Why do you need a corporate IP card? Can an individual entrepreneur receive money from clients to his bank card?

When implementing any entrepreneurial activity there is a production need to maintain financial settlement transactions. The Sberbank business card for individual entrepreneurs is a convenient solution that greatly facilitates capital management processes.

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Plastic is issued upon opening current account individual entrepreneur and provides easier access to finance, and also ensures prompt transactions with any counterparties. The card is an innovative solution for business and can significantly simplify accounting at enterprises. The main difference is that the system product is not intended for individuals, has certain restrictions and is issued only to entrepreneurs.

Sberbank business card for legal entities differs significantly from the regular version of the Visa in terms of the method of registration and receipt, as well as in the established limits.

Business card features

The most popular solution for individual entrepreneurs is to register a personal corporate banking product. Many people often ask questions related to the use of such business products. Main feature plastic is ease of use - the entrepreneur does not need to go to financial institution to carry out payment orders. Any user can make transactions from a personal current account using Internet banking.

Possibilities settlement business Sberbank cards:

You can make cash withdrawals as well as transfers Money to other recipients.
Work with cash is simplified - the company does not need to order collection services, as well as hire special employee for working with money.
Easy to drive high precision Accounting standard cash transactions.
Linking a card to an account allows you to transfer funds to it through Sberbank Business Online and/or credit them instantly via the Internet.
You can use the corporate system for payment in the store, when making payments by public services, as well as for making payments on various Internet platforms (but only within the needs of the organization).

Advantages and disadvantages

Among the advantages are the following parameters:

A business card for an LLC from Sberbank allows you to make any payments online.
You can withdraw money abroad.
A business Visa card can be linked to individual account- this allows you to deposit money on it at any time or top up your account by transfer, withdraw money from the card, and also conduct convenient payments for legal entities.
Using this type of plastic you can pay by credit obligations enterprises.
Sberbank's corporate service is ideal for entrepreneurship - a legal entity can pay current accounts without an additional visit to the bank.
Using a corporate system, you can always find out the total cash turnover and information about its balance - this allows you to control business activities and analyze in detail all existing costs.

The disadvantages include several factors:

Not all regional stores can accept corporate systems for payment - in some cities it is impossible to make purchases using this type of banking product.
To receive and start using the product, you will need a current account opened with Sberbank, for the maintenance and maintenance of which you have to pay money.
You can put money on a card or withdraw cash from it only with the payment of a commission (the percentage depends on the type of transaction), since the main purpose of the business product in question is to pay for the needs of the company. To make payments as transparent as possible, it is advisable to make all payments by bank transfer.
It is prohibited to use funds from the card to meet your own needs.

Tariffs and terms of service

Among the main conditions for servicing a Sberbank business card, one can highlight the mandatory presence of an individual business account. It is also necessary to draw up in advance a register of employees who will be allowed to use the banking product.

Sberbank provided entrepreneurs with a choice. You can create a card for one of the existing business product lines:

Budgetary.
Linked to a business account.
Linked to a current account.

In accordance with the chosen option, tariffs for Sberbank business cards are set:

For the budget MasterCard business, as well as Visa, free service is provided, but it must be linked to a pre-opened PC. This product is serviced only in Sberbank branches (in subsidiaries and third party banks not acceptable). The limit on withdrawing money from an account at a Sber ATM is 300 thousand per day, and no more than 100,000 rubles per day can be credited to each of the cards opened and linked to the account.
For cards issued under a business account, a paid service is provided (from 2,500 rubles per year) and a mandatory initial replenishment of at least $100. Withdrawal limits are higher and amount to 5 million per month, but not more than $3,000 per day. It is possible to service the card abroad and at third-party credit institutions.
Cards linked to the company's current account are serviced under standard conditions. For a year of service you need to pay 2500 rubles. Depositing and withdrawing cash is subject to a commission, the withdrawal limit per day is 170 thousand rubles. Serviced both in third-party banks and abroad.

Any financial transactions using plastic involve restrictions set by the payment system. For a corporate SB card, it is set at no more than 100 thousand rubles per day. Also, the owner of a cash settlement service can set a limit on a Sberbank business card at his own discretion for withdrawing cash and conducting non-cash transactions.

How to open and use a Sberbank business card

Registration of a corporate banking product is carried out directly by a legal entity - to do this, you need to contact a special customer service department and write an application for a Sberbank corporate card.

After registration, funds can be transferred for the “down payment”. An organization can independently set the limit depending on the needs of the enterprise. The register is then transferred directly to banking organization- only after this the plastic can be obtained and activated.

The main requirement when opening a corporate banking product is the presence of an individual business account. The client will need to write a special application on a bank form and enter into an agreement for a single service for the company.

