Serving all types of bank accounts in rubles and foreign currencies. Internet banking services. International payments, currency control. Letters of credit in rubles, bank guarantees.
A full range of settlement and cash services. Opening and maintaining accounts in rubles and foreign currencies, settling letters of credit and collection, accepting and issuing cash, issuing passports for transactions under export and import contracts, conducting conversion operations.
Settlement and cash services are a list of services that allow the bank to provide settlement transactions on the client's account.
Advantages of registration of settlement and cash services in J&T Bank:
- Personal approach to our clients;
- Personal consultant when opening an account;
- Confidentiality guaranteed.
Tariffs for settlement and cash services
Required documents for opening an account
- Current accounts are opened both for companies and entrepreneurs registered in the Russian Federation and for non-resident firms. The procedure for opening an account takes no more than 3 banking days from the date of submission of the package of documents.
For resident legal entities |
| List of documents for opening an account for a resident legal entity |
| Application for opening an account |
For individual entrepreneurs |
| List of documents for opening an account for an individual entrepreneur |
| Agreement for opening a current account in rubles |
| Agreement for opening a current account in foreign currency |
| Application for opening an account |
| Application for opening an additional account |
For non-resident legal entities |
| List of documents for opening an account for a non-resident legal entity |
| Agreement for opening a current account in rubles |
| Agreement for opening a current account in foreign currency |
| Application for opening an account |
| Application for opening an additional account |
How to arrange settlement and cash services? How do I open an account?
In order to receive a current account, you need to contact the office of J&T Bank, having with you all the necessary list of documents, as well as a completed application for opening.
After checking and considering the application, the bank's specialists will draw up an appropriate agreement, which will indicate the tariffs for services, details, as well as a list of services that the client plans to use for the duration of the agreement.
You can get more detailed information by phone:
Irina Novikova: +7 495 662 45 45 - ext. 024
Hello! Today we will talk about what cash and settlement services are and provide tariffs for the TOP-10 best banks with cash settlement services.
Settlement and cash services are provided by banks to legal entities and individuals (IP) for a monthly fee. Clients need to prepare a package of documents and sign a banking service agreement. After that, you can use acquiring, a salary project and other conveniences.
What is settlement and cash services, and is it possible to do without it
The range of services that the bank provides to its clients when maintaining a current account is called settlement and cash services or cash settlement services. This is carrying out various operations, such as the implementation of payment orders, their revocation, withdrawal and deposit of cash, as well as many additional options. Their list and cost depends on the selected service package and.
By concluding an agreement with the bank, the client will join the conditions for the provision of cash settlement services by the bank. This means that you can take advantage of all the benefits that banks offer and greatly simplify your business.
Choose a current account
What is included in the settlement and cash services
Cash settlement service implies a wide range of services, not only in servicing the account itself. The client has the right to choose one or more of them. Some options are already included in the price of service packages, while others are charged separately.
Settlement and cash services include:
Checking account. Cash payments are allowed only with the amount of one contract worth up to 100,000 rubles. Anything above this threshold must go through a bank account. Its main purpose is translation. You or a bank employee form a payment order indicating the amount and purpose of the transfer, which is subsequently implemented in favor of the recipient of the funds;
Acquiring: shopping, mobile and internet. Banks provide for the use of clients involved in the sale of goods and services, special trade equipment. It allows the buyer to pay by bank transfer. In this case, information about the sale is promptly received by the tax authority. Banks carry out installation and technical control over devices. The representatives of the lending institution also conduct training on working with the equipment;
Foreign exchange control. For clients conducting business with foreign partners, banks draw up passports of transactions, check contracts for compliance with legislation;
Salary project. If the state of the organization or SP there are hired employees, then the bank can pay wages. To do this, the employer transfers funds to his account, and then the bank employees distribute the amount between individuals;
Corporate cards. You can link a card to your current account to pay for entertainment expenses, business needs or travel expenses. Plastic allows you to withdraw cash from an account through an ATM;
Self-collection. The banking service allows you to deposit the proceeds yourself at the ATM. You do not have to visit a branch of a credit institution: it is enough to have a special code that is entered into the self-service device. Then the money is credited to the current account. This option is convenient for small businesses with low turnover;
Mobile bank. Through the downloaded application, you can control the account balance and make payments using saved templates;
Internet banking. This is a personal account on the bank's website. Allows you to remotely maintain account maintenance. You do not need the help of an operator for this: you can carry out any operations with your own hands, and a special window with a chat will allow you to contact a specialist. To compose and send payment orders to the bank, you need to purchase a token that provides access to an electronic signature.
