Association.

Cash withdrawal:

Issuance of cash to enterprises and organizations is carried out using checks. The latter are blanks strict accountability and are issued to the client in the form of checkbooks. To receive cash from his current account, the owner of the checkbook must fill out a check, indicating in it the name of the recipient of the money, the account number from which they will be withdrawn, their amount in figures and in words, the intended purpose (on the back of the check), sign the first officials and printing. The operational employee of the bank checks the correctness of filling in the check, the availability of funds on the client's current account, and then, cutting off the control stamp from the check, transfers it to the recipient of the money for subsequent delivery to the bank cashier, and the check itself - directly to the bank account office.

The work of the bank with cash on servicing customers - individuals, as well as employees of the bank itself is carried out according to incoming and outgoing cash orders respectively for receiving and issuing cash.

Carrying out foreign exchange transactions with the participation of individuals:

Currency exchange operations with the participation of individuals providing for settlements in cash are carried out in exchange offices jar. Currency exchange transactions with the participation of individuals, involving settlements in a non-cash form, are carried out only at the cash desks.

The rate of purchase, sale, conversion of foreign currency is established before the start of the working day of the exchange office or cash desk on the basis of a bank order, certified by a signature, which indicates the date and time of establishment, the name of the currencies with which the bank performs currency exchange operations. During the working day authorized banks has the right to change the established exchange rates. The exchange rate is set based on supply and demand in the foreign exchange market.

Cash foreign currency is accepted at the cash desk of the branch after checking in accordance with foreign exchange legislation, the legality of accepting payment from an individual in cash foreign currency in favor of the beneficiary (endorsement of the application for the contribution of foreign currency in cash) by the responsible executor of the branch, who is entrusted with this function.

Acceptance of foreign currency in cash at the cash desk of the branch is carried out according to an incoming foreign exchange order, drawn up in accordance with the requirements, and a payment order of an individual.

Foreign currency in cash accepted during the banking day is formed and packed in accordance with the established procedure.

At the end of the banking day, all foreign currency is transferred to the manager of the cashier against signature, in a checklist of accepted and issued values, together with registers of purchased foreign currency, payment documents in foreign currency, incoming foreign exchange orders and a statement of cash turnover for the day and balances of values. The manager of the cashier checks the amount of foreign currency he has received with incoming foreign exchange orders, a statement, and signs it.

1.3 IMPROVING CUSTOMER SERVICE

A significant drawback of the cash service system that has developed in the country is its low efficiency, which implies the presence of the client at the bank, as well as the lack of the possibility of obtaining cash at the end of the business day.

An important and fast growing component modern systems electronic banking services is the use of automatic cashiers, which are installed both inside or outside the bank premises. They provide round-the-clock execution of operations for accepting cash, formalized as accepting deposits, issuing money in cash and withdrawing the corresponding amount from an account, as well as making transfers of money from one account to another. Cashier is a complex electronic-mechanical machine, the key elements of which, along with the system for inputting, processing and outputting information, are: a plastic card, an account holder identification system, a money receiver and a cash dispenser.

Credit card - payment and settlement document, issued by the bank to its depositors to pay for the goods and services they purchase. They are a plastic card with the name of the owner, the number or code assigned to him, contains a sample of his signature and an indication of the validity period. Modern credit cards come with an embedded microprocessor and have a large memory capacity. Credit cards applied in Russian Federation for service like foreign citizens and Russian.

Debit Cards is a payment and settlement document issued by banks to their depositors to pay for goods and services they purchase or to receive cash from automatic machines (ATMs). Debit card payments are made by direct debiting from the payer's account from the amount encoded on the magnetic stripe of the card. Therefore, debit cards do not allow their owners to pay for purchases in the absence of money in their bank account.

The introduction of such a system for performing transactions by a commercial bank ensures a transition to a qualitatively higher level of cash services for customers.

Organization of work with cash when using ATM machines is produced as follows.

To reinforce the ATM and withdraw cash from it, by a written order of the head of the credit institution, responsible employees of the credit institution are appointed, one of whom is a cashier or a cash collector. The keys to the ATM are assigned to the specified employees.

The ATM is backed up with cash as required on the basis of a written application from the cashier responsible for servicing the ATM, or the head of the department of the credit institution, which uses software to control the provision of the ATM with cash. The accepted amount of money is counted by the cashier or collector employee one sheet at a time, put it in the cassettes and closed the cassettes with a key.

A cash register or cash collector can be given pre-prepared cassettes with cash to load the ATM. The preparation of cash, its insertion into cassettes and the closing of cassettes is carried out by the manager of the cashier or a specially dedicated cashier. Accepting cassettes for loading an ATM, collectors check the integrity of the cassette and the presence of the details on the label.

The cashier manager accepts the cash withdrawn from the ATM from the cash register or collector employee, reconciles the balance of the money withdrawn from the cassettes with the printout data and signs the cash receipt.

2. SETTLEMENT AND CASH SERVICE FOR CLIENTS OF THE WEST-URAL BANK OF OJSC "SBERBANK OF RUSSIA"

2.1 CHARACTERISTICS OF WESTERN URAL BANK OJSC "SBERBANKRUSSIA "

West- Ural Bank and OJSC Sberbank of Russia is the leader banking system Russia, the basis of its stability and reliability. The Bank's presence in all sectors of the banking services market makes it an alternative to any other bank in Russia, and ensures the functioning of the country's banking system in any conditions.

