Settlement and cash services business bank. Settlement and cash services for legal entities

Settlement- cash service commercial bank legal entities laid the foundation for modern financial system. Such cases when enterprises pay directly are a thing of the past. Now for the attempt to commit such actions in some cases, even criminal punishment is provided.

general information

To begin with, let's find out what the settlement and cash services of legal entities in a bank are. Under this is called a set of services that are provided by a financial institution and which are aimed at ensuring timely settlements of the organization with various entities. The procedure for their provision is regulated by the Law “On Banks and banking», Civil Code Russian Federation and normative base Central Bank of the Russian Federation. Special attention should be paid to the Regulations on cashless payments, and other regulations. It also requires an agreement between the client and the financial institution. It should be noted that settlement and cash services can be provided to individuals and legal entities, and not just the latter.

Basic cash services

After the contract has been concluded, the organization must receive a checkbook. It will be needed to receive cash for salaries of employees and the needs of the enterprise. There are basic and additional services. The first ones include:

1. Issuance of account statements, which contain information about the transactions performed.
2. Cashless payments.
3. Operations with cash (the phrase "cash service" can also be used to refer to).

Basic services are usually free, or a symbolic commission is taken for their implementation. To carry out any of the above operations, you must use a unified form. The bank receives a fairly good income for providing additional services. Some institutions have their own characteristics. Let's take Sberbank as an example. in this financial institution provides for the possibility of opening an account not only in rubles, but also in a number of other foreign currencies.

Legal regulation

We have already considered what laws and regulations serve as the basis for relationships. But they regulate only as a whole and in general. Besides legislative framework, an additional cash settlement agreement is concluded between the legal entity and the bank. There are no restrictions on the form of ownership for entering into such relations. When all the formalities are settled and opened, the enterprise can dispose of its funds for conducting any activity, which does not contradict the law. If this process is carried out for the first time, then special attention should be paid to the conditions for providing the following:

1. Receiving and issuing cash.
2. Ensuring prompt and uninterrupted movement of funds.
3. Possibility of carrying out operations with currency.

You can optionally connect other services, but it depends on the desire and needs of the enterprise itself. If we talk about interaction, then for these purposes two methods are used, from which everyone chooses what is convenient for him:

1. Classical. Provides for the transfer of orders personally on paper or through the mediation of a trusted person. Of the negative points, it should be noted the need to spend time traveling to the bank's office, so relatively few enterprises use this method.
2. Online banking. In this case, financial management is carried out remotely. Payment orders and claims are transmitted via the Internet. Due to its speed, flexibility and ease of use, this method is widely used by most organizations.

How is the calculation done?

When the bank receives an order from the company (it does not matter in what way, the main thing is that it is confirmed that the document was sent by an authorized person), then it executes it by agreement. For this purpose, it is now considered good manners to use BESP. This abbreviation stands for Bank Electronic Urgent Payments. Transferring money via BESP takes minutes. Although according to the law, the payment must be made within three business days. This is done in case of sudden and unexpected events that bring the system down. Although such a quick execution of an order can be taken additional fee. And transfers, even using BESP, will take just three business days. If a bank practices such schemes, it is necessary to think about whether to continue to be served in this financial institution. Fortunately, there are enough worthy competitors. Take, for example, such structures as Alfa-Bank, Sberbank, VTB 24. Settlement and cash services for legal entities, if they do not satisfy the client, you can change financial institution. Remember that we can vote with our wallets.

Acquiring

All enterprises that are on the cash register of a certain financial institution can, after signing a separate agreement, make it possible to pay for goods without leaving the outlet. True, in such cases it is necessary not only to take care of the availability of all the necessary equipment, but also to carry out a fairly significant amount of control measures(First of all it concerns safety). The same can be said about the acceptance of payment through payment cards on the World Wide Web. In such cases, terminals replace special forms that the buyer must fill out.

Cash transactions

For this purpose, the previously mentioned amounts are used. The amounts issued with its help are used to finance the economic side of the enterprise, pay wages and settle accounts with suppliers. A corporate bank card has recently become a kind of analogue for a checkbook. When it is issued, a special account is opened, with the help of which the financial institution conducts a register of all transactions performed, issues statements with the amounts of turnover and cash balances. Consider the example of VTB. Settlement and cash services for legal entities in terms of wages for employees is carried out by transferring a certain amount of money to bank card. But for some people, this approach is not convenient, because they are used to being customers not of VTB, but of Sberbank. In this case, an accountant may additionally be sent to the bank, who will be there already with the help of a checkbook to receive the necessary amounts. As you can see, there are positive changes, but so far certain obstacles often arise before the full automation of the process of crediting money. If you have to move with a significant amount of money, then many large financial institutions offer a collection service. It is available after the current account and the corresponding supplementary agreement have been signed.

Account opening

This service can be both paid and free. It all depends on the policy of the bank. But this amount is not unbearable even for new enterprises - for such a pleasure you will have to pay "only" a couple of thousand rubles. A few hundred more must be paid for servicing a current account. Many financial institutions charge usage fees only in the months when there is at least one transaction. Certain deviations from the indicated values ​​\u200b\u200bmay be in those cases if not a ruble account is opened, but a foreign currency one. Abroad, respectively, other prices for these services, which vary depending on local specifics.

Interaction with the tax service

This information will be useful to those who are just thinking about opening an account. The fact is that, according to the legislation of the Russian Federation, a legal entity, when opening a current account, must report this to tax service no later than 5 days after the clearance was completed. If you do not make it on time, then a fine is imposed. In the absence of a desire to understand all the nuances yourself, you can entrust all questions to a company specializing in this. The approximate cost of such a service will be about 2-3 thousand rubles.

Conclusion

There is much more to be said about how the system of settlement and cash services is arranged, to touch on various nuances and aspects. In general, if an entrepreneur or manager has at least a general idea of ​​the CSC, this will allow him to better understand the affairs of the subordinate company, which is undoubtedly a significant plus.

17Jun

Hello! In this article we will talk about bank services that form the settlement and cash service IP, LLC and even individuals.