Tariffs of TOP-10 banks for settlement and cash services
Banks set their own rates for cash settlement services. They depend on the rating of the credit institution, the number of clients, and the variety of functions. A profitable bank is distinguished by low tariffs and a wide range of services. We invite you to compare the prices of cash settlement services based on the tariffs of the TOP-10 banks. Our analysis will help you choose the right bank.
Tariffs of all banks
Point
Tochka Bank offers 3 service packages: "Minimal", "Optimal", and "Ideal". Each of them already includes a certain list of services. The more expensive the package is, the more options the client has. The service cost is the same for all regions of the country.
We suggest that you familiarize yourself with the bank's tariffs in the table.
| Section RSC | Rate |
| Account opening cost | Is free |
| Monthly maintenance | 0 - 2500 rub. |
| from 0 to 60 rubles depending on the package of services | |
Depends on the package of services. At the maximum rate:
The minimum commission amount is 100 rubles. For individual entrepreneurs on simplified taxation system 6% without employees and cash desk, withdrawal takes place without commission. |
|
| Operation day | payments between bank clients are made from 00:00 to 20:50 |
| Possibilities |
|
Tinkoff
Bank Tinkoff has no customer service offices. All operations are carried out remotely by the legal entities and individual entrepreneurs themselves. The credit institution has developed 3 service packages, the use of which for the first 90 days is free.
You can get acquainted with the cost of bank services by looking at the data in the table.
| Section RSC | Rate |
| Account opening cost | Is free |
| Monthly maintenance | From 490 to 4990 rubles, starting from the 2nd month |
| Payment order cost | From 19 to 49 rubles, depending on the package of services. From 3 to 10 payments can be made free of charge, except for the "Professional" service package. |
| Limits and interest on cash withdrawals for individual entrepreneurs and organizations (LLC) | 1 - 15% depending on the amount withdrawn (also for each service package there is a minimum commission in rubles - from 59 to 99 rubles per operation) |
| Operation day | 7:00 — 21:00 |
| Possibilities |
|
The Bank offers its clients 3 service packages: "Start", "Optimal" and "Unlimited". The first of them involves free account management, but with a limited list of operations. The client gets the widest opportunities with the "Unlimited" package. More detailed information about the bank's tariffs can be seen in the table.
| Section RSC | Rate |
| Account opening cost | Is free |
| Monthly maintenance | 0, 690 and 4900 p. depending on the connected service package |
| Payment order cost |
|
| Limits and interest on cash withdrawals for individual entrepreneurs and organizations (LLC) |
|
| Operation day | 5:00 — 20:30 |
| Possibilities |
|
Sberbank has developed new service packages that will be convenient for both novice businessmen and owners of large enterprises. You can reserve a current account number on the bank's website in just 5 minutes. At the same time, at any tariff, no fee is charged for making payments in favor of the budget and for connecting to Internet Banking.
You can see the Sberbank tariffs in our table.
| Section RSC | Rate |
| Account opening cost | 0 p. |
| Monthly maintenance | 0 - 9600 RUB |
| Payment order cost | external transfers - from 16 rubles, payments within Sberbank - free |
| Limits and interest on cash withdrawals for individual entrepreneurs and organizations (LLC) |
|
| Operation day |
|
| Possibilities |
|
Loco-Bank
The bank offers its customers to connect one of three service packages to choose from. The higher the turnover of your business, the more expensive the monthly maintenance cost will be. All clients of Loko-Bank have access to the service of depositing cash anywhere in the country. You can deposit the proceeds by calling a special code from the SMS, and the money will be credited to the account on the same day.
Rosbank
Tariffs for cash settlement services at Rosbank are as follows:
RCO in Rosbank has the following features:
- Making an invoice in 1 day.
- Free internet bank at any tariff.
- Extended banking day from 9:00 to 20:00.
- Enrollment of transfers "day to day".
More about Rosbank
Opening an account in this bank is convenient for novice entrepreneurs and small companies. Affordable prices and high quality service are the main advantages of Vesta Bank, for which many businessmen choose it. There are three service packages for clients, within each of which free payments to the budget and Internet banking are provided.
In the new tariffs, the bank focuses on remote servicing of its customers. If non-cash payments prevail in your activity, then maintaining an account will be very profitable. At the same time, the bank will certify the documents for opening an account free of charge and offer discounts on additional options.
