Since 2006, we have been providing our Clients with Domestic Cash Pooling services - a fully automated mechanism for consolidating group funds on a single Master account with the ability to automatically reinforce participants’ accounts for making payments.

In addition, UniCredit Bank provides International Cash Pooling services - unique to Russian market decision on organizing a pool with the participation of a non-resident company.

Liquidity management

UniCredit Bank is one of the leaders in developing and providing unique liquidity management solutions. We are pleased to provide our Clients with a range of services, developed individually for each Client and aimed at helping companies use their own funds more efficiently.

UniCredit Bank offers modern solutions for managing corporate liquidity. One of these solutions is physical pooling, which allows you to combine all the company’s funds and accounts into a single master account and connect new accounts to it.

How it works?

You have a master account, which belongs to, for example, the company's head office. Other accounts belonging to e.g. regional offices companies connected to this account (collected into a single pool). During trading day With a certain frequency, an automatic transfer of positive balances from the accounts of pool participants to the master account occurs. At the same time, you can individually agree with the bank on the frequency of such transfers. Funds are consolidated - account management is optimized.

UniCredit Bank has developed three options for pool participants to work with accounts:

• standard: during the day, the pool participant manages funds as usual, no reinforcements are received from the master account;
• reinforcement of funds from the master account: if a pool participant’s account does not have enough funds for payment, the account is supported from funds from the master account;
• Full use of funds in the master account: if a pool member makes a payment, only funds in the master account are used.

Cash pooling can be carried out through the complete consolidation of all funds from the participating accounts (Zero Balancing); you can also set a certain threshold, above which automatic transfers to the master account will be carried out (Target Balancing), so that part of the funds remains on the participating accounts.

What does physical pooling give?

• funds are collected on a single master account, and cash flow is managed more efficiently;
• control over working capital is improved;
• the financial potential of the entire group is used, and financial costs within the group fall;
• unified coordination cash flows simplifies planning and control financial activities groups;
• all payments are executed automatically by the bank on behalf of the company in accordance with the terms of the agreement; no need to provide original payment documents;
• an overdraft limit can be set on the master account and the accounts of pool participants, in which case the support of one account with funds from another account can also occur from the overdraft limit;
• you can combine resident and non-resident accounts to make resident-resident, resident-non-resident, non-resident-non-resident transfers;

How to connect to this service?

Contact your bank branch to enter into an additional agreement on the use of physical pooling services on your accounts. If the accounts you want to include in a single pool belong to different legal entities, you will also need a loan agreement or other reimbursable agreement concluded between these legal entities.

With UniCredit Bank you can always count on finding individual solutions. We will take into account the specifics of the company’s activities and offer a physical pooling scheme that fully meets your needs.

UniCredit offers a product unique to the Russian market - International Cash Pooling, or pooling between residents and non-residents.

As you know, all transactions between residents and non-residents in Russia are subject to currency control. One of the key advantages of the International Cash Pooling service offered by UniCredit is that the Bank, within the pool, prepares certificates for the Client about foreign exchange transactions that must be provided for transactions with non-residents. This significantly reduces the administrative burden on the relevant divisions of the Client, which were previously involved in the preparation of such documents.

A non-resident company must open an account with UniCredit Bank, which it can use as a master account to concentrate funds from participating accounts (and to automatically provide financing to participating accounts for payments). A non-resident company can freely transfer funds from this account to an account abroad through a regular electronic transfer (through the Client Bank) - all Required documents exchange control within the framework of international pool operations will already be prepared by UniCredit Bank.

IN Russian legislation There is no explicit definition of the concept of “cache pooling”. However, our liquidity management products are fully compliant with current laws and regulations. We received a legal opinion from an independent international consulting company, which once again confirms this.

To save time and labor costs for companies, UniCredit Bank offers the opportunity to carry out standing orders, allowing them to be carried out on an ongoing basis according to pre-agreed parameters. In this case, you can transfer either a constant amount specified in the agreement, or an amount in excess of a certain balance on the account, or in the amount necessary for the balance of funds on the Deposit Account to equal a certain value.

