Sberbank bank deposits for legal entities. How to open a deposit for legal entities in Sberbank? Deposits for legal entities in Sberbank

Sberbank is the oldest and most stable bank in the Russian Federation. Today the financial institution has little resemblance to the Soviet savings banks, which still functioned 10-15 years ago.

The bank keeps pace with the times, constantly improves its services, introduces new technologies and is proud to be called a universal bank that provides high-quality service, high-tech service.

Many large corporate clients prefer to open current accounts, receive loans, and conclude deposit agreements with Sberbank. We will talk about the last service below.

Conditions

Any legal entity or individual entrepreneur can conclude an agreement on opening a deposit. This service is also provided to non-resident legal entities.

To open an account, a bank client (a legal entity or individual entrepreneur who has a current account) needs only to submit an application for joining to the bank.

New corporate clients have several documents that are required according to the current legislation.

A legal entity will be able to open a deposit not only at the bank's office, but also remotely, while the rate will be higher. The period for which a deposit can be made is from 1 day to three years.

Please note that for some deposits it is possible:

• replenishment;
• early revocation.

Expense transactions on such deposits are not provided.

It is also worth remembering that deposits legal entities and individual entrepreneurs are not subject to state insurance.

Clients can independently contact insurance companies and insure their savings, while all costs associated with insurance transactions are borne by the client.

How to open?

Open the contribution of an individual entrepreneur or legal entity. the person can at the bank office. To do this, you need to write an application for joining and provide it to your personal manager.

After that, it is necessary to prepare the documents requested by the bank, sign an agreement.

Corporate clients who have current accounts with Sberbank can open deposits remotely. In this case, the rate will be higher than when contacting the bank.

Bank offers

You can open a deposit in Sberbank to a legal entity or individual entrepreneur at the bank's office or remotely.

When you open a deposit remotely, the rate will be higher. But in any case, for each client, the bank prepares an individual offer after a detailed study. financial condition enterprises, as well as the timing of the placement of free funds and the amount.

Below in the table are the main conditions (without interest rates):

Sberbank deposits for legal entities in 2019

The bank offers profitable terms placement of free funds in 2019 for individual entrepreneurs and corporate clients:

1. "Classic" - the contract can be concluded for 7-1096 days remotely or with a personal manager in the bank, it cannot be terminated ahead of schedule. Investments are also not provided. Minimum amount - no restrictions, maximum no more 100 000 000 ... Prolongation is allowed.
2. "Replenished" - the contract is concluded remotely or in the office for 31-366 days, interest is calculated individually.
   

   The deposit provides for replenishment, expense transactions and early withdrawal of funds - no.

3. "Revocable" - the contract is concluded for 31-366 days online or with a manager, with the possibility of early termination of the contract (but not earlier than from the 7th day of the transaction).
   

   Replenishment of the deposit, as well as debit transactions, are not provided. Interest is paid to the client's account on the day the transaction is closed.

Want to know what it is? In our article, you will find complete and up-to-date information about this type of lending.

If you are looking for an answer to the question -, then you need to read the article provided by the link.

Bank clients, especially large corporate clients, can count on individual program placement of funds.

Interest rates

For corporate clients, the bank sets interest rates individually, after examining the conditions of the client (placement period, at what monetary unit contribution, amount, etc.).

The preliminary rate can be clarified with the bank on the day of contact (Sberbank updates information daily) or calculated using a calculator yourself.

Insurance

According to the current legislation, banks of the Russian Federation can insure deposits individuals.

Sum insurance compensation reaches 1,400,000. However, legal entities are not provided with such an opportunity.

But in order to protect their savings, a legal entity can independently insure its contribution and, of course, pay everything insurance premiums at your own expense.

You can insure your deposit in an insurance company, which will pay compensation in the event of the closure of a banking institution.

Requirements for depositors

The doors of the bank are always open for legal entities and entrepreneurs.

Moreover, the bank's clients can be non-resident legal entities RF. The bank offers excellent conditions for corporate clients.