UBRD
The Ural Bank for Reconstruction and Development offers several service packages. Moreover, in the first 3 or 6 months, you can use the account on favorable terms. For example, a transfer according to a payment order is carried out free of charge an unlimited number of times.
| Section RSC | Rate |
| Account opening cost | Already included in the price of service packages. A fee may be charged for connecting the package. |
| Monthly maintenance | From 0 to 2200 rubles |
| Payment order cost | from 28 to 89 rubles |
| Limits and interest on cash withdrawals for individual entrepreneurs and organizations (LLC) | For individual entrepreneurs:
For legal entities:
|
| Operation day |
|
| Possibilities |
|
Opening
Otkritie Bank has a single tariff for opening an account in any region. The bank provides three service packages with a limit on the number of free payments. The cost of servicing within the tariffs largely depends on the method of managing accounts: you can perform transactions via the Internet bank or contact the branch employees.
Settlement and cash services for legal entities
For an organization to become a client of the bank, it needs to conclude an agreement. To do this, you will need the following:
- constituent documents;
- data from the extract of the Unified State Register of Legal Entities;
- information about the organization in the form of a bank;
- financial statements;
- recommendations from business partners and credit organizations in which the legal entity was previously served;
- certificate of absence of debt to the tax authority;
- card with samples of signatures and seals.
To open an account, you can contact a bank branch or order a service through its website. After the bank approves your organization as its client, you can start managing your own account: deposit or withdraw funds, make payments.
Settlement and cash services for individuals
An individual entrepreneur can withdraw cash from a current account for his own needs, make proceeds from the cash desk, and also send payment orders to the details of business partners. The legislation allows entrepreneurs to have open in different banks or in the same one.
And to conclude physical. persons, the following documents must be provided to the banking specialist:
- passport;
- information from the extract of EGRIP;
- a card with samples of signatures and a seal;
- information about individual entrepreneurs in the form of a bank;
- licenses;
- annual or quarterly reporting (for example, a tax return), if an account was previously opened with another bank;
- power of attorney (if the account is opened by a representative).
How to choose a bank, what to look for
Today there is a wide variety of banks, choosing only one among which is not an easy task. To simplify your search for the most suitable credit institution, we suggest that you familiarize yourself with the recommendations for choosing:
it is better to open a current account in a stable, large bank (Sberbank, Tochka (Otkritie), Tinkoff, SKB-Bank, UBRD, Modulbank). These parameters speak about the reliability of the credit institution, and therefore, by placing your funds here, you can not worry about them);
do not trust banks that have opened quite recently (they offer the cheapest service, but you must understand that this is a marketing ploy to attract new customers, and nothing more. However, there are new banks that are representative offices of well-known banks. You can trust that);
it is not worth visiting all banks, it is better to view information about them on the official websites or on our website in the section (you will spend much less time, besides, you will save. Today all banks have their own websites on which the information is located. If you have any -this question, you can always contact a specialist by calling the hotline);
choose a bank for additional cash settlement services and their cost (find out what options will be available to you. Can you use acquiring, connect a salary project or issue a corporate card);
pay attention to tariffs and service packages (it is better to use the services of a bank that provides exactly service packages. This way you will save a decent amount per year);
study the features of remote services (more and more businessmen are switching to maintaining an account without bank employees. And banks today are competing in creating the most convenient conditions for their customers. High-quality functionality and a clear interface of the Internet bank are the main search criteria).
Choose a bank that offers advanced service technologies (Tochka, Tinkoff and Modulbank). Running your business will be much easier. Additional services from banks that allow you to keep accounting and send reports to the tax authorities will help you to cope with the tasks set much faster. Good luck with choosing a bank!
Choose a current account
Settlement and cash services in Bank SOYUZ meet the highest standards - speed, quality, reliability and convenience for customers who are offered the widest range of cash transactions, all types of documentary settlements accepted in international banking practice (documentary letters of credit and collection, foreign trade guarantees) ...
The rates and tariffs have been determined based on the usual banking practice of the respective transactions.
The service fee for the client's account is charged by the Bank SOYUZ on a monthly basis, starting from the month in which the corresponding account is opened. If there are no transactions on the account within one month, the payment for settlement and cash services will not be charged. The transaction fee is charged daily on the day of the transaction.
Tariffs indicated in foreign currency are charged in foreign currency or in the ruble equivalent, calculated at the exchange rate of the Central Bank of the Russian Federation on the day the service is provided, at the discretion of Bank SOYUZ.
If the client refuses this order, the paid amount of the commission is not refundable.
The Bank has the right to offer the client a range of banking services with the determination of a different cost and execution of an additional agreement to the bank account agreement or other agreement.
The Bank has the right to make changes to the indicated tariffs as necessary, notifying the clients about this no later than the terms determined by the bank account agreement and other agreements concluded between the Bank SOYUZ and the client.
