In January 2017, the package of documents provided for opening a current account for an LLC changed. Certificates of registration and registration with the Federal Tax Service were abolished, and the Unified State Register of Legal Entities was put into effect.

Complete list of documents

Opening a current account for an LLC is a standard procedure. Requirements for the package of documents in different banks differ, but the main list remains the same. Constituent documents and orders are submitted to the bank in the form of copies, which can be certified by a notary or a bank employee, and banks certify copies of documents free of charge.

The procedure is regulatedArticle 5 Federal Law dated 02.12.1990 N 395-1Chapter 4 of Bank of Russia Instruction No. 153 dated May 30, 2014 .

Table 1. List of required documents for opening a current account for an LLC

Name	The essence of the document	Validity
Charter	A copy of the LLC Charter with the stamp of the Federal Tax Service department	—
Certificate of state registration legal entity	Confirms the legality of the existence and functioning of the organization, the entry into the state register of an entry on the registration of a legal entity and the assignment of a OGRN to it	—
Certificate of registration in tax authority	Confirms registration with the Federal Tax Service office at the location of the organization and assignment of a TIN and KPP to it	—
Unified State Register of Legal Entities sheet according to form No. R 50007	An analogue of the Certificate of State Registration and the Certificate of Registration since 2017.	—
Extract from the Unified State Register of Legal Entities	Contains all information about the organization at the moment	10-30 days
Documents confirming the powers of the director, general director	Orders, protocols or decisions on election	—
Licenses	An official document establishing the right to engage in any activity	Restrictions depend on the type of activity of the organization
Card with sample signatures and seal impressions	Contains sample signatures of persons authorized to dispose of funds stored in the account, a seal impression and other information	Indefinitely or limited by the terms of office of the persons indicated in the card
Power of attorney for opening a current account or concluding agreements on behalf of the organization	Necessary if the opening procedure is performed by an employee of the organization who is not its manager	Validity period is unlimited. If it is not specified, then the power of attorney is valid for a year
Documents confirming the authority of the organization’s employees to manage funds in the current account	Orders conferring powers and granting the right to sign or power of attorney, which contain the powers and category of signature	The validity period of orders is unlimited, unless restrictions are specified in the order itself. The duration of powers of attorney is unlimited, but if it is not specified, then powers of attorney are valid for a year
Identity documents of employees authorized to manage funds in the current account	For citizens of the Russian Federation - passport. For foreign citizens - passport, migration card and document confirming the right to stay or reside in the Russian Federation	—
Application for opening a current account		—
Customer profile	Filled out at a bank branch	—

Let's look at each document in more detail.

Charter

Where to get: formalized by the organization, then registered with the Federal Tax Service

Requirements for certification: notary or bank employee

If previously, when registering with the Federal Tax Service of the Russian Federation, the company received the original Charter, today - only a copy. Information about this is contained on the Federal Tax Service stamp on the last page. It is worth paying attention to this, since a cash settlement specialist can certify a copy taken only from the original.

Figure 1. Stamp of the Federal Tax Service on the Charter

According to Article 79 “Fundamentals of Legislation Russian Federation about notaries”, only a notary can certify a copy of a copy. RKO specialists often turn a blind eye to this circumstance and independently certify the entire package of documents. Nevertheless, it is worth making preliminary inquiries at the bank, and in case of refusal, notarize a copy of the Charter or order it from tax office.

Certificates of state registration of a legal entity and its registration with the tax authority

Where to get: issued by the Federal Tax Service upon registration.

Requirements for certification:

Until 2017, they were issued by the Federal Tax Service when registering organizations. They were then abolished and replaced by the Unified State Register of Legal Entities. Remains valid for companies created before 01/01/2017.

Unified State Register of Legal Entities

Where to get: issued by the Federal Tax Service upon registration.

Requirements for certification: notary or bank employee.

Contains information about the inclusion of an organization in the Unified State Register of Legal Entities and confirms the legality of its existence and functioning. Issued upon registration with the Federal Tax Service from 01/01/2017.

Extract from the Unified State Register of Legal Entities

Where to get: issued by the Federal Tax Service upon application.

Requirements for certification: served in original.

Contains complete information about the company. Issued by the Federal Tax Service for on paper after paying the state fee. A free extract can be obtained on the website of the Federal Tax Service of the Russian Federation.

