22.08.2019

The need to open a current account for legal entities and individual entrepreneurs arises when making non-cash payments.

The law does not require mandatory implementation entrepreneurial activity. But article 45 Tax Code involves exclusively non-cash transfer of tax obligations.

Today there is a huge choice favorable tariffs servicing business entities in various credit institutions, it will take some time to prepare the necessary documentation for the bank.

What are needed for legal entities to open a bank account - list for LLC

Having chosen the bank and the most acceptable tariff plan, the legal entity must submit to the operator the original documents, the list of which is approved by Instruction of the Central Bank of the Russian Federation No. 153-I dated May 30, 2014.

The list of documents for legal entities is quite lengthy. To open a current account, an organization (LLC) presents to the bank:

• charter;
• LLC registration certificate;
• certificate of registration with the tax office;
• paper confirming the authority of the manager (minutes of the meeting of shareholders, order, decision);
• identification document of the head of the company;
• sheet with statistics codes;
• cards with sample signatures of company trustees and seals (certified by a notary or bank employee);
• license and permit, if they are the basis for conducting the activities of the enterprise;
• (if the director of the LLC cannot be present in person when submitting a set of documents).

Banking activities are controlled by Rosfinmonitoring, whose responsibilities include monitoring transactions related to money laundering, terrorist financing, and other illegal transactions.

As part of additional control over the possible occurrence of illegal transactions, the bank may also request other information from a legal entity:

• confirmation of the location of the enterprise (certificate of ownership, lease agreement);
• reviews from counterparties characterizing the business reputation of the company;
• certificate of absence of debt from a legal entity for mandatory payments from supervisory authorities.

Required list of documentation for individual entrepreneurs

Individual entrepreneurs provide the bank with the following documents:

• passport of the individual entrepreneur or authorized representative;
• individual entrepreneur registration certificate;
• taxpayer identification number;
• extract from the Unified Register of Individual Entrepreneurs;
• certificate from Rosstat showing the type of economic activity.

The last listed document is not always required by banks, and a current account can be opened without it.

A license or patent is required if they are directly related to the legal capacity of an individual entrepreneur to open a current account.

If the entrepreneur is a foreign citizen, then the bank must also provide a migration card or document that confirms his right to stay in Russia.

After preparing a package of documents, an individual entrepreneur or his representative (with a notarized power of attorney) fills out a questionnaire and a card with sample signatures and an application to open a current account at the bank.

No card required:

• if transactions will be carried out exclusively by the client;
• the contract stipulates the conditions for disposing of funds using an analogue of a personal signature;
• current account is opened only for non-cash transactions or depositing funds.

At the end of the entire registration procedure, an account servicing agreement is signed.

Review period

Among the variety of offers and conditions of fierce competition, banks attract customers best conditions(low service rates and fast service times).

But with a decrease in the period for opening an account, the costs of this operation may increase, and there will be a need to attract additional resources.

Due to the flexibility of the credit institutions system, the time to open an account can vary from 1 to 10 days.

If there is a delay, it is due to a lack of any documentation or errors in registration.

Practice shows that the time frame for opening an account does not extend beyond two (three) days.

conclusions

The full package of papers required to provide when opening an account may vary depending on the requirements of a particular bank.

Their composition differs from the type of account being opened and legal status economic entity.

The requirements for the type of documents presented also differ: original papers, photocopies certified by the head of the enterprise or a notary.

If the client chooses a tariff for carrying out transactions online, then in addition he is issued a verification key certificate electronic signature and the USB key itself.

Sometimes financial institutions may refuse to open a current account for an applicant. Similar situations arise when a legal or private person provides unreliable, forged documents or an incorrectly executed set of papers.

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 to in electronic format. 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 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 economic activity, 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 within seven days tax office and extra-budgetary funds.

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 State Statistics Service) 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 of a legal entity (general director, chairman of the board, president, etc.) or other persons selected to manage the current account of the enterprise. 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 a visit to 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 of officials will be affixed (only original signatures, facsimiles or electronic copies are not 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 agreement(account details, cash cards, USB tokens, check books etc.).

Documents for opening an individual entrepreneur account

1 Identification documents of individual entrepreneurs, other persons who are not individual entrepreneurs authorized to open an account, included in the Card with sample signatures and seal impressions, as well as persons authorized to use an electronic signature, an analogue of a handwritten signature

• If the individual entrepreneur is a foreign citizen or stateless person, then a migration card and/or a document confirming the right to foreign citizen or stateless persons for stay (residence) in Russian Federation
  
  
  

2. Information about business reputation (one document of the client’s choice):

• 2.1. Reviews (in any written form, if it is possible to receive them) about the Client from other Bank Clients who have business relations with him;
• 2.2. Reviews (in any written form, if possible) from other credit institutions where the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
• 2.3. Feedback (in any written form, if it is possible to receive them) from the Client’s main/planned counterparties who have/plan to establish business relations with him, on the assessment of the Client’s business reputation.
  Available in original

3.

• Not required, if a card with sample signatures and seal imprints is submitted according to the Bank’s form
  Provided in the original

4. Powers of attorney (agreements) granting the right to open bank accounts and dispose of them to other persons indicated in the card with sample signatures and seal imprints, granting the right to use an electronic signature, an analogue of a handwritten signature. Documents limiting the powers of individual entrepreneur representatives

• Powers of attorney can be provided in the form of:
  - a notarized copy;
  - original.
  
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy.
  Documents limiting the powers of individual entrepreneur representatives can be provided in the form of:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy.

5. Unified State Register of Individual Entrepreneurs, if less than 30 days have passed since the date of state registration of the individual entrepreneur and there is no information about the individual entrepreneur in the Unified State Register of Individual Entrepreneurs

• The USRIP entry sheet can be provided in the form electronic document, signed with an enhanced qualified electronic signature of a tax authority employee (a file with an electronic document and a file with an electronic signature certificate with the extension “.р7s” is provided), or in the form of a paper document with a notary’s certificate attached on the equivalence of documents on paper media electronic documents; or in the form of a copy of an electronic document compiled and certified on paper by a multifunctional center for the provision of state and municipal services
  Can be provided in the form:- a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  

6.

7. Client Questionnaire - Individual Entrepreneur

8. Tax resident questionnaire - individual entrepreneur/individual entrepreneur 5 × If the Client is a tax resident.

9. KOPOP 6 × Notarized or certified by the Bank. When issuing a card according to the Bank's form, an application for a combination of signatures is not provided.