Often, newly minted owners of corporate products are interested in the features of providing services on a Sberbank business card. For example, how to transfer money from an account to a Sberbank business card, where you can pay with it, how to issue a statement, find out the balance, make a top-up or transfer, and so on. Below are answers to the most popular questions from legal entities.

Question answer

Question: how to activate corporate plastic?

Answer: corporate card Sberbank is activated within 24 hours after receipt by the holder. You can also do instant activation using a self-service terminal - for this you need to perform any payment transaction with entering a personal PIN code (top up your account, check your balance, etc.).

Question: how to transfer money from a personal Sberbank card to a business card online?

Answer: the service of transferring funds to corporate plastic, carried out using bank details or by phone number, is not provided.

Question: how to transfer money from an account to regular plastic?

Poll: are you satisfied with the quality of services provided by Sberbank in general?

YesNo

Answer: funds can be transferred using an ATM, as well as the Internet banking system. The most convenient and in a fast way transfer is the transfer of money using the Mobile Bank service.

Question: is it possible to pay in a store with a Sberbank business card?

Answer: using business plastic, you can pay for any expenses in stores that have a service function using corporate systems. You can also pay for using hotels, book tickets with airlines, and so on. Additionally, it is possible to pay for the services of online stores. For payment you will need a personal plastic number, as well as. Not all stores can accept corporate banking products for payment - in some regions this service It does not work.

Question: how to set a limit on Sberbank plastic?

Answer: Each company can set a personal spending limit for an employee. Everything will depend on the powers granted. To do this, the organization must submit a special register to the banking institution, on the basis of which standard limits will be determined.

Sberbank corporate card is payment card of international importance, which is produced specifically for employees of various enterprises. Both legal entities and individual entrepreneurs can open this type of card.

This card allows you to perform the following operations:

Produce non-cash payments, paying for goods and services
Accept money from senders not only in Russia, but also while abroad
Make cashless payments for travel and entertainment expenses
Make cashless payments for business expenses
Withdraw cash for business expenses

A corporate card is beneficial not only for a particular company as a whole, but also for each of its employees individually. For employees, the card has the following advantages:

You can receive money in any currency and at any time
There is no need to carry large cash savings with you
It is very convenient to analyze the funds spent
When traveling to other countries, you do not need to open a foreign currency account
Using the card you can book a hotel or travel tickets
If your bank card is lost for some reason, blocking it will not cause any difficulties.

The card indicates the user’s personal data (first and last name) and the name of the organization in which he works. The card is valid for three years from the date of issue.

Procedures required to obtain a corporate card

To get a Sberbank corporate card, you need to follow the steps below:

Open special account, which allows you to keep track of actions taken with corporate cards
Make a transfer starting amount to an open account
Submit an application to the bank stating that you want to receive a corporate card
Get a ready-made card

Tariffication

Corporate cards for legal entities from Sberbank can be issued free of charge. A corporate bank card of a legal entity is serviced at a cost of 1,200 rubles per copy. Servicing value on foreign currency accounts is 50 American dollars or 50 euros.

Tariffs also provide for an initial contribution to the company’s account, which is at least 2,400 Russian rubles or 100 US dollars or 100 euros. A plastic card payment systems Visa and Mastercard Business with a special “Budget” tariff have the advantage of free registration and the ability to avoid making an initial payment.

Information about the card account of an individual entrepreneur

After an individual entrepreneur opens a current account with Sberbank, he can synchronize it with a plastic card.

The Sberbank business card for individual entrepreneurs allows you to transfer funds to it, which can be easily cashed out if necessary. The offer to individual entrepreneurs to open a current account with Sberbank is more profitable than in most other organizations engaged in banking activities. Sberbank business card for individual entrepreneurs allows you to pay in a convenient way, both on the territory of our country and on the territory of other states.

Availability synchronized with current account for an individual entrepreneur, a plastic card will allow you not to waste time on constant visits to Sberbank branches for the purpose of conducting and monitoring financial transactions. Since almost all necessary matters can be resolved using a card, the individual entrepreneur’s time in queues at a bank branch will be minimized.

Difficulties that arise without using a corporate plastic card

If an organization decides to send its employee on a business trip, the accounting department makes a request regarding expenses for air tickets, hotel rooms, daily allowance for the employee and other expenses. After analyzing this information, a decision is made to issue the employee a certain amount of money on account. When an employee returns from a business trip, he is forced to provide many different receipts, invoices and checks as a report.

The reporting procedure may drag on for a longer period if the company’s seconded employee did not spend all the allocated funds or, on the contrary, spent more than he was allocated and needs compensation. And if the inattention of an employee on a business trip led to the fact that some reporting documentation was forgotten somewhere, problems will arise with the accountant. Using Sberbank corporate cards allows you to avoid this type of problem.

