How to open a special account in Sberbank for the state defense order. What operations cannot be performed? Banking support of the defense order

Law No. 275-FZ of December 29, 2012. tightened the requirements for placing a state defense order, as well as for settlements between the participants in such a contract. All settlements must be carried out exclusively through special bank accounts (SBS) operating in general mode. You can open it not in every bank, but only in an authorized banking organization. In the article, we will consider the features of reserving special accounts, as well as the requirements for money transactions under the state defense order.

Special account for the state defense order

A special settlement account for the state defense order is a special account with an authorized banking organization opened by the head executor, which, in turn, has entered into a contract with the Russian Ministry of Defense for the execution of a defense order. This is necessary to ensure the security and transparency of payments under the defense order between the parties to the contract, as well as to exercise control over the targeted use of budget money by the state.

Article 8.1 of Law No. 275-FZ establishes special criteria for banks that are entitled to service special accounts. To date, the following requirements have been met:

PJSC "Bank" Saint-Petersburg".
JSCB "NOVIKOMBANK"
PJSC "Sberbank"
Bank GPB (JSC).
VTB Bank (PJSC).
JSC "AB" RUSSIA ".
JSC Rosselkhozbank.

Each bank, in turn, establishes individual rules for opening and reserving settlement BS for a defense order. So, for example, you can reserve an account with Sberbank for the state defense order online. To do this, it is enough to enter the registration data of the company (OGRN and TIN, form of ownership), indicate the identifier of the state contract, enter the number mobile phone and email address. Within 5 working days, you should confirm the procedure for opening a special account at a bank branch by submitting a complete package of supporting documentation. Otherwise, Sberbank will cancel the reservation of the state defense order account, and return the funds received to the senders.

And when VTB reserves the state defense order account, any operations (receipt or write-off) become available only after the official conclusion of the contract.

Special accounts for the state defense order, how to spend money

A special regime has been established for settlements to secure a defense order. The rules are regulated in Article 8.3 of Law No. 275-FZ. The main instructions are:

The contractor has the right to spend funds from a special settlement account only for advances for services, goods, work, or for meeting needs for the implementation of a state defense contract.
The spending of the target money is carried out only with the indication of the identifier of the state contract (GCC). Specify GCI should be at disposal ( payment order, application for cash flow, etc.) for write-off.
Write-offs are made only to special accounts for the defense order, so all parties to the contract must have such accounts open. There are exceptions in paragraphs. a-h h. 2 p. 1 art. 8.3 of Law No. 275-FZ.
The Bank has the right to suspend operations on special accounts in order to collect fines, penalties, forfeits and other sanctions (Article 76 of the Tax Code of the Russian Federation).
Closing of the account is carried out by the bank after receiving a notification from the Ministry of Defense of Russia (customer) on the execution of the state contract.

What operations are prohibited

A wide list of prohibited operations on special accounts for the defense order has been established (Article 8.4 of Law No. 275-FZ). These include settlements on loans and borrowings that were registered for the organization by the contractor. Also, targeted funds cannot be loaned or invested in authorized capital third party firm.

Any transfers to individuals are prohibited, except for wages and insurance premiums for hired workers or compensation. Money for the fulfillment of a defense order cannot be donated or transferred to charitable foundations or individuals.

Purchase foreign exchange, precious metals or valuable papers also illegal. But to place targeted funds on deposit it is possible, but the deposit must be opened in the same authorized bank and on the condition that interest from the turnover of money will be credited to this special account.

Funds for the implementation of a state defense contract cannot be used as security for the fulfillment of obligations, including under treaties, agreements and contracts.

controversial issues

Can the executing organization replenish the special account on its own?

Maybe. The need to replenish the account with their own money for the organization arises in the case of settlements with authorized bank for servicing this special account. It is impossible to spend target money on banking services.

Registered for the performer enforcement proceedings. Can a bank write off funds from a special account on a writ of execution?

If the claimant is the state, then performance list will be satisfied (paragraphs in paragraph 9 of article 8.4 of Law No. 275-FZ). In other cases, the write-off will be illegal.

A hired specialist requires compensation for expenses for renting a dwelling, is it possible to pay with targeted funds from the state defense order?

No. Payment for travel and housing for employees with funds to secure such a contract is unacceptable (clause B, clause 3, article 8.4 of Law No. 275-FZ).