To open an account, the bank must prepare originals of some documents (registration certificate, registration certificate tax authority and some others), as well as sign an application for accession.

A package of documents must be collected if the depositor is not a client of the bank (a current account is not opened), otherwise, only an application for accession is sufficient.

List of documents

To open a deposit account, a corporate client - a resident legal entity needs to prepare:

Certificates of state registration, tax registration;
an order on the appointment of a person authorized to sign documents for opening a deposit;
a questionnaire filled out by the client, which contains information about the corporate client, his activities.

If an individual entrepreneur contacts the bank, he needs the following package of documents:

• application for accession;
• certificates of tax registration and state registration;
• business license;
• information about the client.

If a legal entity or individual entrepreneur is already a client of the bank, these documents, except for the application for joining, are not required by the financial institution.

When contacting a non-resident bank, a completely different package of documents is required.

How to withdraw money?

Please note that in Sberbank, deposits opened by a corporate client are not withdrawn ahead of schedule, except for the "Revocable" deposit (and then no earlier than 7 days after the signing of the documents). That is, clients cannot claim and dispose of their funds before the end of the term.

Upon expiration of the term, the bank transfers the money (if the deposit is not prolonged) to the client's current account (the entire amount of the deposit and accrued interest) specified in the agreement.

Cash or corporate card money is not transferred, only to the current account.

And find out what are the terms of use by credit card Sberbank "Momentum", you can by.

Pros and cons

The desire of every responsible manager of an enterprise or individual entrepreneur to find a financially stable financial institution, in which it is possible not only to carry out settlements with counterparties, but also to increase available funds.

It is this bank that many large enterprises, IE consider Sberbank and there is a logical explanation for this:

• the bank works individually with each corporate client (selection of loyal and attractive conditions);

• for bank clients, it is enough to provide one application for opening a deposit;

• high rates, attractive other conditions: replenishment, partial withdrawal;
• deposits can be opened remotely.

Large corporate clients can expect a higher rate.

As for the shortcomings, corporate clients who are constantly served at the bank do not find them.

Russian commercial banks offer deposit services not only to private clients, but also to legal entities. This service is necessary for enterprises that have free funds that are not in circulation, because if you do not invest free capital, then it loses its value over time due to inflation. Therefore, it is also profitable for legal entities to invest money in a bank at interest, if they are not currently in circulation. For this category of clients, Russian commercial banks also have several advantageous offers... In addition, deposits for legal entities have a number of features, which we will consider below.

General conditions for placing deposits for legal entities

The bank deposit of legal entities is somewhat different from those proposals that are aimed at private clients. First of all, all deposits provided to entrepreneurs can be divided into two categories: urgent and “on demand”. I.e, time deposits Are contributions that have a certain period, for example, from 1 day to several years. Demand deposits are distinguished by low interest rates and complete freedom of action for their owner, in a word, he can withdraw cash and replenish the account an unlimited number of times.

Time deposits are more appropriate for legal entities, because they are characterized by high profitability, and can also have various parameters, including partial replenishment and withdrawal of cash, as for interest rates on demand deposits, they range from 0.1% to 0.01% per annum. Accommodation conditions Money on the deposit account can also be different, including with or without the possibility of prolongation, for example, after the expiration of the agreement, the bank deposit is transferred to a “demand” account.

For legal entities, deposits can be divided into two groups, revocable and irrevocable. Revocable deposits offer partial withdrawal of funds from the account during the term of the agreement without loss of profitability, irrevocable accounts do not provide this opportunity.

Please note that it is more expedient to open along with the contribution to commercial bank a separate account in order to be able to transfer income from the deposit to it, if the accounts are in different banks, then profitability will decrease by the size of the commission for the interbank transfer.

What is the difference between deposits for legal entities

In fact, corporate deposits have several significant differences. Let's list them:

• increased interest rate;
• complex registration procedure;
• a high amount of the initial payment, as a rule, from 1 million rubles;

In addition, as already mentioned, banks offer various deposit options, including with the possibility of capitalization of interest, partial cash withdrawal and account replenishment, in fact, all essential conditions cooperation is enshrined in the service agreement.