Documents confirming the powers of the sole executive body of the organization

Where to get:

Requirements for certification

Such a document is the minutes of the meeting of founders or the order for the appointment of a director. If the founder is also the head of the organization, he issues an order to assign these responsibilities to himself. In the same order, he may be assigned accounting responsibilities.

Documents confirming the authority of the organization’s employees to manage funds in the current account

Where to get: orders on the main activities of the organization.

Requirements for certification: notary or bank employee.

We are talking about persons who have the right to manage the organization’s funds on an equal basis with the manager. It is necessary to provide the bank with orders or powers of attorney granting employees such powers.

An order assigning accounting duties will also be required. They can be assigned to both the manager and the employee of the company.

Licenses

Where to get: territorial executive bodies (Rosobrnadzor, Rosalkogolregulirovanie, Russian transport inspection Ministry of Transport of the Russian Federation, etc.).

Requirements for certification: notary or bank employee.

Issued by territorial executive bodies if the company's activities are subject to licensing. On this moment In Russia, the validity period of most licenses is unlimited. This applies to areas of activity such as:

• pharmaceuticals;
• education;
• construction;
• operations with ferrous and non-ferrous metals, etc.

Licensing term restrictions apply to the following types of activities:

• passenger and cargo international and domestic Russian transportation;
• wholesale and retail alcohol products.

These licenses are issued for a period of 1 to 5 years.

If a company does not have a license or its validity period has expired, maintaining commercial activities should be suspended.

Card with sample signatures and seal impressions

Where to get: drawn up and certified by a notary or bank employee.

Requirements for certification: Served in original.

The card can be certified by a notary or a bank employee, subject to the personal presence of persons authorized to sign. The procedure is paid, but its cost in banks is several times cheaper than with notaries.

The card must contain at least two signatures, unless otherwise regulated by an agreement between the client and the bank, as well as a seal.

The card is provided in a single copy, after which a bank employee, if necessary, personally makes and certifies copies.

The card is valid until the end of the bank account agreement or until it is replaced with a new one. The validity period of temporary cards is limited to the term of office of the persons indicated on them.

The procedure for issuing a card is regulatedChapter 7 of Bank of Russia Instruction No. 153-I dated May 30, 2014 “On opening and closing bank accounts, deposit accounts, and deposit accounts”

Approximate list of additional documents

To ensure the reliability and financial stability companies, the bank can expand the list of documents for opening a current account. For LLCs already leading economic activity, the list includes additional items:

• information about beneficial owners, beneficiaries and counterparties is provided in the form of a questionnaire on bank letterhead;
• letters from counterparties characterizing the company, on letterhead and signed by the manager;
• financial statements for the last reporting period.

The appendices to the instruction of the Central Bank of the Russian Federation No. 153-I indicate the required documents for opening a bank account for individual entrepreneurs. How an entrepreneur can prepare for a visit to the bank, which papers should be collected in advance, and which will need to be filled out on the spot - read the article.

List of documents for opening a bank account for individual entrepreneurs that you need to take with you

The list of documents for opening an account differs in different banks. Despite the fact that it is approved in the appendices to instruction No. 153-I, organizations have the right to require additional papers. To save time and reduce the number of office visits, prepare originals and certified copies of documents in advance.

If there is no time to collect documents and prepare, entrust the registration of a current account to third-party specialists. You can contact outsourcing companies that provide registration and accounting support services. An example of such a service is . Experts will take over communication with banking and tax officers- and you will be able to deal with pressing business issues without being distracted by routine.

What documents are needed to open a bank account for an individual entrepreneur:

• Passport individual entrepreneur or an authorized representative - necessarily the original;
• Certificate of registration of individual entrepreneur in any form;
• Certificate of assignment of TIN - also original;
• Certificate from Rosstat showing species codes economic activity. Some banks do not include this certificate in the list of required documents and may open an account without it;
• Extract from the Unified State Register of Individual Entrepreneurs;

Licenses or patents are needed when they are directly related to the legal capacity of an individual entrepreneur to open an account. If IP - foreign citizen, a migration card or a document confirming the right of residence in the Russian Federation is provided to the bank.

What documents are required to be filled out at the bank to open an account for an individual entrepreneur?

Once the package of documents has been prepared, contact the selected bank to fill out additional paperwork. If a trusted person acts instead of you, you can open an account on the basis of a notarized power of attorney. At the branch, fill out a form, an application for opening an account, a card with sample signatures and a service agreement.