Zapadno-Uralsky Bank Sberbank of Russia is a nationwide bank, the face of the Russian banking system on the international market. The bank ensures the formation economic policy and influences the macroeconomic processes in the country, implements cost-effective government programs development. The significant branch network of the Bank and the use of advanced technologies are designed to ensure the availability of the Bank anywhere in the country.

In addition, Zapadno-Uralsky Bank OJSC Sberbank of Russia is a universal commercial bank. The Bank strives to meet the needs of all customers in a wide range of high-quality banking services. The Bank is called upon to effectively place the attracted funds of the population and legal entities in the interests of depositors, clients and shareholders.

Zapadno-Uralsky Bank Sberbank of Russia OJSC is socially significant bank... As the only banking institution providing services throughout Russia, the Bank actively participates in the implementation of social programs, supports the development of national science and culture. Wide branch network of the Bank, settlement system of Zapadno-Uralsky Bank OJSC "Sberbank of Russia", flexible credit policy and qualified personnel, aimed at the development and prosperity of the clients' business.

It accounts for over 25% of assets and 15% of capital.

Zapadno - Uralskiy Bank Sberbank of Russia provides banking services in all 83 constituent entities of the Russian Federation, having a unique branch network, which consists of 17 territorial banks and has more than 18,400 divisions. In addition, the Bank provides services through remote service channels - one of the world's largest networks of ATMs and self-service terminals (about 83 thousand devices). Sberbank is also actively developing its applications " Mobile bank"And" Sberbank Online "with an impressive client base of more than 12.9 million and 7.6 million active users, respectively.

The bank is the absolute leader among Russian banks in terms of the size of the balance sheet, the volume of attracting funds from the population and legal entities, the volume of investments in the Russian economy, the volume of transactions in stock and money markets... The bank services over 234 million individual accounts and about 1.5 million corporate accounts.

Any commercial bank, and at the heart of the West - Uralsky bank OJSC "Sberbank of Russia", has its own accounting policy... Under accounting policies organization is understood as a set of methods of maintaining accounting- primary observation, cost measurement, facts of activity.

Source documents:

1) Receipt cash documents

Legal entities - announcement for a payment in cash

Individuals - cash receipt order

2) Expense cash documents

Legal entities - money checks

Individuals - cash outflow order

3) Cash register for income and expense

4) Memorial warrants

5) Help and other documents

6) Book of accounting of cash and other values

7) Book of accounting of received and issued money

Characteristics of accounts for maintaining settlement and cash services for clients.

Account 20202 "Cashier of credit institutions"

Account 20207 "Cash in operating cash desks located outside the premises of credit institutions"

Account 20208 "Cash at ATMs"

Account 20209 "Cash in transit"

Accounting entries:

2.3 REGULATORY BASE OF ACCOUNTING CASH SERVICE

1 Level "Legislative"

1.)Federal law dated December 10, 2003 No. 173-FZ "On currency regulation and currency control ".

Chapter 2. Currency regulation (The bodies of currency regulation in the Russian Federation are the Central Bank of the Russian Federation and the Government of the Russian Federation.)

Chapter 4. Currency control (Currency control in the Russian Federation is carried out by the Government of the Russian Federation, currency control bodies and agents in accordance with this Federal Law and other federal laws.)

2.) The Central Election Commission of the Russian Federation. Resolution of August 21, 2007 No. 26 / 195-5. On instructions, on the procedure for opening and maintaining accounts, accounting, reporting and transferring funds.

2 Level"Normative"

1.) Central Bank of the Russian Federation N 298-P Ministry of Finance of the Russian Federation.

N 173n December 13, 2006 Regulations on the specifics of settlement and cash services for the territorial bodies of the Federal Treasury, Financial bodies of the subjects.

Chapter 1 Features of Settlement Services for Federal Bodies

Treasury and financial authorities (payers of which are organizations, i.e. legal entities whose personal accounts are opened with the Federal Treasury or with financial authorities, are filled in for each organization in accordance with the rules.)

Chapter 2: Specific features of cash services for the Federal Treasury and financial authorities bodies of the Federal Treasury and financial authorities.)

2.) The Central Bank of the Russian Federation on April 24, 2008. "Regulations on the procedure for conducting cash transactions and rules for storing, transporting and collecting banknotes and coins of the Bank of Russia on the territory of the Russian Federation" (approved by the Bank of Russia on 24.04.2008 N 318-P) (as amended on 07.02.2012) (Registered with the Ministry of Justice of Russia 05/26/2008 N 11751) (with amendments and additions, coming into force from 01/01/2013)

(Determines the procedure for conducting cash transactions with the currency of the Russian Federation in the form of banknotes and coins of the Bank of Russia (hereinafter referred to as cash) when carrying out banking operations and other transactions, the procedure for dealing with questionable banknotes of the Bank of Russia (hereinafter referred to as dubious banknotes of the Bank of Russia ), insolvent that do not have signs of counterfeiting in banknotes of the Bank of Russia (hereinafter referred to as insolvent banknotes of the Bank of Russia), banknotes of the Bank of Russia, the presence of signs of counterfeiting which does not raise doubts among the cashier of a credit institution (hereinafter referred to as the banknotes of the Bank of Russia with signs of counterfeiting) , and also establishes the rules for storage, transportation and collection of cash in credit institutions on the territory of the Russian Federation.

