Unicredit for individual entrepreneurs Open an account with Unicredit Bank. UniCredit Bank current account: service packages

Unicredit Bank Slovakia is part of the largest UniCredit group in Europe with its head office in Italy. The network covers more than 20 countries, offering optimal conditions for corporate and private clients. UniCredit Bank in Slovakia serves offshore and resident companies, multinational corporations with an annual turnover of more than 1 million euros per year, providing a comfortable system of mutual settlements and a large list of innovative banking products.

Advanced electronic and internet banking
- Work with non-resident companies
- Reliable bank

Cost of opening an account:

Individuals - from 900 euros

Legal entities - from 1900 euros

Documents for opening an account

To open an account with UniCredit (Slovakia), you must personally visit any of its branches.

To open an account with Unicredit Bank Slovakia, legal entities must provide the following documents:

originals of the company's statutory documents (for non-residents - on English language);

Certificate of Incumbency with apostille;

personal documents (civil and foreign passports);

documents confirming place of residence (receipts for utility bills for the last 3 months);

autobiography;

sample signature (certified by a notary, legalized).

All documents except the first two are provided for the account manager, company beneficiary and attorney (plus power of attorney).

To open an account with Unicredit Bank Slovakia, individuals must provide the following documents:

personal documents (civil and foreign passport);

document confirming registration (receipt for payment of utility bills for 3 months);

income certificate;

an extract from any bank in which an account was opened at the place of registration;

The processing time for applications from potential bank clients ranges from 5 to 15 working days. The bank adheres to the “know your client” formula, so at any time they can demand additional documents Without explaning the reason.

Account management and additional features

For clients who manage an account from another country, special services are provided: “Electronic Banking - European Gate”, BusinessNet, Online Banking, E-mail Banking. Only in the first case, activation of the service is paid (in all others it is free), and monthly use costs 0.27-22.2 euros.

Types of plastic cards and annual services at Unicredit Bank Slovakia

Visa, MasterCard, Maestro.

Cost of withdrawing cash from an ATM

When withdrawing money from an ATM outside of Slovakia, a commission of 2% (but not less than 6.64 euros) is charged.

Name	JSC UniCredit Bank
In English	AO UniCredit Bank
Public address	119034, Moscow, Prechistenskaya embankment, 9
TIN Unicredit Bank	7710030411
checkpoint	770401001
OGRN	1027739082106
BIC Unicredit Bank	044525545
C/s in the Main Directorate of the Central Bank of the Russian Federation	30101810300000000545
SWIFT	IMBKRUMM
Dealing Code	IMBX
Monitor Page	IMBM
Telex	412284 IMBA RU

Absolutely any person in their life has to use details, not only UniCredit Bank details. What is meant by this term?

Details refer to special information about a bank account that is intended to make payments. Even people who have never made transfers and do not have bank accounts indicate them when paying utilities or state fees. Such operations are always carried out automatically; people are usually given forms with ready-made details.

This is data such as:

indication of the name of the recipient in the form of first name, last name or company name (for example, Unicredit Bank), if it is a legal entity, without abbreviations
indication individual number taxpayer (TIN Unicredit Bank), which is available to organizations - 10 digits, and individuals and individual entrepreneurs - 12
indication of the checkpoint that legal entities have, but individuals and individual entrepreneurs do not have it
indication of the current account number of the person receiving the payment, consisting of 20 characters
indication of the details of the banking organization in the form of the full name and its location (it is enough to indicate the name of the city, for example, UniCredit Bank JSC)
indication of the bank's correspondent account, which consists of 20 numbers assigned to the bank upon its registration
indication of the BIC of Unicredit Bank, is also individual for each banking organization

If the client makes a payment in the state budget, then the details do not need to indicate a correspondent account. When the name of the bank is indicated, there must be an indication of the name of the number of the Moscow State Technical University of the bank, where the distribution of payments made for taxes and other payments takes place.

You need to be careful with the name of the recipient; quite often there is a personal account number there so that the funds reach the recipient.

Differences in details

Details are non-constant parameters. Sometimes they can change for one or another economic entity. There are also different types of details - for individuals they are one, for legal ones - another, and for the currencies of other countries - third. UniCredit Bank also has special details for payments in foreign currency, see them at the beginning of the article.