Documents for opening an account for a person engaged in private practice (PPP)

1. Registration document

• 1.1 Order of the Ministry of Justice of the Russian Federation on the appointment of a notary (for notaries)
  
  
  

  1.2 Document confirming the membership of the Arbitration Manager in self-regulatory organization arbitration managers (for arbitration managers)
  A document confirming the membership of the Arbitration Manager in a self-regulatory organization of arbitration managers may not be provided if on the official website Federal service state registration, cadastre and cartography contains information confirming the membership of the Arbitration Manager in the self-regulatory organization of arbitration managers. The document is provided only in original form and must be drawn up on the letterhead of the self-regulatory organization of insolvency practitioners, of which the Arbitration insolvency practitioner is a member. The document can also be presented in the form of an extract from the register of arbitration managers of a self-regulatory organization of arbitration managers.
  Provided in original

  1.3 Lawyer certificate issued by a territorial body of the Ministry of Justice of the Russian Federation (for lawyers)
  
  - a copy certified by a notary (for clients who are not notaries), a copy certified by another notary (for notaries);
  - the original for subsequent copying by the Bank;
  - a copy certified by the PPPP with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  - a copy certified by the body (organization) that issued (registered) the relevant document (for example, a copy of the Order of the Ministry of Justice of the Russian Federation on the appointment of a notary can be certified by the territorial body of the Ministry of Justice of the Russian Federation that issued the Order)

  1.4 Certificate from the Chamber of Lawyers confirming the lawyer’s membership in the Chamber of Lawyers and the establishment of a lawyer’s office by the lawyer, indicating the registration number from the regional register of lawyers (for lawyers)
  Can be provided in the form:
  - a copy certified by a notary (for clients who are not notaries), a copy certified by another notary (for notaries);
  - the original for subsequent copying by the Bank;
  - a copy certified by the PPPP with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  - a copy certified by the body (organization) that issued (registered) the relevant document (for example, a copy of the Order of the Ministry of Justice of the Russian Federation on the appointment of a notary can be certified by the territorial body of the Ministry of Justice of the Russian Federation that issued the Order)

2. Certificate of registration with the tax authority as a taxpayer

• Can be provided in the form:
  - a copy certified by a notary (for clients who are not notaries), a copy certified by another notary (for notaries);
  - the original for subsequent copying by the Bank;
  - a copy certified by the PPPP with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  - a copy certified by the body (organization) that issued (registered) the relevant document (for example, a copy of the Order of the Ministry of Justice of the Russian Federation on the appointment of a notary can be certified by the territorial body of the Ministry of Justice of the Russian Federation that issued the Order)

3. Documents certifying the identity of the Client, other persons who are not private individuals, authorized to open an account, included in the Card with sample signatures and seal impressions, as well as persons authorized to use an electronic signature, an analogue of a handwritten signature

• If the PPP is a foreign citizen or stateless person, then a migration card and/or a document confirming the right of the foreign citizen or stateless person to stay (reside) in the Russian Federation is additionally presented. For notary clients, documents are certified by another notary.
  Can be provided in the form:
  - a copy certified by a notary (for clients who are not notaries), a copy certified by another notary (for notaries);
  - the original for subsequent copying by the Bank;
  - a copy certified by the PPP with the simultaneous presentation of the original document for review and verification of compliance of the copy.

4.

• The Client can choose from any of the following documents:
  
  
  
  Provided in the original

5. Application for establishing combinations of handwritten signatures of persons authorized to sign, necessary for signing documents containing the client’s order, specified in
card(s) with sample signatures and seal impressions

• Available in original

6. Powers of attorney (agreements) granting the right to open bank accounts and dispose of them to other persons specified in the card with sample signatures and seal imprints, granting the right to use an electronic signature, an analogue of a handwritten signature

• Powers of attorney can be provided in the form of:
  - a copy certified by a notary (for clients who are not notaries), a copy certified by another notary (for notaries);
  - original.
  Agreements can be provided in the form of:
  - a copy certified by a notary (for clients who are not notaries), a copy certified by another notary (for notaries);
  - the original for subsequent copying by the Bank;
  - a copy certified by the PPPP with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  Documents limiting the powers of representatives of PPPs (if any) can be provided in the form of:
  - a copy certified by a notary (for clients who are not notaries), a copy certified by another notary (for notaries);
  - the original for subsequent copying by the Bank;
  - a copy certified by the PPPP with the simultaneous presentation of the original document for review and verification of compliance of the copy;

These documents are provided only in originals.
Generate them automatically using .

7. Application for a comprehensive banking services

8. Client Questionnaire – LZPP

9. Tax resident questionnaire – individual entrepreneur/individual entrepreneur 3 × Provided if the answer is positive to the question “Are you a tax resident of a foreign state?” Questionnaires of a Client who is engaged in private practice in accordance with the legislation of the Russian Federation

9. KOPOP 4 × Notarized or certified by the Bank. When issuing a card according to the Bank's form, an application for a combination of signatures is not provided.

Documents for opening an account for a legal entity

1. Charter

• If there are changes and additions, these changes and additions are provided along with the charter or new edition charter. If there is a new valid version of the charter and previously valid versions of the charter, only the new version of the charter is provided (except for cases where the previously valid versions of the charter are required by the Bank to establish information about the client (for example, if the sole executive officer was elected before approval current edition charter)). The charter can be provided in the form of an electronic document signed with an enhanced qualified electronic signature of a tax authority employee (a file with an electronic document and a file with an electronic signature certificate with the extension “.p7s” are provided), or in the form of a paper document with a notary certificate of equivalence attached documents on paper; electronic documents; or in the form of a copy of an electronic document compiled and certified on paper by a multifunctional center for the provision of state and municipal services.
  Can be provided in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the body (organization) that issued (registered) the relevant document.

2.

• If there are changes and additions, these changes and additions or a new version of the foundation agreement shall be submitted along with the constituent agreement. If there is a new valid version of the constituent agreement and previously valid editions, only the new version of the constituent agreement is presented (except for cases where the previously valid editions of the constituent agreement are required by the Bank to establish information about the client (for example, if the sole executive officer was elected before the approval of the current version of the constituent agreement agreement). The foundation agreement can be provided in the form of an electronic document signed with an enhanced qualified electronic signature of a tax authority employee (a file with an electronic document and a file with an electronic signature certificate with the extension “.p7s” are provided), or in the form of a paper document with an attachment a notary's certificate on the equivalence of documents on paper to electronic documents; or in the form of a copy of an electronic document compiled and certified on paper by a multifunctional center for the provision of state and municipal services.
  Can be provided in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  - a copy certified by the body (organization) that issued (registered) the relevant document.