3.) Regulations on the procedure for conducting cash transactions with banknotes and coins of the Bank of Russia on the territory of the Russian Federation (approved by the Bank of Russia No. 373-P)

(The regulation applies to legal entities that maintain accounting in accordance with the requirements established by the bodies that are granted the right to regulate accounting (with the exception of the Central Bank of the Russian Federation), as well as to legal entities that have switched to the simplified taxation system (hereinafter referred to as legal entities), to individuals carrying out entrepreneurial activity without forming a legal entity.

Chapter 1. General Provisions

Chapter 2. Organization for conducting cash transactions

Chapter 3. Procedure for accepting cash

Chapter 4. Procedure for issuing cash

Chapter 5. Procedure for maintaining a cash book

Chapter 6. Ensuring the order of conducting cash transactions.

3 Level "Methodical"

1.) Instruction of the Bank of Russia dated September 14, 2006 No. 28-I “On opening and closing bank accounts, deposit accounts.

Chapter 1. General provisions:

The documents required for opening an account are indicated

Bank account opening rules

2.) Letter of the Bank of Russia dated 04.06.1996 No. 25-1-601 "On methodological recommendations for checking cash operations" (Checking cash operations in a commercial bank, explaining the actions of cash services, monitoring violations of the procedure for conducting cash operations.

4 Level "Business entity level»

1.) Charter of the West Ural Bank of Sberbank OJSC dated July 24, 2013. Approved by the annual general meeting shareholders Minutes No. 26 dated May 31, 2013. (Open joint-stock company Sberbank of Russia, hereinafter referred to as the Bank, is a credit institution. The bank was established with the name Open Joint Stock Company Sberbank of Russia, OJSC Sberbank of Russia);

Chapter 2. "Banking operations and other transactions" (The Bank carries out the following banking operations);

Chapter 3. " Authorized capital bank "(The authorized capital of the bank is formed in the amount of 67,760,844,000 rubles. The authorized capital of the Bank is total amount the par value of the Bank's shares acquired by the shareholders);

Chapter 7. "Ensuring the interests of clients" (the Bank pays insurance premiums to the Fund compulsory insurance deposits of individuals);

Chapter 8. "Accounting and reporting" (The Bank maintains accounting records and provides financial statements in the manner prescribed by federal law and other regulatory legal acts).

2.4 ANALYSIS OF THE ORGANIZATION OF CASH SERVICE FOR CLIENTS OF THE WEST-URAL BANK OF OJSC "SBERBANK OF RUSSIA »

Zapadno - Uralsky Bank Sberbank of Russia OJSC is the leader of the banking system, which occupies one of the leading places in the championship. The bank is working to improve the settlement system and offers many banking services. Settlement and cash services are based on carrying out transactions on client account and performing other related procedures.

The analysis of my work consists in disclosing data (in tables, diagrams) on settlement and cash services in the West Ural Bank of Sberbank of Russia OJSC for the periods from 2010-2012.

The first thing I would like to reveal - OPENING BANK ACCOUNTS

Diagram 1. The number of accounts opened in the West Ural Bank of Sberbank of Russia OJSC

The chart represents data on the number of opened accounts in the Bank. It is clearly seen that there have been significant changes, upward. In the reporting period as of November 1 current years, the changes are more significant.

Diagram 2. Share of current accounts in deposits (%)

The diagram reflects changes in the percentage of current accounts that are open in the Bank, it can be concluded that every year, the share of current accounts in the Bank is increasing. On the reporting period 2010 accounted for 13.6%, the increase occurred by 1.3%, i.e. 2011 was 14.9%, the dynamics between 2011 and 2012 is 1.2%, i.e. in 2012 the share of accounts is 16.1%.

Increase in share term deposits became possible due to the growth of Sberbank's share in the highly competitive market of salary and pension services. The efforts we make to expand our remote service channels, including the continuous improvement of Internet and mobile banking, also played an important role in the process of raising funds to current accounts.

Diagram 3. Share of Zapadno - Uralsky bank of Sberbank of Russia OJSC

Every year there is a surge in the activity of clients, as can be clearly seen in this diagram, an increase in the number of activity of the bank's clients occurs in approximate calculations by 4-5 thousand per year: 2010-309 thousand; 2011 - 313 thousand; 2012 - 317 thousand.

As already mentioned, the West Ural Bank Sberbank of Russia OJSC is improving its customer service, working with customers in the field of Internet services, and more convenient service. With the introduction of Internet services, the Bank is attracting more and more customers. The next paragraph presents reports on customer service in the field of Internet services, that is, the use of the program (services), such as "Autopayment", "Mobile Bank".

Diagram 4. Number of users of the "Auto payment" service (2012-2013)

Diagram 5. Active users of Mobile Bank and Sberbank Online.

The audience of the recently launched service of automatic payment of invoices "Autopayment" has grown significantly: for example, the number of customers using it to automatically pay for cellular services in 2012 increased by 6 million people. The same words to the above conclusion about the "Autopayment" program can be attributed to both "Mobile Bank" and "Sberbank - Online @ yn". Thus, the introduction of new technologies significantly increases the number of customers who use the Bank's services. Zapadno - Uralskiy bank OJSC "Sberbank of Russia", every year acquires as many clients as possible in the field of service. Today, special attention is paid to non-cash payments, but still cash services remain in active use.