They are constant and variable. Permanent details are those that are constantly present in documents (for example, the name of the institution, its emblem and reference Information about him). Variable details change depending on the transaction being concluded.

Also, details are distinguished as primary and secondary. The main ones confirm the legal force of the document, and the secondary ones are in addition to the main ones.

Where to find out details

UniCredit Bank details can be found using:

agreement that was concluded with banking organization upon receipt of a credit card
visiting the UniCredit Bank branch where you received credit card to get information about the details (ID required)
filling out an official request by email indicating the last name, middle name, branch in which the card account was opened, card number
call the UniCredit Bank hotline at 8 800 700 10 20 with a request to provide card account details, to do this you will have to give the code word specified in the agreement
using Internet banking, to do this you need to log into the site by entering your card number and password

How to repay a loan

You can repay a loan from Unicredit Bank using its details using:

Unicredit Bank website
ATMs
transfer from account
branches of Unicredit Bank
Russian Post
transfer from accounts of other banking organizations
payment systems

Unicredit Bank website

Is quite simple and in an accessible way loan repayment. The disadvantage of this method is the commission of 2%.

you just need to go to the Unicredit Bank website
select the “Loan repayment” tab
click the “Pay” button
then the client should indicate the first name, last name, patronymic of the person to whom the payment is intended, his account number in the form of twenty characters, email and the amount intended for the recipient
then the client must fill in the card details of the person sending the payment and confirm the operation
confirmation of the transaction will soon appear in the sender’s email

ATMs

Also, this payment method is the most common and accessible method, since Unicredit Bank ATMs are located everywhere and operate around the clock.

Instructions for using this method:

you need to insert the card into an ATM for cash or use the Unicredit Bank terminal
select – Cash deposit (Repay loan) – To account – Account currency
then select an account number to make the payment specified in the loan agreement
deposit the amount intended for payment
make sure that all operations were successful and the required amount was deposited
confirm the transaction and take a receipt, which you then need to save to confirm the payment

In the 20th of October, the need arose to open an account for an individual entrepreneur. I filled electronic form on the Unicreditbank website and, satisfied, came to the specified address at the nearest branch on Leninsky Prospekt, 113/1. I am a private client of the bank and, based on my experience of communicating with the bank (very positive), I naively hoped that I would be the same problem-free client with my individual account. I thought that now on the way to work I would stop by and quickly open an account for my individual entrepreneur. Haha, that was not the case.

A small note: as always, everything had to be done very quickly and I encountered the procedures of an individual entrepreneur (i.e., became a legal entity) exclusively for the first time - before that I was a private client of banks. Therefore, I did not know about the package of documents for individual entrepreneurs (I saw that I had quite a lot of papers after registration) - I thought that they would be enough...

As I wrote above, I filled out an online application and showed up at the branch at Leninsky Prospekt, 113/1. I took a coupon to open an account and approached the young man behind the counter and asked about opening an account. The young man asked if I had an appointment? I answered - yes, I filled out the form on the Internet. He said - wait, and I began to wait.

As it later turned out, the legal entity specialist did not have a single visitor, I waited for about half an hour (another nail in the coffin of the quality of UKB service).

I was received by a legal specialist. She said that, in fact, I was not by appointment (I immediately remembered government offices), but she would accept me. I said that I would like to open an account for an individual entrepreneur, and she gave me a list of documents to open. I dumped out my documents, and we began to study - it turned out that I did not have the only document “12. INFORMATION LETTER on registration in the Unified State Register of Pools of Public Promotion (Certificate from Rosstat of the Russian Federation)” - an excerpt from the list of documents. The legal entity specialist said that this certificate must be issued by a statistics agency and have a blue seal. I argued for a long time that this certificate may not be needed and all the data is in my documents, to which the specialist was adamant. I dried myself off and went on with my business.

In the evening, I scoured the Internet to find out where I could get this wonderful certificate with a blue seal and came across some interesting documents.

"CENTRAL BANK OF THE RUSSIAN FEDERATION LETTER dated June 19, 2009 N 75-T" and "FEDERAL STATE STATISTICS SERVICE LETTER dated June 9, 2009 N AK-01-22/2019 ON OPENING CURRENT ACCOUNTS FOR ECONOMIC SUBJECTS OBJECTS."