Where to open a deposit

Currently, there are about 500 commercial banks operating in Russia, and almost each of them is engaged in servicing corporate clients, for sure, the product line includes an offer for legal entities on deposits. Consider several large popular commercial banks that provide this service, as well as all its conditions.

Sberbank of Russia

Sberbank of Russia is the leader among commercial banks in Russia, it is here that settlement accounts many entrepreneurs, including representatives of small, medium and large businesses, therefore the bank has prepared several deposit offers with different parameters for them. Partial replenishment and withdrawal of cash is not provided for the classic deposit, the general conditions of the deposit: minimum amount unlimited, maximum up to 100 million rubles, the terms for placing funds on the account range from 7 days to 3 years.

Interest rates on a classic deposit depend on several circumstances, first of all, on the amount of the deposit, the term for placing funds, as well as on the category of depositors. The minimum interest rate for legal entities is 5.24% per year and increases depending on the amount of the deposit and the term of the contract. Individual entrepreneurs receive less favorable conditions on the deposit, for them the minimum interest rate is from 4.7% per annum.

If you are interested in a replenishment deposit, then there is such an opportunity. According to its terms, the terms of placement of funds are from 1 month to 1 year. An initial fee should be no more than 100 million rubles, replenishment of the account is allowed in the amount of 10 to 200% of the deposit amount.

Interest rates for legal entities and private entrepreneurs also differ. So, for legal entities the interest rate is from 4.7% per year, for individual entrepreneurs from 3.89% per annum.

A revocable deposit allows partial withdrawal of cash, but there is no possibility of replenishment, according to its terms, the amount of the deposit should not exceed 100 million rubles, for a period from one month to 1 year, the rate is set individually for each client, depending on his status. For example, for legal entities minimum rate approximately 4.2%, for individual entrepreneurs 3.62%. As for the withdrawal of cash, you can receive funds only after the seventh day of the start of the term of the deposit upon written notification of the bank at least 3 working days.

Sberbank business online for entrepreneurs

These are not all deposits for legal entities. Sberbank's rates are flexible and depend on many circumstances, first of all, on the term of the agreement and the amount of investment. If you want to calculate the profitability of your deposit account, you can go to the official website of the bank for corporate clients and calculate your profit yourself.

Please note that when placing deposits online, there is an increased interest rate.

Alfa Bank

It is also one of the largest banks in our country, which is one of the ten most reliable and proven ones. There are also deposit offers for legal entities. There are two proposals for legal entities here: bi-currency and indexed deposits. A dual-currency account assumes conversion into currency after the expiration of the contract. The essence of the proposal is that the profitability of the account can be increased by converting the deposit into another currency. Structural deposits do not provide such an opportunity.

As for the deposit options, they do not allow partial replenishment or cash withdrawals. The minimum period for placing funds is from 1 week to 3 years; the minimum amount is from 1 million rubles, in foreign currency is equivalent to one 1,000,000 rubles. As for interest rates, here for each individual client the bank selects individual conditions cooperation.

VTB 24

VTB 24 Bank offers its clients a "Term" business deposit, according to the terms of this deposit, you can get profit from the deposit on a monthly basis or at the end of the contract. The agreement can be concluded for a period from 1 day to 3 years, you can open an account in different currencies: rubles, dollars or euros. Partial deposits and withdrawals are not available. As for interest rates, they are strictly individual, the minimum value for ruble accounts is 7.1% per annum.

The "Replenishing" deposit assumes the possibility of replenishing the account with a minimum amount of 100,000 rubles. Term from two months to 2 years, currency: rubles, dollars or euros. You can make a profit on a monthly basis or at the end of the contract, interest rate from 6.12% per year for a ruble account.

The "Comfortable" deposit allows you to make a profit only after the expiration of the contract, the terms range from 1 day to 3 years. According to the terms of this offer, the depositor has the opportunity to withdraw funds ahead of schedule and make a profit at the "demand" rate the minimum interest rate for this offer is 7.01%.