Today you will learn:

1. What is included in the RKO;
2. Who is it intended for and what tasks does it solve;
3. How to choose a bank;
4. How to open RKO on your own.

What is cash management service

Settlement and cash services for customers (or abbreviated RKO) - a system of services provided by the bank and. RKO regulates everything monetary transactions, transferring funds to business partners, suppliers, receiving payments from customers.

RKO - set banking services for storage and movement Money enterprises.

The essence of the RSC is in the conduct and implementation of it financial transactions. Unlike a current account, a settlement account allows its owner not only to keep finances, but also to manage them for conducting commercial and non-commercial activities.

Each bank sets its own service fees.

After the client enters into an agreement with a financial institution for cash settlement, the bank takes over the management of all monetary transactions of the customer.

These include:

• Settlements by non-cash and cash;
• Generation of account statements.

RKO for individuals

It is customary to talk about settlement and cash services in the aisles of services for enterprises and businessmen, on the websites of banks, the tariffs for cash settlement services are most often located in the section “For legal entities”.

Therefore, it is widely believed that RKO is a service to enterprises. But theoretically individuals can also act as RKO consumers. They can also enter into an agreement with a bank to use a personal account for non-commercial purposes. For example, for non-cash payment of utility bills.

For citizens, RKO implies the following functions:

• Account replenishment and cash withdrawal;
• Non-cash payments;
• Internet banking.

Often, settlement services for individuals are paid by a commission from specific transactions, but some banks offer separate tariffs, service packages from the All Inclusive area, for which a monthly subscription fee is set.

Document flow

A financial institution providing cash settlement services interacts with customers through certain documents.

The most common ones are:

• Payment orders for non-cash payment of bills;
• Forms of depositing cash into the account;
• Check book and checks issued upon receipt of cash at the cash desk;
• Statements as a means of controlling expenses and receipts.

Legal regulation of RKO

In legal terms, the activities of the RSC are regulated by the Civil Code of the Russian Federation, federal law"On banks and banking activities" and various provisions of the Central Bank of Russia.

The relationship between the parties is governed by an agreement, the conclusion of which is prerequisite providing a service.

Any legal entity or individual entrepreneur is entitled to use the RKO. In this case, the form of ownership and cash flow do not matter.

According to the law, each organization or entrepreneur can have as many current accounts as they need to carry out their work.

As part of the agreement with the client, the bank providing cash settlement services undertakes, at the request of the consumer, to credit his funds to the current account, store them, issue and make payments and money transfers.

In what cases should you use the services of RKO

In any business, you can not do without CSC, if you need:

• Transfer of money to a non-cash account;
• Transfer by bank transfer of salaries;
• Withdrawal and receipt of non-cash transfers;
• Receiving statements on a non-cash account.

Organization of settlement and cash services for LLCs or individual entrepreneurs is a common procedure for most financial institutions. For the bank, this is another source of income, and for the client enterprise, it is the simplification of financial transactions.

Benefits of RKO

Why conclude an agreement with a bank if you can keep money in your safe and pay non-cash bills through a bank teller?

Settlement and cash services in a bank would not be so popular if it did not have its advantages:

• Fast and accurate financial transactions;
• operational service;
• Expert advice;
• Providing up-to-date information about the state of the account and transactions;
• Guarantees from the bank on the confidentiality of commercial information and the safety of funds entrusted to it.

Thus, in the financial life of the enterprise, the bank is able to solve many problems. RKO allows you to save time, and sometimes money.

Components of RKO

Settlement and cash services is not just maintaining a current account. This is a whole range of services that banks provide to the best of their ability and at individual rates.

From the package of services offered by the bank, entrepreneurs themselves can choose the most suitable moments at affordable prices.

Operations with cash

Cash settlement services always include accepting cash from an entrepreneur. In some banks, it is possible to replenish a current account only through a cash desk in the office, in others - through ATMs (with self-collection cards).

There are two options for withdrawing cash from your account:

1. Checkbook. It is issued at the bank, according to which the account holder can receive funds at the bank's cash desk for employees or for other needs.
2. Corporate bank card. Allows you to withdraw cash from an ATM. In this case, all transactions are also processed and accounted for by the bank.

For organizations with a large cash turnover, the bank may include cash collection services in the cash settlement package.

Operations with non-cash funds

As part of the cash settlement, the bank undertakes to fulfill the client's instructions for the movement non-cash funds to provide timely information on cash receipts and disposals, generate statements (information on the results of financial transactions).

The client of the bank can transfer his instructions for conducting monetary transactions the classic way- printed payments through an operator in a bank, or using Internet banking, which is becoming more and more popular not only due to convenience, but also due to competitive rates (it is also more profitable for a bank to accept payment orders via the Internet and not to keep a large office and staff of tellers) .

Acquiring

And - additional services that are part of the cash register, allowing the company to accept non-cash payments from individuals (via bank cards).

Such a service is provided for a fee and, as a rule, the bank takes a certain commission for accepting non-cash payments.

For acquiring at a point of sale, you will need to purchase or rent a special terminal (some banks provide it for free), Internet acquiring does not require additional equipment, it is replaced by an electronic form filled out by the buyer.

Currency operations

For companies planning to work not only with Russian rubles, but also with foreign exchange, banks include additional services in cash settlement services:

• Purchase and sale of currency;
• Sale of the obligatory part of foreign exchange earnings;
• Conversion;
• Receiving payment in foreign currency from foreign clients;
• Payment of foreign currency accounts.

A currency account consists of three whole accounts:

• For the disposal of the available currency - a current account;
• For accounting of receipts - transit;
• To account for the purchased currency.

How to open cash register in a bank

Opening an account for RKO is getting easier every year. Today, you can book a current account through the bank's website, and accept payments to it on the same day.

In total, the procedure for opening an account consists of several stages:

1. Bank selection;
2. Choice of tariff (if there are several);
3. Collection and provision of documents;
4. Conclusion of an agreement, registration of a card with signatures and a seal (if any).

Depending on the bank, the whole procedure can take 1-5 days.

Documentation

A list of documents required to open an account can be obtained from a financial institution. Banks have the right to establish themselves the procedure for servicing, opening an account and forms of documents.