Next, we will give recommendations on servicing the ATM network, geographically distributed across the region where the bank operates. In this case, it is more economically feasible not to use a centralized system of collection and ATM servicing, but to delegate some of the functions to local bank divisions. If the ATM network is not large enough, allocate for their maintenance separate divisions in additional offices it is not advisable, and a combined approach has to be used. ATMs can be located in premises and buildings owned or leased by the bank, as well as in premises third party organizations on the basis of an agreement between the bank and the organization. ATMs installed by the bank are used to issue cash in rubles and foreign currency by bank cards. ATM servicing is regulated by the Regulations on the procedure for maintaining cash transactions and rules for storage, transportation and collection of banknotes and coins of the Bank of Russia in credit institutions in the territory Russian Federation and Regulation of the Bank of Russia No. 266-P dated December 24, 2004. "About emissions bank cards and about transactions performed using payment cards.”
Let us offer an example of a possible order of interaction between bank divisions. This procedure may be different depending on the type of service of the ATM, which in turn depends on the location of the ATM and the procedure for its collection.
There are several types of ATM services.
1. Installed outside the premises of bank institutions, the daily maintenance of which, as well as the preparation of cash and collection, is carried out entirely by the divisions of the head office.
2. Installed on the premises of bank institutions, the daily maintenance of which, as well as the preparation of cash and collection, is carried out entirely by the divisions of the head office.
3. Installed outside the premises of bank institutions, the daily maintenance of which is performed by employees of the institution to which the ATM is attached. At the same time, cash preparation and ATM collection are carried out entirely by departments of the head office.
4. Installed outside the premises of bank institutions, the daily maintenance of which, as well as the preparation of cash, is performed by employees of the institution to which the ATM is attached. In this case, the collection of the ATM is carried out by the collectors of the head office.
5. Installed on the premises of bank institutions, the daily maintenance of which, as well as the preparation of cash and collection, is performed by employees of the institution.
The decision to install an ATM is made by the bank if it is economically or otherwise justified. An ATM installation agreement and, if necessary, security agreements are prepared. The order, delivery, setup and connection of the ATM are carried out.
The keys from the top and bottom of the ATM are transferred to the head office cash desk, where they are deposited. One copy of the keys is transferred to the appropriate department on the basis of the act; duplicate keys are stored in the cash desk of the head office. When fully operational, the ATM is put into operation by order from the bank.
The responsible employee of the institution changes the lock code of the ATM safe, and the first collection of the ATM is carried out.
Cash servicing of the ATM is carried out in accordance with the Regulations on the procedure for conducting cash transactions and the rules for storage, transportation and collection of banknotes and coins of the Bank of Russia in credit institutions on the territory of the Russian Federation. A written order by the bank appoints a list of persons responsible for loading and withdrawing cash from an ATM.
For different types of ATM services, different algorithms for collection and interaction between departments are used.
Types of service A, B and D. If it is necessary to carry out collection, the responsible employee prepares an application for collection of the ATM. The application is drawn up indicating the banknote breakdown for each cassette. Cash, necessary to provide cash to the ATM, are issued to the head office cashier based on the application.
Loading of cassettes is carried out in the cash register room. When preparing cassettes for ATM collection, it is strictly forbidden to add funds to the cassettes without recalculating the remaining bills in them.
Based on the application, a cash order is issued for the amount of cash loaded by the head office cashier into the ATM cassettes. The collector receives the prepared cassettes with cash, checks them against the inscriptions on the labels, checks the integrity of the seals and signs for expense orders. The application, cash order and ATM loading sheet are filed in the cash documents of the day.
Loading of cassettes into an ATM and their withdrawal are carried out in the presence of a security guard and a cash collector by a responsible employee, who is entrusted with the functions of a supervisory employee. The responsible employee issues a printout from the ATM with information about the balances in the cassettes in duplicate and removes the cassettes from the ATM. After unloading and delivering the cassettes to the head office cash desk, based on the unloading sheet, the head office cashier issues a cash receipt order. After this, the cash register manager receives from the cashier the cash withdrawn from the ATM cassettes and checks it with the amount indicated in the receipt cash order, and signs it. The cash withdrawn from the cassettes is handed over to the cash desk of the head office in general procedure depositing the cash balance into the bank's cash vault.
When collecting an ATM, be sure to check the card reader tray for forgotten cards. When cards are removed from the card reader tray, a report is drawn up in two copies; one copy, along with the card, is transferred to the card division of the bank.