Why Sberbank?

Sberbank of Russia is recognized as one of the best organizations issuing corporate plastic cards. Over the years of its existence, it has gained a reputation as a reliable financial partner among the country's population. In addition, convenient geographical position bank branches and ATMs in most settlements Russian Federation allows you to be firmly confident that using corporate plastic cards will be fast and comfortable.

The service for issuing corporate plastic cards has been available at Sberbank of Russia for quite a long period of time, so the reliability and ease of use of them have already been proven by many companies. Employees of companies who have a corporate plastic card from Sberbank of Russia become confident that money will always be available to pay for corporate needs.

The company's expenses become systematized and are clearly visible to the accountant, and the accounting workflow is optimized. All these factors allow us to conclude that Sberbank corporate cards should definitely be issued!

credituy.ru

Sberbank corporate card: what is it and how to get it:

For several years now, companies have been using corporate cards to make payments to clients. Travel expenses, entertainment expenses, expenses for business needs - all these amounts can be transferred to a separate account. A Sberbank corporate card is issued specifically for authorized persons of the enterprise. What it is, you will learn from this article.

Payment instrument

The international plastic card on the front side, in addition to the bank logo and the employee’s full name, also contains the company’s emblem. The bank offers two types of plastic cards for a company to choose from: Visa Business and MasterCard Business.

Using the card you can:

pay at retail outlets;
withdraw money from ATMs all over the world;
transfer funds to company employees.

Advantages

A Sberbank corporate card allows a company employee to:

do not spend your own funds on business needs, but receive an advance payment;
transfer cash to large sizes;
do not worry about the safety of money in case of loss of the card;
receive transfers from anywhere in the world;
book a hotel room, book a ticket on the airline website online.

The Sberbank corporate card allows the head of the company to:

without opening an account in foreign currency, transfer funds to an employee for travel expenses;
reduce operating costs;
control the turnover of funds in the account, analyze them in order to manage them efficiently in the future;
quickly increase spending limits if necessary;
reduce the cost of paying bank commissions for receiving cash.

Other Features

Sberbank corporate cards for legal entities can be used to pay for goods in online stores. Especially for these operations credit institution developed a more efficient transaction processing regime. Each operation is carried out after the introduction one-time password. You can get it at the self-service terminal. You just need to insert the card and print out a receipt with ten passwords.

How to apply?

First you need to contact the Sberbank branch that services corporate clients. Open an account and deposit opening balance depending on the conditions of the program. Next, you need to write an application to Sberbank (form 11) - “Receiving corporate cards.”

Cost control

When sending an employee on a business trip, the accounting department calculates the cost of hotel accommodation and tickets, and then issues the money for reporting. After the trip, the employee provides receipts, reporting on the expenditure of funds. The process drags on even longer if you need to return the excess amount, or the calculation results turn out to be incorrect. The accountant will have difficulties with paperwork. Sberbank corporate cards for legal entities will help solve these problems.

Abroad, this payment instrument has long been used to make transfers. Firstly, employees can receive funds from anywhere in the world, pay for services by bank transfer or withdraw money from an ATM. Even converting funds into foreign currency will happen automatically.

Secondly, the accounting department receives a detailed report on the use of money. The Sberbank corporate card is convenient in that you can set a limit for each of them and, if necessary, change it. Cost management is made easier. The accountant can independently track the movement of funds on each card. There is no need for stamped checks, recalculation or additional payments.

Thirdly, the employee will be able to transport large amounts of funds without fear for the safety of the money. If your Sberbank corporate card is lost, you just need to call the bank and block it. It's universal. In use it is no different from a classic debit card. Therefore, in case of loss, you need to submit a new application to the branch for a Sberbank corporate card.

Let's take a closer look at the features of using plastic and the reflection of information in financial statements.

Informing the tax office

When a Sberbank corporate card is issued for an individual entrepreneur or a legal entity, a separate account is opened. The Federal Tax Service, Pension Fund, Social Insurance Fund must be informed about this within 7 working days. Form No. S-09-1 is submitted to the tax office. It needs to inform you about the opening of an account, and not about the emergence of rights to the CESP. Information is submitted to other government agencies using the agreed form.

One main corporate Sberbank card for individual entrepreneurs and legal entities and several additional ones can be issued for one account. However, they can be issued to different employees. Government agencies must be informed about the release of each of them. The Sberbank corporate card is not displayed in any way on the company’s balance sheet. What is it and how to report? If the card is personal, then the bank simply issues a register of holders of payment instruments. There is no need to maintain a separate logbook.