So, the above analysis of the organization of calculations allows us to conclude about the development of almost all sectors of the economy. But this growth was more noticeable in banking programs. In 2010, there was an increase commission income, which is associated with the expansion of the range of services provided and an increase in the client base. The share of average daily balances in the service sector, among entrepreneurs and others has a positive trend. The structure of non-cash payments in the context of the forms of payment used is characterized by the predominance of payment orders in relation to other payment instruments. In general, the organization of settlement and cash services in the analyzed bank deserves a positive assessment.

Conclusions for the chapter: Zapadno - Uralsky Bank Sberbank of Russia OJSC is a universal commercial bank with a wide range of services to corporate clients and individuals. One of the main directions of the Bank's activity is working with corporate clients. Acceptance of payments is constantly changing, which depends on many indicators. Receipts of payments from individuals are seasonal, the first position is taken by tax payments- from 11 to 17%., on the second position - payments of cellular operators (MTS, VELCOM). Other payments follow, respectively. An analysis of the organization of settlements with legal entities allows us to draw a conclusion about the development of almost all sectors of the economy. In 2010, there was an increase in fee and commission income, which was associated with the expansion of the range of services provided and an increase in the client base.

CONCLUSION

Settlement and cash transactions of clients of Zapadno - Uralskiy bank of OJSC "Sberbank" imply the maintenance of accounts of individuals, legal entities and the implementation of settlements on their behalf. The implementation of settlements and payments for the clientele and for the banks themselves is traditionally and quite reasonably attributed to the main and even the most important basic banking operations, that is, those that state the very essence of the bank's operations as a credit institution.

Banking transactions within the framework of settlement and cash services are carried out in cash. All banking operations can be conditionally divided into three blocks: auxiliary - types of work of an organizational and technical, administrative, administrative, informational nature, ensuring the beginning, maintenance and termination of the actual payment operations; the main one is the actual payment transactions; additional - additional services of the bank accompanying the actual payment operations.

The main functions of settlement and cash transactions are to organize work on servicing customer accounts; organization of settlements and cash circulation for settlement, current, accounts of enterprises and organizations of various forms of ownership; providing advice to clients and their partners on issues within the competence of the department. All transactions carried out in the system of settlement and cash services are strictly regulated by regulatory legal acts, the observance of which is an indispensable condition for the functioning of the bank.

Banking services are being improved and modernized in accordance with the development of new banking technologies... These include, first of all, Internet banking, client-bank, remote settlement center, electronic client.

The strategic priority of the client policy of Zapadno - Uralsky Bank of Sberbank OJSC is to build long-term partnerships with corporate clients. A feature of the strategy of cash management for corporate clients is a detailed segmentation of the client base, on the basis of which key technological and marketing approaches for working with clients have been developed.

Cash transactions Banks include the issuance and acceptance of cash in the currency of the Russian Federation and foreign currency; swap transactions and foreign exchange transactions. Delivery and transportation of valuables is carried out by our own collection service, which provides services not only to the bank and its customers, but also to other credit and other organizations within the framework of contractual relations.

The West Ural Bank of Sberbank OJSC is widely developing services for corporate clients in the field of issuance, distribution and servicing bank cards: salary projects; acquiring; issuance of corporate and customs cards; calculations in the ACCORD system.

Thus, Zapadno - Uralsky Bank Sberbank OJSC performs a wide range of traditional and modern operations for settlement and cash services for corporate clients, which, in turn, is the bank's business card, the most important part of banking... As recommendations for their improvement, we can offer the Bank: modern concepts of marketing financial services within the framework of which to implement support for new and existing banking products and services at all stages of their life cycles; drawing up plans for the sale of banking products; development of requirements and teaching materials to modify product offers; decentralizing decision making and increasing the role of personal managers; development of settlement and information services that will allow attracting and retaining large corporations and holding structures as their clients.

BIBLIOGRAPHIC LIST

1. Federal Law of December 10, 2003 No. 173-FZ "On Currency Regulation and Currency Control".

2. Resolution of August 21, 2007 No. 26 / 195-5. On instructions, on the procedure for opening and maintaining accounts, accounting, reporting and transferring funds.

3. Central Bank of the Russian Federation N 298-P Ministry of Finance of the Russian Federation.

4. N 173н December 13, 2006 Regulations on the specifics of settlement and cash services for the territorial bodies of the Federal Treasury, Financial bodies of the subjects.

5. The Central Bank of the Russian Federation on April 24, 2008. "Regulations on the procedure for conducting cash transactions and rules for storing, transporting and collecting banknotes and coins of the Bank of Russia on the territory of the Russian Federation" (approved by the Bank of Russia on 24.04.2008 N 318-P) (as amended on 07.02.2012) (Registered with the Ministry of Justice of Russia 05/26/2008 N 11751) (with amendments and additions, coming into force from 01/01/2013)

6. Regulations on the procedure for conducting cash transactions with banknotes and coins of the Bank of Russia on the territory of the Russian Federation (approved by the Bank of Russia No. 373-P)

7. Instruction of the Bank of Russia dated September 14, 2006 No. 28-I “On opening and closing bank accounts, deposit accounts.

