It's no secret that the market banking services for business it is quite saturated. When an organization is faced with a multitude of offers, usually when choosing a bank, a specific need plays a key role. Some listen to the positive recommendations of friends or mentors in their own industry, others carefully monitor the market and choose the most cost-effective solution for themselves.
Choosing reliability
According to statistics, if a potential client does not conduct an analysis, he will 80% choose the most popular bank in our country - Sberbank. The fact of state participation in Sberbank allows its clients to feel calm; after all, not all banks can boast of such reliability, especially since the general awareness and concern of the population is now at a high level.
What is included in the banking service package?
A convenient form of service is the so-called service package, which includes various banking products:
- Opening and maintaining cash settlement services
- Using Internet banking (Sberbank Business Online)
- Service corporate card
- Making electronic payments
- Cash acceptance
- Providing account reports
- Electronic duplicate of the statement
Which offer is better?
Sberbank on this moment offers several package offers:
- "Minimal+"
- "Basis+"
- "Active+"
- "Optima+"
- "Salary"
- "Trading Plus"
- "Easy start"
"Minimal +"
It’s not for nothing that this package of services has such a name and includes maintaining 1 current account, making 5 electronic payments per month, accepting cash up to 30,000 rubles. This package will be of interest to those who, due to some circumstances, are forced to open a current account. For example, some important counterparty pays only by bank transfer, or a businessman’s clients began to often ask for payment by card, and as a result he decided to establish acquiring.
"Basis+"
In contrast to the “Minimum” package, the amount of cash accepted is 100,000 rubles, and the number of payments is 20. This complex is suitable for those for whom it is important to be able to deposit cash and not overpay the bank for it.
"Active+" and "Trading Plus"
These packages differ from “Basis” only in the number of payments per month, in “Active+” - 50, in “ Trading plus» – 10. The client estimates the approximate number of payments for himself and chooses a tariff.
"Optima+"
Optima does not have a cash acceptance service, but the number of electronic payments is 100 per month. Accordingly, if an entrepreneur does not need to deposit cash, and the number of payments varies, then this is an ideal choice.
"Easy start"
This tariff plan includes a number of free products: opening an account, using Sberbank Business Online, electronic payments to accounts opened with Sberbank, the first year of servicing a corporate card. This complex should be carefully considered by those who are just taking their first steps in business and cannot predict their needs for the first time.
"Salary"
This offer differs from other package complexes in that it does not provide for cash acceptance, but instead of this service it is possible to withdraw cash without a commission in the amount of up to 200,000 rubles per month, the number of electronic payments is 30. “Salary” is suitable for businesses whose mutual settlements are mainly carried out by bank transfer.
How to apply for a package offer from Sberbank?
First of all, you need to find the nearest branch to you on the bank’s website. Next, you should make an appointment by phone for a specific time. At the selected time, you must visit the selected branch with the originals of all constituent documents. The registration time will take about a couple of hours.
More and more simplified terms of service are being developed for business representatives every day. Tariff Basis Sberbank Business Online (for legal entities) provides the opportunity for the highest quality payment and acceptance of payments, as well as cash management services.
Regardless of the direction of activity, any legal entities (individual entrepreneurs, LLCs, etc.) must constantly make non-cash transfers Money and calculations using cash register equipment. For these purposes, it is proposed to open an account with Sberbank and decide on the most suitable tariff plan. Currently they are available in several versions: Asset, Optima and Basis. The procedure for opening an account can be carried out using remote Business Online resources or at a bank branch. For these purposes, you can visit any branch in the region. It is necessary to obtain information in advance whether this service is available in a particular department.
Documents required to open an account:
- registered entrepreneur certificate;
- passport;
- signature samples;
- document from the Federal Tax Service confirming registration.
In addition, the bank must fill out a special client form and questionnaire. To simplify the procedure, forms are available for download on the website. 
To open an account for the Basis tariff of Sberbank Business Online (for legal entities), you must first reserve it. Access to this plan is provided as a result of approval of the application by Sberbank.
Procedure for reserving a tariff:
- in a special menu for small businesses, log in to your online account;
- at the end of the section, click on “Online account number”;
- in the window that opens, select “Get account number”;
- study the terms and conditions of this service;
- confirm your acceptance of the terms and conditions by clicking on the “Reserve” button;
- fill in the required information: OGRNIP code, type of entrepreneur, volume of turnover for the annual period, bank branch where the service will be provided, contact information;
- Confirm your actions by entering a special code.
To complete the procedure, you must submit documents to the specified bank branch.
Tariff Basis
This tariff plan falls into the category of simplified types of current bank account. 
Terms of service for the Basis tariff in Sberbank Business from 09/01/2015:
- access to information about completed transactions;
- withdrawal of money in the form of cash - no more than 140 thousand rubles;
- settlement and cash services using the Sberbank Online system;
- receipt of funds – no more than 80 thousand rubles. per month;
- familiarization with documentary extracts;
- transfer of finances to suppliers, partners, various companies conducting electronic circulation of documentation - no more than 10 transactions per month.
For the use of the listed services, a fee of RUB 3,700 will be charged every month. Also, it becomes possible to use a checkbook with a 50% discount. If more operations are used than established by the conditions, additional payment must be made at existing rates.
Tariffs Active and Optima
Other programs provide for a much larger limit than that offered by the Basis Sberbank Business Online tariff for legal entities. 