Type of service D. If it is necessary to carry out collection, the responsible employee draws up an application for collection of the ATM, which is sent to the responsible employee of the institution. The application is drawn up indicating the banknote breakdown for each cassette. The funds necessary to provide cash to the ATM are issued to the institution's cashier based on the application.
Loading of cassettes is carried out in the cash desk of the institution. When preparing cassettes for ATM collection, it is strictly forbidden to add funds into them without recalculating the remaining bills in them. Based on the application, the cashier of the institution issues a cash order for the amount of cash loaded into the ATM cassettes. The collector receives prepared cassettes with cash from the cashier of the institution, checks them against the inscriptions on the labels, checks the integrity of the seals and signs the receipts. The application, cash order and ATM loading sheet are filed in the cash documents of the day.
The loading and removal of cassettes is carried out by the cashier, who is entrusted with the functions of a supervisory employee, in the presence of a security guard and a collector, in accordance with the instructions. The cashier prints out a printout from the ATM with information about the balances in the cassettes in duplicate and removes the cassettes from the ATM.
When collecting an ATM, be sure to check the card reader tray for forgotten cards. When cards are removed from the card reader tray, a report is drawn up in two copies. One of them, along with the card, is transferred to the card division of the bank.
Type of service E. If it is necessary to carry out collection, the responsible employee draws up an application for collection of the ATM, which is sent to the responsible employee of the institution. The application is drawn up indicating the banknote breakdown for each cassette. The funds necessary to provide cash to the ATM are issued to the institution's cashier based on the application.
Loading of cassettes is carried out in the cash desk of the institution. When preparing cassettes for ATM collection, it is strictly forbidden to add funds to the cassettes without recalculating the remaining bills in them. Based on the application, the cashier of the institution issues a cash order for the amount of cash loaded into the ATM cassettes. Loading and removal of cassettes is carried out by two cashiers (one of whom is assigned the functions of a supervisory employee by the administrative document of the credit institution) in the presence of a security guard and in accordance with instructions. The cashier prints out a printout from the ATM with information about the balances in the cassettes in duplicate and removes the cassettes from the ATM.
After unloading and delivering the cassettes to the head office cash desk, based on the unloading sheet, the cashier issues a cash receipt order. After this, the cash register manager receives from the cashier the cash withdrawn from the ATM cassettes, checks it with the amount indicated in the cash receipt order, and signs it.
When collecting an ATM, be sure to check the card reader tray for forgotten cards. When cards are removed from the card reader tray, a report is drawn up in two copies, one of which, together with the card, is transferred to the card division of the bank.
ATM maintenance is usually controlled by the bank's IT department. If it is necessary to fully or partially restore the functionality of ATMs, employees of the service company may be involved in the work.
Technical monitoring, minor renovation work. Based on information coming from the ATM monitoring department and from bank institutions, the IT department monitors the performance of ATMs and the state of communication between ATMs and the processing center.
If information is received about an ATM malfunction, possible remote measures are taken to eliminate it. If troubleshooting requires work at the location where the ATM is installed, an employee of the bank’s IT department will report this fact by telephone to the responsible employee of the ATM monitoring department, who, in turn, will inform the bank institution to which the ATM is assigned.
If the causes of the failure can be eliminated without the involvement of service company specialists, then the cashier of the institution eliminates them independently (for example, reboots the ATM computer, changes the receipt printer ribbon). If more qualified intervention is necessary to eliminate the cause of the failure, then representatives of the service company are called.
Carrying out unscheduled repair or maintenance work by service company employees. The responsible bank employee calls service company specialists to the ATM to troubleshoot problems and notifies the cashier of their arrival time.
Carrying out repair or maintenance work related to opening the ATM safe, its partial or complete dismantling, mechanical or thermal effects on the safe body, or complete replacement of the ATM, is carried out only after the operation of unloading cash from the ATM.
After repair or maintenance work is carried out, a report is drawn up indicating:
- ATM address;
- description of the malfunctions that occurred;
-list of work performed;
- information about the date and time of work.
The act is signed by representatives of the service company and a bank employee.
Carrying out planned preventive maintenance. In the case of scheduled maintenance work carried out by service company specialists, the responsible bank employee agrees on the date and time of their implementation with the cashier of the institution. The cashier will organize the unloading of cash from the ATM by the agreed date and time.
Emergency situations are described below.
1. Analysis of facts of discrepancy between cash balances and control documents. The fact of a discrepancy between the amount on ATM collection checks and the actual balance in the cassettes and reekt-cassette is documented in a statement of discrepancy, the form of which is given below.