8. Letter of the Bank of Russia dated 04.06.1996 No. 25-1-601 "On methodological recommendations for checking cash work"

9. Charter of the West Ural Bank of Sberbank OJSC dated July 24, 2013. Approved by the annual general meeting of shareholders Minutes No. 26 dated May 31, 2013.

10. Balabanov A.I., Borovkova V.A., Borovkova V.A., Goncharuk O.V., Kramarev A.N., Murashova S.V., Pirogova O.E [Text]: Banks and banking ... - 2nd edition - Moscow, 2007.

11. Beloglazova G.N. Finance and Statistics [Text] - Moscow, 2006.

12. Hamidov GM, Banking and credit [Text]: Banks and stock exchanges. - Moscow, 2006.

13. Glushchenko S.V., Banking. - 2008.

14. Golubovich AD, Bank Management; organizational structures, personnel and communications Moscow 2005.

15. Zharkovskaya E.P., The financial analysis activities of a commercial bank [Text] - Ed.2nd. - Moscow, 2011.

16. Kapaeva T.I., Banking [Text] - Moscow, 2008.

17. Mikhailov AG, Commercial banks: payment system // Banking [Text] - Moscow, 2008.

18. Nemchinov V.K., Accounting and operating technology in banks: Textbook for universities [Text]: - Moscow, 2006.

19. Polushkin VK, Analysis of currency transactions of a commercial bank [Text]: Accounting and banks. - Moscow, 2008.

20. Settlement and cash services in Sberbank of Russia [Electronic resource]: Official site of the Security Council of the Russian Federation. - Moscow, 2008.

21. Savitskaya G.V., Analysis economic activity enterprises [Text] -Moscow, 2010.

settlement cash service bank

APPENDICESI AM

ANNEX 1. (ANNOUNCEMENT FOR CASH PAYMENT)

APPENDIX 2. (INCOME CASH ORDER)

APPENDIX 3. (MONEY CHECK)

APPENDIX 4. (ACCOUNT CASH WARRANT)

APPENDIX 5. (MEMORIAL ORDER)

APPENDIX 6. (REFERENCES AND OTHERS.DOCUMENTATION)

APPENDIX 7. (TOCASH ACCOUNTING NIGA, etc.VALUES)

APPENDIX 8. (BOOK OF ACCOUNTING ACCEPTED AND DISTRIBUTED CASH)

APPENDIX 9.

Banking journal

Elementary balance sheet

Turnover balancebill

Ending balance sheet

Personal accounts

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Analysis of the existing planned tariffs for settlement and cash services and justification of the volume of settlement and cash transactions in the bank. The bank's income and expenses from these operations, directions and principles of their accounting. Ways to improve the efficiency of cash transactions.

The result of the development of cash and settlement services for individuals in Sberbank of the Russian Federation was the achievement of a leading position in this market sector, based on competitive pricing conditions and the quality of services provided, and a wide product range.

In the context of growing competition, maintaining the leading position of Sberbank of Russia in this segment financial market and further development of transactions for settlement and cash services to individuals is associated, first of all, with improving the quality of services provided, pursuing a flexible tariff policy and reducing the labor intensity of operations for the client and the Savings Bank. In order to increase the size of payments made and, accordingly, reduce their cost, along with transactions related to payments for housing public Utilities, Sberbank of the Russian Federation develops service of payments of the population in favor of enterprises retail, enterprises and organizations providing household, transport, legal, educational, travel, telecommunication, insurance, medical and other services. Sberbank of Russia actively supports an increase in the volume of non-cash receipts in deposits, write-offs from accounts on behalf of the client.

Sberbank of the Russian Federation significantly expands the volume of service operations remittances individuals in rubles and foreign currency. The volume of servicing property transactions of citizens, related consulting services, and the volume of services for renting individual safe boxes are increasing.

Cash services for individuals include: income and expense transactions, purchase and sale of foreign currency, sale of coins, bullion from precious metals, rent of individual safe boxes.

Income and expense transactions are carried out in the cash department. The department performs the following functions: accepting cash and other valuables, issuing cash and other valuables.

The scheme of settlement and cash services for individuals in the Central Center No. 4205 of Sberbank in Komsomolsk-on-Amur is shown in Figure 4:

Figure 4 - The structure of settlement and cash services for individuals in the Central Center No. 4205 of Sberbank in Komsomols-on-Amur

An individual who wants to open a deposit account fills out a credit slip, an alphabetical card and a deposit agreement, and also gives a sample signature on the face card. The controller completes the receipt order, in which he indicates the client's account number, the branch number, calculates interest on the deposited amount and signs the order, issues F 1, which indicates:

• - surname, name, patronymic of the client;
• - Account number;
• - branch number;
• - the amount of the initial payment;
• - date of birth of the client;
• - interest charges;
• - place of registration;
• - the term of the end of the deposit and the term of capitalization.

The controller writes out savings book, which should indicate:

• - name and location of the Savings Bank;
• - number of the account for the deposit;
• - the amount accepted in the deposit.

At additional contribution the client fills out a credit slip, in which he indicates the last name, first name, patronymic of the account holder, the amount of the contribution, the date of the transaction and signs the order.