3.

• 
  
  - companies with limited liability– by a notary (in the form of a certificate), unless another method is provided for by the charter of such a company or by decision general meeting members of the company, adopted by the members of the company unanimously (must also be submitted to the Bank).
  
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy;

4. Identity documents of the manager, persons indicated in the card with sample signatures and seal imprints, other representatives of the legal entity (including persons authorized to use an electronic signature, an analogue of a handwritten signature)

• Can be provided in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  

5. Orders (powers of attorney) granting the right to open bank accounts and dispose of them to other persons indicated on the card with sample signatures and seal imprints, orders confirming that the persons indicated on the card with sample signatures and seal imprints are employees (employees) of the organization, on granting the right to use an electronic signature, an analogue of a handwritten signature

• 
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy;

  Powers of attorney can be provided in the form of:
  notarized copy;
  original.
  Documents limiting the powers of the individual sole executive officer, as well as other representatives of the legal entity, except for its individual sole executive officer,
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy;

6. Information about business reputation (any of the documents listed below can be submitted to the Client’s choice)

• 
  - reviews (in any written form, if it is possible to receive them) about the Client from other Bank Clients who have business relations with him;
  - reviews (in any written form, if possible) from other credit institutions in which the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
  - reviews (in any written form, if possible) of the Client’s main/planned counterparties who have/plan to establish business relations with him, on the assessment of the Client’s business reputation.
  Available in original.

7. Licenses (if required)

• Can be provided in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  - a copy certified by the body (organization) that issued (registered) the relevant document.

8.

• The Unified State Register of Legal Entities entry sheet can be provided in the form of an electronic document signed with an enhanced qualified electronic signature of a tax authority employee (a file with an electronic document and a file with an electronic signature certificate with the extension “.p7s” are provided), or in the form of a paper document with a notary’s certificate attached on the equivalence of documents on paper to electronic documents or in the form of a copy of an electronic document compiled and certified on paper by a multifunctional center for the provision of state and municipal services
  Can be presented as:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  - a copy certified by the body (organization) that issued (registered) the relevant document.

9. Extracts from the register of shareholders (in cases where required by the Bank for the adoption of decisions (minutes) adopted by general meetings of shareholders of Clients who are joint-stock companies).

• 
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  - original.

10. Application for establishing combinations of handwritten signatures of persons authorized to sign, necessary for signing documents containing the client’s order, specified in the card(s) with sample signatures and seal imprint (not required if the card with sample signatures and seal imprint will be submitted in the form Jar)

• Provided in original

These documents are provided only in originals.
Generate them automatically using .

11.

12. Application for provision of comprehensive banking services

13. Client Questionnaire - Legal Entity

14.

Documents for opening an account for a branch (representative office) of a legal entity (LE) - resident

1. Charter

• If there are changes and additions, these changes and additions or a new version of the charter are provided along with the charter. If there is a new current version of the charter and previously valid versions of the charter, only the new version of the charter is provided (except for cases where the previously valid versions of the charter are required by the Bank to establish information about the client (for example, if the individual executive officer was elected before the approval of the current version of the charter). The charter can be provided in the form of an electronic document signed with an enhanced qualified electronic signature of a tax authority employee (a file with an electronic document and a file with an electronic signature certificate with the extension “.p7s” are provided), or in the form of a paper document with a notary certificate of equivalence attached documents on paper to electronic documents; or in the form of a copy of an electronic document compiled and certified on paper by a multifunctional center for the provision of state and municipal services
  Can be provided in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  - a copy certified by the body (organization) that issued (registered) the relevant document.
  For example, the charter can be submitted to the Bank in the form of a copy certified by the tax authority.

2. Articles of Association (only for business partnerships)

• If there are changes and additions, these changes and additions or a new version of the foundation agreement shall be submitted along with the constituent agreement. If there is a new valid version of the constituent agreement and previously valid editions, only the new version of the constituent agreement is presented (except for cases where the previously valid editions of the constituent agreement are required by the Bank to establish information about the client (for example, if the sole executive officer was elected before the approval of the current version of the constituent agreement agreement). The foundation agreement can be provided in the form of an electronic document signed with an enhanced qualified electronic signature of a tax authority employee (a file with an electronic document and a file with an electronic signature certificate with the extension “.p7s” are provided), or in the form of a paper document with an attachment notary's certificate on the equivalence of documents on paper to electronic documents; or in the form of a copy of an electronic document compiled and certified on paper by a multifunctional center for the provision of state and municipal services
  Can be provided in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  - a copy certified by the body (organization) that issued (registered) the relevant document.

3. Regulations on the branch/representative office

• Can be provided in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy.

4. Protocol (decision) authorized body on the appointment of a sole executive body

• In accordance with Art. 67.1 of the Civil Code of the Russian Federation Minutes (decisions) of the general meeting of participants (shareholders) / decisions of the sole participant (shareholder) of a joint-stock company (public, non-public), limited liability company, adopted by them after September 1, 2014, must be confirmed in relation to:
  - a public joint-stock company - the person maintaining the register of shareholders of such a company and performing the functions of the counting commission (registrar);
  - non-public joint stock company - by a notary (in the form of a certificate) or a registrar;
  - limited liability company - by a notary (in the form of a certificate), unless another method is provided for by the charter of such a company or by a decision of the general meeting of the company's participants, adopted unanimously by the company's participants (must also be submitted to the Bank)
  Can be provided in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy.

5. Power of attorney for the head of the branch/representative office, providing the right to open bank accounts and manage them

• 
  - a notarized copy;
  - original.

6. Orders (power of attorney) granting the right to open bank accounts and dispose of them by the manager and other persons indicated on the card with sample signatures and seal imprints, orders confirming that the persons indicated on the card with sample signatures and seal imprints are employees (employees) organization (including the head of a branch/representative office), on granting the right to use an electronic signature, an analogue of a handwritten signature

• Orders can be provided in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy.
  Power of attorney granting the right to open bank accounts and dispose of them to other persons (except for the head of a branch/representative office).
  Can be presented in the form:
  - a notarized copy;
  - original.
  Documents limiting the powers of the individual sole executive officer, as well as other representatives of the legal entity, except for its individual sole executive officer (if any).
  Can be provided in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy.