Minimum package of documents:

• Declaration of intent to open an account;
• Identification document (passport and quite often -);
• If available - or organization;
• Documents confirming state registration organizations or individual entrepreneurs ().

For legal entities, other documents may be required.

For instance:

• certified by the seal of the tax service;
• Protocol on the establishment of the company and the appointment of the head;
• Documents for the legal address (, certificate of ownership);
• If available, the memorandum of association, licenses, if the type of activity is subject to mandatory licensing.

In which bank to open cash settlement

Below is a list of banks and the benefits of working with them. The selection of banks was carried out by collecting feedback.

Tinkoff

This bank gained fame not so long ago, but now it is in the stage of active growth and development. Tinkoff is not shy about attracting new customers through lucrative offers and promotions, inexpensive tariffs, and to please regular partners with new upgrades.

You can open an account on official website of the bank in 5 minutes.

The range of services is quite wide: lending, acquiring, Internet banking, SMS notification system, and so on.

• Monthly maintenance - for individual entrepreneurs, the first 3 months are free, then - from 490 rubles;
• Money transfers - from 29 rubles per payment, or unlimited payments for 990 rubles per month;
• Depositing funds to the account - depending on the tariff: 299 rubles for any amount or 0.25%, or unlimited depositing for 1990 rubles per month;
• Commission for cash withdrawal: up to 100,000 rubles - free of charge, large sums- from 1%.

Sberbank

Covers the widest range of banking services. Works with both individuals and legal entities.

You can open an account on official website of the bank.

Tariffs and additional services are calculated as per large enterprises as well as for start-up businessmen. In addition, the coverage of the geographic area is wide.

Branches of Sberbank and its ATMs are located even in small towns and villages.

The Sberbank Business Online system allows you to maintain several current accounts at the same time, and it is convenient to manage it through a mobile application.

The Sberbank Advisory Center provides round-the-clock support to its customers.

• One-time payment for opening an account - from 1500 rubles;
• Money transfers: electronically - from 32 rubles per payment, on hard copy- from 300 rubles;
• Commission for cash withdrawal: for wages - from 0.6% of the amount, for other needs - from 1.4%.

Modulbank

This bank operates on the basis of Regional Credit, which has been known on the market for more than 20 years. It works only with representatives of small businesses, respectively, offers services that are beneficial to them.

You can open on official website of the bank in 5 minutes.

• One-time payment for opening an account - 0 rubles;
• Monthly maintenance - 0-3000 rubles;
• Money transfers: electronically - from 0 to 90 rubles per payment;
• Depositing funds to the account is free on most tariffs;
• Commission for cash withdrawal - 0-15%.

Dot

A modern bank with a youthful spirit and first-class service, created on the basis of the well-known Otkritie bank. Convenient online payments, round-the-clock transfers with a minimum commission. Each region has its own tariffs, so the cost of services can vary significantly.

You can open an account on official website of the bank in 5 minutes and already start using it! This is great!

• One-time payment for opening an account - 0 rubles;
• Monthly maintenance - from 500 to 7500 rubles;
• Money transfers: to legal entities - depending on the tariff, from five payments free of charge, and then from 30 rubles per transfer; individuals - free of charge up to 500,000 for individual entrepreneurs and up to 70,000 for;
• Depositing funds to the account - free of charge through ATMs of Otkritie Bank;
• Commission for cash withdrawal - free of charge up to the amount determined by the tariff (from 10,000 rubles).

Promsvyazbank

It is among the 500 largest world banks (according to The Banker magazine), in Russia it also occupies a leading position in terms of customer coverage, and is in the top 3 private banks.

• One-time payment for opening an account - from 590 rubles;
• Money transfers - 0-110 rubles, depending on the tariff;
• Depositing funds to the account - from 0.5% of the amount;
• Commission for cash withdrawal - from 0.2%.

Read more at official website of the bank.

Alfa Bank

All services on a non-cash account can be carried out through an online account. You can keep several accounts at the same time, and in different currencies. Additional services (for example, lending) the bank provides in full.

• One-time payment for opening an account - 0 rubles;
• Monthly maintenance - from 850 rubles;
• Money transfers: electronically - from 30 rubles per payment, on paper - from 0.1% of the amount;
• Depositing funds to the account - from 0.3% of the amount;
• Commission for cash withdrawal: for wages - from 0.5% of the amount, for other needs - from 2.5%.

You can open an account on official website of Alfa-Bank.

Gazprombank

The bank provides services key industries domestic economy (oil, gas, energy, metallurgy, engineering, and so on). One of the largest banks not only in Russia but also in Europe.

• Monthly maintenance - from 600 rubles;
• Money transfers: electronically - from 30 rubles per payment, on paper - from 200 rubles;
• Depositing funds to the account - from 0.02% of the amount;

Uralsib

The main direction of the bank is retail and corporate business. The head office is located in Moscow, 6 branches and 280 points of sale have been established throughout the country.

• One-time payment for opening an account - 1800 rubles;
• Monthly maintenance - from 1000 rubles;
• Money transfers: electronically - from 10 rubles per payment, on paper - from 50 rubles;
• Depositing funds to the account - from 0.3% of the amount;
• Commission for cash withdrawal: for wages - from 0.5% of the amount, for other needs - from 1%.

Binbank

Opened 23 years ago, it does not stop growing and actively developing. In the first place, the bank puts trusting relationships with customers and receives a lot of positive feedback in return.

• One-time payment for opening an account - 0 rubles;
• Monthly maintenance - from 1500 rubles;
• Money transfers: electronically - up to 0.3% (minimum 19 rubles), within the selected package there can be from 10 free transfers;
• Commission for cash withdrawal - 1%.

VTB

VTB is a group financial enterprises, which includes about 20 banks. The most famous of them is VTB24. The main shareholder of the bank is the state, which gives the bank additional reliability.

• One-time payment for opening an account - 1000-4500 rubles;
• Monthly maintenance - 1000-2500 rubles;
• Money transfers: electronically - from 5 rubles per payment, on paper - from 250 rubles;
• Depositing funds to the account - from 0.08% of the amount;
• Commission for cash withdrawal - from 0.5% of the amount.