Briefly, these documents state that “For the purpose of obtaining information about the identification legal entities established by state statistics bodies, the Federal State Statistics Service, developed and posted on the Rosstat State Medical Center website in direct access for ministries, departments and the Bank of Russia Information system for users (ISP), formed on the basis of the Statistical Register of Rosstat" and "ISP allows government bodies and the Bank of Russia to perform their functions to receive data on OK TEI codes of legal entities, as well as generate data in the necessary sections. In this case, there is no need to request from the business entity a document on the OK TEI codes, as provided for by established practice."

Those. it says that the bank can request all statistical information from open databases and EVEN Central Bank and federal Service statistics say about this, they say, don’t demand this stupid piece of paper from legal entities, but take it yourself, don’t be an asshole.

In general, I received this certificate on the website of the statistical service, although without the blue seal.

Armed with this information, I called the next day at Unicredit, a specialist in legal entities, who kindly gave me her phone number. When I introduced her to the official letters mentioned above, she said that she knew nothing, she had an internal directive and if I wanted, I could go... to their lawyer, he would consider my appeal within 30 days and give an answer. In short, a purely Soviet answer. As I wrote above, everything had to be urgent and there was absolutely no time to look for this statistical certificate, much less wait 30 days for some ephemeral lawyer to respond to my request (probably written).

I looked on the Internet for the conditions of the VTB24 bank, of which I am a private client, and, OH MIRACLE, this stupid statistical certificate is not on the list, I came to VTB24 and they opened everything for me, I specifically asked about this certificate from statistics, to which they answered in surprise - why - this information is in open access, but it’s good that you have it, we won’t have to look. As a result, I opened an account with VTB24 (they even did everything for me urgently and the next day I had an account and access to the Internet bank), but that’s another story.

Summary: due to clumsiness in general good bank, I had to go to a competitor to get service there. Moreover, as a private client, I am quite satisfied with the bank.

Due to the fact that bank specialists do not monitor the latest innovations in the banking and statistical practice of the country, the result is complete disgasment and collective farm European bank and loss of clients due to contrived and atavistic procedures.

Score: 1 Not counted

On July 17, I provided the Belgorod branch of the bank with a package of documents for opening a current account for a legal entity. On the same day, the bank unlawfully refused to open a current account.

The illegality lies in the fact that, according to Article 846 of the Civil Code of the Russian Federation, the bank does not have the right to refuse to open an account. In addition, according to Federal Law 470 of December 29, 2018, if the bank nevertheless refuses to open an account, it is obliged to indicate in writing a justified reason for such refusal.

I filed a complaint about this, which an office employee named Sh-tsova refused to accept, saying that the bank was allegedly not obliged to disclose the reasons for the refusal. It follows that this person is completely unaware of the existence of Federal Law-470, according to which, on the contrary, they are required. Another employee confirmed that in their work, when considering an application for opening an account, they are guided by regulation N550 n, issued by the Central Bank of the Russian Federation and which has become invalid due to the publication of the new above-mentioned Federal Law. The head of the Security Service, called by Sh-tsova, also does not know about the existence of such a law.

Dear bankers, how can such illiterate people work for you, who, without knowing the laws and for some unknown reason, refuse to open a current account?! And at the same time they refuse to accept the claim for consideration.
I ask you to give a detailed answer regarding the reason for the refusal. Just don’t refer to Federal Law 115, to which my organization has nothing to do and you have no evidence to the contrary.

Portal administrator 25.07.2018 12:19

Malicious violation of registration rules.