Betting at VTB 24

Please note that the profitability of an account for each client is determined individually, depending on the parameter of the deposit account.

Rosselkhozbank

Here representatives of small, medium and large businesses can open a deposit account on individual terms. As for deposit programs, the bank offers the following programs for placing free funds for micro-businesses and small businesses:

1. "Stable" with the possibility of making a profit on a monthly basis for a period from 1 day to 3 years.
2. "Dynamic" with the possibility of replenishment, the term is agreed between the bank and the depositor separately.
3. "Convenient" with the possibility partial withdrawal cash, for a period from six months to 2 years.
4. "Operational" with the ability to receive cash and partial withdrawals.
5. "Structural" is a dual-currency deposit for up to 1 year.

For medium and large businesses, the bank offers the same deposits. As for interest rates, they are determined individually for each client, that is, there is no specific table of values ​​for deposits, you can find out the essential terms of the agreement directly at the bank.

Plus Bank

This is not the largest bank in our country, but, nevertheless, it is he who offers high rates on deposits in rubles. For legal entities, there are several deposit offers here, consider the interest rates for them:

1. "Urgent account plus" - interest rate from 11.7% per annum.
2. "Business Convenient Plus" with replenishment - interest rate from 9.4% per year.
3. "Business Reliable Plus" with the possibility of replenishment - rate from 10.9% per year.

Please note that the minimum amount for placing funds on the account is 100,000 rubles.

Method of registration of a deposit for legal entities

The main feature of deposits for legal entities is that it is much more difficult to issue it, because to open an account you will need a voluminous list of documents. The package of documents includes:

1. Certificate of state registration of a legal entity.
2. Certificate of registration with the Tax Inspectorate.
3. Articles of association.
4. Sample signature card officials and seals of the organization.
5. Statement.
6. Orders for the appointment of managers to the appropriate positions.
7. Official passports.
8. Information letter from Goskomstat.

Important! Goskomstat is federal Service state statistics. You can order a newsletter online on the official website government organization, the procedure for its registration will take only a few minutes.

Offer from B&N Bank

Taxes for legal entities

For legal entities and individuals, there are the same tax rates on the deposit, it is calculated depending on the refinancing rate of the Central Bank of Russia. That is, you need to pay tax only on the amount that exceeds the refinancing rate + 5% on the deposit.

Taxation of interest on deposits of legal entities is carried out as follows, the refinancing rate is deducted from the interest rate and again another 5%, the rest is subject to taxation. For example, if the refinancing rate is 8%, and the deposit rate is 15%, the amount from which the tax will be withheld is calculated as follows: 15-8-5 = 2%. It is from 2% of the profit from the deposit that tax will be paid.

Please note that taxes on deposits are paid by the bank.

To summarize, the placement of deposits of legal entities is an acceptable way of capital investment. Of course, you can invest your money not only in a bank, but also in other projects, however, bank deposits- this is the most reliable way, although not the most profitable.

Effective management financial flows the enterprise allows you to significantly reduce the risks of insolvency of the company, as well as receive additional profit from monetary assets.

Dear Readers! The article talks about typical solutions legal issues but each case is different. If you want to know how solve your problem- contact a consultant:

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And if the determining factor when choosing a lender, in most cases, is the price, then for making a deposit it is important how reliable the bank is and how it fulfills its obligations to depositors.

We talked a lot about Sberbank loans, so today we decided to focus on the terms of deposit programs of this popular financial institution.

A credit institution holds a leading position in almost all types of banking in the RF, incl. on account balances and deposits of legal entities.

For legal entities, the bank offers 9 deposit programs for up to 1096 days.

About the bank

Sberbank of Russia is the largest universal bank in Russian Federation and the CIS, which has the widest network of branches and offers its clients almost the entire range of investment banking services existing on the market.

The undisputed leader among Russian banks in terms of key performance indicators, including funds from enterprises and organizations, regardless of the placement period.