Operating time for legal entities and individual entrepreneurs
1. Time of operational servicing of legal entities and individual entrepreneurs (the time during which payment documents are accepted for carrying out transactions by the current date) of legal entities (except for credit institutions) and individual entrepreneurs for payment documents presented on paper:
From 9.30 a.m. up to 13 o'clock. 00 minutes local time for external payments, from 9.30 a.m. until 17 o'clock. 00 minutes for internal payments.
Friday and holidays- from 9.30 a.m. up to 13 o'clock. 00 min local time for external payments, from 9.30 a.m. up to 16 hours 00 minutes local time for domestic payments.
On weekends and holidays, payment documents are not accepted.
2. The time of operational services for legal entities and individual entrepreneurs (the time during which payment documents are received through the RBS (Remote Banking Service) system for conducting transactions with the current date) for legal entities (except for credit institutions) and individual entrepreneurs for payment documents:
Monday to Thursday (excluding weekends, holidays and pre-holidays): from 9.30 a.m. up to 16 hours 30 minutes local time for external payments, from 9.30 a.m. until 17 o'clock. 00 minutes local time for domestic payments.
Friday and holidays: from 9.30 a.m. up to 15 o'clock. 30 minutes. local time for external payments, from 9.30 a.m. up to 16 hours 00 minutes local time for domestic payments.
On weekends and holidays, payment documents are not accepted.
3. Time of cash services for the BANK's clients - legal entities and individual entrepreneurs:
Monday to Thursday (excluding weekends, holidays and pre-holidays): from 9.30 a.m. up to 16 hours 00 minutes by local time. On Friday and holidays: from 9.30 a.m. up to 15 o'clock. 00 minutes by local time.
On weekends and holidays, cash services are not provided.
Information for clients on opening, maintaining and closing accounts, lists and standard forms of documents
Lists of documents for opening accounts
Documents for opening, maintaining and closing accounts
- Rules for opening and maintaining bank accounts of clients - legal entities and individual entrepreneurs in Bank SOYUZ
- Offer-Application for opening a trust account
- Rules for opening and maintaining trust accounts
- Offer-Application for opening a special bank account of the supplier
- Rules for opening and maintaining special bank accounts of the supplier
- Offer-Application for opening a special bank account of a paying agent
- Rules for opening and maintaining special bank accounts of a paying agent
- Offer-Application for opening a special bank account of the debtor, intended for crediting funds received from the sale of the subject of pledge, and for satisfying the claims of creditors at the expense of such funds
The result of the development of cash and settlement services for individuals in Sberbank of the Russian Federation was the achievement of a leading position in this market sector, based on competitive pricing conditions and the quality of services provided, and a wide product range.
In the context of growing competition, the preservation of the leading position of Sberbank of Russia in this segment of the financial market and the further development of transactions for settlement and cash services to individuals is primarily associated with an improvement in the quality of services provided, a flexible tariff policy and a decrease in the labor intensity of operations for the client and the Savings Bank. In order to increase the size of payments made and, accordingly, reduce their cost, along with operations related to payments for housing and communal services, Sberbank of the Russian Federation develops services for payments of the population in favor of retail enterprises, enterprises and organizations providing household, transport, legal, educational, travel, telecommunications, insurance, medical and other services. Sberbank of Russia actively supports an increase in the volume of non-cash receipts in deposits, write-offs from accounts on behalf of the client.
Sberbank of the Russian Federation is significantly expanding the volume of operations for servicing money transfers of individuals in rubles and foreign currency. The volume of servicing property transactions of citizens, related consulting services, and the volume of services for renting individual safe boxes are increasing.
Cash services for individuals include: income and expense transactions, purchase and sale of foreign currency, sale of coins, bullion from precious metals, rent of individual safe boxes.
Income and expense transactions are carried out in the cash department. The department performs the following functions: accepting cash and other valuables, issuing cash and other valuables.
The scheme of settlement and cash services for individuals in the Central Center No. 4205 of Sberbank in Komsomolsk-on-Amur is shown in Figure 4:
Figure 4 - The structure of settlement and cash services for individuals in the Central Center No. 4205 of Sberbank in Komsomols-on-Amur
An individual who wants to open a deposit account fills out a credit slip, an alphabetical card and a deposit agreement, and also gives a sample signature on the face card. The controller completes the receipt order, in which he indicates the client's account number, the branch number, calculates interest on the deposited amount and signs the order, issues F 1, which indicates:
- - surname, name, patronymic of the client;
- - Account number;
- - branch number;
- - the amount of the initial payment;
- - date of birth of the client;
- - interest charges;
- - place of registration;
- - the term of the end of the deposit and the term of capitalization.