7. Identification documents of the head of the branch/representative office, persons indicated in the card with sample signatures and seal imprints, and other representatives of the legal entity (including persons authorized to use an electronic signature, an analogue of a handwritten signature)

• Can be presented in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy.

8. Information about business reputation

• The Client can choose from any of the following documents:
  - reviews (in any written form, if it is possible to receive them) about the Client from other Bank Clients who have business relations with him;
  - reviews (in any written form, if possible) from other credit institutions in which the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
  - reviews (in any written form, if possible) of the Client’s main/planned counterparties who have/plan to establish business relations with him, on the assessment of the Client’s business reputation.
  Can be presented in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy.

9. Licenses (if required)

• Can be provided in the form:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  - a copy certified by the body (organization) that issued (registered) the relevant document.

10. Unified State Register of Legal Entities, if less than 30 days have passed since the date of state registration of the legal entity and there is no information about the legal entity in the Unified State Register of Legal Entities

• The Unified State Register of Legal Entities entry sheet can be provided in the form of an electronic document signed with an enhanced qualified electronic signature of a tax authority employee (a file with an electronic document and a file with an electronic signature certificate with the extension “.p7s” are provided), or in the form of a paper document with a notary’s certificate attached on the equivalence of paper documents to electronic documents; or in the form of a copy of an electronic document compiled and certified on paper by a multifunctional center for the provision of state and municipal services
  Can be presented as:
  - a notarized copy;
  - the original, for subsequent copying by the Bank;
  - a copy certified by the Legal Entity with the simultaneous presentation of the original document for review and verification of compliance of the copy;
  - a copy certified by the body (organization) that issued (registered) the relevant document.

11. Application for establishing combinations of handwritten signatures of persons authorized to sign, necessary for signing documents containing the client’s order specified in the card(s) with sample signatures and seal imprints" (not required if the card with sample signatures and seal imprints will be submitted by Bank form)

• Available in original.

These documents are provided only in originals.
Generate them automatically using .

12. Application for provision of comprehensive banking services

13. Client Questionnaire - Legal Entity

14. KOPOP 3 × Notarized or certified by the Bank. When issuing a card according to the Bank's form, an application for a combination of signatures is not provided.

15. Tax resident form – legal entity

Documents for opening an account for a non-resident legal entity

1. Documents confirming the legal status, state registration, election of the sole executive body of a legal entity - non-resident (in particular, constituent documents)

• Can be presented in the form:
  
  
  

2. Documents confirming state registration of a non-resident legal entity

• Can be presented in the form:
  -
  - All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of the foreign state in which the Non-Resident Legal Entity is registered, or at the embassy (consulate) of the foreign state in which the Legal Entity is registered person - Non-resident, on the territory of the Russian Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and legal relations on civil, family and criminal cases, concluded in Minsk on January 22, 1993 and providing that if documents are prepared or certified by an institution, or a specially authorized person within their competence and according to in the prescribed form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral treaties on legal assistance and legal relations in civil, family and criminal cases, in accordance with which documents are presented in the form prescribed by the treaties.

3. Document confirming the election of the sole executive body

• Can be presented in the form:
  - a notarized copy.
  - All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of the foreign state in which the Non-Resident Legal Entity is registered, or at the embassy (consulate) of the foreign state in which the Legal Entity is registered person - Non-resident, on the territory of the Russian Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral treaties on legal assistance and legal relations in civil, family and criminal cases, in accordance with which documents are presented in the form prescribed by the treaties.

4. Internal documents of a non-resident legal entity limiting the powers of the sole executive body and/or other representatives of the non-resident legal entity (if there is, for example, a provision on the sole executive body, a provision on other management bodies of the non-resident legal entity or an agreement on the transfer of functions of the sole executive body management company)

• Can be presented in the form:
  - a notarized copy.
  - All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of the foreign state in which the Non-Resident Legal Entity is registered, or at the embassy (consulate) of the foreign state in which the Legal Entity is registered person - Non-resident, on the territory of the Russian Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral treaties on legal assistance and legal relations in civil, family and criminal cases, in accordance with which documents are presented in the form prescribed by the treaties.

5. Power of attorney issued by a non-resident legal entity to an authorized person authorized to enter into bank account agreements and manage the bank account (if there is an authorized person)

• When registering on the territory of the Russian Federation the power of attorney must be notarized.
  When registering on the territory of a foreign state the power of attorney must be properly legalized with a notarized translation into Russian
  Powers of attorney must be signed by the sole executive body or another representative of the non-resident legal entity with an imprint of the seal of the non-resident legal entity attached, except in cases where the legislation of a foreign state (territory) does not require a non-resident legal entity to have a seal or if the seal of the non-resident legal entity will not be used in the territory Russian Federation (upon provision of a properly executed and certified letter
  Can be presented as:
  - a notarized copy.
  - All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of the foreign state in which the Non-Resident Legal Entity is registered, or at the embassy (consulate) of the foreign state in which the Legal Entity is registered person - Non-resident, on the territory of the Russian Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral treaties on legal assistance and legal relations in civil, family and criminal cases, in accordance with which documents are presented in the form prescribed by the treaties.

6. Certificate of registration with the tax authority (assignment of a TIN) or certificate of registration with the tax authority (assignment of the KIO)

• Provided as notarized copy.
  Is not provided when opening an account for a branch (representative office) of a foreign legal entity, information about which is contained in the Register of accredited branches and representative offices of foreign legal entities.

7.

• Documents confirming the authority of the persons indicated in the card with sample signatures and seal imprints to carry out operations on bank account((not required if the account will be managed exclusively using an analogue of a handwritten signature, and a card with sample signatures and seal imprints for the account being opened will not be provided and used) / documents confirming the authority of persons authorized to use an electronic signature, an analogue of a handwritten signature (provided in relation to persons entitled to use an electronic signature, an analogue of a handwritten signature in the event of concluding a remote banking service agreement with the Bank).
  Provided as notarized copy.

8.

• Can be presented in the form:
  - a notarized copy.
  - All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of the foreign state in which the Non-Resident Legal Entity is registered, or at the embassy (consulate) of the foreign state in which the Legal Entity is registered person - Non-resident, on the territory of the Russian Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral treaties on legal assistance and legal relations in civil, family and criminal cases, in accordance with which documents are presented in the form prescribed by the treaties.