Statement

The application is the basis for opening a current account. It can be filled out by hand or in electronic format. For convenience, download the form and fill it out in advance. Some financial institutions provide the opportunity to fill out a document on the bank’s website.

The application includes full information about the individual entrepreneur, currency and type of current account. After filling out all the lines on the sheet, the entrepreneur signs, Chief Accountant, banking specialist.

Questionnaire

When opening an account, an individual entrepreneur or his representative fills out a form if it is provided for by the bank’s rules. The form is developed individually by the financial institution.

Cards

Be prepared to prepare other documents for opening a bank account for individual entrepreneurs in 2018. In some cases, you need to make a card with samples of the seal and signatures of persons who have the right to manage the account, as well as documents confirming the authority of third parties.

Sample card:

A card is not needed if:

• transactions will be carried out only by the client;
• the agreement provides for the disposal of funds using an analogue of a handwritten signature;
• the account is opened for non-cash transactions or deposit of funds.

Service contract

The contract is signed last. Read all paragraphs carefully, including footnotes and fine print. If necessary, take a lawyer with you. At the time of signing the service agreement, you automatically agree to all terms and conditions.

Additional documents

After the documents necessary to open an individual entrepreneur account have been completed, Bank employee may offer to conclude an agreement on the use of remote services, for example, online banking or client-bank.

Important! Today there is no need to inform the Federal tax service about opening an account - sending information about all accounts of entrepreneurs is the responsibility of bank employees

The procedure for opening a bank account takes about 40-60 minutes. The account becomes active immediately or after a few hours, less often - after a day.

For small business news, we have launched a special channel on Telegram and groups in

It is difficult for anyone who has decided to organize their own business to do without opening current account. Although entrepreneurs formally have the right to work only with cash, in practice this significantly limits their capabilities. Legal entities are required by law to open a bank account in any case.

At the first stage you need to select financial institution, maximally satisfying all business needs, and then study the bank’s requirements for clients. Let's look at what documents are needed to open a current account for legal entities and entrepreneurs.

Selecting a Financial Institution

Maintaining a current account is a paid service, and the final amount of expenses will depend on the number of sent payment orders, cash withdrawals and other transactions. Many banks offer services that already include a certain number of payments, and choosing such a package offer usually helps you save on banking services.

However, this is not the only criterion for choosing a bank. One of the most significant is the reliability of the financial institution. It is better to choose a tariff that is several hundred rubles more expensive than to enter into an agreement with a dubious bank, which can then cause many problems.

You should also take into account the location of the bank - many businessmen will have to regularly visit the operational office to sign documents, deposit cash, and receive corporate cards.

An important selection criterion for entrepreneurs and organizations will be the following: Additional services like: internet banking, smartphone app, appointment personal manager and accrual of interest on the account balance.

And, of course, you should pay attention to the list of documents that must be provided to open a current account. After all, they may differ in different institutions. As a rule, with full list can be found on the banks' websites.

General conditions for opening a current account

For banks, every client is important, especially during economic downturn. Conditions for opening a current account for Lately have changed a lot for the better. Many banks no longer require notarized documents; it is enough to bring the originals to the branch, and employees will certify the copies in the presence of the businessman. Cards with signatures can also be certified by the bank itself.

An application for opening a current account can be submitted through an online form on the website of a banking institution, which allows businessmen to save time and allows bank employees to check necessary information about an organization or individual entrepreneur, request the necessary extracts and prepare a printed application.

Simplification of the procedure has significantly reduced the time required to open a current account. In most banks today this requires no more than 1-2 days.

Documents for opening an entrepreneur account

What documents are needed to open an individual entrepreneur current account? Each bank has the right to approve its own mandatory list. However, the main documents for opening an individual entrepreneur’s current account in all financial institutions are:

• entrepreneur's passport;
• round seal (if the individual entrepreneur has one);
• documents confirming the identity and powers of the persons indicated in the personal card, for example, an accountant;
• license for the activity being carried out (if the activity is subject to licensing).

Some banks continue to require an extract from the Unified State Register of Individual Entrepreneurs, but the majority request it from the tax office on their own. Individual entrepreneurs also have the opportunity to submit an application and upload all documents electronically. Many banks fill out cards with sample signatures and seals at the operational office, which also allows you to save on notary services.

Documents for opening a current account for a legal entity

A bank account for a legal entity is a necessary condition for conducting business activities, because transfer tax payments LLC can only from a current account. Taking this into account, the company's management needs to carefully approach the choice of a financial institution.