The controller issues a passbook, which must indicate:
- - name and location of the Savings Bank;
- - number of the account for the deposit;
- - the amount accepted in the deposit.
With an additional deposit, the client fills out a credit slip, in which he indicates the surname, name, patronymic of the account holder, the amount of the contribution, the date of the transaction and signs the order.
Funds can be accepted as a deposit from another person upon presentation of the savings book and the depositor's passport. If the book is not presented, cash is accepted on a receipt, the original of which remains with the depositor.
The main documents when making debit transactions in the bank are cash checks, debit orders. When disbursing funds from a deposit, the client provides a passport, a savings book and a completed debit slip.
The controller conducts a debit transaction on the personal account, displays the remaining interest and makes an entry in the savings book.
A client - an individual can draw up a power of attorney or a will for a deposit.
Also, at present, foreign exchange transactions with individuals have acquired wider significance.
Central Center No. 4205 of Sberbank in Kosomolsk-on-Amur has created a universal system of settlement and cash services for the entire range of foreign currency transactions. The following operations are carried out in the operating cash desks of the Savings Bank:
- - purchase and sale of foreign currency in cash for cash rubles (US dollars, euros, Japanese yens, Chinese yuan);
- - purchase and sale of payment documents (traveller's checks) in foreign currency for cash rubles, as well as sale and payment of payment documents for cash foreign currency;
- - acceptance for examination of banknotes of foreign states, the authenticity of which is in doubt;
- - acceptance for sending foreign currency cash for collection;
- - an operation to exchange a payment banknote;
- - replacement of a non-payment banknote with a payment banknote;
- - purchase of payment banknotes for cash rubles;
- - exchange of a banknote of a foreign state of the same denomination for a banknote of the same foreign state with the same denomination;
- - issue of cash foreign currency / cash rubles on debit and credit cards.
Having an account in rubles and foreign currency, it is possible to buy or sell the currency held by a client - an individual on the account by performing a non-cash conversion operation on the account. For these purposes, a special buy and sell rate is set daily in the bank for carrying out conversion operations with an individual's account.
If there is a deposit in rubles and foreign currency, when making a purchase transaction, you must fill out an order for debiting funds from a ruble deposit and an order for crediting funds in foreign currency for an amount calculated at the rate set by the bank on the day of the transaction.
At present, the Central Organizations Center No. 4205 of Sberbank of Komsomolsk-on-Amur open foreign currency accounts on demand and urgent for individuals. Interest rates on foreign currency deposits are systematically reviewed by the bank in accordance with market conditions. Deposits are accepted in the name of a specific person. The structure of deposits in foreign currency in Central Office # 4205 of Sberbank in Komsomolsk-on-Amur is presented in Appendix B.
Non-traditional banking operations include operations of banks with precious metals. Precious metals have investment value and are a tool for the formation and accumulation of funds. Therefore, they refer to financial assets and can be the subject of banking transactions.
Operations with precious metals as with currency values are regulated by the Law of the Russian Federation dated December 10, 2003, No. 173 - FZ "On Foreign Exchange Regulation and Currency Control" and the Law of the Russian Federation dated March 26, 1998, No. 41 - FZ "On Precious Metals and Precious Stones" ...
Precious metals are gold, silver, platinum, platinum group metals (palladium, iridium, birth, ruthenium, osmium) in any form and condition, with the exception of jewelry and other household items, as well as scrap of such items.
In order to carry out operations with precious metals, the bank must obtain permission to carry out such operations - a license to carry out operations with precious metals. The said license is issued by the Central Bank of the Russian Federation to an operating bank in the presence or simultaneously with a license to carry out operations in foreign currency. The newly created bank can also obtain a license to carry out operations with precious metals together with a license to carry out banking operations with funds in rubles and foreign currency (without the right to attract deposits from individuals).
A license (permit) to carry out operations with precious metals gives the bank the right to attract deposits and place precious metals.
Banks have the right to carry out the following operations and transactions with precious metals:
- 1.buy and sell precious metals both at your own expense and at the expense of your clients, acting as a commission agent or attorney for commission or commission agreements;
- 2. to attract precious metals in deposits (on demand and for a certain period) from individuals and legal entities;
- 3. to place attracted and own precious metals on their own behalf and at their own expense to deposit accounts with other banks, as well as to provide loans in precious metals;
- 4. to provide and receive ruble and foreign currency loans secured by precious metals;
- 5. to carry out storage and transportation of precious metals;
- 6. to carry out transactions of purchase and sale of precious metals.