How to reserve a special account with Sberbank under the state defense order: opening and working with a special account

How is an account reserved at Sberbank for the state defense order? This account conditions the acceptance of cash at the request of the client. The issuance is made in accordance with the terms of the contract that determines the formation of the capital fund, the cost of funds by bank transfer.

Special accounts for state defense orders - accounts opened in the bank by executors who have signed an agreement with the Russian Ministry of Defense. The main goal of the state is to ensure information protection, control state budget and ongoing settlement transactions.

Under all concluded agreements, customers and contractors are required by law 275-FZ to open separate accounts. Money on a special account is required to be used only to fulfill the order. Sberbank specifically for the State Defense Order (GOZ) offers to open an account for special conditions. Settlement transactions according to the state defense order are carried out with an indication of the identifier of the state in the payment order on the account. contract.

When the terms of the contract are met and fulfilled, it is allowed to transfer profits to any current account and to cover the cost of purchasing supplies. Incomes and prices for stocks are negotiated before the conclusion of the contract.

In 2015, it was announced the involvement of banking support and special services. accounts. But there are still errors in some points, for example, with regards to payments wages from a checking account. The law also does not prescribe the use of funds that the party receives to fulfill the order.

How to open an account for the state defense order in Sberbank?

OGRN;
organizational and legal form of the company;
GOZ identification number (ID);
phone number;
Email.

A special account for the State Defense Order can be opened within 365 days. For the allotted period of time, the contractor should provide the entire set of supporting documents to the office. Otherwise, the process is rejected, and the money is sent back.

To make payments between the parties to the contract, an agreement on banking support is drawn up.

To control the execution of orders, you need to connect Sberbank Business Online. The application for accession is on the bank's website in the appropriate tab. To create an application, you need to use the step-by-step instructions:

v personal account go to the section "Services" - "Application";
select the line "Application for accession";
create a document by filling in all the fields;
choose the type of investment, amount, type of currency, interest rate and shelf life;
confirm your acceptance of the terms and conditions provided.

A confirmation password will be sent to the mobile phone, which is analogous to electronic signature. You can also print the finished sample on the site and manually enter all the information.

Working with a special account of the State Defense Order

After a successful reservation with Sberbank of a separate settlement account under the State Defense Order and an account has been opened, you can transfer money indicating the contract ID. The exceptions to this list include:

mandatory payments (taxes, fees, etc.);
payment for goods, services and work performed at tariffs approved by the state;
transfer of profits, if it is prescribed in the state contract;
payment of the contractor's expenses (up to 3 million rubles), the head contractor - up to 5 million.

To make a payment, the contractor must bring to the bank such documents as:

Agreement or an extract from it with information related to state secrets. The extract is drawn up by a person who has access to state secret, and signed by the head of the responsible person.
Acts, waybills, invoices and other documents confirming the fulfillment of obligations under the contract.

The Bank has the right to demand the missing documents subject to compliance with special rules on state secrets.

In the process of work, you need to choose one of the options for banking support:

"Advanced", which has such functionality as:

the ability to control all current expenses from the accounts of contractors;
evaluate during the execution of the contract;
reporting generation.

"Simple" allows you to receive statements on the accounts of participants and track settlement transactions.

After choosing a tariff, you should draw up a support agreement. It must be signed by both parties.

How to pay a payment on the Sberbank account of the state defense order?

After opening a special account with Sberbank for the state defense order, by this time you already have access to the Sberbank Business Online website. To make a payment order:

select the section "Payments and transfers" - "Payment to the counterparty";
enter the right amount with or without VAT;
indicate the date of payment;
choose a special account for debiting money;
enter the payee and his account details, contract number.

Don't forget to set a target payment transaction. The final stage of the formation of the payment order will be its sending to the bank. SMS confirming the payment on the account will be sent to the phone.

Responsibility for violations

In order to open a special account for the state defense order at Sberbank, you need to follow certain rules. Expenses must be made for the intended purpose. Ignoring the agreements leads to not rosy consequences:

for failure to provide services or failure to comply with the plan, a fine equal to 1 million rubles is imposed;
penalties in the amount of 500 to 1 million rubles. must be repaid if the funds were spent incorrectly;
it is impossible to use the money allocated by the state for the state defense order for other purposes.