Registration of cash transactions

Accountants complain that during inspections, inspectors fine the organization if the operation to withdraw money from an ATM is not registered in cash book. The funds do not physically reach the cash register. Accordingly, there is nothing to formalize such operations with. The same point of view is supported by the courts, refusing to allow the inspectorate to collect fines.

Nobody canceled advance reports

The funds in the bank card account do not belong to the employee, but he can spend them. Therefore, you must report expenses. You can use a unified report form or develop a separate one for your organization. The employee can attach invoices, cash receipts and sales receipts to the memo. Check the correctness of composition advance report an accountant can bank statements, which are sent monthly by the credit institution.

Accordingly, if an employee does not report for the money spent or directs the funds for other purposes, then they can be withheld from the salary. A single order from management is not enough to carry out such an operation. The amount of damage caused to the organization may be recovered if it does not exceed the average monthly earnings of the employee. But even if this is so, you need to take into account that the total amount of all deductions cannot be more than 20% of the salary per month. In this case, calculations are carried out from the “net” salary remaining after personal income tax payments. Sometimes an employee voluntarily returns the missing amount to the cashier. You can protect the company and employee from such situations by setting limits on each transaction.

businessman.ru

Sberbank corporate card: features, advantages and registration rules

Sberbank of Russia is the largest national banking structure, which provides numerous customers with only the highest quality and products that enhance their personal and professional lives. Unique offer for legal entities and entrepreneurs is the Sberbank business corporate card - the optimal alternative to the usual checkbook, combining functionality and ease of use.

What is a Sberbank Corporate Card? Its purpose, capabilities and conditions of use

In the past, most enterprises and organizations used special checkbooks, thanks to which economic activity it was more convenient. Now new financial products are being developed that are much more advantageous in terms of convenience and security. One of these options is a corporate card for individual entrepreneurs and legal entities, which can be obtained at any Sberbank branch. A card of this type is issued for a specific citizen who uses the company’s funds received on the balance sheet, with a subsequent report for their use.

Why is it needed?

A Sberbank business card is necessary to perform a number of actions in the interests of the enterprise, which include:

payment for services and purchase of goods for the company;
implementation non-cash payments;
payment of travel expenses, as well as expenses for representation;
non-cash payment for any business needs of the enterprise;
withdrawal of cash to pay for goods and services necessary for the company's activities.

Types of cards

A corporate card can be debit or credit. Calculations according to debit card can be made within the funds on the card. Accordingly, on a corporate credit card, payments by the holder can be made within the limits established by Sberbank credit limit.

The main advantages of a corporate card for company owners and employees

Registration of a corporate card opens up many convenient opportunities for owners of any type of business. Thanks to this banking product they can:

significantly save time on performing all important accounting transactions;
exercise control over the financial discipline of company employees;
lead financial statements with maximum convenience;
significantly save corporate money through control and competent organization.

Such a map is also necessary for company employees in order to improve and simplify many important aspects their professional activity. Owning a corporate card provides the following opportunities:

free access to finance at any time;
no risks of transporting large amounts of money;
cash withdrawals in any currency of the world during foreign business trips;
convenient booking, as well as payment for travel documents and hotels;
no need to raise your own funds;
quick and easy blocking of a bank card in case of its loss or theft;
easy reporting of all expenses and business trips to the accounting department.

Terms of Use

Sberbank of Russia provides several important conditions to open a corporate card and its further use. First, the enterprise must have an open business account. Secondly, it is necessary to compile a complete register of employees who will use this banking product. Thirdly, you should definitely set limits on the use of funds and top up your account.

Thanks to numerous advantages, the Sberbank corporate card receives positive feedback from clients. The presence of this banking product greatly simplifies a full range of financial transactions of the company.

It should also be noted that this type of card is not intended for issuing wages and implementation of various social payments

Current tariffs for using a corporate card

Before activating a Sberbank corporate card, you should familiarize yourself with the current tariffs. This banking product is issued free of charge, and further annual servicing is in accordance with the selected tariff plan and card type.

The cost of annual servicing of the most prestigious MasterCard Business and Visa Business cards opened in Russian rubles, is 1200 rubles, and in foreign - 50 euros or dollars, respectively. When opening such cards, you must make a mandatory down payment, the amount of which is twice the annual payment. Annual payment for the “Corporate” option for each cardholder is 250 rubles. A Visa card Business “budget” implies both opening and further maintenance on an absolutely free basis.

Rules for issuing a Sberbank Corporate Card

The corporate card from Sberbank is a very convenient financial instrument for business. With its help, you can fully control your cash flow and manage expenses with maximum efficiency. Funds deposited through an ATM or terminal instantly go to the corporate card account. For convenient card management, Sberbank Business Online Internet banking is used, in which you can easily submit applications for issue and reissue, set optimal limits, and also, if necessary, change information about the holder.