In general, in Russia as of 01.01.2016. Sberbank accounts for:

• 28.7% of total banking assets;
• 46% of population deposits and 30% of funds of enterprises and organizations;
• 38.7% of loans to individuals and 32.2% of loans to legal entities.

More than 50% of the shares of a financial institution are owned by the state represented by Of the Central Bank RF.

Placement procedure

According to the standard procedure for registration of a deposit, the client must submit a completed application for joining to the bank using the bank's remote service system.

Also, you can conclude a deposit agreement under an agreement on general conditions raising funds using a remote service system.

The bank itself can replenish the deposit account, if it has:

• money on the client's account, sufficient for the operation;
• the client's current account;
• executed documents on the deposit.

Prolongation of deposits is possible on the terms published on the bank's website on the penultimate day of the deposit

The documents

To register a deposit, you will need to provide a standard package of documents:

If available at the bank (at the place where the agreement was concluded) required documents resubmission of documents is not required.

Types of deposits for legal entities in Sberbank

Sberbank of Russia offers four types of deposits for customers with the possibility of processing both at the branch and through the bank's remote service systems:

• Maximum;
• Classical;
• Refillable;
• Recallable.

Deposit products, for which registration is possible only remotely, have the corresponding extension "... Online". On such deposits, the interest rate is higher than that of a similar deposit drawn up in a Sberbank branch.

For clients wishing to make a deposit on special terms, the bank offers to use the product "Deposits on other terms".

Within the framework of the existing products of the bank, customers have the opportunity to place funds for a period of 31 to 1096 days, while the interest rate depends not only on the amount and term of placing funds, the selected type of deposit product, but also on the customer segment.

When concluding a deposit agreement on a deposit, the bank sets the size of the interest rate, which is valid on the date of receipt from the depositor of an application for joining the conditions for attracting funds to the deposit.

Interest rates are set daily, and you can familiarize yourself with the current conditions in the corresponding section of the website of the financial institution

On the this moment all deposit programs of the bank provide for the payment of interest only at the end of the term.

Depending on the deposit product, the client has or is not able to conduct following operations by deposit:

• full or partial withdrawal of the deposit;
• increase in the amount of the deposit.

Despite the existence of restrictions on the withdrawal of a deposit, if necessary, depositors still have the opportunity to return their funds at any time in accordance with the current legislation of the Russian Federation.

Carry out such an operation by submitting an appropriate requirement for an indisputable write-off, while the interest on the deposit will be recalculated based on the following values:

• 0.1% per annum - for deposits in rubles;
• 0.01% per annum - for deposits in foreign currency.

Video: Money for any period from the 1st day

"Maximum Online"

A feature of the deposit "Maximum Online" is the highest interest rate in comparison with other deposits of Sberbank.

Conditions

You can make a deposit in Sberbank from April 4 to July 31, 2018 on the following conditions:

Interest rates

In general, the size of the interest rate on the deposit "Maximum Online" is calculated based on the values ​​of the deposit "Classic Online" and "Maximum", multiplied by the corresponding coefficient:

% rate "Maximum Online" =

1.13 *% rate "Classic Online" OR 1.07 *% rate "Maximum"

"Maximum"

A deposit with an increased interest rate without the possibility of early withdrawal and replenishment of the amount, allowing you to receive maximum income on deposit

Conditions

The main parameters of the deposit product:

By this contribution as well as for the deposit "Maximum Online", the possibility of registration is provided only for clients of legal entities who place a deposit in the period from 04.04.2016 to 31.07.2016.

Interest rates

% rate "Maximum" = 1.13 *% rate "Classic"

"Classical"

Traditional deposit, providing for the payment of interest at the end of the term, without the possibility of change the original amount contribution

Conditions

Basic conditions of the deposit:

Interest rates

Interest rates on the "Classic" deposit have different meanings for individual entrepreneurs and legal entities, and also have a gradation depending on the amount.

You can get acquainted with the limit values ​​for the size of the bet here:

"Classic Online"

Deposit "Classic Online" continues the line of deposit products with remote registration.