A commission formed from bank employees examines the reasons for the discrepancy and draws up a conclusion indicating the facts, reasons and methods for reimbursing (or writing off) funds.
If a shortage is detected in the unloaded ATM cassettes, then the cashier who loaded cash into the ATM cassettes bears full financial responsibility for the shortage.
If a shortage is detected in the rejection cassette, and total amount cash unloaded from the ATM safe coincides with the data on the ATM checklist, then this discrepancy is considered an error software.
If a shortage is detected in the discard cassette, the integrity of the seals on the cassette has not been broken and the total amount of cash unloaded from the ATM safe does not coincide with the data on the ATM unloading sheet (there is a shortage), then the cashier bears full financial responsibility for the shortage.
If, when recalculating the cash unloaded from the ATM safe, a surplus is detected, then the control sheet is checked from the moment of loading to unloading. If, after recording any transaction, a record is discovered that the client has not received (partially received) money, then an entry is made about this in the “Notes” section of the non-compliance report; a copy of a fragment of the control sheet is attached to this report. The excess amount is reflected on the basis of a non-compliance report in account 70601 “Excess cash found at an ATM.”
Broken seals on cassettes or damage to cash cassettes. If a violation of the seals or damage to the cash cassettes themselves is detected, the cashier draws up a report in any form, registering the detected damage. The act is signed by the cashier (collector) and the security guard. Next, the cash in the cassettes is counted.
When a collector delivers damaged cassettes or seals on cassettes to the cash desk, an act is drawn up in triplicate, which is signed by a commission consisting of at least three people appointed by order of the bank. These employees are present when receiving and counting cash cassettes. The act indicates the date of receipt and opening of the cassettes, the location of the ATM, by whom, in what premises and in whose presence the count was made, what damage was discovered, the amount of money invested according to the control sheets and the amount actually found in each cassette. The act serves as the basis for crediting cash to the cash desk.
The first copy of the act remains in cash documents. The second is transferred to the security service to investigate the circumstances of the damage to the cassettes. The third copy of the act is transferred to the card department.
If traces of an ATM have been hacked or there is a suspicion of unauthorized withdrawal of funds, the sector manager (cashier) is obliged to immediately notify the security service of the incident. Collection of an ATM with damage to the safe is carried out in the presence of a commission of at least three people.
Customer service. Customer claims are considered on the basis of an application within the period established by the bank.
1. The operation was carried out by an ATM, no money was issued. If the fact of dispensing funds from ATM cassettes is confirmed by the data on the control sheet from the processing center, the holder is given a written justified refusal.
If the fact of a transaction on the card and non-disbursement of funds from the ATM to the card holder is confirmed, then a conclusion is drawn up on the need to return the funds to the holder.
If it is determined that no funds were debited from the holder’s card account or an automatic refund was made, then the claim is considered unfounded and is rejected.
2. The card holder did not receive a refusal when requesting money, no money was dispensed from the ATM, and the amount was debited from the client’s account. The basis for the return of funds is the discrepancy between the applicant's card account statement, the control sheet from the processing center and the electronic journal of the ATM for the specified date and time. This confirms that funds were not issued to the client. The funds are returned to the holder's card.
3. The holder did not manage to receive the money offered by the ATM or took part of the amount offered. The basis for a refund is the coincidence of the data specified in the application with the data in the act of non-compliance when unloading the ATM and the data in the control sheet. If the data specified in the application does not coincide with the data in the non-compliance report or a fragment of the control sheet, then a refund can be made in the amounts specified in the report (provided that this amount is less than the amount specified in the fragment of the ATM system log tape or equal to to her). The funds are returned to the holder's card.
Management of keys and access codes. Keys and access codes are stored depending on the location of the ATM.
The keys to the upper and lower parts of ATMs for service type E are stored in the bank office in a safe along with the service card. In this case, the key to the bottom of the ATM is stored in a sealed bag with the seal of the cashier, who performs the functions of a supervisory employee.
Keys to the top of ATMs for service types B, D, D are kept in a safe by the bank teller. Keys to the bottom of ATMs are stored at the bank's head office cash desk in a safe along with the service card. The keys to the bottom of the ATMs and the service card are issued to the collector during collection.
The keys to the top and bottom of ATMs for service type A are kept by the teller at the bank's head office in a safe along with the service card. The keys and service card are issued to the collector upon collection.
Duplicates of ATM keys are subject to storage in a cash vault in accordance with the requirements of the Regulations on the procedure for conducting cash transactions and the rules for storage, transportation and collection of banknotes and coins of the Bank of Russia in credit institutions on the territory of the Russian Federation.
The ATM safe lock code for service types B, D, D, E is set by the cashier, for service type A - by an employee of the cash department of the head office. The code is installed in such a way that it is known only to the employee who installed it. In written form, in an envelope sealed with a personal seal, it is stored in the institution’s safe (for service types B, D, D, E), for service type A - in the cash register safe of the head office.
The service card and ATM keys are handed over to the cashier against a receipt in the log book and the transfer of seals, clichés, stamps, keys and seals.
A copy of the code is transferred to another cashier against a receipt in the journal for recording and transferring seals, cliches, stamps, keys and seals.
The envelope with the ATM safe code can be opened by the commission only in the event of an unexpected absence of the cashier. After opening the ATM safe by another cashier, the lock code is replaced with new code.
In the event of dismissal of a cashier, collector or head of a cash department who has access to the ATM safe codes, it is necessary to change the codes to open the ATM safe before dismissal.