Banks carry out operations with precious metals by opening metal accounts. Metal accounts are opened for individuals and legal entities, including banks. To store precious metals, banks open metal accounts for safekeeping. Precious metals accepted from the client for safekeeping are not borrowed funds of the bank and cannot be placed on their own behalf and at their own expense. To carry out operations to attract deposits and place precious metals, banks open unallocated metal accounts.
Central Office # 4205 of Sberbank in Komsomolsk-on-Amur sells gold bullions. Measured ingots are manufactured and marked by Russian organizations in accordance with the current state standards, weighing from 1 g to 1 kg with a chemically pure gold content of at least 99.99% of the ligature mass of the ingot. The bank provides qualified assistance and advice in the sale of measured ingots. When sold, they are accompanied by documents confirming the origin of the ingots (certificate or passport of the manufacturer).
The prices for the sale of measured ingots made of precious metals are set taking into account value added tax and vary depending on the purchase quotation of the Bank of Russia.
Also, Central Office # 4205 of Sberbank of Komsomolsk-on-Amur sells commemorative and commemorative coins made of precious metals. Jubilee and commemorative coins are the currency of the Russian Federation, expensive materials (precious metals) are used in their manufacture, complex technologies are used with checks and decoration methods, which give coins specific properties and allow them to be used both as a means of payment at face value and as objects collecting and investing.
Clients are offered silver coins in denominations of 1 ruble, 2 rubles, 3 rubles, 25 rubles, gold coins in denominations of 10 rubles, 25 rubles, 50 rubles, 100 rubles. The demand for coins by individual customers is so great that it becomes more and more difficult to satisfy it every year.
Central Center No. 4205 of Sberbank of Komsomolsk-on-Amur accepts payments in favor of enterprises, institutions and organizations, payments to the budget and off-budget funds, voluntary contributions from citizens:
- - payments for an apartment, utilities (electricity, gas, telephone, etc.);
- - taxes and payments credited to the budget and off-budget funds (technical inspection of vehicles, registration at the place of residence, targeted tax for a foreign passport, order for an apartment, etc.);
- - insurance payments and state insurance payments;
- - payments of voluntary associations;
- - receipts of voluntary contributions from the population and organizations.
Payments are accepted by the bank regardless of the payer's place of residence and the location of the account of the organization receiving the payment.
These operations are carried out by accepting cash and in the order of non-cash settlements on the instructions of depositors on the transfer of amounts from deposit accounts.
Table 11 provides information on the amount of transactions on settlement and cash services for individuals by Central Organizer No. 4205 of Sberbank in Komsomolsk-on-Amur.
Table 11- Information on the amount of transactions on settlement and cash services for individuals of Central Office # 4205 of Sberbank, Komsomolsk-on-Amur thousand rubles for 2002-2004.
CO No. 4205 of Sberbank of Komsomolsk-on-Amur provides the bank's clients - individuals and legal entities - in leasing individual safes:
- - for storing valuables and documents;
- - to carry out settlements for transactions in the sale and purchase of real estate;
- - to notaries for the storage of inherited property in connection with the performance of notarial acts in inheritance matters.
An individual safe is provided to the client for rent on the basis of a lease agreement concluded with the bank for a period determined by the parties. By agreement of the parties, the lease term can be extended.
One of the most important directions in the work of a commercial bank to improve services for individuals is the development of non-cash settlements of citizens with trade, utilities and other enterprises. Currently, banks carry out a wide range of cash and settlement operations: they accept payments from the population in favor of enterprises, institutions, organizations, as well as in the income of state and local budgets; issue check receipts for payment for goods and services; make non-cash payments on behalf of depositors; perform other operations.
In recent years, the range of goods and services for which the population can pay by bank transfer has significantly expanded. One of the forms of non-cash payments are settlement checks.
Sberbank of Russia check is a registered monetary document certifying the right to receive an amount in the currency of the Russian Federation at the expense of funds deposited by the client in Sberbank of Russia. The validity period of the check is 4 months.
A check is issued in the name of an individual when he deposits cash on a check or write off an amount from a deposit account and can be used by a client to receive cash or credit the amount of a check to a deposit account.
At the request of the client, a settlement check can be issued in the name of another person, who in this case becomes the owner of the settlement check.
When issuing a check, a service fee of 0.5% of the amount is charged. When paying a check, the service fee is 0.5% of the amount.
CO No. 4205 of Sberbank in Komsomolsk-on-Amur carries out transactions for the sale of traveller's checks of the following issuing companies American Express, Thomas Cook-MasterCard, Visa Interpayment.