Funds can be accepted as a deposit from another person upon presentation of the savings book and the depositor's passport. If the book is not presented, cash is accepted on a receipt, the original of which remains with the depositor.

The main documents for making debit transactions in the bank are money checks, expense orders... When disbursing funds from a deposit, the client provides a passport, a savings book and a completed debit slip.

The controller conducts an expense transaction on personal account, displays the remaining interest and makes an entry in the passbook.

A client - an individual can draw up a power of attorney or a will for a deposit.

Also, at present, foreign exchange transactions with individuals have acquired wider significance.

Central Center No. 4205 of Sberbank of Kosomolsk-on-Amur was established universal system settlement and cash services for the entire range of foreign currency transactions. The following operations are carried out in the operating cash desks of the Savings Bank:

• - purchase and sale of foreign currency in cash for cash rubles (US dollars, euros, Japanese yen, Chinese yuan);
• - purchase and sale of payment documents (traveller's checks) in foreign currency for cash rubles, as well as sale and payment of payment documents for cash foreign currency;
• - acceptance for examination of banknotes of foreign states, the authenticity of which is in doubt;
• - acceptance for sending foreign currency cash for collection;
• - an operation to exchange a payment banknote;
• - replacement of a non-payment banknote with a payment banknote;
• - purchase of payment banknotes for cash rubles;
• - exchange of payment banknotes foreign country one denomination for a banknote of the same foreign state with the same denomination;
• - issue of cash foreign currency / cash rubles on debit and credit cards.

Having an account in rubles and foreign currency, it is possible to buy or sell the currency held by a client - an individual on the account by performing a non-cash conversion operation on the account. For these purposes, a special buy and sell rate is set daily in the bank for carrying out conversion operations with an individual's account.

If there is a deposit in rubles and foreign currency, when making a purchase transaction, you must fill out an order for debiting funds from a ruble deposit and an order for crediting funds in foreign currency for an amount calculated at the rate set by the bank on the day of the transaction.

At present, the Central Organizations Center No. 4205 of Sberbank of Komsomolsk-on-Amur open foreign currency accounts on demand and urgent for individuals. Interest rates on foreign currency deposits are systematically reviewed by the bank in accordance with market conditions. Deposits are accepted in the name of a specific person. The structure of deposits in foreign currency in Central Office # 4205 of Sberbank in Komsomolsk-on-Amur is presented in Appendix B.

Non-traditional banking operations include operations of banks with precious metals. Precious metals have investment value and are a tool for the formation and accumulation of funds. Therefore, they refer to financial assets and may be the subject of banking transactions.

Operations with precious metals as with currency values are regulated by the Law of the Russian Federation of 10.12.2003, No. 173 - FZ "On Currency Regulation and Currency Control" and the Law of the Russian Federation of 26.03.1998, No. 41 - FZ "On Precious Metals and Precious Stones".

Precious metals are gold, silver, platinum, platinum group metals (palladium, iridium, birth, ruthenium, osmium) in any form and condition, with the exception of jewelry and other household items, as well as scrap of such items.

In order to carry out operations with precious metals, the bank must obtain permission to carry out such operations - a license to carry out operations with precious metals. The specified license is issued The central bank RF to an operating bank with or simultaneously with a license to carry out operations in foreign currency. The newly created bank can also obtain a license to carry out operations with precious metals together with a license to carry out banking operations with funds in rubles and foreign currency (without the right to attract deposits from individuals).

A license (permit) to carry out operations with precious metals gives the bank the right to attract deposits and place precious metals.

Banks have the right to carry out the following operations and transactions with precious metals:

• 1.buy and sell precious metals both at his own expense and at the expense of his clients, acting as a commission agent or attorney under contracts of commission or commission;
• 2. to attract precious metals in deposits (on demand and on a certain period) from individuals and legal entities;
• 3. to place attracted and own precious metals on their own behalf and at their own expense to deposit accounts with other banks, as well as to provide loans in precious metals;
• 4. to provide and receive rubles and foreign currency loans secured by precious metals;
• 5. to carry out storage and transportation of precious metals;
• 6. to carry out transactions of purchase and sale of precious metals.

Banks carry out operations with precious metals by opening metal accounts. Metal accounts are opened for individuals and legal entities, including banks. To store precious metals, banks open metal accounts for safekeeping. Precious metals accepted from the client for safekeeping are not borrowed funds of the bank and cannot be placed on their own behalf and at their own expense. To carry out operations to attract deposits and place precious metals, banks open unallocated metal accounts.

Central Office # 4205 of Sberbank in Komsomolsk-on-Amur sells gold bullions. Measured ingots are made and marked Russian organizations in accordance with current state standards, weighing from 1 g to 1 kg with a chemically pure gold content of at least 99.99% of the ligature mass of the ingot. The bank provides qualified assistance and advice in the sale of measured ingots. When sold, they are accompanied by documents confirming the origin of the ingots (certificate or passport of the manufacturer).

The prices for the sale of measured ingots made of precious metals are set taking into account value added tax and vary depending on the purchase quotation of the Bank of Russia.

Also, Central Office # 4205 of Sberbank of Komsomolsk-on-Amur sells commemorative and commemorative coins made of precious metals. Jubilee and commemorative coins are the currency of the Russian Federation, expensive materials (precious metals) are used in their manufacture, complex technologies are used with checks and decoration methods that give coins specific properties and allow them to be used both as a means of payment at par and as items collecting and investing.