Active program features:
- receiving money - within 300 thousand rubles;
- transfer of finances - no more than 20 transactions;
- cash withdrawal - about 100 thousand rubles.
Under the Optima program in Sberbank Online, limits are set at 30 transactions; receiving money - no more than 150 thousand rubles, withdrawing cash - about 250 thousand rubles.
It should be taken into account that for servicing the Active tariff a monthly fee of 3,600 rubles will be charged, and Optima will cost 5,500 rubles. In other respects, the conditions of these tariff plans are identical.
Details on tariffs (service packages) for legal entities
All details on service packages for Sberbank Business Online are available at
Sberbank constantly develops package offers for business owners, knowing their effectiveness and high demand. The financial institution adds many online services, individual options, advanced services and products to complex products, each of which has its own advantages.
As a result, this allows an entrepreneur or legal entity to conduct their business with greater comfort, fewer risks and tangible progress.
Today we would like to talk about the Optima service package and tell you what it is, what its advantages are and how the registration process takes place.
Conditions of the Optima service package of Sberbank
The Optima service package currently includes the most popular cash settlement services. Moreover, they are provided for a fixed price.
Together, they significantly reduce banking costs.
“Optima” is one of Sberbank’s most powerful comprehensive offers. And its content is as follows:
— Maintaining one account in rubles;
— Monthly use of the remote banking system for business “Sberbank Business Online” without a separate fee;
— Carrying out up to 30 electronic payments within 1 month;
— Possibility to accept up to 150,000 rubles in cash;
— Possibility to issue up to 250,000 rubles in cash;
— Duplicates of statements and certificates containing basic information about transactions on the current account are issued without any limits;
— Checkbook issued with a 50% discount.
When choosing banking services, entrepreneurs try to be guided by reliability financial organization, ease of obtaining the necessary services and reasonable cost of the options used. Sberbank offers favorable rates for individual entrepreneurs, taking into account the basic needs of business owners. These can be kits with a fixed cost for the operations specified in the contract, as well as individual offers, which can only be obtained through a personal conversation at the bank.
Offer characteristics
Today, Sberbank is ready to offer 7 packages designed specifically for individual entrepreneurs:
- « Minimum"—represents the required minimum for work. The monthly fee includes account maintenance, transfer of funds for clients with a limit of up to 5 accounts per month, cash acceptance different ways up to 50 thousand rubles in the same period. The package also includes the use of the Sberbank Business Online or Sberbank Business Internet systems. The cost is 1800 rubles for 30 days, but you can choose longer periods for making payments: 5130 for 3 months and 9720 for 6.
- « Basis“- in this option, the limits on transfers are increased to 10 and cash deposits to 80 thousand, and the issuance of up to 140 thousand rubles is also added. The monthly write-off will be 3200 per month or 9120 for 3 and 17280 for 6.
- « Assets“—opportunities for working with funds will open up for entrepreneurs. The indicators will increase to 20 for transfers, and for amounts up to 300 and 100 thousand rubles. Accordingly, the fee will increase to 3300 per month, 9405 for 3 and 17820 for 6.
- « Optima"- in this option the ratio is as follows: 20/150 thousand/250 thousand. Most clients agree that this is one of the best tariff plans for small businesses. The monthly write-off will be 4,200 rubles, as well as 11,970 per quarter and 26,800 per half-year.
- « Salary» is a specialized package created for conducting settlements with employees. Maximum amount monthly disbursement of funds - 200 thousand. Monthly payment for use - 4200.
- « Trading Plus"- the package is designed to accept funds from clients up to 100 thousand rubles per month and up to 10 transfers from the account. Special attention is given settlement and cash services, online systems and connection of payment terminals. The cost will be 3400 for a 30-day period of use.
- « My team" - a package for reducing costs when independently managing Sberbank systems Online Business" and "Sberbank Business" with large cash flows. The fee varies depending on the volume. So, for a turnover of up to 1 million rubles per month, 24,000 are charged, and for a turnover from 24 to 30 million - 84,000 rubles. This price includes Additional services accountant, lawyer, assistance and consulting.
It is worth taking into account the fact that the limits indicated in the packages are only part of the subscription fee. If they are exceeded, they will be charged additional fee with basic bank branch rates.
Thus, there will be no restrictions on amounts. Customers should not be afraid of this.
Connection
Open an account and you can start using it both during a personal visit to a bank branch and when making an online reservation. However, in the second case, you will still have to visit the bank for a while to conclude an agreement and sign necessary documents, but this will significantly reduce your stay time. Connection necessary packages services can be carried out both at the time of preparation of the necessary documents, and when using Internet services. Moreover, subsequent shifts can be made in the same order.
The reserve and consultation can be ordered directly on the bank’s website in the section with package offers of interest for settlement and cash services for legal entities.
Feedback from entrepreneurs
According to the overwhelming majority of representatives of small and medium-sized businesses, it is quite difficult to do without comprehensive proposals. Several tariffs can completely cover all needs, without requiring additional investments.
“We have been using for a long time similar services and we didn’t regret a single day. All accounts are on the surface, and it’s also quite easy to control the movement of funds in software products through the Internet".
Alexey, 32 years old, Moscow
“An excellent option for startups and small companies just entering the market. Control of the budget and turnover of funds at the start is very important, and here Sberbank comes to the rescue with its products. I don’t regret that I chose a comprehensive offer and was able to track turnover on my own.”
Vasilisa, 37 years old, Novosibirsk