The Sberbank business card is an excellent solution for individual entrepreneurs and legal entities, designed to simplify financial transactions when conducting production, commercial and other types of activities. Visa and MasterCard Business – special offer financial institution to corporate clients, allowing various settlement transactions.

Before you go to apply for corporate plastic, you should understand what it is, what the tariffs are and how to use the payment instrument.

The capabilities of the described means for making payments and storing money are aimed at helping owners various types business in managing the financial flows of enterprises.

A Visa or MasterCard of the Business type is linked to the current accounts of companies that are opened. One of the advantages of the product is the ability to produce a large, unlimited number bank cards, which can be used by any authorized persons of the company. The head of the enterprise decides who and when to entrust the payment instrument.

How to get a?

The main condition for those who want to receive a plastic product is to have a current account. Every company has it, however, it is required to register it to work with business cards. For this:

Go to Sberbank Online on the corporate page.
Enter account details.
Click on the “Set as an account for Business cards” icon.
Go to the “Products and Services” menu item.
All that remains is to activate the business cards to launch the option.

Card design

also in online mode You can register the product for specific holders. Typically, LLC owners, individual entrepreneurs, etc. decide to order corporate plastic for those who work at the enterprise.

This is done like this:

Go to the “Holders” tab.
Click on “Add”.
Fill out the form that pops up on the screen, entering the employee’s personal data into it.
Place your plastic order by filling out new uniform, indicating in it:

the account to which the payment instrument will be linked;
card type, MasterCard or Visa;
name of the holder or holders.

Sign the application for opening electronic signature and send it to the financial institution.
Waiting for a decision to be made.

The status of your application will be reflected in the Applications tab. The finished card will be delivered to the Sberbank office where the company’s current account was opened.

Sberbank business card limits

There are 2 types of limits:

General. Depends on the rules in force at the enterprise.
Installed by the director or other responsible employee at the time of registration of the plastic.

The manager has the right to introduce restrictions on the total volume of financial transactions carried out using a Business card during the month, and on daily limit. Cash withdrawals and non-cash transactions are regulated.

How is the limit set?

The easiest way to set a limit is by going to personal page enterprises in the Sberbank Online service. Parameters can be changed in the “Maps” section. You need to enter the functionality of a specific payment instrument and set or change the conditions:

how much money is allowed to be withdrawn within a month;
how much cash can be withdrawn during the day;
non-cash transactions.

Having set the parameters, you need to click “OK”, and the system will remember the changes.

Business card tariffs

The most important information that every user must first receive is the tariffs for using the payment instrument.

The Sberbank business card is activated automatically. The following tariffs are provided for the standard package of services:

replenish plastic – 0.3%;
You can deposit no more than 100,000.00 rubles per day on each card;
You can withdraw no more than 170,000.00 rubles per day;
withdrawal within a month – up to 5,000,000.00 rubles;
withdrawals at Sberbank self-service machines – commission percentage 1.4%;
withdrawals at self-service machines of other institutions – commission 3%;
SMS notification connection – 60.00 rubles per month;
maintenance during the 1st year of use is free;
then the cost per year is 2,500.00 rubles.

Sberbank offers several tariff plans for business owners:

How to use a Sberbank business card

Financial product created for corporate clients Sberbank, looks like a regular card. If desired, it is possible to order plastic with an original design.

A unique business offer has some distinctive features:

Employees must always remember that the funds on plastic of the type described do not belong to them, but to the enterprise. You should regularly report to the accounting department about how the written-off money was spent.
The procedure for using the card allows cash and non-cash payments.
Since the card is not a credit card, there is no fee for withdrawing cash within the limit; however, you must collect receipts and submit them to the accounting department.
A business card will be especially useful on a business trip to pay for services and goods.
The described product is open to connect the function contactless payment and SMS notifications.

We can conclude that business plastic is a convenient tool for corporate use.

Withdrawing cash from a Sberbank Business card

The main thing that the described plastic gives is the ability to withdraw money and pay in stores and online.

Receiving cash from a self-service machine is carried out according to the standard scheme:

Insert the plastic into the card reader.
Enter your PIN code.
Select the “Cash Withdrawal” option.
Indicate how much you intend to withdraw.
You receive the required amount.

Important: the owner of a plastic business can not only withdraw money from it, but also deposit it.

Transfers to a card

A distinctive feature of the described Sberbank product is that you cannot send transfers to it online from another card. Even the owner of the enterprise is not vested with such powers.

The user will not be able to withdraw money from business plastic to his own card, since transfers from it are also not provided.

The only way to replenish is to deposit funds into a current account and then distribute them among employees’ payment instruments.