UniCredit Bank 07.27.2018 16:30

Hello!
We thank you and your company for contacting UniCredit Bank JSC.
In response to your request, we express regret about the current situation, however, we draw your attention to the fact that the Bank’s actions when opening/closing current accounts of Clients are regulated by clause 2 of Art. 846 of the Civil Code of the Russian Federation, as well as Instruction of the Central Bank of the Russian Federation dated May 30, 2014 N 153-I “On opening and closing bank accounts, deposit accounts, deposit accounts” (Registered with the Ministry of Justice of Russia on June 19, 2014 N 32813).
In accordance with clause 1.2. Instructions The basis for opening an account is the conclusion of an account agreement of the appropriate type and the submission of all documents and information required by law before opening the account. Russian Federation, provided that in order to comply with Federal Law No. 115-FZ:
identification of the client, his representative, and beneficiary has been carried out;
reasonable and accessible measures under the current circumstances have been taken to identify the beneficial owners, except in cases provided for Federal law N 115-FZ, when identification of beneficial owners is not carried out.
Thus, before opening a bank account, a credit institution must identify the client in the manner established by the legislation of the Russian Federation, and also make sure that the purpose of opening an account for the client is not to carry out transactions for the purpose of legalizing (laundering) proceeds from crime or financing terrorism .
To get more detailed information If you have a question that concerns you, you need to contact the Additional Document Submission Office.
Hope for your understanding.
Sincerely,
JSC UniCredit Bank

UniCredit Bank is now a systemically important credit organization with foreign capital, widely represented in Russia. The bank began operating in 1989, then it operated under the name IMB (International Moscow Bank), and changed its name to the current one only in 2007, when it was completely acquired by the European banking group UniCredit Bank.

Today the 24Direktor portal will review the features and offers of this bank, its products and services for business and private clients.

Initially, the focus of the credit institution’s activities was lending and servicing legal entities, and currently UniCredit Bank is universal bank, actively developing the retail business and represented by more than sixty subsidiary companies and twelve operational offices. Although the bank has foreign capital, it is part of the DIA, and the conditions for withdrawing cash from ATMs for its clients are the same both in the Russian Federation, the CIS and Europe.

The bank provides comprehensive services to organizations settlement and cash services. You can open an account in both rubles and foreign currency, both resident and non-resident organizations. In order to effectively manage an organization’s finances, you can choose one of several cash settlement packages, each of which optimally combines asset management tools that are suitable for a specific type of activity.

By concluding an acquiring service agreement with a bank, a trade or service enterprise has the opportunity to accept payments plastic cards, which is not only a legal requirement, but also increases customer loyalty and turnover. In addition to providing payment terminals ( merchant acquiring), the bank can connect a special widget for card payments to the organization’s website (Internet acquiring). It is worth noting that if you have any questions, you can always contact 24-hour technical support.

Lending to legal entities is represented by a wide range of programs: loan for financing working capital, investment loan, overdraft, refinancing, targeted collateral programs and others.

You can reduce the costs associated with the collection of cash and cash register equipment when paying salaries by connecting salary project at UniCredit Bank. Pay wages it will take significantly less time for employees, since a single amount is debited from the company’s account, and then the bank distributes it among the employees itself (in accordance with payroll). For employees of the organization, cards are issued and serviced free of charge.

UniCredit developed the Internet bank “Business Online” on its own platform. In your personal account you can not only track money movements, receive up-to-date information on accounts and generate reports for accounting programs, but also to perform active operations: open new accounts, deposits, convert currency, send documents to the bank for approval, generate payment orders and others.

In addition to a reliable data protection system and the functionality of your personal account, you can note the nice design and intuitive interface. You can view it in demo mode by following the link: https://ru.unicreditbanking.net/demo.

Internet banking for legal entities has only a web version, mobile application not developed.

UniCredit Bank provides for private clients Personal Area Enter UniCredit, which is developed on the RBS BS-Client platform. Private client." Internet banks in many leading countries are built on this system. credit institutions. In his personal account, the client can pay public utilities, communication, traffic police fines, open new retail products, make bank transfers and much more.

Like the Internet bank for legal entities, the Enter UniCredit personal account reliably encrypts confidential information and meets all information security requirements.

For mobile devices a convenient mobile bank“Mobile UniCredit”, which allows you to manage your funds from anywhere in the world and at any time directly from your smartphone or tablet and has all the necessary functions.

This time the editors of the website portal have reviewed for you the offers and products of one of the largest banks with foreign participation on Russian market. We hope that after reading the article you understood why almost thirty thousand chose this bank in Russia corporate clients and almost two million private ones, and were able to make a choice financial partner among the many offers for so many competitive market.

Update date: 11/29/2017