Details at VTB official website.

Vanguard

Once one of the most popular banks, now it is starting to lose ground, not keeping up with the modernization. Suitable only for those customers who are used to doing everything the old fashioned way, without using a mobile bank and SMS alerts.

• Monthly maintenance - from 900 rubles;
• Money transfers: from 25 rubles per payment;
• Depositing funds to the account - from 0.3% of the amount;
• Commission for cash withdrawal - from 1.2%.

Rosselkhozbank

The bank was established in 2000 for the agro-industrial sector and Agriculture. Today it is a universal bank providing a wide range of services to private clients and businesses. One hundred percent of the voting shares of the enterprise belong to the state.

• One-time payment for opening an account - 2500 rubles;
• Monthly maintenance - from 750 rubles;
• Money transfers: electronically - from 6 rubles per payment, on paper - from 250 rubles;
• Depositing funds to the account - as agreed by the parties;
• Cash withdrawal fees vary by region.

Rosbank

Founded in 1993, the head office is located in Moscow. Has status universal bank, is part of the international financial group Societe Generale.

• One-time payment for opening an account - free of charge when registering via the Internet;
• Monthly service - free for the first three months, then from 700 rubles;
• Money transfers: electronically - from 30 rubles per payment, on paper - from 250 rubles;
• Depositing funds to the account - no commission;
• Commission for cash withdrawal - from 1%.

Post Bank

Bank from the VTB group. Created on the basis of Leto Bank in 2016. The main goal of the bank is to increase the availability financial services for residents of our country, especially the emphasis in the bank is on pensioners. So far, the bank provides settlement and cash services only in relation to individuals.

• Issue of a bank card - free of charge;
• Monthly maintenance - free of charge;
• Money transfers: up to 0.8%;
• Depositing funds to the account - no commission;
• Commission for cash withdrawal - no commission.

AK Bars

Registered in 1993. It provides more than a hundred different services to both private and corporate clients (among which there are large enterprises in the field of oil and gas exports).

• One-time payment for opening an account - from 1000 rubles;
• Monthly service - 400 rubles using Internet banking and 1200 rubles without using;
• Money transfers - from 50 rubles;
• Depositing funds to the account is free;
• Commission for cash withdrawal - an average of 0.9%.

5 best banks for cash settlement

From the entire list that you saw above, we settled on this four leaders in terms of price-quality ratio:

1. Dot;
2. Tinkoff;
3. Modulbank;
4. Promsvyazbank.
5. Loco Bank.

How to choose a bank

It is necessary to start choosing a bank very carefully. A significant part of the company's workflow depends on the quality and cost of the RKO.

For some companies, speed of operations is important - fast payment of bills and prompt arrival of funds. For others, speed is not as important as low price because when you have to do a lot mandatory operations, a high commission can cause a significant blow to the budget.

What to pay attention to.

The bank must first of all be reliable. Every collaboration has its own risks. And if these risks exceed the benefits that the bank is able to offer, you should not take this option into account.

Bank reliability criteria can be:

• The reputation of the bank among former clients, in the media and on the Internet. Of course, you will not find negative reviews on the official website of the bank, but on other resources, such as business forums, the Banki.ru portal, and so on, you can find real reviews and expert opinions.
• Timing of cash transactions. Some banks issue cash and make non-cash transfers on the day of application, while others - only after 3-5 days.
• Geographical location and accessibility of the branch and ATMs, work schedule. Of course, today there are Internet banks that do not have their own offices at all, but for some operations, especially when working with cash, an accessible branch is required.
• Wide range of services. It is much more convenient to make all transactions in one bank. It is necessary to make sure in advance whether the bank is ready to provide all the necessary services. For example, not all organizations make payments in foreign currencies.
• Tariffs, commission size. Some tariffs are beneficial for frequent non-cash payments, others for cash withdrawals.

A big bank does not always mean a reliable one. Even the whales of banking sometimes get into debt and lose their license. At the same time, a little-known bank with a small number of branches can work quite calmly and at the same time maintain a balance of its liabilities and assets.

An organization or individual entrepreneur choosing cash settlement services is not required to stop at one bank. If you didn’t like something, or a better offer was received, you can always close your current account, terminate the contract and conclude a new one with another bank. The law does not limit the number of current accounts per enterprise, so you can cooperate with several banks at once.

Bank selection process.

Step 1. Selecting the list of required services.

To begin with, it is important to understand which of the CSC capabilities will be required in the work of the company. It is necessary to take into account the specifics of your activity.

How often will you need to make non-cash payments, accept incoming transfers, make collections or withdraw cash? The answer to these and similar questions will help you understand which lines in the tariff plans you should pay special attention to.

For example, for a store retail may require acquiring and frequent deposits of cash to the account, and for - convenient and inexpensive Internet banking.

Step 2. Prioritization.

After the picture of the necessary RSC emerges, it is necessary to decisively and finally place the accents. If you decide that you need a bank with a small withdrawal fee, then stick to your decision.

Sometimes banks lure customers with great offers and additional services that are not really that important.

Step 3. Selection of banks, review of tariffs.

Further, it is necessary to select several banks whose services meet the previously identified requirements as much as possible. From a huge number of organizations (and in Russia there are neither many nor few banks, but almost 800), you need to choose 2-3 that provide the services you are interested in at the best prices.

Step 4. Analysis of information about banks.

The package of services and tariffs suits, but what about the geographical location, service, availability of ATMs and offices? At the final stage, we recommend that you study as much as possible all available information including customer reviews.

He started working with the bank by purchasing an "S" package. After expanding the business, I changed to the “M” tariff. It has a lot more possibilities. In addition, I am more satisfied with the limit on the transfer of funds to individuals ...

I applied for opening an account through a mobile application. It's good that I ordered immediately and a promotional code for service, so as not to stand in line. I recommend this to everyone, because the people in the office are terrible! ...

by the most advantageous offer according to RKO for IP, it turned out to be Otkritie Bank. We, "kids", have few payments, so 3 free per month is enough for my eyes. And then there's the free service + a lot ...