SMS notification

The cardholder can independently activate the SMS information service. You can do this:

by personally contacting the institution’s office;
by sending an application through Sberbank Business Online.

It is allowed to attach one phone to one piece of plastic of the described type. If the number changes, the user must inform Sberbank about it.

Power of attorney to receive a corporate card

If the cardholder cannot receive it from Sberbank because he is abroad or for other reasons, authorized persons can pick up the card from Sberbank.

To receive a card from Sberbank for another person, you need to provide a passport and a special form of power of attorney provided for such cases.

The power of attorney can be notarized or written by the owner without notarization. It is important to indicate whether the applicant is authorized only to receive the card or has the right to operate with it. That is, the person giving the power of attorney must write whether it is possible to pay by card and take cash from it to the authorized person.

Blocking and closing the card

If you need to close a Sberbank Business card, the closure is done at the branch, where you need to contact a specialist from the institution and write an application.

You can block a payment instrument using standard methods:

V personal account on the Sberbank resource;
in a self-service machine;
by phone;
in person.

Reissue of Sberbank Business Card

According to Sberbank rules, the described product can be reissued ahead of schedule or as planned. In both cases, the procedure is carried out free of charge.

If a reissue is required, you need to contact the financial institution’s office.

Product benefits

The payment method for business clients has the following advantages:

the manager receives notifications about all transactions made using plastic;
thanks to the ability to view all transactions online, the enterprise administration can analyze expenses and optimize them;
can be topped up through self-service machines;
the ability to pay for services and goods without completing additional documents;
the business card is accepted for payment outside Russia, which is convenient for business travelers; they do not need to present financial report on expenses upon return;
can be installed individual limits and restrictions;
You can receive cashbacks by participating in Sberbank promotions.

A business card makes the process of managing a company’s finances simpler.

Conclusion

Numerous reviews located on financial forums show that business plastic, be it the budget “Easy Start” card or the more expensive “Optima+” card, is convenient and provides comfort of use corporate funds both for management and employees.

While people are discussing available cards Sberbank, a financial institution is testing new products for users to make banking services even more convenient and beneficial for customers.

For individual entrepreneurs and other legal entities, having a Sberbank bank card as a payment option allows you to simplify financial management.

Can an individual entrepreneur use a bank card account?

Sberbank business cards are specially issued for individual entrepreneurs as a source of expenses. An individual entrepreneur can use a bank card account when paying for services provided, for entertainment and business expenses:

The card is issued under the current account of an individual entrepreneur;
Only authorized company employees can use a bank card account.

Features and benefits of the card

Availability banking business— Sberbank cards entail a number of features and advantages.

The business card, by its features, is a debit card; if possible, you can open a credit account.

For a company you can issue a large number of cards, a register from the list of employees must be submitted to the bank, which will be authorized to use the company's current account.

The appearance of the card is green, the card number consists of 16 digits, the initials of the card holder are printed on the front part.

The card is valid for three years, then it is automatically reissued. When a payment instrument is issued, it is marked with the company name and initials of the holder.

The main advantages of Sberbank business cards:

If you have a bank card, an individual entrepreneur does not need to create payment orders and take them to the bank.

Conditions for issuing a card

To obtain an individual entrepreneur business card, you must contact the bank branch with an application. It is necessary to replenish the balance of the current account in the form down payment behind annual maintenance cards.

When choosing the “Easy Start” tariff, the first year of card servicing is free.

You can also submit an application for card issue electronically through the banking portal. You must fill out an application at in electronic format, select the card type (VISA or MASTER CARD). The application is signed with an electronic digital signature of the individual entrepreneur and sent to the credit institution.

The card can be issued in any quantity, and the account will remain unchanged.

All issued cards will be attached to one account.

When a plastic card is issued, a limit is set on it for spending transactions (more about limits below). The card production time is 7-10 days.

Upon receipt of the card, the holder needs to activate it; this can be done in several ways:

Activation occurs automatically within 24 hours from the moment the card is issued or issued;
Self-activation of the card through a Sberbank ATM;
It is possible to activate a plastic card by contacting an operator or bank consultant.

Activation of the card will not be possible if there is no amount in the current account that is less than the established limit or if there is no money at all.

The bank may refuse to issue a business card. if there are suspicions of financing any prohibited or illegal activity. In this case, the card will be blocked and the online service will be disconnected.

Tariffs for the use and maintenance of plastic

Sberbank business cards are issued in two types - Visa and MasterCard:

There are three types of Sberbank card for individual entrepreneur payments:

Budget card;
Card linked to the main account of the individual entrepreneur;
A card linked to a business account.