The deposit product has similar conditions for placing funds with the traditional prototype - the "Classic" deposit, with the exception of the possibility of registration at the branch and offering a higher interest rate than the "Classic" deposit.

Conditions

The main conditions of the deposit differ only in the method of registration and the size of the interest rate from the "Classic" deposit:

Interest rates

Interest rates on the deposit "Classic Online" are also divided based on the client's segment, and familiarize yourself with the maximum and minimum values can be here:

"Refillable"

The deposit makes it possible to increase the amount of the deposit while maintaining the interest rate on the replenishment amount.

Conditions

The main conditions of the "Replenished" deposit are presented in the table below in the text:

Interest rates

The interest rate for this type of deposit also depends on the client's segment, and is in the following range:

"Refillable Online"

The Deposit "Replenished Online" is an analogue of the deposit "Replenished. Has more high rate and is issued only remotely in comparison with the analogue.

Conditions

The main conditions of the deposit from the prototype - the deposit "Replenished" only by the method of registration and the interest rate:

Interest rates

Interest rates on the deposit "Replenished Online" correspond to the rate on the deposit "Replenished" by the term and amount of placement, multiplied by a coefficient of 1.07.

Deposit rates also differ for legal entities and individual entrepreneurs, and are in the following range:

"Recallable"

Deposit with the possibility of early termination of the deposit. Deposit replenishment is not provided.

Conditions

The main conditions of the "Revocable" deposit are presented in the table below:

Interest rates

You can get acquainted with the marginal interest rates for legal entities on the deposit here:

"Revocable Online"

This contribution is also analogous to its more traditional prototype - the "Recallable" contribution.

The main differences, as with all deposits from the product line of the bank's deposit products for corporate clients, are a higher interest rate than that of an analogue, and remote registration.

Conditions

You can get acquainted with the parameters of the deposit product here:

Interest rates

You can get acquainted with the marginal interest rates for legal entities and individual entrepreneurs on the deposit here:

A factor of 1.07 k can be used to calculate the value. current rate on the "Revocable" deposit.

Deposits on other terms

For amounts of 100 million rubles. USD 10 million EUR 10 million and more for a period of 1 to 1096 days Sberbank of Russia is ready to consider individual conditions for placing deposits.

Good to know for non-residents

Non-residents also have the opportunity to place deposits with Sberbank of Russia on a general basis, subject to the provision of a package of documents corresponding to their status, which can be found directly on the bank's website in the selected type of deposit.

Special offer for clients re-placing funds in urgent instruments

For all categories of customers, the bank operates Special offers on deposits, which can be found on the bank's website. The main condition for participation in the program is the re-placement of the deposit.

Sberbank is the leader among all universal financial institutions in Russian market, which forms a passive base not only for the funds of physical depositors. Most of the free resources in the bank are also placed large companies and businesses. For them, the attractiveness of a financial institution is primarily due to the reliability and availability of a rich assortment of deposit programs that allow them to receive additional income. That is why the "Classic" deposit from Sberbank allows legal entities to deposit free funds at the maximum percentage.

Sberbank Classic Online deposit for legal entities

Financial institution proposes to its legal clients different kinds deposits. Each of them has its own terms of contribution, as well as advantages and disadvantages. However, the “Classic” deposit can be rightfully called the most popular.

This type of deposit can be opened as usual physical entrepreneur as well as a large enterprise or company. Also, the "Classic" deposit has several restrictions. Namely:

• Availability of a deposit limit.
• There is no possibility of early termination.
• The inability to replenish the account.

However, due to the fact that this financial product has a high interest rate, big business invests money on this particular deposit.

How to open a deposit?

In order to open a "Classic" deposit account, a legal entity must visit the nearest branch of Sberbank or submit an application online. In the first case, you will need:

• Write an application for opening an account.
• Provide a package of documentation necessary for a legal entity.

After that, the documentation is transferred to the main accounting department for verification for authenticity. If all the data were reliable, then in a day Sberbank immediately opens a deposit account and assigns it a personal number.