The list of documents that a legal entity will need to open a bank account differs from the list for an individual entrepreneur. The fact remains unchanged that the bank usually requests an extract from the state register itself. Along with the application to open a current account, the organization must provide the following documents:

• constituent documents: the organization’s Charter certified by the tax inspectorate and the decision to establish a legal entity;
• passport of the manager and documents on his powers;
• documents confirming the powers of other persons indicated in the organization’s personal card (decision or order of appointment, passports);
• round seal of the organization, if applicable;
• license for the activity being carried out (if issued).

It is also necessary to provide a certificate of state registration of a legal entity, but only if the legal entity was registered before 01/01/2017. Organizations created later submit a Unified State Register of Legal Entities sheet.

If a current account is opened immediately after company registration, additional documents are unlikely to be required. But in the case when the organization is already conducting its business activities, the bank may additionally request:

• accounting reports with tax inspectorate marks on delivery;
• certificates of absence of debts to the budget and funds.

These documents are needed to assess the reliability of a legal entity. After analyzing all the documents, the bank decides to open a current account. Unfortunately, a financial institution may refuse to open it. Basically, refusals are associated with the provision of documents that contain false information about the company.

When positive decision the bank enters into an agreement with a legal entity on opening a current account and servicing it in accordance with the chosen tariff plan. The contract also stipulates additional services.

Notification of regulatory organizations about the opening of a current account

U responsible persons The question often arises: do I need to be referred to any institutions? After all, previously all organizations that opened a current account were required to notify the tax inspectorate and extra-budgetary funds within seven days.

But as of May 1, 2014, this responsibility has been assigned to banking institutions. And for individual entrepreneurs and legal entities, opening a current account ends with a visit to the bank itself, and there is no need to fear fines for lack of notification.

Conclusion

Thus, today opening a current account does not require a lot of time and effort from a businessman. The number of documents required for this has been reduced to a few basic ones, and many operations (notification of the Federal Tax Service and funds, request for statements, certification of cards and copies) are carried out by the banking institutions themselves. However, we should not forget that the bank has the right to refuse to open an account. Therefore, all documents provided must be current and contain reliable information.

The list of documents for opening a bank account depends on the type of organization and the purpose of its existence. There are over 30 types of organizational and legal forms of legal entities, according to the definitions in the Civil Code of the Russian Federation and other legislative documents, of which about a dozen are commercial.

Below we will consider the issue of opening an account for the most popular commercial enterprises:

The bank's requirements depend on the status of the legal entity (resident or non-resident, branch or representative office, notary or lawyer, etc.). The most accurate list of documents required for opening and maintaining a current account is always easier and faster to obtain from the bank with which you plan to enter into a settlement agreement.

Many banks today offer opening a preliminary account online (without visiting the bank). You fill out a special form and receive account details for which you can immediately accept payments. Later, after a personal visit to a bank branch, you can conclude an agreement and continue to use your current account to the fullest.

Standard package of documents for opening a current account for an individual entrepreneur - a resident of the Russian Federation

1. Certificate of registration of an individual as an individual entrepreneur - OGRNIP. If registration was carried out earlier than 01/01/2004, then the original certificate of entry into the Unified State Register (USRIP) is required.
2. Certificate of registration with the tax authority (this is a document with a TIN, now the certificate can be obtained from your tax office even in electronic form, the data with the TIN can optionally be entered in the passport, however, it is best and easiest to provide the certificate to the bank on a government-issued form sample).
3. Extract from the Unified State Register of Individual Entrepreneurs. An extract is issued upon registration of an individual as an individual entrepreneur, however, its validity period is no more than 30 days from the date of receipt. If 30 days have passed, you may need to contact the tax office again for an extract (but the bank may not request this document, or accept the expired one).
4. Information letter from RosStat ( federal Service state statistics) on the assignment of OKVED and OKPO codes.
5. Passport of an individual entrepreneur (with Russian citizenship), if the account is opened in person. For the authorized representative - a passport and a document confirming authority (notarized power of attorney).
6. If the activities of an individual entrepreneur require licensing, it is necessary to provide licenses or other permitting documents.
7. If it is not only the individual entrepreneur who will sign documents, then passports and documents confirming authority must be provided for all employees authorized to sign.
8. The remaining documents can be completed directly at the bank (application for opening an account, card with samples of the seal and signatures of responsible persons, power of attorney for the right to receive statements, questionnaires, etc.). You can obtain forms and fill them out yourself at any convenient time, which will significantly speed up the process of opening an account.