For Budgetary type provides free service, binding to a current account is required. Service for such a card is available only at Sberbank branches. Free operations are available for the client free service, re-issuance of a card upon expiration, suspension, etc.

For the card, Linked to current account ,service occurs under standard conditions. A year of service will cost 2,500 rubles.

Plastic product designed to Business - account , is serviced on a paid basis (2500 rubles per year) with an initial payment of at least an annual service.

There are several types of tariff packages for individual entrepreneurs:

"Easy start"— 3 free payment transactions, with subsequent transactions costing 100 rubles;
"Minimal +"— 5 free payment transactions, followed by a cost of 50 rubles, the possibility of free account replenishment up to 30,000 rubles, the cost of card servicing is 990 rubles;
"Basis +"— 20 free operations per day, each next operation is 11 rubles, free refill bills up to 100,000 rubles, service cost 2,100 rubles;
"Optima +"— 100 free payment transactions, service cost 3100 rubles.
"Lucky Season"— the cost of service is 490 rubles, suitable for seasonal business.
"Great Opportunities"— the cost of service is 8,000 rubles, a 50% discount is provided on all services.

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Limits and restrictions on the card

Cards intended for business activities have their own limits and restrictions:

For MasterCard and Visa budget cards, the cash withdrawal limit is 300,000 rubles per day, the possibility of crediting cash to the card is 100,000 rubles.

Cards linked to a business account have a withdrawal limit of up to 5,000,000 rubles per month, the card can be used abroad.

A plastic card with a company current account is issued with a cash withdrawal limit of up to 170,000 rubles per day.

Cash withdrawals from Sberbank ATMs come with a commission, its size is 1.4% or at least 300 rubles; through ATMs of other banks, the commission amount for cash withdrawals is 3%.

Payment for goods by non-cash method is not subject to commission. You can deposit up to 100,000 rubles in cash per day, the commission is 0.3% of the deposit amount. Maintenance cost Mobile banking is 60 rubles.

According to their own functional features The Sberbank business card is similar to a regular Sberbank plastic card. With a business card you can:

Pay for goods and services;
Withdraw money from an ATM;
Replenish an account.

The only difference is the restriction on money transfers:

In order to transfer money to an individual entrepreneur's payment card, you must first transfer money to a current account, and then top up the card from the current account.

You can deposit funds to your card through an ATM. You can withdraw cash within the allowed limit and established tariff, but a commission will be charged.

Using a business card for personal purposes is strictly prohibited.

Reissue and blocking of the card

When issued, the plastic card is equipped with all safety certificates and security features.

The card has a special magnetic tape and a chip. Simultaneously with the issuance of the plastic card, the holder is given a PIN code. When you issue a plastic card, a number is attached mobile phone for SMS notifications about expense transactions on the card.

On this moment A plastic card is a reliable means of saving money.

A business card can be reissued according to certain rules and actions. The card is reissued in the following cases:

The card has expired;
Loss;
The card is jammed inside the ATM making it impossible to return it.

To re-issue plastic, you must contact a bank branch with a written application for re-issue or fill out a form through the Sberbank Business Online information portal.

Upon expiration of the card, the card is reissued automatically; the holder only needs to pick it up at a bank branch upon presentation of a passport.

The card production time is 2-3 weeks before the card expires.

If the card is lost, the holder must block the plastic card and then submit an application for reissue.

There are several ways to block a card:

Call to a Sberbank branch;
Send SMS using Mobile Banking;
Block the card through Sberbank Business Online;
Visit a Sberbank branch to block your card.

Once the card is blocked, any withdrawal and payment actions will be unavailable.

The card holder or the bank can block the card if there is an assumption that someone else is using the card.

How to link a Sberbank card to an individual entrepreneur's current account

When opening a current account, an individual entrepreneur has the opportunity to link this account to plastic card. Using a business card, you can transfer funds or cash them out through a Sberbank ATM.

In order to link a Sberbank card to an individual entrepreneur’s current account, you need to contact a bank branch with a prepared package of documents.

It is necessary to make a list of employees who will be allowed to use this card, attach applications and powers of attorney, and also enter into an agreement with a credit institution.

You can also link your Sberbank card to your current account through the Sberbank Online information resource.

A bank card linked to an individual entrepreneur’s current account makes work much easier. Using such a payment instrument, you can pay various types of expenses, without filling out payment orders and other additional papers.

Today, having a Sberbank settlement card for individual entrepreneurs greatly simplifies the procedure for doing business. The workflow is optimized and the risk of loss is reduced large sum cash. With a Sberbank business card, the client receives full access to all financial processes of his business.