In the electronic version, in order to open a deposit, you must:

• Go to the official website of the bank and complete the registration procedure.
• Go to your personal account.
• Click on the "Placement of Funds" section.
• Further, the system will move you to the section "Calculator for the selection of the placement tool". On this page, you can select the current product or set the conditions for investing funds.
• Then, in the "Application" section, you will need to select the "Create a new document" item.
• Fill in the fields with the required information.
• Then, choose a method of making a deposit.
• Click on the "Open deposit" button.
• A confirmation code will be sent to the phone via SMS.
• Enter it in the appropriate box.
• After that, the monitor will display all the data on the transaction.

The very last step will be to send the required package of documents to the bank.

Conditions

Individuals and legal entities-entrepreneurs, as well as persons who do not have Russian citizenship, can place their free funds in the deposit account of the financial organization Sberbank. In addition, deposits are registered both in Russian rubles, euros, dollars and other types foreign currency.

However, before putting their money into a "classic" deposit account, depositors should be sure to familiarize themselves with the terms of the bank. Namely:

• The maximum deposit limit is 100 million rubles (in foreign currency up to 10 million dollars or euros).
• The lack of the possibility of early termination of the contract.
• There is no provision for replenishment of the account.

Additionally, the interest rate for each client is determined individually. And the terms of the deposit allow the client to independently choose the term of the deposit (that is, long-term or short-term).

Interest rate

For each client, the interest rate is set individually based on a number of parameters. Namely:

• The amount of the invested amount.
• Contribution programs.
• Currency type.
• The term for which the contract was signed between the client and the bank.
• Depositor categories (individual entrepreneur, LLC, OJSC, etc.).

To date, the interest rate on the "Classic" deposit varies for legal entities in the following range:

1. For ruble deposits - from 4.62 to 7.18%.
2. For dollar deposits - from 0.05 to 1.15%.
3. For the euro - from 0.01%.

Many large commercial firms in order to protect themselves from devaluation national currency invest their funds in dollars and euros. But this is not always correct, because on the other hand, if the bank invests large sum in Russian rubles for a long time, the client will be offered the highest interest rate.

Required documents

In order to open a deposit account with a financial organization, a legal entity must provide a list of various documents. Namely:

• A document confirming the registration of a legal entity.
• An act confirming the registration of a legal entity with the tax office.
• Papers allowing the contractor to open an account with a financial institution (power of attorney, deed of appointment or other types of documentation).
• Documentation confirming the legality of the origin of funds that are invested in the account.
• A paper on the approval of the transaction, which is made between the authorized person and the bank.

The whole required list documentation must be presented in the original. Employees of the financial institution verify the authenticity of the submitted papers, make copies, and then return them to the client.

The possibility of prolongation

In the event that there is a need to extend the deposit transaction, the client will need to submit an application to the bank. In this case, it is not required to re-submit the list of documentation. As for the deposit "Classic Online", then this financial product provides for automatic prolongation. However, it will only happen if the legal entity does not timely submit an application for closing and withdrawing funds from the savings account.

Additionally, during the validity of the deposit, you should not worry about changes in the terms of the agreement. After all, they will remain the same even until the moment of prolongation.

How to close a deposit?

Despite the fact that according to the terms of the bank, premature termination of the contract is not provided, nevertheless it is possible. The financial institution, at the insistence of the client, will return the deposit. However, it should be borne in mind that in this case, the legal entity will not receive the expected profit. Instead of the initial conditions, Sberbank will be forced to recalculate the following interest rates:

1. For foreign currency - 0.01%.
2. For Russian ruble - 0,1%.

An exception may be if the deposit was signed on different terms. In this case, the legal entity may, within one week from the date of the conclusion of the contract, submit a written statement of the desire to make an early withdrawal of the money.

In this case, income will be calculated based on how many days the funds were in the bank.

Storage of free funds is equally available for both individuals and legal entities. Indeed, despite difficult economic periods, this financial product does not lose its relevance. That is why if you want free money to bring good profit, then you should use deposit program"Classic" from Sberbank of Russia.