How to choose the best services

Despite the fact that in order to entrepreneurial activity opening current account is not a prerequisite, it is unlikely to work without it. Any business involves settlements with customers and partners, and legislation imposes serious restrictions on cash transactions. Use personal cards and accounts for business illegally.

An account is just a bank account, but it is it that allows you to make a lot of transactions with money, this is the so-called cash settlement service, and also provides access to specific bank services.

Therefore, the following factors may influence the choice:

• List of bank services. For example, almost any business requires certain investments at the start. The bank can ensure their availability at the expense of borrowed money. Therefore, the conditions and possibility of lending can be a key factor in the choice.
• Geography of presence. Even the largest banks from the top 10 do not have branches in all localities.
• Requirements for clients. For example, some credit organizations do not work with individual entrepreneurs.
• The cost of settlement and cash services. Even if the bank offers a free rate, you will pay for its services one way or another. For example, a commission from incoming payments or from withdrawals, transfers, etc.

RKO tariffs for legal entities

You can not compare only the cost of opening a bank account. This is a one-time payment that can be neglected in most cases. The key indicator is the totality of all expenses that an enterprise or individual entrepreneur may incur in the process of servicing. Namely:

• Monthly commission for servicing the account and access to it using the remote service system.
• The amount of fees for all transfers and other transactions. For example, in favor of individuals for the payment of wages, in favor of partners for settlements under supply contracts, cash withdrawals and deposits at cash desks, in self-service devices, etc.
• Operative information on services and account status.

You can add or subtract commissions and interest for additional services to the final cost:

• lending;
• deposits (work in plus);
• acquiring;
• etc.

The process of such a calculation requires a lot of time to study the tariffs and the nuances of their application. RKO rates for LLCs and individual entrepreneurs may differ, may depend on the region, as well as on other factors.

Or you can just use our calculator. We will count everything for you. All you have to do is compare and choose.

In which bank is it better to open an IP current account

Favorable tariffs for cash and settlement services for entrepreneurs are not always a decisive factor. The quality of service and technical capabilities of the bank are no less important. For example, in some credit institutions, opening a bank account may take several days or even weeks and require more than one visit to the office. And some banks can do everything in one, maximum two days, and accept and sign documents even without a visit to the branch.

Such high-tech banks with customer-oriented service include, for example, the following:

• Tinkoff Bank;
• Modulbank;
• Point (generally positions itself as a multi-bank service);
• DeloBank;
• Sphere;
• Vesta (relevant only for Moscow).

They focus primarily on remote service.

If you have a micro-enterprise and every penny counts, it is better to open an account at a tariff with free maintenance. These provide, for example:

• Sberbank;
• Alfa Bank;
• Opening;
• Dot;
• Modulbank;
• Loko-Bank;
• Promsvyazbank;
• Sovcombank;
• DeloBank.

Where is the best place to open a bank account?

Sometimes a limited liability company can be managed by one individual, who will be the only employee in combination. Therefore, such an organization is not much different from the same IP. But such situations are rather rare.

The form of ownership of an LLC opens up much greater business opportunities, which is why it is traditionally chosen to create companies with a good turnover. And if individual entrepreneurs, like individuals, deposit guarantees are provided by the Deposit Insurance Agency, then the legal entity is not insured by anyone.

Hence a simple conclusion - you need to choose a bank, first of all, based on its performance indicators, by which you can be sure of high reliability.

Choosing a tariff for settlement and cash services for legal entities will be a little more difficult than for the same individual entrepreneurs, since a larger volume of basic and additional services is expected. The bank must ensure their maximum set.

These criteria can safely include credit institutions from the top 10 in terms of revenue and/or capital. For instance:

• Sberbank,
• Alfa Bank,
• Opening,
• Gazprombank,
• Rosselkhozbank,
• Promsvyazbank.

So that the comparison of banks is not limited only to their rates, we have collected a lot of information about each of them, for example: key performance indicators, technical capabilities, reviews of real customers, geography of presence, a range of services and documents required for applying.

Settlement and cash services (RKO) of legal entities and individual entrepreneurs- one of the main functions of the bank. This is a complex of services for storage, movement and registration of movement financial resources companies.

Legal regulation

Implementation procedure Russian banks settlement and cash services for legal entities is regulated by the following legal norms:

• Federal Law "On banks and banking activities",
• Civil code of the Russian Federation,
• a number of Regulations of the Central Bank of the Russian Federation.

In addition, the relevant relationship between the bank and its client is regulated by means of a cash settlement agreement signed by both parties. Any commercial and non-profit organization regardless of the form of ownership, having the status of a legal entity or entrepreneur. Having opened in rubles or foreign currency (dollars, euros), its owner can dispose of funds for conducting commercial and non-commercial activities (this is exactly what distinguishes a settlement account from a current account).

Under the agreement, the bank assumes the obligation to store the client's funds, timely credit incoming amounts, transfer them and issue them by order of the enterprise's management, as well as promptly, correctly perform other actions specified in the agreement and not contrary to legislative norms.

What does the settlement and cash service of legal entities consist of?

The range of services provided under the RKO agreement is as follows:

• ensuring efficient, uninterrupted traffic cash flows client;
• carrying out operations with currency;
• receiving / issuing cash.

The fulfillment of these tasks is carried out in various ways using special financial instruments, the main and main of which is the current account. Only after its opening can other banking products for the circulation of finances be available.

Cashless transactions

Settlement and cash services for non-cash transactions are:

• ensuring the prompt execution of customer orders;
• systematic informing about the receipt / disposal of funds;
• preparation and issuance of the final results of financial transactions (issuance of statements).

For financial management, banks provide a package of services - basic and additional - from which the company independently chooses the necessary and most convenient.

The company interacts with a credit institution by sending it instructions to carry out actions with funds. There are two ways to do this.

1. Classic - the transfer of orders on paper personally or through a trusted person. Since this takes time to travel to the bank office, a small number of enterprises constantly use it.
2. – a financial management method based on the remote submission (via the Internet) of payment orders / claims. This method is preferred by most organizations.