9. Identification documents of the manager, other representatives of a non-resident legal entity, persons indicated in the card with sample signatures and seal impressions, as well as persons authorized to use an electronic signature, an analogue of a handwritten signature

• Can be presented in the form:
  - a notarized copy;
  

10. Application for establishing combinations of handwritten signatures of persons authorized to sign, necessary for signing documents containing the client’s order specified in the card(s) with sample signatures and seal imprint (required when providing a card with sample signatures and seal imprint)

• Provided in original.

11.

• Can be presented as:
  - a notarized copy.
  - All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of the foreign state in which the Non-Resident Legal Entity is registered, or at the embassy (consulate) of the foreign state in which the Legal Entity is registered person - Non-resident, on the territory of the Russian Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral treaties on legal assistance and legal relations in civil, family and criminal cases, in accordance with which documents are presented in the form prescribed by the treaties.

12.

• Provided in original.

13. Information about business reputation

• You can choose from any of the following documents:
  - reviews (in any written form, if it is possible to receive them) about the Client from other Bank Clients who have business relations with him;
  - reviews (in any written form, if possible) from other credit institutions in which the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
  - reviews (in any written form, if possible) of the Client’s main/planned counterparties who have/plan to establish business relations with him, on the assessment of the Client’s business reputation.
  Provided in original.

14. Documents about financial situation You can choose from any of the following documents:

• 14.1 Letter from the Client indicating the name rating agency and the rating assigned to the Client, signed by the Client’s authorized person and certified by the Client’s seal (if there is a seal)
  
  14.3 Annual (or quarterly) copy tax return(with notes from the tax authority on their acceptance or with a copy of the shipping receipt attached) registered letter with a description of the attachment (if sent by mail) or with a copy of the confirmation of delivery on paper attached (if sent electronically)).
  14.4 Copy auditor's report on the annual report for the past year
  
  - a notarized copy;
  
  - a copy certified by a non-resident legal entity with the simultaneous presentation of the original document for review and verification of compliance of the copy.
  14.5 Certificate of compliance by the taxpayer (payer of fees, tax agent) obligations to pay taxes, fees, penalties, fines issued by the tax authority. Provided in original.
  
  Provided as notarized copy.
  14.7 A letter confirming the absence of an obligation to provide at the place of registration or activity of the Client financial reports competent government agencies(provided in original) and copies internal documents for financial and economic accounting purposes (provided in the form of a notarized copy).
  14.8 Letter stating that there are no facts of failure by the Client to fulfill his monetary obligations due to absence Money on bank accounts, signed by the Client’s authorized person and certified by the Client’s seal (if there is a seal). The letter is provided in the original.

15. When opening an account, a representative office or branch of a legal entity that is a non-resident of the Russian Federation is additionally provided with:

• 13.1 Regulations or other document on a branch (representative office) of a non-resident legal entity, a decision of a non-resident legal entity on the creation of a branch (representative office) on the territory of the Russian Federation and the appointment of the head of the branch (representative office).
  Documents can be presented in the form:
  - a notarized copy.
  
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral treaties on legal assistance and legal relations in civil, family and criminal cases, in accordance with which documents are presented in the form prescribed by the treaties.
  13.2 Permission to open a representative office of a non-resident legal entity or other documents indicating the accreditation of a representative office of a non-resident legal entity in the Russian Federation; an extract from the relevant register in which this representative office (branch) of a non-resident legal entity is included in connection with its accreditation on the territory of the Russian Federation.
  Provided as notarized copy.
  Is not provided when opening an account for a branch (representative office) of a foreign legal entity, information about which is contained in the Register of accredited branches and representative offices of foreign legal entities
  13.3 Power of attorney issued to the head of the branch (representative office) to open a bank account, conclude a bank account agreement and/or manage funds in a bank account.
  The document can be presented as:
  - a notarized copy.
  All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of the foreign state in which the Non-Resident Legal Entity is registered, or at the embassy (consulate) of the foreign state in which the Legal Entity is registered - Non-resident, on the territory of the Russian Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral treaties on legal assistance and legal relations in civil, family and criminal cases, in accordance with which documents are presented in the form prescribed by the treaties.

These documents are provided only in originals.
Generate them automatically using .

16. Application for provision of comprehensive banking services

17. Client Questionnaire - Legal Entity

18. Tax resident form – legal entity

Documents for opening an account for a foreign structure without forming a legal entity (ISBOLE)

1. Documents confirming the legal status of the ISBOLE depending on the form of the ISBOLE and the legislation of the foreign state (territory) in accordance with which it was created

• 
  - a notarized copy.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  

2. Documents confirming state registration of ISBOLE (if such registration is required in accordance with the legislation of the foreign state (territory) in accordance with which it was created)

• Documents can be provided in the form
  - a notarized copy.
  All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of a foreign state in which the ISBOLE is registered, or at the embassy (consulate) of a foreign state in which the ISBOLE is registered on the territory of the Russian Federation. Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral agreements on legal assistance and legal relations in civil and family matters;

3. Document confirming the election of the sole executive body (if there is a sole executive body)

• 
  - a notarized copy.
  All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of a foreign state in which the ISBOLE is registered, or at the embassy (consulate) of a foreign state in which the ISBOLE is registered on the territory of the Russian Federation. Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral agreements on legal assistance and legal relations in civil and family matters;

4. Internal documents of the ISBOLE, limiting the powers of the sole executive body and/or other representatives of the ISBOLE (if there is, for example, a provision on the sole executive body, a provision on other management bodies of the ISBOLE or an agreement on the transfer of functions of the sole executive body to the management company)

• Documents can be provided in the form
  - a notarized copy.
  All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of a foreign state in which the ISBOLE is registered, or at the embassy (consulate) of a foreign state in which the ISBOLE is registered on the territory of the Russian Federation. Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral agreements on legal assistance and legal relations in civil and family matters;

5. Power of attorney issued by ISBOYUL to an authorized person authorized to enter into bank account agreements and manage a bank account (if there is an authorized person):

• - when issued on the territory of the Russian Federation, the power of attorney must be notarized;
  - when issued on the territory of a foreign state, the power of attorney must be legalized in the proper manner with a notarized translation into Russian
  Powers of attorney must be signed by the sole executive body or another representative of the ISBOLE with an imprint of the ISBOLE seal attached, except in cases where the legislation of a foreign state (territory) does not require the ISBOLE to have a seal or if the ISBOLE seal will not be used on the territory of the Russian Federation (upon provision of a properly executed and a certified letter).
  The document can be provided in the form
  - a notarized copy.
  All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of a foreign state in which the ISBOLE is registered, or at the embassy (consulate) of a foreign state in which the ISBOLE is registered on the territory of the Russian Federation. Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  

6. Certificate of registration with the tax authority (on assignment of a TIN) or certificate of registration with the tax authority (on assignment of CIO) (in the case of registration with the tax authority).