Firstly, you or your employees can pay with a business card at any time. Secondly, payment does not depend on the work and workload of your accounting department. Thirdly, you regulate spending on a business card by setting limits, which can be quickly changed depending on your needs. You can reduce or increase the limit of a business card without visiting the bank using Sberbank Business Online.

For what expenses can I use a business card?

You can pay any company expenses with a business card. It is especially convenient to use a business card for booking tickets and hotels on business trips, purchasing stationery, paying for any business expenses, fuel at gas stations, hospitality and other expenses.

How are expenses on a business card accounted for?

You can track expenses on a business card in the same way as with any other expenses. If you have an individual entrepreneur on the simplified tax system 6%, a patent or UTII, then you can use a business card as a regular bank card. If your company uses for tax accounting traditional system with VAT or simplified tax system of 15%, then you need to collect the entire package of documents (invoices, checks, etc.) so that you can take into account the costs of the business card when calculating the tax.

How many cards can be issued for one current account?

You can issue any number of business cards, there are no restrictions.

Do you deliver business cards to your home?

We issue cards and PIN envelopes at bank offices at the place where the current account is maintained. We do not currently deliver cards to your home, but we are working in this direction. As soon as such an opportunity arises, we will publish the news on our website.

Can I withdraw cash from a business card?

Yes, you can withdraw cash, but there is a fee involved. In this case, the withdrawal rate will be lower than when using a checkbook. Find out more on the page “Tariffs for opening and servicing a current account.” And by paying for purchases with a business card, you will save on commission: there is no commission for non-cash payments.

Is it possible to transfer money to a business card from a personal card using the card number or phone number?

No, this service is not provided.

Is it possible to transfer from a business card to a personal card?

No, transferring from a business card to a personal card or other corporate card is not available.

Are there any restrictions on cash withdrawals from a business card?

The holder of a business card can receive cash from a current account within the established limit, but no more than 170,000 rubles across all accounts of the enterprise per day and no more than 5,000,000 rubles per current account during a calendar month.

What business card limits can my company set to limit spending?

Each business card holder can set individual limits for a month or a day. Types of limits:

The total limit on spending transactions on the card during the month. This includes both non-cash transactions and cash withdrawals. This limit must be set
Limit on receiving cash by card within a month and day
Limit on non-cash transactions on the card during the day. This includes transactions in trade and service enterprises, non-cash transfers and payment for services at ATMs and terminals

Can I use a business card abroad?

Yes, you can use a business card when traveling abroad to pay for goods and services or to withdraw cash.

What bonuses and discounts can you get when paying with a business card?

The Sberbank business card will give you access to discounts and additional benefits provided by partner companies. Check out partner offers that match your card type: Mastercard Business or Visa Business, and choose what suits your company.

Can I use salary cards instead of business cards?
For example, transfer funds to an employee’s personal card if he subsequently withdraws funds through an ATM for travel or business expenses.

It is more correct to issue business cards for these purposes. Their use allows you to set limits and control targeted spending funds to prevent fraudulent activities.

While on a business trip, it is more convenient for a manager to buy tickets and pay bills in hotels and restaurants with a personal card, because bonuses are awarded for this.
Is it necessary to use a business card to pay for travel expenses?

Using a business card allows you to financial flows own funds and enterprise funds, which simplifies and makes accounting more transparent, prevents overspending, and eliminates the need for constant monitoring of their intended use. In addition, with Sberbank business cards, as well as with personal cards, discounts apply. You can find out about partner offers corresponding to the type of business card: Mastercard Business or Visa Business.

It is more convenient for our organization to pay contractors through standard payments, since it is then easier for sellers to receive a VAT refund.
What are the advantages of using a business card in settlements with counterparties?

Settlements with counterparties using business cards are free service bank, in contrast to non-cash payments, the price of which depends on the counterparty bank.

With frequent business trips of different employees, it is necessary to issue a new business card for each, which is associated with additional costs.
Is it possible to issue a universal business card?

Only personalized business cards are available for issue. At the same time, a business card allows you to clearly understand who exactly makes transactions and manage limits for each holder.

Do I need to open a second current account if I have an overdraft?
After all, this will entail additional costs.

To use a business card with an overdraft, organizations do not need to open a second current account. The exception is organizations that use the Sberbank-Corporation service.

Since the business card is linked directly to the current account, is there a risk of uncontrolled spending of funds?

The use of business cards eliminates the possibility of accountable persons spending funds in excess of established limits.

How long does it take to change the business card limit?

Changing the limit of a business card in Internet banking will take much less time than a trip to the bank. The maximum time during which this occurs is one hour.

Do business card reports come online?
Is it possible to control an organization's expenses on a day-to-day basis?

When carrying out operations to receive or issue cash using a business card, reports are received within 20 minutes, which allows you to monitor expenses daily to be reflected in accounting.