Each of them has its own tariff and is separately indicated in the contract for cash settlement.

Having received an order from the company (by any means) to make a payment, the bank fulfills it under the terms of the standard agreement concluded between them, that is, according to the general regime schedule. At the request of the client, after signing a special agreement, an additional function is added to the standard set of cash settlement services - the implementation of settlements with suppliers using the system. That is, a financial institution, for a fee, executes client orders immediately at the time they are received, and not after general regime established by internal rules.

Currency operations

If a company wants to carry out activities not only in rubles, then it needs to open, more precisely, three: current (for the disposal of the foreign currency available to the legal entity), transit (for accounting for incoming revenue) and for accounting for foreign currency acquired on the domestic market.

The services for cash settlement of foreign currency accounts include:

• purchase / sale of currency on behalf of the company;
• sale of the obligatory part of foreign exchange earnings;
• conversion operations;
• transfer / receipt of funds in foreign currency for export-import transactions of the client.

Acquiring/Internet Acquiring

If the company is on cash management services in a credit institution, it may be available (after signing a separate agreement) the service of receiving goods at a point of sale for payment -. A financial institution that carries out such activities is called an acquiring bank. At the same time, she must not only install the appropriate equipment in the store, but also timely carry out all activities related to the use of cards.

A similar service is provided when accepting payments using payment cards on the Internet. In this case, the terminals for reading card information are replaced by a special form that the buyer fills out, and the activity is called.

Operations with cash

After signing the contract for cash settlement, the organization can issue it at the servicing bank. It serves to receive cash to finance the economic side of the company's activities, the issuance of wages, payment to suppliers.

It serves as an alternative to a checkbook. Its registration is accompanied by the opening of a special account, according to which the credit institution maintains a register of operations, issues statements with turnovers and balances.

The RKO also includes the acceptance of cash. An authorized employee of the enterprise deposits them into the account, while issuing a cash receipt order.

If the company systematically needs to deposit / receive large amounts of money, then for security reasons it can use the service available after opening a current account and signing the corresponding agreement.

Under what conditions is settlement and cash services provided in Russian banks?

Greetings, friends! Remember the last time you paid in cash at a store? I am sure that most of you use cash for small purchases, paying for most of your purchases through non-cash payments. And if ordinary individuals actively use the possibilities of current accounts, what can we say about enterprises. Today, settlement and cash services for legal entities has become literally an integral part of business, both small and large. It is unlikely that anyone will argue that entrusting a current account to a bank is an extremely responsible decision that requires maximum seriousness. In fact, all the costs of the company, the security of cash flows and, as a result, its profitability are in the hands of the bank. In this article, I would like to highlight the topic of CRS in more detail, tell you what such a service is, and which bank to look for the most favorable rates.

What is RKO and how does it work?

So, I propose to first find out what a current account is, and then move on to the main topic of the review. A checking account is a legal account. persons with independent balance in banking institution, which is designed to save money, carry out non-cash transactions with other legal entities or individuals.

Based on this definition, we can reveal the essence of settlement and cash services. RKO is banking service system, with the help of which the accounts of individuals and legal entities are serviced, all monetary transactions are carried out in any currency.

In order to use this kind of opportunity, potential customers need to send a certain package of documents to the bank and conclude an appropriate treaty. Legal aspects RKO are enshrined in the Law " About banks and banking activities”, and are also determined by regulatory legal acts Central Bank Russian Federation.

Payment account- this is an account legal individuals with self-balance in a banking institution, which is designed to save money, carry out non-cash transactions with other legal entities or individuals

Today, almost no organization can do without RSC. In addition, the need for non-cash money circulation arises among individuals. It is for this reason that not a single non-cash transaction is carried out without settlement and cash services, no cash is withdrawn or credited to the account, accounts in foreign currency are not maintained, and statements on the performance of operations on current accounts are not issued.

Cash and settlement services for legal entities in credit institutions implies maintaining all settlement account transactions. This includes the calculation of salaries, and the payment of pensions, and scholarships, and other similar payments. It is worth noting that transactions can be carried out both in rubles and in foreign currency.

Composition of services

If we talk about the fundamental services in this area, they can be summarized in a single classification:

• non-cash payments;
• cash payments;
• preparation of bank statements on accounts.

Working with accounts and cash transactions, banking organizations use special forms:

• money orders(if we are talking about settlement accounts for payment) or, as they are also called, “ forms 0401060»;
• cash deposit forms to bank accounts;
• checks, which are issued at the moment withdrawals funds in the form of cash from the account.

The signing of an agreement on the provision of cash and settlement services means that the company has the right to receive checkbook. It is one of the main tools for cashing out funds that are necessary for remuneration of the company's personnel and its other needs.

In order to improve settlement and cash services, many banks offer their customers to use the system " Bank-Client". Its specificity lies in the fact that in addition to the basic package of services, customers also receive additional options like cash collection or remote access to settlement accounts.

However, here you need to be prepared for the fact that if the bank provides the main block of services free of charge or for a minimal fee, then you will have to pay for related options. In general, there is nothing surprising in this, because, whatever one may say, a bank is a commercial organization.

apply for RKO and use 2 months for free

What is the RKO?

In accordance with the settlement and cash services agreement, the bank provides customers with the following list of services:

• operational and uninterrupted flow of funds;
• conducting currency transactions;
• receiving and issuing cash funds.

To successfully complete the above tasks, banks use special financial instruments. Of course, the main one is the current account, after opening which it will be possible to get access to other bank products related to the circulation of finance. These include the following:

Cashless transactions

This includes the prompt execution of client orders, and regular informing about incoming and outgoing transactions, and the issuance of bank statements. In order to manage the client's finances, banks can choose for themselves a specific package of services, which will include basic and additional operations.

Companies can interact with credit institutions in two ways:

• Classic, passing orders in paper form from hand to hand or through authorized persons. However, in this case, you will have to spend time traveling to the bank office;
• Online. Using Internet banking to manage finances, all payment requests and orders can be performed remotely. Such interaction is preferred by the vast majority of companies.