Sberbank of Russia is the leader in financial market... The bank forms a passive base not only for the funds of physical depositors. Most of the funds in the bank are placed by large enterprises and companies.

Deposit Classic Online from Sberbank allows legal entities to receive maximum profit. The conditions for the deposit will be discussed below.

Sberbank offers its customers a variety of deposits. Each of the deposits for legal entities has its own conditions. Also, each has its own pros and cons. The most popular deposit is Classic Online.

This type of deposit can be opened not only by a legal entity, but also by an individual. But this type of deposit has some limitations:

• availability of a limit on the funds being placed;
• there is no possibility of early termination of the agreement;
• there is no way to replenish the account.

The largest enterprises prefer this particular offer, since the bank offers the largest interest rates on it.

How to open a deposit?

In order to open a deposit, a legal entity will need to visit a branch or submit an application online. In the first case, you must follow the instructions:

• write an application for opening an account;
• provide the consultant with the necessary package of documents.

After that, the entire package is transferred to the accounting department for verification of all papers for authenticity. One day is allotted for this. If all is well, then after this time an account is opened and a number is assigned to it.

In order to open a deposit online, you need to follow the instructions:

1. Go to the official resource of the bank and register.
2. If there is already Account, then enter the cabinet using your username and password.
3. Find the "Placement of Funds" section and go to it.
4. After that the client will be redirected to the page "Calculator for selection of placement tool". On this page, you can decide on the proposal of interest.
5. In the "Application" section, indicate the new item "Create a new document".
6. Then fill in all the free fields.
7. Specify the method of depositing funds.
8. Click on "Open deposit".
9. An SMS with a transaction confirmation code will be sent to your cell phone. Indicate this code in the appropriate field.

After completing all the actions, the information on the deposit will be displayed on the screen.

Deposit conditions and interest rate

Not only legal entities, but also individuals can place their free funds on the Sberbank deposit account. Such deposits are registered not only in rubles, but also in dollars and euros. Before placing your funds, you need to familiarize yourself with the terms of the deposit:

• the limit on the deposit is 100 million rubles (in foreign currency up to 10 million euros or dollars);
• lack of the possibility of early termination of the contract;
• there is no provision for replenishment of the account.

The term of the deposit is from 7 to 1096 days. The rate is set individually, based on the parameters. To date, the following rates vary:

Required documents

In order for a legal entity to open a deposit in Sberbank, you will need to provide the following documents:

• paper confirming the registration of a legal entity;
• an act confirming the registration of a legal entity with a tax authority;
• documents entitling the contractor to open an account with Sberbank;
• documents confirming the legality of the origin of money;
• paper on approval of the transaction, which is made between the authorized person and the bank.

Provide the entire package of documents only in the original. Bank employees check the authenticity of the documents.

The possibility of prolongation

If there is a need to extend the transaction, then the client must again write a statement to the bank. But again there is no need to provide a package of documents. This concerns the Classic contribution. If we take into account Classic Online, then it provides for automatic prolongation. It will only happen if the client does not submit an application to close the account in advance.

Additionally, you do not need to worry about changes to the terms of the contract. They remain the same until the rollover.

How to close a deposit?

According to the terms of the bank, it is not provided early dissolution contract. But Sberbank can return the deposit if the client insists on it. But in this case, the client will not receive the profit that was stipulated in the agreement. The bank recalculates at the following rates:

• for foreign currency - 0.01%;
• for the Russian ruble - 0.1%.

An exception may be if the contract was signed on different terms. In this case, a legal entity can apply for a refund after a week. But the profit will be calculated based on how many days the money was in the bank account.

In order to close a deposit through Sberbank Online, select the appropriate items in the personal menu and create an application for closing an account. This procedure is similar to opening a deposit, only together "Open deposit" you must click on "Close deposit". When filling out the application, double-check all the entered data. The procedure is confirmed by a code from SMS.

As you can see, both individuals and legal entities can open the Classic Online deposit. The deposit is popular due to its increased interest rates. It is very easy to open a deposit, as well as to close it. Before opening, be sure to familiarize yourself with all the conditions.