The listed types of violations are considered gross in terms of Russian legislation. To ensure transparent relations between the customer, the contractor and the state itself, all conditions must be observed.

The subtleties of closing the state defense order account

The closing process is easier than opening a special account with Sberbank for the state defense order. If the order is completed, you can easily close the account. For this you need:

apply to the bank;
the customer sends a notification to Sberbank about the fulfillment of the contract;
the head customer is informed of the notification;
he sends a document with a request to close the account;
Sberbank informs all participants of the organization about this;
the account is successfully closed.

For the purchase of goods, payment for work, services in order to ensure public and municipal needs on the basis of Federal Law N 44 dated 04/05/2013, an account is being reserved with Sberbank for the state defense order. The special account is designed to conduct safe transactions and protect the interests of both parties.

A separate account for the state defense order is a special account in a financial and credit organization opened by the main executor who has concluded a contract with the Ministry of Defense of the Russian Federation for the execution of the defense order. Such measures are necessary to guarantee the security and transparency of settlements, as well as to control the distribution budget funds states.

According to Art. 8.1 federal law N 275 of December 29, 2012 "On the state defense order", PJSC "Sberbank" is one of the banks authorized to work with special accounts.

To reserve a separate settlement account for the state defense order with Sberbank, there is no need to visit the office, an application can be made online on the official website http://www.sberbank.ru/ru/legal/bankingservice/cash/account. To do this, you need PSRN, TIN, organizational and legal form of the organization, ID of the State Defense Order, mobile phone number, e-mail.

365 calendar days are given to open a special account. During this time, the performer needs to submit bank branch supporting documents. Otherwise, the procedure will be canceled and the funds received will be returned to the sender.

For settlements between the parties to the state defense contract, it is necessary to conclude a banking support agreement. It is also required to connect the Sberbank Business Online service in order to electronically control the execution of the state defense order. The application for accession is in the appropriate tab on the official website of the bank.

After the account is reserved, the documentation is checked, transactions can be carried out.

Spending money from a separate current account of the state defense order

Sberbank serves government contracts on the basis of the previously mentioned Federal Law No. 44 and Decree of the Government of the Russian Federation No. 963 dated September 20, 2014 “On the implementation banking services government contracts.

In order not to make a mistake when working with a special account, you need to be guided by Art. 8.3 of the Federal Law N 275 of December 29, 2012 "On the state defense order". It contains the following regulations:

The contractor has the right to spend funds from the RS exclusively on advances for services, goods, work or on equipping the needs of the state defense contract.
You can dispose of funds only if the GOZ ID is indicated in the order for debiting.
Deductions should be made to specially created accounts for the defense order.

There are exceptions to the last rule. These include:

payment of taxes, insurance premiums;
payment for products if the cost is controlled by the state;
settlement payments with foreign contractors who took part in the State Defense Order;
other expenses in the amount of less than 3 million rubles.

On the basis of Article 86 of the Tax Code of the Russian Federation, a bank may terminate operations on special accounts in order to recover fines, penalties, forfeits and other delays.

The account is closed after notification of the Ministry of Defense of the Russian Federation about the execution of the state defense contract.

List of invalid operations

Not all transactions can be carried out on a separate account of the State Defense Order. The prohibited ones include:

Calculations on loans of the executing institution.
Provision of funds to create the authorized (reserve) capital of a third-party company.
Translations individuals, transfer to charity. The exception is the remuneration of employees, the payment of insurance premiums.
Purchase of precious metals, foreign currency, stocks, securities.
Execution of the cession agreement (assignment of the right to claim).
Write-off of funds to other accounts opened with a financial and credit organization.

Conclusion

You can reserve an account with Sberbank under the state defense order through the official website. Within a year, supporting documentation must be submitted to the bank branch, otherwise the procedure will be terminated.

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The account reservation service on the Sberbank website makes it possible to quickly open a current account and use its details immediately after registration. The service is provided online or through a Call Center operator. On an open account, you can carry out cashless payment or receive data for processing documents, other operations will become available after registration at a bank branch. This must be done within 30 days.

What is this service - online account reservation?

Remote account reservation is a free opportunity to register a ruble account with a bank and transfer funds to it. To apply for the service, just go to the Sberbank website and fill out a form, or call the Contact Center.