RKO rates may differ significantly depending on what services will be ordered.

Currency operations

If an organization needs to carry out its activities not only in national currency, she also needs to open a foreign currency account, or rather three accounts at once:

• current(in order to manage the currency already available to the legal entity);
• transit(to keep track of incoming revenue);
• an account that will keep records of all purchased within domestic market currencies.

The package of services for settlement and cash services of foreign currency accounts includes:

• purchase/sale of currency based on company orders;
• sale of foreign exchange earnings in statutory volume;
• conversion operations;
• accepting payments or sending them for export-import client transactions.

Acquiring and internet acquiring

To begin with, I propose to find out what acquiring is for an entrepreneur in principle. Imagine a situation where your company is on the cash register in some kind of credit institution. This means that you can use the service of accepting bank cards to collect payment for goods at your point of sale - acquiring. Financial institutions, which implement this kind of activity, are called acquiring banks. I want to draw your attention to the fact that they not only install the appropriate equipment in stores, but also organize events for the use of cards.

An analogue of this service is the acceptance of payment via cards on the Internet. In this case, the terminal for reading information is a special form filled out by the buyer. This type of activity is referred to as Internet acquiring.

Operations with cash

Immediately after the conclusion of the contract for cash settlement, the enterprise can issue a check book at the bank that will be engaged in servicing. An alternative, more modern version of this payment instrument can be considered a corporate bank card. Making such plastic is accompanied by linking the card to your account, on which the credit institution will register all payment transactions, issue statements on turnover and balance, and keep records of funds on the current account.

Collection

A service that is recommended for all businesses that regularly deposit or receive large amounts of funds. The Bank will ensure the collection and transportation of cash or any other valuables between organizations, thereby ensuring their safety and security.

Internet banking or mobile banking for legal entities

I must say right away that only the most advanced banks provide such services, and therefore do not be surprised if your credit institution cannot provide you with remote access to your current account.

What to pay attention to first of all?

Choosing a bank for cash settlement is not an easy task. To make it a little easier, I suggest that you focus on the following points when choosing:

Bank reliability

I tell you right away that you should not consider the TOP-30 of the best state-owned banks. Yes, they are really reliable because of a large number assets and money turnover within these banks. However, they are clumsy, not flexible enough in terms of workflow and solving non-standard tasks. In addition, as a bonus from interacting with these banks, we also get an overly picky financial monitoring department and currency control. Considering that freezing our payments out of the blue and requiring a huge list of documents to confirm this or that transfer is a common thing for them, we simply cannot avoid problems at times when payments need to be made quickly.

It is best to give preference to commercial banks with a flexible system and customer focus. Of course, you should not take your money to some kind of sharashka office, the bank must have a license from the Central Bank of the Russian Federation, but at the same time not strain customers with inadequately intrusive control, help solve complex and non-standard problems, securing you for real competent manager. Ideally, if the bank also organizes the acceptance of most documents online via the Internet or mobile bank linked to your RKO.

It is not worth considering the TOP-30 of the best state-owned banks, it is better to give preference to commercial ones

Subscription fee

The amount of payment for servicing an account in the Russian market varies within 500-3000 rubles. It all depends on what package of services is included in this tariff. For example, the availability of 100 free payments per month, reduced commissions or a certain limit without commissions for transferring funds to individuals' accounts (simple debit cards), drafting tax reporting and similar events. It will be more profitable to cooperate with the bank that, for less money, will offer you the largest number of such goodies that can save you time, money and nerves.

Payment order cost

Varies between 15-40 rubles for one payment order. Medium market price is 23 rubles. In addition, many banks offer their customers a payment transfer service. out of turn. Imagine that the settlement day at your bank ends at 8 pm local time. This means that all bill payments will be made strictly before the specified time, and the closer the clock hand approaches the “8” mark, the less chance we will have that the payment will be made before the end of the day. However, for RUB 300 (fees may vary) we can move up the queue and ensure payment is transferred within today, leaving other customers for tomorrow. This feature works in banks that carry out most of the transactions manually.

Suppose your director is leaving on an unscheduled business trip, and he desperately needs per diem or travel allowance right today. Obviously, the money is needed before 9 pm. In this situation, the option with increased priority will be very useful and will eliminate the need to transfer to the employee's personal bank card.

Commission for withdrawal at the cash desk or by check

Pay attention to the size of the commission: on what amount it depends and at what volumes it decreases or increases. The percentage of commissions on the cash settlement market varies between 0.5-1.5%. There are options for 4-8% of the withdrawal amount, but these are cash-out schemes. In this case, it all depends on the bank with which you want to work, and on how much you need it.

The rigor of financial monitoring

A very important indicator. Financial monitoring is in every bank. You and I should be interested in which of them can turn a blind eye to the partially gray schemes of the legal entity. Even if you work extremely honestly, pay all taxes, I insist that you open accounts in top commercial banks. Whatever it was, but giant banks never refuse to purse documents out of the blue. Therefore, it is necessary find the golden mean of the bank's reliability and adequacy in relation to financial transactions of clients. I do not advise you to open accounts in little-known or financially unstable banks. Such organizations give the green light to almost all activities and cash in on everything that moves. Such Robin Hoods live no more than 2-3 years until the Central Bank decides to close their “shop”. Unfortunately, no one can guarantee that your working capital someday return to the accounts of your company after the closure of such a bank.

Account balance accrual

Many banks now offer a service similar to the calculation of interest on the balance of funds from debit cards. For example, your current account has an amount of 2,000,000 rubles. This money is simply gathering dust on the balance sheet, since no movements are expected in the next 1-5 days. This money can be put into internal savings account, where they will be additionally charged 6-9% per annum. This will allow you to scroll through the interest and give the money the opportunity to work a little for the benefit of the company, and not just lie on the account as a dead weight. Often there are situations when you need to pay suppliers in a week, and the required amount is already in your account. Agree, it would be foolish not to use the money during this downtime.