• Provided as notarized copy.

7. Documents confirming the authority of the persons indicated in the card with sample signatures and seal imprints to carry out transactions on a bank account / documents confirming the authority of persons authorized to use an electronic signature, an analogue of a handwritten signature

• Documents confirming the authority of the persons indicated in the card with sample signatures and seal imprint to carry out transactions on the bank account (not required if the account will be managed exclusively using an analogue of a handwritten signature, and the card with sample signatures and seal imprint will not be included in the account being opened provided and used) / documents confirming the authority of persons authorized to use an electronic signature, an analogue of a handwritten signature (provided in relation to persons authorized to use an electronic signature, an analogue of a handwritten signature in the event of concluding a remote banking service agreement with the Bank).
  Provided as notarized copy.

8. Licenses (permits) (if required)

• Can be provided in the form:
  - a notarized copy.
  All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of a foreign state in which the ISBOLE is registered, or at the embassy (consulate) of a foreign state in which the ISBOLE is registered on the territory of the Russian Federation. Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral agreements on legal assistance and legal relations in civil and family matters;

9. Identification documents of the manager, other representatives of ISBOLE, persons indicated in the card with sample signatures and seal impressions, as well as persons authorized to use an electronic signature, an analogue of a handwritten signature

• Can be provided in the form:
  - a notarized copy;
  - original for subsequent copying.

10. Card with sample signatures and seal imprint, notarized (not required if the account will be managed exclusively using an analogue of a handwritten signature)

• In case the sole executive agency ISBOYUL is located outside the territory of the Russian Federation, its signature may not be included in the card with sample signatures and seal imprints. In this case, an authorized person acting on the basis of a power of attorney is included in the card with sample signatures and seal imprints.
  If the legislation of a foreign state does not establish the obligation to have a seal or if the ISBOLE seal will not be used on the territory of the Russian Federation (if a properly executed and certified letter is provided), in the card with sample signatures and a seal imprint instead of a seal imprint in the “Sample imprint” field stamp" is marked "No stamp"
  Provided in original.

11. Application for establishing combinations of handwritten signatures of persons authorized to sign, necessary for signing documents containing the client’s order specified in the card(s) with sample signatures and stamps (required when providing a card with sample signatures and stamps)

• Provided in original.

12. Permission from the national (central) bank of a foreign country (if required)

• The document can be provided in the form
  - a notarized copy.
  All documents imported into the territory of the Russian Federation from abroad are subject to mandatory legalization at the embassy (consulate) of the Russian Federation on the territory of a foreign state in which the ISBOLE is registered, or at the embassy (consulate) of a foreign state in which the ISBOLE is registered on the territory of the Russian Federation. Federation.
  Legalization of documents is not required if the specified documents are issued in the territory:
  1) states parties to the Hague Convention, concluded on October 5, 1961, which abolishes the requirement for legalization of foreign official documents in the presence of an apostille affixed to the document itself or a separate sheet by the competent authority of a foreign state in accordance with the requirements of the Convention;
  2) states parties to the Convention on Legal Assistance and Legal Relations in Civil, Family and Criminal Matters, concluded in Minsk on January 22, 1993 and providing that if documents are produced or certified by an institution or a specially authorized person within their competence and in the established form and sealed with the official seal, then additional legalization of these documents is not required;
  3) states with which the Russian Federation has concluded bilateral agreements on legal assistance and legal relations in civil and family matters.

13. Information about business reputation

• You can choose from any of the following documents:
  - reviews (in any written form, if it is possible to receive them) about the Client from other Bank Clients who have business relations with him;
  - reviews (in any written form, if possible) from other credit institutions in which the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
  - reviews (in any written form, if possible) of the Client’s main/planned counterparties who have/plan to establish business relations with him, on the assessment of the Client’s business reputation.
  Available in original.

14. Documents on financial position

• 14.1 Letter from the Client indicating the name of the rating agency and the rating assigned to the Client, signed by the Client’s authorized representative and certified by the Client’s seal (if there is a seal).
  14.2 Annual copy financial statements (balance sheet, Report on financial result) (with notes from the tax authority on their acceptance or with a copy of the receipt for sending a registered letter with a description of the attachment (when sent by mail) or with a copy of the confirmation of sending on paper (when sent electronically)).
  14.3 A copy of the annual (or quarterly) tax return (with notes from the tax authority on their acceptance or with a copy of the receipt for sending a registered letter with a description of the attachment (if sent by mail) or with a copy of the confirmation of sending on paper (if sent electronically) ));
  14.4 A copy of the auditor’s report on the annual report for the past year.
  Can be provided in the form:
  - a notarized copy;
  - original for subsequent copying;
  - a copy certified by ISBOLE with the simultaneous presentation of the original document for review and verification of compliance of the copy.
  14.5 Certificate of fulfillment by the taxpayer (payer of fees, tax agent) of the obligation to pay taxes, fees, penalties, fines, issued by the tax authority.
  Provided in original.
  14.6 Copy of audited (in the absence of management) annual financial statements
  Provided as notarized copy.
  14.7 A letter confirming that there is no obligation to provide financial statements to the competent government authorities at the place of registration or activity of the Client (provided in the original ) and copies of internal documents for financial and economic accounting purposes (provided in the form notarized copy).
  14.8 A letter stating that there are no facts of failure by the Client to fulfill his financial obligations due to the lack of funds in bank accounts, signed by the Client’s authorized person and certified by the Client’s seal (if there is a seal)
  Letter provided in the original.

These documents are provided only in originals.
Generate them automatically using .