Traveler's checks in US dollars and euros can be purchased at Central Center No. 4205 of Sberbank in Komsomolsk-on-Amur:
- - for cash;
- - for cash rubles;
- - by writing off funds from foreign currency or ruble deposits.
Types of traveler's checks, the payment of which is made at the cash desks and exchange offices of Sberbank in Komsomolsk-on-Amur: American Express, Thomas Cook-MasterCard, Visa, Citicorp.
Traveler's checks are very easy to use. When buying checks, the client puts his signature on each purchased check. Upon presentation for payment, the owner must re-sign the checks in the presence of the person receiving the traveler's checks. Payment for the check is made if the signatures are identical. This system insures the owner against the risk of losing the check.
For the sale of a traveler's check, the bank charges a commission of 0.5% (min 1 USD). Traveler's checks are accepted for payment all over the world in shops, restaurants, hotels, service services. The exchange of traveler's checks in banks and other financial institutions for payment of the host state is more profitable than exchanging US dollars in cash. Travelers checks are indefinite. If necessary, the check can be exchanged for cash or rubles at Sberbank of Russia or other financial institutions.
CO No. 4205 of Sberbank of Komsomolsk-on-Amur transfers deposits (in whole or in part) and cash (both for crediting to deposits and for cash payments) to any institution of Sberbank of Russia, as well as to any bank of Russia and for border. Sberbank of Russia offers the minimum terms for making a transfer:
- - currency transfer - 3 days;
- - ruble transfer within Russia - 3 days;
- - ruble transfer in the system of Sberbank of Russia - 3 days;
- - urgent transfer of cash in the system (regional banks and branches) of Sberbank of Russia - 24 hours.
To transfer a deposit or cash, an individual client does not need to have a deposit account at the institution of Sberbank of Russia to which the funds are transferred. The client has the right to transfer the deposit (in whole or in part) or cash both in his own name and in the name of any other person.
Appendix B presents the tariffs for money transfer services established in the Central Center # 4205 of Sberbank in the city of Komsomolsk-on-Amur.
The mechanism of functioning of the electronic money settlement system for individual clients is based on the use of plastic cards and includes transactions carried out using ATMs, electronic settlement systems of the population in trade organizations, banking systems for individuals at home and at the workplace, as a way to bring various services to consumer.
The assistance service of Sberbank of Russia provides the following services by phone to cardholders around the clock:
- - blocking of cards by the customer's telephone message;
- - consultation of the client on the procedure for action in case of loss or theft of the card;
- - recommendations on the order of the client's actions in case of identifying disputable transactions;
- - provision of information on the expenditure limit for authorization, account balance, expenditure transactions and account replenishment transactions, reasons for refusing to service the card, service points.
In addition to the offered traditional plastic cards of international standard, the Savings Bank of Russia carries out non-cash payments in the system of settlements with bank cards AS "Sberkart". This is a microprocessor card that operates within the Sberbank RF system.
AS "Sbercard" card is a bank card with a built-in microprocessor and applied with the Sberbank of Russia logo or the Sbercard trademark. The Sbercard AS microprocessor card is issued by Sberbank institutions to residents of the Russian Federation - legal entities and individuals for a period of 12 or 24 months exclusively in rubles. Further, if desired, the period is extended. With each operation, the amount is debited directly from the card, and not from the card account, that is, the microprocessor carries variable information about the amount of funds. For clients - individuals there are two types of cards: salary and personal.
The Sbercard AS salary card is issued as part of the implementation of joint “salary projects” with enterprises in Russia. It is intended to receive wages, fees, scholarships and other income, as well as to pay for goods, works, services and receive cash in the divisions of Sberbank of Russia that carry out operations with cards. Annual maintenance of the salary bank card account is free of charge. Daily accrual of interest on the balance of funds on the card account is carried out at the rate of 2% per annum.
Personal card AS "Sbercard" is issued to a client - an individual for their own purposes. The first year of servicing such a card costs 250 rubles, each subsequent year 125 rubles. Interest on the balance of funds is accrued on a quarterly basis at the rate of 2% per annum.
Cash withdrawal in rubles, on both cards, within the territorial bank that issued the card, is free of charge, in other branches - a fee of 1% of the amount of cash received is charged. There is no initial payment for opening a bank card account and a non-withdrawable account balance.
Table 12 provides information on attracting funds from individuals to bank card accounts of AS "Sberkart" in the Central Center # 4205 of Sberbank in Komsomolsk-on-Amur.
Table 12 - Information on attracting funds to bank card accounts of AS "Sbercard" in the Central Center # 4205 of Sberbank in Komsomolsk-on-Amur.