Depending on the selected cash settlement service, at the exit you will receive your copy of the signed agreement, information about the open account (account number, BIC, etc.), as well as: a card linked to the account (with an envelope containing a PIN code), a check book, access parameters personal account(login and password), USB token (hardware key for access to Internet banking).

Standard package of documents for opening a current account for a limited liability company (LLC) - a resident of the Russian Federation

1. Current constituent documents (Charter, changes, if any, Memorandum of Association).
2. Certificate of registration of a legal entity (OGRN) and/or certificate of entry into the Unified State Register of Legal Entities (if the LLC was registered before 01/01/2002).
3. Certificate of tax registration.
4. The bank may, at its discretion, require an extract from the UGRLE (must be no older than 30 days from the date of issue) or, as an alternative, a Record Sheet (issued after registration with the tax office, valid for no more than 30 days from the date of receipt).
5. Information letter from RosStat, which indicates the assigned OKVED codes and OKPO.
6. Documents confirming the powers of the sole executive body legal entity (general director, chairman of the board, president, etc.) or other persons selected to manage the company’s current account. Such documents may include minutes of the meeting (extracts from the minutes) with the decision on election/appointment, contracts concluded with the manager, etc.
7. Identification documents of those persons who are authorized to manage a current account, receive statements, sign and maintain check books.
8. If a current account is opened by a trusted person, it will be necessary to provide a passport of a citizen of the Russian Federation and documents confirming the powers of the authorized person.
9. If the activities of an organization require mandatory licensing, the bank must be provided with licenses or permits issued by authorized bodies.
10. Bank documents (application for opening a current account, information about the LLC participants, questionnaires, a card with sample signatures and seals, a power of attorney for the right to receive statements and the service agreement itself). Some documents can be filled out before visiting the bank (for example, by downloading them from the bank’s official website or by first picking up the necessary forms at the bank’s office); this task is especially relevant with cards on which sample signatures will be affixed officials(Only original signatures are required, facsimiles or electronic copies will not be accepted).

The agreement is signed in two copies, one remains with the bank, the second is given to the LLC representative who opens the account. Depending on what additional services will be connected to RKO, all necessary materials will be issued, provided for by the contract(account details, cash cards, USB tokens, check books etc.).

Every entrepreneur has to make payments with his partners, suppliers and creditors. But not in all cases it is allowed to work with cash and the merchant has to open a bank account.

What is the procedure for opening a current account?

The first thing you need to do is provide the bank with evidence that your organization is registered with the tax office. Without this important document, no one Russian bank does not have the right to open an account for entrepreneurs.

To open an account you must present:

1. Handwritten statement on a special bank form. The application must be submitted by the head of the enterprise or his authorized representative (notarized)
2. All package of constituent documents and their copies certified by a notary or, if the bank provides such a service, by the bank itself
3. Original and copy certificates from tax organization , that your company is registered for tax purposes
4. Notarized seal impressions and sample signatures of persons who can manage the account without additional powers of attorney, and those persons to whom a power of attorney has been issued to manage the account
5. A copy of the order appointing the director of the enterprise or the chief accountant, that is, persons who have the right to dispose of the account and payment documents

This master list of documents, which banks require when opening an account, but in some cases a financial institution may require additional documents, for example, a director’s questionnaire.

If you have Joint-Stock Company , then when opening an account, you will need to provide:

1. charter
2. protocol general meeting, where a decision was made to open a temporary account, which is used to contribute the authorized capital,
3. notarized powers of attorney for those persons who will be involved in opening the account.

Of course, all payments can be divided into cash and non-cash, but if your counterparty is located in another city, then it is best to pay him by bank transfer. This is what a bank account is for making such payments.

Most profitable offer on opening, closing and working with an account is offered by the Russian Security Council. It is also convenient that it has many branches throughout the country. The bank has extensive experience in managing settlement and cash services clients, online service, and its work is recognized as one of the most reliable.

For what purposes do you need to open a current account?

If you decide to do business, then it is best to have all financial carry out transactions by bank transfer.

Sometimes a new businessman does not have extra funds to pay wages a hired cashier, and the premises do not allow for a cash register. In this case, it is more convenient to move any sum of money through the bank.