Clients are offered silver coins in denominations of 1 ruble, 2 rubles, 3 rubles, 25 rubles, gold coins in denominations of 10 rubles, 25 rubles, 50 rubles, 100 rubles. The demand for coins by individual customers is so great that it becomes more and more difficult to satisfy it every year.

CO No. 4205 of Sberbank of Komsomolsk-on-Amur accepts payments in favor of enterprises, institutions and organizations, payments to the budget and extrabudgetary funds, voluntary contributions of citizens:

• - payments for an apartment, utilities (electricity, gas, telephone, etc.);
• - taxes and payments credited to the budget and extra-budgetary funds (technical inspection Vehicle, registration at the place of residence, target fee for a foreign passport, order for an apartment, etc.);
• - insurance payments and state insurance payments;
• - payments of voluntary associations;
• - receipts of voluntary contributions from the population and organizations.

Payments are accepted by the bank regardless of the payer's place of residence and the location of the account of the organization receiving the payment.

These operations are carried out by accepting cash and in the order of non-cash settlements on the instructions of depositors on the transfer of amounts from deposit accounts.

Table 11 provides information on the amount of transactions on settlement and cash services for individuals by Central Organizer No. 4205 of Sberbank in Komsomolsk-on-Amur.

Table 11- Information on the amount of transactions on settlement and cash services for individuals of Central Office # 4205 of Sberbank, Komsomolsk-on-Amur thousand rubles for 2002-2004.

CO No. 4205 of Sberbank of Komsomolsk-on-Amur provides the bank's clients - individuals and legal entities - in leasing individual safes:

• - for storing valuables and documents;
• - to carry out settlements for transactions in the sale and purchase of real estate;
• - to notaries for the storage of inherited property in connection with the performance of notarial acts in inheritance matters.

An individual safe is provided to the client for rent on the basis of a lease agreement concluded with the bank for a period determined by the parties. By agreement of the parties, the lease term can be extended.

One of the most important directions in the work of a commercial bank to improve services for individuals is the development of non-cash settlements of citizens with trade, utilities and other enterprises. Currently, banks perform a wide range of settlement and cash operations: they accept payments from the population in favor of enterprises, institutions, organizations, as well as in the income of the state and local budgets; issue check receipts for payment for goods and services; make non-cash payments on behalf of depositors; perform other operations.

In recent years, the range of goods and services for which the population can pay by bank transfer has significantly expanded. One of the forms of non-cash payments are settlement checks.

Sberbank of Russia check - personal money document, certifying the right to receive an amount in the currency of the Russian Federation at the expense of funds deposited by the client in Sberbank of Russia. The validity period of the check is 4 months.

A check is issued in the name of an individual when he deposits cash on a check or write off an amount from a deposit account and can be used by a client to receive cash or credit the amount of a check to a deposit account.

At the request of the client, a settlement check can be issued in the name of another person, who in this case becomes the owner of the settlement check.

When issuing a check, a service fee of 0.5% of the amount is charged. When paying a check, the service fee is 0.5% of the amount.

CO No. 4205 of Sberbank in Komsomolsk-on-Amur carries out transactions for the sale of traveller's checks of the following issuing companies American Express, Thomas Cook-MasterCard, Visa Interpayment.

Traveler's checks in US dollars and euros can be purchased at Central Center No. 4205 of Sberbank in Komsomolsk-on-Amur:

• - per cash currency;
• - for cash rubles;
• - by writing off funds from foreign currency or ruble deposits.

Types of traveler's checks, the payment of which is made at the cash desks and exchange offices of Sberbank in Komsomolsk-on-Amur: American Express, Thomas Cook-MasterCard, Visa, Citicorp.

Traveler's checks are very easy to use. When buying checks, the client puts his signature on each purchased check. Upon presentation for payment, the owner must re-sign the checks in the presence of the person receiving the traveler's checks. Payment for the check is made if the signatures are identical. This system insures the owner against the risk of losing the check.

For the sale of a traveler's check, the bank charges a commission of 0.5% (min 1 USD). Traveler's checks are accepted for payment all over the world in shops, restaurants, hotels, service services. The exchange of traveler's checks in banks and other financial institutions for payment of the host state is more profitable than exchanging US dollars in cash. Travelers checks are indefinite. If necessary, the check can be exchanged for cash or rubles at Sberbank of Russia or other financial institutions.

CO No. 4205 of Sberbank of Komsomolsk-on-Amur transfers deposits (in whole or in part) and cash (both for enrollment in deposits and for cash payments) to any institution of Sberbank of Russia, as well as to any bank of Russia and for border. Sberbank of Russia offers the minimum terms for making a transfer:

• - currency transfer - 3 days;
• - ruble transfer within Russia - 3 days;
• - ruble transfer in the system of Sberbank of Russia - 3 days;
• - urgent transfer of cash in the system (regional banks and branches) of Sberbank of Russia - 24 hours.

To transfer a deposit or cash, an individual client does not need to have a deposit account at the institution of Sberbank of Russia to which the funds are transferred. The client has the right to transfer the deposit (in whole or in part) or cash both in his own name and in the name of any other person.