Working hours of tellers and payment processing

This is the time for which payments are made on settlement accounts. in manual mode. V different banks terms may differ and vary within 9-20 hours a day. Modern banks offer to make payments for many positions in automatic mode. The steeper the bank, the more operations it automates, leaving for self made just checking large sums and foreign transactions in foreign currency.

Internet bank

As in any kind of personal accounts, the main thing here is convenience and saving time for customers. Internet banking allows you to create payment templates, maintain a workflow of transactions: sent/signed or waiting to be sent, in processing, completed, and so on; keep records and statistics on completed transactions and amounts. By the way, recommended by me Tinkoff banks and Tochka have in their arsenal more mobile banks for legal entities, which allows you to carry out all transactions on your current account directly from your phone. The most important thing in this case is do not forget about information security. Convenience is convenience, but if you lose or forget your phone, just imagine how much trouble you can make and how much money you can lose. To prevent scammers from getting to your mobile application RKO, use passwords and secure locks. Talk to your manager and find out what regulations are used in such situations.

Conditions for linking a card

Many banks offer to link a "business card" to the cash register. Here you should pay attention to the annual subscription fee, the availability of an ATM network (% for cash withdrawals and monthly withdrawal limits). If this would be more profitable than withdrawing funds by check at the cash desk, then why not save your time and not use the services of an ATM?

Technical support of the bank and assigning a manager to you

This moment is not so important, but it still helps a lot when questions arise, the answers to which cannot be found in open sources. It's great if a person with an internal number or work number is assigned to you. mobile phone who will know who you are and what your work system is. This will solve the problem of the endless repetition of the same things on hotline bank with constant expectations. Agree, you often have to feel like a parrot when, having explained the problem to the operator, it turns out that this problem is unknown to him, and he is forced to entrust its solution to another specialist. To avoid such unpleasant communication, when opening an account, ask if you can get your manager's contacts, and then call him to get to know each other and check if they gave you the correct number.

Paper question: what documents are needed for cash settlement?

To open a bank account for IP, you will need to provide the credit institution with the following package of documents:

• the passport;
• an identification number;
• registration number of an individual entrepreneur.

But for legal entities with the status LLC, JSC, PJSC and the like, you will need a thicker package. From them, the credit institution requires:

• registration number;
• an identification number;
• company charter;
• Order on the appointment of the Director of the enterprise;
• others founding documents legal person.

More detailed step by step instructions how to open a bank account, you will find in my separate article.

Which banks provide the most favorable conditions for cash settlement

Remember how we chose a bank where you can issue profitable ones? Then we went through a lot with you credit organizations and reviewed several dozen plastic cards before they could find the most suitable option for themselves. In the case of RKO, the situation is even more complicated. It is not so easy to find a bank to which you can completely entrust your money and allow you to keep the company's current account. The choice should be based on many factors. I invite you to consider the proposals of the two largest banks in the country and decide which one is closest to you.

tks

Tinkoff, in addition to the SMS alert system, business lending, Internet acquiring and other two months free service bills and payments. It will be possible to cooperate with the bank remotely through Personal Area in the application. The program can be downloaded to a mobile or tablet, you can work with the bank through a browser. In addition, the bank allows you to save time on the submission of tax returns, since it independently deals with taxes, fixed contributions and automatically calculates all payments, generates payment orders and reminds you of the need to transfer them. All that is required of you is to sign the declaration and send it from your personal account.

You can choose for your business one of three tariffs for cash settlement:

• « Simple 490 rubles per month. The first three payments can be made completely free of charge, and each subsequent one will cost 49 rubles. For replenishment of the account, you will need to pay 299 rubles;
• « Advanced", the cost of which is 990 rubles per month. Within this tariff, you can make 10 payments for free, and all subsequent payments will cost 29 rubles. Unlimited payments will cost customers 990 rubles per month. But for replenishing the account, you will have to pay a commission in the amount of 99 rubles, if the account is replenished at a time in the amount of up to 100 thousand rubles, or 749 rubles, if we are talking about an amount in the range of 100-300 thousand;
• « Professional”, cost 4990 rubles. Each payment here costs 19 rubles, and the purchase of a package of unlimited payments will cost 1990 rubles a month. Replenishment of the account costs exactly the same as in the case of " Advanced» tariff.

Entrust RKO to TKS bank

Dot

Bank " Dot", which is a branch of the backbone bank" Opening”, offers to transfer the entire process of opening an account online. Immediately after submitting the application, the entrepreneur is assigned an account number, which can be safely indicated in the contracts and transferred to his counterparties. The bank independently notifies the tax office about opening an account and informs the client's partners about the change of details. You can connect to your current account overdraft to insure yourself in case cash gap accumulated accounts receivable or an increase in turnover. In addition, you can use the services of currency control, acquiring, cash collection and other lending and insurance services.

Bank offers tariffs for cash and settlement services of three categories:

• « Low cost» with a monthly payment of 7 50 rubles. Such a tariff plan allows you to make 5 free payments per month, withdraw up to 100 thousand rubles without commission at any ATM. By the way, the possibility of cashing out automatically solves the problem of how to withdraw money from a current account;
• « Economy» cost 1900 rubles per month- this is the accrual of 7% on the balance of funds on the current account (for those who do not know how to calculate interest, I advise you to read my article ""), 100 free payments per month, the ability to withdraw 200 thousand rubles from the account;
• « Business" per 7500 rubles per month- 7% per annum on the balance of funds, 500 free payments and as much as 300 thousand rubles, which can be cashed out at any ATM with 0% commission.

Start cooperation with Tochka

Summary

Well, let's summarize? I am sure that after reading this article, you all came to the same conclusion - no entrepreneur can exist today without cash management services. The advantages of this service are obvious, because the possibility of implementing cashless payments helps us make our lives easier, more convenient and more mobile. Even though RKO implies additional costs, such service saves time, since all transactions on the current account can be carried out through a smartphone with Internet access.

I sincerely hope that after reading this review, you will cast aside all doubts about whether to pay or not pay for cash settlement services, and start saving your time and energy by delegating part of the work to the bank. That's all for me. As always, I ask you to share your impressions of RKO in the comments, tell us which banks you order the service from and why. In the meantime, I say goodbye, see you soon!

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