In such banking services there are many benefits:

• you don’t need to have cash “on hand”, which is very dangerous (after all, they can be robbed), but various financial transactions with your partners, creditors, rent payments and repayments tax notices can be done through a bank account. Having your own account with Sberbank, you can make budget transfers, payments to pension and insurance funds, without moving around the city with a large cash portfolio.
• You will be relieved of the obligation to personally execute many payment orders if you discuss this with the bank in advance.

To become a client of the bank and be able to open an account, you will need standard set documents:

1. Application written in your own hand on the letterhead of a financial institution
2. A copy and original certificate of tax registration and registration of your enterprise
3. Passport
4. A copy and original of the patent or license on the basis of which your enterprise will operate
5. A power of attorney certified by a notary office from the head of the enterprise for those persons who are included in the card with a list of persons who have the right to manage the funds of the enterprise
6. Stamp of the organization's seal, and sample signatures of the executive body (these documents can be certified at the bank branch)

The collected package of documents will be checked by bank employees, and if there are no complaints, then a current account will be opened for you, assigning it a unique number.

If you need to certify other samples of signatures, in addition to the executive body, or if a trusted person is opening an account, then all documents, without exception, are certified in a notary office. Well, if an entrepreneur decides to add a card with sample signatures in the presence of a bank employee, then it is not necessary to have this signature certified by a notary.

What you should know when opening an account

The Savings Bank of Russia can certify many documents yourself required to open an account, and you can significantly save on this: you won’t need to contact a notary.

Every businessman who decides to open a bank account needs enter into a service agreement with the bank. In accordance with this agreement, you will have your rights and obligations for its execution, and the bank will have its own.

Obligations of the parties when opening a current account

Sberbank of Russia undertakes the following obligations:

• provide the client with the opportunity to register in the online system, assigning each registered a unique identification number and password to access the system worldwide
• accept for mandatory execution documents sent by the client in electronic form. They must be reviewed no later than the next day after they are received.
• not to transfer or disclose the client’s data about his banking transactions on translation and receipt Money on his account, except in cases where this is provided for by law
• ensure the security and protection of all data entrusted to the bank based on the concluded agreement
• provide your clients with any information on the safe use of the bank’s system online, and warn about the consequences of non-compliance. To log into the system, the bank sends the client a password to log in to the phone number specified in the agreement
• provide clients with the opportunity to contact bank employees around the clock to resolve a wide variety of issues via telephone

The bank has the right:

Client online systems The Security Council is obliged to ensure:

• Timely payment for services provided by the bank for maintaining an account.
• Security of information provided by the financial institution to log into the system. It cannot be passed on to anyone.
• If an unknown person is detected logging into the system, immediately change the login password. If this is not possible, then as soon as possible you need to contact a bank employee by phone, or contact any of the departments
• Careful verification of the data sent in the SMS message with the details of the financial transaction being carried out. If all the invoice details match, you need to complete it by entering the confirmation password sent by the bank.
• In the event of a change of surname, residential address, or receipt of a new passport, you should immediately report all personal changes bank employee. After taking into account the changes, a new contract will be concluded with you.

Clients of the online security system are granted the following rights:

• To receive a full package of services in accordance with the concluded agreement
• If you have any complaints about your work online service, send a complaint by email, or in person to any division of Sberbank
• If written confirmation is required financial transactions, then you should contact any branch of the bank to provide information

How to issue a salary card for company employees

For getting salary cards for employees, the employer should enter into an agreement with the bank special agreement for the issuance of such cards. Obvious and advantages of such a system payments to employees of the funds they earned:

• you don’t have to order collection services when huge amounts are transported,
• no need to involve an employee to issue them,
• and the employees themselves do not need to stand in line to receive money; they can receive it at any convenient time.

Choose convenient bank The entrepreneur himself can do the service; it is best to do this at the stage of registering the enterprise.

SB RF, unlike others financial organizations engages in servicing mainly large commercial facilities.

If your enterprise is large, then conditions for servicing salary cards in SB the most attractive, and the range of services is simply huge. For small businesses, you can contact a small but well-known bank.

To issue salary cards you must:

• fill out the form provided by the bank
• prepare a list of employees in whose name the cards will be issued.

It should be remembered that every month the bank will withdraw from the card account a certain amount, specified in the agreement, for its servicing. Percentages may vary depending on the type VISA cards, MASTER-CARD, or MAESTRO.