Appendix B presents the tariffs for money transfer services established in the Central Center # 4205 of Sberbank in the city of Komsomolsk-on-Amur.

The mechanism of functioning of the electronic money settlement system for individual customers is based on the use of plastic cards points and includes operations carried out using ATMs, electronic systems population calculations in trade organizations, home and workplace banking systems for individuals, as a way to bring various services to the consumer.

The assistance service of Sberbank of Russia provides the following services by phone to cardholders around the clock:

• - blocking of cards by the customer's telephone message;
• - consultation of the client on the procedure for action in case of loss or theft of the card;
• - recommendations on the order of the client's actions in case of identifying disputable transactions;
• - provision of information on the expenditure limit for authorization, account balance, expenditure transactions and account replenishment transactions, reasons for refusing to service the card, service points.

In addition to the offered traditional plastic cards international standard, Savings bank Russia carries out non-cash payments in the system of settlements by bank cards AS "Sberkart". This is a microprocessor card that operates within the Sberbank RF system.

AS "Sbercard" card is a bank card with a built-in microprocessor and applied with the Sberbank of Russia logo or the Sbercard trademark. The AS Sbercard microprocessor card is issued by Sberbank institutions to residents of the Russian Federation - legal entities and individuals for a period of 12 or 24 months exclusively in rubles. Further, if desired, the period is extended. With each operation, the amount is debited directly from the card, and not from the card account, that is, the microprocessor carries variable information about the amount of funds. For clients - individuals there are two types of cards: salary and personal.

The Sbercard AS salary card is issued as part of the implementation of joint “salary projects” with enterprises in Russia. It is intended to receive wages, fees, scholarships and other income, as well as to pay for goods, works, services and receive cash in the divisions of Sberbank of Russia that carry out operations with cards. Annual maintenance salary bank card accounts are free of charge. Daily accrual of interest on the balance of funds on the card account is carried out at the rate of 2% per annum.

Personal card AS "Sbercard" is issued to a client - an individual for their own purposes. The first year of servicing such a card costs 250 rubles, each subsequent year 125 rubles. Interest on the balance of funds is accrued on a quarterly basis at the rate of 2% per annum.

Cash withdrawal in rubles, on both cards, within the territorial bank that issued the card, is free of charge, in other branches - a fee of 1% of the amount of cash received is charged. An initial fee for opening a bank card account and a non-withdrawable account balance is not provided.

Table 12 provides information on the attraction of funds from individuals to the bank card accounts of AS "Sbercard" in the Central Center # 4205 of Sberbank in Komsomolsk-on-Amur.

Table 12 - Information on attracting funds to bank card accounts of AS "Sbercard" in the Central Center # 4205 of Sberbank in Komsomolsk-on-Amur.

Analyzing table 12, we can conclude that the popularity of AS "Sberkart" in the city of Komsomolsk-on-Amur is growing, because the volume of attracted funds increased from 321 thousand rubles in 2002. up to 40,076 thousand rubles in 2004 and amounted to 39755 thousand rubles.

Thus, the advantages of Sbercard AS microprocessor cards are:

• - wide service network;
• - cost-effectiveness - all settlement operations in trade and service enterprises are carried out without commission;
• - the speed of processing transactions and the minimum amount of documents to be filled out - the card is issued on the day the account is opened;
• - safety - high level card protection excludes unauthorized access to the account;
• - speed and ease of maintenance;
• - functionality - the presence of two accounts on the card: one is completely password-protected, and the other - without passwords, allows you to make small purchases without typing a PIN-code.

Serving all types of bank accounts in rubles and foreign currencies. Internet banking services. International payments, currency control. Letters of credit in rubles, bank guarantees.

A full range of settlement and cash services. Opening and maintaining accounts in rubles and foreign currencies, settling letters of credit and collection, accepting and issuing cash, issuing passports for transactions under export and import contracts, conducting conversion operations.

Settlement and cash services are a list of services that allow the bank to provide settlement transactions on the client's account.

Advantages of registration of settlement and cash services in J&T Bank:

• Personal approach to our clients;
• Personal consultant when opening an account;
• Confidentiality guaranteed.

Tariffs for settlement and cash services

Required documents for opening an account

Current accounts are opened both for companies and entrepreneurs registered in the Russian Federation and for non-resident firms. The procedure for opening an account takes no more than 3 banking days from the date of submission of the package of documents.

For resident legal entities

List of documents for opening an account for a resident legal entity

Application for opening an account

For individual entrepreneurs

List of documents for opening an account for an individual entrepreneur

Agreement for opening a current account in rubles

Agreement for opening a current account in foreign currency

Application for opening an account

Application for opening an additional account

For non-resident legal entities

List of documents for opening an account for a non-resident legal entity

Agreement for opening a current account in rubles

Agreement for opening a current account in foreign currency

Application for opening an account

Application for opening an additional account

How to arrange settlement and cash services? How do I open an account?

In order to get a current account, you need to contact the office of J&T Bank, having with you all required list documents, as well as a completed application for opening.

After checking and considering the application, the bank's specialists will draw up an appropriate agreement, which will indicate the tariffs for services, details, as well as a list of services that the client plans to use for the duration of the agreement.

You can get more detailed information by phone:

Irina Novikova: +7 495 662 45 45 - ext. 024