Analyzing table 12, we can conclude that the popularity of AS "Sberkart" in the city of Komsomolsk-on-Amur is growing, because the volume of attracted funds increased from 321 thousand rubles in 2002. up to 40,076 thousand rubles in 2004 and amounted to 39755 thousand rubles.
Thus, the advantages of Sbercard AS microprocessor cards are:
- - wide service network;
- - cost-effectiveness - all settlement operations in trade and service enterprises are carried out without commission;
- - the speed of processing transactions and the minimum amount of documents to be filled out - the card is issued on the day the account is opened;
- - security - a high level of card protection excludes unauthorized access to the account;
- - speed and ease of maintenance;
- - functionality - the presence of two accounts on the card: one is completely password-protected, and the other without passwords, allows you to make small purchases without typing a PIN-code.
Settlement and cash services are a range of services that the bank provides to its customers. This range of services includes servicing the client's current account (non-cash payments within the balance of the client's account), withdrawing funds, Internet banking, buying / selling foreign currency, accepting payments from third parties for goods and services, accepting cash receipts at the cashier bank, collection of proceeds, bank guarantee and much more.
A specific list of services within the framework of settlement and cash services (CSC) is fixed in a bilateral agreement.
Cash settlement services are provided by banks to both legal entities and individuals.
The list of services for individuals is much less. Usually these are replenishment / withdrawal of funds, non-cash payments, Internet banking. Most banks charge individuals for a specific service provided (either a% for withdrawing funds, or the cost of a payment order, or a commission for a non-cash replenishment of a client's account, etc.).
However, there are banks (PJSC "UkrSibbank" - "All inclusive" package offer), which charge a monthly subscription fee for the service package provided (current account + plastic card + Internet banking), regardless of whether the client performed any transactions for the current month or not.
Cash settlement services for legal entities
The list of services for legal entities is much larger, because the lion's share of the bank's income from cash settlement services is formed precisely through services to legal entities. Very strong competition in this segment forces banks, in order to attract new customers, to provide a grace period, so to speak, "trial" period of service for new customers. Usually this period is 3-6 months. During this period, the bank opens an account for a formal fee, connects Internet banking services, sets a lower commission for the purchase / sale of foreign currency.
All this is done in order to "tie" the client to the level of service, to create a loyal client, who will then cooperate on standard terms.
If you decide to take advantage of such an offer from the bank, our advice to you is to fix for yourself the period from which service begins under standard conditions and how many times its cost will increase compared to the grace period. In addition, in the agreement on cash settlement, be sure to read the procedure for informing you, as a client, about changes in the conditions of settlement and cash services.
Today, banks usually do not "strain themselves with an" individual approach to the client "- an announcement on the website or in a bank branch is considered sufficient to familiarize the client with the changes. So, be careful in this matter, so that the new cost of cash settlement services does not become unexpected news for you.
The average cost of cash settlement services today, subject to using a current account, Internet banking, withdrawing funds and making up to 50 non-cash payments, is 150-200 UAH. per month. Legal entities pay for cash settlement services for each month, subject to the operation. If the client did not carry out transactions on the current account, then the bank will not charge the monthly fee. But if the client makes at least one operation, he will be forced to pay a monthly fee for the whole month.
Some banks (PUJSC "FIDOBANK", PJSC "FUIB") are ready to meet their clients and establish individual, more loyal, terms of service within the framework of the cash settlement. We advise you to inquire about this possibility in your bank.
What is bank filing cabinet 1 and 2?
The concept of a bank filing cabinet is inextricably linked with the concept of cash settlement.
Bank card files are customer settlement documents that are characterized as not completed and are controlled by the bank in which the customer has a current account.
There are several reasons why the payer's payment documents get into the bank's filing cabinet:
- lack of own funds for the execution of payment orders;
- waiting for the payer's acceptance for execution;
- waiting for the payment to be made without acceptance in accordance with the law.
The bank distinguishes between Card index No. 1 and Card index No. 2.
To Card index number 1 documents are received for the execution of which permission is required (as an example - the decision of the authorized bodies that the client's account has been seized in whole or in part, etc.).
Card file number 2 it is used when there are not enough funds on the client's account for the payment document to be executed immediately. This is the first reason for getting into the filing cabinet according to the above list.
In the future, the execution of this document is carried out as the funds are credited to the client's account. In addition, you should pay attention to the fact that new payment documents created by the client will not be executed by the bank until the card index is closed. However, payment orders in the filing cabinet can be paid in part, in contrast to the usual ones.