Page 1

Operations for accepting and issuing cash can also be carried out using bank identification cards and ATMs. In the first case, cash transactions are carried out in the order described above, only instead of profitable or random paper documents, plastic identification cards are used.

In the second case (when using ATMs), significant changes are made to the organization and technology of cash services.

An ATM is a device for automated customer self-service. ATMs are included in the bank automation system and are used for the following purposes:

Reducing the current costs of banks for conducting cash transactions;

Spectrum extensions banking services for clients;

Expansion of the bank's share in the retail services market.

Achieving these goals justifies the significant initial costs of purchasing ATMs and installing them, which is why they are widely used in developed countries. ATMs are actively being introduced into banking practice in Ukraine.

Modern ATMs can perform the following operations:

Inform clients about the status of their accounts; issue cash from accounts;

Accept cash for placement in customer accounts;

Accept cash to repay loans;

Accept instructions to transfer money from one client account to another, etc.

The provision of these services by ATMs is carried out using plastic identification cards and PIN codes of clients. After each operation, the ATM issues the client a receipt with its full characteristics (amount, time, serial number, type of operation, bank name, etc.).

The procedure for providing cash services through ATMs is quite simple. Having concluded an agreement with the client, the bank issues him a plastic card and PIN code for a small fee, informs the network of ATMs that he can use about their operating hours. It is important for the client that ATMs operate around the clock and are located not only on the premises of the bank or its branches, but also in many other places. Therefore, banks tend to place their ATMs in places such as large shopping malls, service centers, train stations, entertainment centers and the like.

To receive cash services, the client using plastic card enters the ATM’s “memory” through the reader and enters your PIN code there using the numeric keypad. Having verified the identity of the information received from two channels, the ATM gives permission to the client to carry out any of the operations displayed on a special display. Using the keyboard, the client gives the ATM a command to perform the selected operation, indicates its amount and which account (current or savings) to carry out. Having received and processed this information, the ATM, through a special device (window), accepts or issues banknotes, and also issues a receipt to the client.

The use of ATMs in teller services is associated with increased risk, especially if they are located outside the bank premises. Therefore, ATMs are configured to enhance the security of transactions. If the client cannot “enter” the ATM within a certain number of attempts (for example, two) or “communicates” with him for longer than a set time (for example, 2.5 minutes), the ATM confiscates the plastic card.

For the successful development of this non-traditional type of banking services for Ukraine, it is important that banks accurately and timely provide ATMs with cash and maintain them in working order. “Silent” teller machines can not only compromise a progressive idea, but also lead to their breakdown by angry customers, which will cost the bank dearly. Therefore, banks that decide to introduce ATMs must develop an effective system of functional and service maintenance. The procedure for providing ATMs with cash is determined by Instruction No. 1 on the organization of cash issuance work in bank institutions, approved by the NBU Board.

Helpful information:

Determining the client's creditworthiness class
The client's creditworthiness class is determined on the basis of basic and additional indicators. The main indicators chosen by the bank must remain unchanged for a relatively long time. In the document about credit policy bank or other documents...

Fee for using a loan
Magnitude interest rate for urgent loan debt and interest is established by the Bank's Credit Committee, in accordance with the Bank's tariff policy. In the event of a change in the interest rate on centralized credit resources...

Capital adequacy
Another issue that is very significant for the bank’s activities and which is also of great interest to regulators is the issue of capital adequacy. Capital adequacy and its structure largely determine the ability of a bank...