Any legal entity registered in Russia can open an account, with the exception of credit institutions. The main condition for the provision of services is the presence of registration in tax service. The service is available 24 hours a day on any device.

After registering an account at a bank branch, it becomes possible connection additional services:

1. Sberbank Business Online— a system that allows you to receive and send electronic payment documents, monitor the movement Money, check information about counterparties. The system allows you to create templates for quick payment, find out the status and stage of processing payment orders, integrate ready-made documents in the format of the 1C program.

2. Self-collection- this is an option with which you can deposit money to your current account at any time of the day through Sberbank ATMs.

3. Service packages. At the moment, the bank provides 6 options for packages that differ in the number of payments made, the limit for depositing and withdrawing cash. The advantage of a fixed set of services is the provision favorable conditions to carry out transactions.

Conditions for online reservation

The service is provided for legal entities registered in the territory of the Russian Federation and registered in tax authority. Everything necessary details are provided immediately after filling out the questionnaire on the website or through the Contact Center.

Annual maintenance is free,
Payments are accepted from 6.00 to 23.00.
Account currency - rubles.

The account number is kept by the client within 30 days. To confirm registration, you need to contact the Sberbank branch with a package of documents, otherwise the account will be canceled. Funds transferred to an unconfirmed account are kept for 5 business days. After the expiration of this period, they are returned to the senders.

After online registration, only two services are available - transferring payments to an account and receiving information about details. Before the package of documents is completed, it is impossible to replenish the account in cash, make collection, payment from a bank card (esquiring), as well as credit funds aimed at supporting the contract under the State Defense Order.

The following account numbers are available for reservation:

How to reserve an account for a legal entity

There are 2 ways to instantly open an account:

on the official website of Sberbank;
through the telephone of the Contact Center.

Online registration is available on the Sberbank website in the section ... Details for transferring funds are available immediately after filling out the questionnaire. Cash withdrawals and transfers of payments will become available after contacting the Sberbank office with a package of documents. Deadline for registration confirmation 30 days.

The following information must be entered in the online form:

name of company;
legal address;
email address and phone number;
Kind of activity;
revenue for the year;
main state registration number (OGRN).

Another way to register an account is to call the Contact Center number. Bank operators advise the client, enter data and provide details. To set up an account, you need to call the 24-hour number 8 800 5555 777

Documents for reserving and opening a current account with Sberbank

To confirm the online registration of an account, a legal entity must submit a package of documents to the bank branch, including:

1. Constituent documents depending on the legal form legal entity.
The client can provide originals or copies of documents certified by a bank, a notary or an authority that registered the organization. In some cases, the law allows you to transfer the details of the papers to the bank if the documents are published on the Internet on the website of official sources.

2. Original or notarized copy of the license or permission to carry out activities. If the activities of the organization are related to state secrets, the client is obliged to provide a license or information about it.

3. Original entry sheet in the Unified State Register of Legal Entities according to the form No. R50 007.

4. Original or certified copy of the extract from the Unified State Register of Legal Entities. You can certify a photocopy at the tax office, at a notary public or at the bank itself.

5. Card with samples of signatures and seals of the head and chief accountant, as well as other persons who will carry out operations on the account. Certified by a notary or directly at the bank.

6. Documents of employees shown on the card. If a notarized card with signatures is included in the package, instead of documents, you can attach a letter with the necessary data and the signature of the head of the organization.

7. A set of documents confirming the entry into office and determining the terms of reference of the head and chief accountant, as well as other persons who will carry out operations on the account.

8. bank card A containing information about the client. Material from it is published on the Sberbank website.

9. Documents confirming the powers of the sole executive body of the legal entity. If an authorized person is responsible for issuing an account, the following documents are added to the specified set:

original or copy of the power of attorney for account registration;
citizen's passport;
migration card and residence permit for persons who are not citizens of the Russian Federation.

To open a budget account, you must present papers confirming the right to service at the bank. If the organization is declared bankrupt, a decision is added to the package Arbitration Court. Homeowners associations must provide a certificate of ownership of the chairman of the HOA, an extract from the Unified State Register of Rights or a protocol of the meeting of the HOA, which contains information about the property of the chairman.

As additional documents SNILS is indicated when the bank provides an electronic signature, a state or other contract for a defense order, or papers confirming purchases made for unitary enterprises.