15. Application for provision of comprehensive banking services

16. Tax resident questionnaire – legal entity 5 × Provided in case of one, several or all positive answers in the “Information on tax residence” section of the Questionnaire of a client-foreign structure without forming a legal entity

The Civil Code of the Russian Federation in paragraph 1 of Article 846 establishes that a bank account is opened for a client on the basis of a bank account agreement, the terms of which are agreed upon by the parties. Each bank develops for itself in accordance with current legislation and banking rules, a certain form of bank account agreement, according to which a bank account agreement is concluded with any client who requests to open an account for him in this bank.

In the Federal Law “On Banks and banking» it is determined which registration documents are required to be submitted when concluding a bank account agreement (Article 5). This is a certificate of state registration and a certificate of registration with the tax authority.

According to paragraph 1 of Article 847 of the Civil Code of the Russian Federation, the rights of persons carrying out orders on behalf of the client to transfer and issue funds from the account are certified by the client by submitting documents to the bank, provided by law and the banking rules established in accordance with it. So banking rule, currently used, is the Directive of the Central Bank of the Russian Federation dated June 21, 2003 No. 1297-U “On the procedure for issuing a card with sample signatures and seal imprints.” The instruction provides for the client to submit to the bank a card with sample signatures of persons authorized to manage the account, and a document confirming the persons declared on the card. To check the powers of authorized persons, it is necessary to study the client’s constituent documents, drawn up in accordance with the Civil Code of the Russian Federation and the federal laws “On joint stock companies”, “On limited liability companies”, “On state and municipal unitary enterprises”, etc. Consequently, the client is obliged to submit constituent documents to the bank.

Thus, in order to conclude a bank account agreement, a whole package of documents must be submitted. In order to simplify the collection by the client necessary documents each to their own local normative document approves the list of documents required to open an account and the procedure for their execution.

The article highlights the practical work of opening a current account for a client - a legal entity - in the Oryol branch of OJSC Rosselkhozbank.

When opening an account, for uniformity, it is strictly guided by the approved list of documents.

The work of opening a current account for a client begins with checking the completeness of the package of documents, that is, whether all documents according to the list approved by the bank have been submitted. The second stage is the correctness of the submitted documents.

To open an account, submit the following documents, which must be properly executed.

1. Application for accounts according to form 0401025, approved by the Instruction of the State Bank of the USSR dated October 30, 1986 No. 28 (valid to the extent that does not contradict the Directive of the Central Bank of the Russian Federation No. 1297-U) (see sample application).

The application is signed by the head and chief accountant of the organization or individual entrepreneur. In this case, the position of the manager is indicated: CEO, director, Executive Director, chairman, etc.

If the company does not have the position of chief accountant on staff, the application is signed only by the manager and a certificate is provided indicating that there is no employee on staff who may be given the right to second sign (see sample certificate).

The certificate is provided only by legal entities.

The application and certificate are certified by the seal of the organization, and the writing of the document must be affixed. The date in the application and certificate cannot be later than the date of conclusion of the bank account agreement.

The certificate is signed by the manager, indicating his position and a transcript of the signature.

An individual entrepreneur certifies documents with a seal, if available (an individual entrepreneur may not have a seal).

The client's application to open an account is endorsed official bank, which accepts documents from the client provided for opening a bank account and checks their composition and execution.

2. Bank account agreement in 2 copies according to the standard form approved by the head bank. Each page of the agreement is signed by officials of the client and the bank, who are included in the introductory part of the agreement. Also, each page of a copy of the agreement remaining in the bank is endorsed by the bank employee responsible for its preparation.

In the contract in mandatory All client details are indicated.

The seal used to certify the contract on the part of the client must be clear and consistent with the client’s constituent documents.

The signature of the person signing the contract on behalf of the client in the contract must match the signature that he declared in the card with sample signatures and seal impressions.

The date of drawing up the agreement, the date of writing the application for opening a bank account and the date of opening the current account must coincide, that is, the account is opened on the day the agreement is concluded.

Corrections to the date of preparation of documents are certified by the signature of authorized persons and sealed.

3. State registration documents:

A. Legal entities:

a) registered after 01.07.2002, represent copy of state registration certificate a legal entity, if there are changes or additions to the constituent documents, also provide a copy of the certificate of making an entry in the Unified State Register of Legal Entities on the registration of changes and additions to the constituent documents; b) registered before 07/01/2002, represent a copy of the certificate of entry into the Unified State Register of Legal Entities about a legal entity registered before 07/01/2002, if there are changes or additions to the constituent documents, they also provide a copy of the certificate of making an entry in the Unified State Register of Legal Entities on the registration of changes and additions to the constituent documents.

The above certificates are issued by tax authorities using approved forms.

Copies of certificates are certified by a notary or by the body that issued the document, indicating the position of the person certifying the copy, his signature, the transcript of the signature, as well as the seal of the body certifying the copy.

B. Individual entrepreneurs provide a copy of the certificate of state registration as an individual entrepreneur.

From January 1, 2005, entrepreneurs registered before 01/01/2004 represent a copy of the certificate of inclusion in the Unified State Register of Individual Entrepreneurs records of an individual entrepreneur registered before January 1, 2004.

The above certificates are issued to individual entrepreneurs by tax authorities using approved forms.

Copies of certificates are certified by a notary or the authority that issued the document, indicating the position of the person certifying the copy, his signature, the transcript of the signature, as well as the seal of the certifying authority.

4. A copy of the Charter, notarized (in this case, the notarized copy must be made from a copy certified by the registering authority) or the body that registered the Charter. If there are amendments and additions to the Charter, their copies certified by a notary are also submitted (in this case, the notarized copy must be made from a copy certified by the registering authority) or by the body that registered the additions or changes.

If an account is opened for a structural unit of a legal entity, then a copy of the Regulations on structural unit, notarized (in this case, the notarized copy must be made from a copy certified by the body that approved the Regulations) or the body that approved the Regulations.

Documents must be submitted numbered and in in full, that is, all sheets and applications to which references are made must be present.

These documents are presented only by legal entities of all organizational and legal forms and types of ownership (OJSC, CJSC, production cooperatives, agricultural production cooperatives, consumer cooperatives, unitary enterprises, institutions, foundations, public and religious organizations (associations)).

5. Legal entities having the organizational and legal form of a Limited Liability Company (LLC), in addition to a copy of the Charter, provide a copy constituent agreement, since in accordance with Article 89 of the Civil Code of the Russian Federation, the constituent documents of an LLC are the constituent agreement signed by its founders and the Charter approved by them. However, if a company is founded by one person, its constituent document is only the Charter, in which case only a copy of the Charter is submitted.

founders, and the Charter approved by them. However, if a company is founded by one person, its constituent document is only the Charter, in which case only a copy of the Charter is submitted.

Legal entities in the form of a general partnership or limited partnership (limited partnership) are created and operate on the basis of a constituent agreement (Articles 70 and 83 of the Civil Code of the Russian Federation).

The constituent agreement of a general partnership is signed by all its participants.

The founding agreement of a limited partnership is signed by all general partners.

The constituent documents of an association (union) are the constituent agreement signed by its members and the Charter approved by them (Article 122 of the Civil Code of the Russian Federation).

The charter of a cooperative (production or consumer), in addition to generally established information, must contain the following conditions: on the size of share contributions of members of the cooperative, on the composition and procedure for making share contributions by members of the cooperative and their liability for violation of obligations to make share contributions; on the nature and procedure for the labor participation of its members in the activities of the cooperative and their responsibility for violation of obligations regarding personal labor participation; on the procedure for distributing profits and losses of the cooperative; on the amount and conditions of subsidiary liability of its members for the debts of the cooperative; on the composition and competence of the cooperative’s management bodies and the procedure for making decisions, including on issues on which decisions are made unanimously or by a qualified majority of votes (Articles 108, 116 of the Civil Code of the Russian Federation).

The charter of the fund, in addition to generally established information, must contain: the name of the fund, including the word “fund”, information about the purpose of the fund; instructions on the fund's bodies, including the board of trustees that supervises the activities of the fund, on the procedure for appointing officials of the fund and their dismissal, on the location of the fund, on the fate of the fund's property in the event of its liquidation (Article 118 of the Civil Code of the Russian Federation).

Copies of the Charter and the constituent agreement are submitted with copies of existing amendments and additions.

Copies of these documents are certified by a notary or the body that registered the documents ( tax authorities, district administration).

6. Copy of the creation document(establishment) or reorganization (merger, separation, accession, division, transformation) of a legal entity.

Such a document may be: a) minutes of the general meeting of founders; b) decision of the sole founder; c) order, resolution or order of the body authorized to create (establish) a legal entity.

A copy of these documents is certified with a seal and signed by an authorized official of the organization that issued the document, indicating his position and a transcript of the signature.

These documents are submitted only by legal entities.

7. Documents confirming the authority of the manager: copy or extract from the minutes of the general meeting or meeting of the board of directors, or the founder’s decision to elect a manager (to determine which document should be presented, it is necessary to analyze the client’s constituent documents).

The head must be elected by a body authorized by the Charter.

The said copy (or extract) is certified by the chairman of the meeting (session) or the secretary of the meeting (session) and the seal of the organization.

8. Copy or extract from employment contract regarding the term of the contract and the powers of the manager. The document is certified by a seal and signature of an authorized official of the organization, indicating his position and a transcript of the signature.

9. Copies of orders on assuming the position of a manager and on the appointment of a chief accountant.

Copies are certified by the seal and signature of an authorized official of the organization, indicating his position and a transcript of the signature.

If there are no employees on staff who can be granted the right of a second signature, a certificate is submitted in the form specified above in paragraph 1, signed by the manager and certified by the organization’s seal.

In this case, in the order to assume the position of the manager, a reference is made to the assignment of responsibility for the organization and management of accounting to myself.

10. Card with sample signatures and seal impressions, certified by a notary or a bank according to form 0401026 (approved by Directive of the Bank of Russia No. 1297-U).

11. In the case of an application for sample signatures of other persons, except the manager and chief accountant, documents confirming the powers of these persons are submitted, namely:
- copy of the order on hiring and on the provision of the right of first or second signature, certified by a seal and signature of an authorized person of the organization indicating his position and a transcript of the signature, or
- power of attorney, executed in accordance with the requirements of Articles 185, 186, 187 of the Civil Code of the Russian Federation (a power of attorney on behalf of a legal entity is issued signed by its head or another person authorized to do so by its constituent documents, with the seal of this legal entity attached; the term of the power of attorney cannot exceed three years ; a power of attorney that does not indicate the date of its execution is void. The person to whom the power of attorney is issued must personally perform those actions for which he is authorized. He may entrust their performance to another person if this is stipulated in the power of attorney), or a copy of the power of attorney, notarized certified.

12. Photocopies of passports persons declared in the sample signature card - 2, 3 pages and a page indicating the place of registration at the time of opening the account (old-style passports should not be accepted).

13. A notarized copy of the certificate of registration with the tax authority.

14. Copy newsletter about accounting in the Unified state register enterprises and organizations of the Federal State Statistics Service, certified by a seal and an authorized official of the organization, indicating his position and a transcript of the signature, or a copy, which is verified by a bank employee with the original, about which a note is made: “Cerified with the original,” a signature is placed (decoding signatures) and date.

Note

Peasant (farm) farms (hereinafter - K(F)H), formed before 01/01/95 (before the entry into force of part one of the Civil Code of the Russian Federation), are legal entities until the re-registration of its legal status at the request of the head of the K(F)H.

K(F)X has the right to retain the status of a legal entity until 01/01/2010.

K(F)Hs that were registered after 01/01/95 (after the first part of the Civil Code of the Russian Federation came into force) operate without forming a legal entity; the head of such a farm is an individual entrepreneur (Article 23 of the Civil Code of the Russian Federation).

Federal Law No. 74-FZ of July 11, 2003 “On Peasant (Farm) Farming” does not provide for the need to provide K(F)H with documents for the right to use land plot. Previously, the need to provide K(F)H with the specified documents was determined by the requirements of Article 9 of the Law of November 22, 1990 No. 348-1 “On Peasant (Farm) Farming”.

Upon presentation of all the above documents and their execution in the prescribed manner, a bank account agreement is concluded with the client in the form approved by the bank and an account is opened.

Credit organizations have the right to refuse to enter into a bank account (deposit) agreement with a legal entity in cases specified by law.

Article 5 Federal Law“On combating the legalization (laundering) of proceeds from crime” establishes a special ban for credit institutions opening accounts (deposits) for anonymous owners, that is, without the individual or legal entity opening the account (deposit) presenting the documents necessary for its identification. In addition, the Law provides credit institutions the right to refuse to conclude a bank account (deposit) agreement with an individual or legal entity in the event that the relevant person fails to provide documents necessary for his identification or submits false documents, as well as if in relation to of this person there is information about participation in terrorist activities obtained in accordance with the law.