People who have arrived or returned from Ukraine, often need exchange your currency - the hryvnia - the ruble. But in any exchange transaction, even with a small amount, you need to know and follow some rules in order not to lose money.

Each person should remember that there are some signs that determine the authenticity of banknotes. Knowing them, you can protect yourself from fraud and keep their money.

The easiest way to find account to your savings account is to look at its title page. Twenty digits, coming after the word "Account number", and there's room account. In those situations where the passbook is not at hand, will help the system Sberbank Online, mobile banking or visit a branch SB of the Russian Federation, where you started the book.

Due to various reasons in the business of life often have overdue payments. Most of them are extinguished in working order and do not attract special attention of accountants. However, there are situations when the counterparty regularly allow for such delays. In this case the contracts prescribes the penalty as a way to compensate the aggrieved party for late return and use her money.

Deciding to apply to the Bank for a loan you must clearly understand that you have to pay monthly a certain amount of money. To respect this schedule is very important, because your integrity will depend on your credit history. If it is damaged, you fall into the black list of borrowers. Getting into the blacklist is not only the inability to borrow again. The list of services provided by the Bank as a whole is very reduced for a "delinquent". Therefore, the problem to be solved.

BIC is an acronym of the initial letters of the phrase "the Bank's identification code". BIC is a mandatory element of any Bank details. Bank identification code consists of nine digits. It fixes the location of the subdivision, which provides services to clients and non-cash payments.

Send a money transfer to a family member or friend anywhere in the world there is no difficulty. There are many money transfer systems. There are systems that only work inside the country, is working on the CIS and around the world. Each one has its tariffs for money transfer, the delivery time takes only a few minutes.

Penalty for late payment – the most common way of maintaining financial discipline. It applies to all contractual relations. Even if the contract penalty is not prescribed, the aggrieved party is still in most cases has the right to charge based on the amount of the refinancing rate of the CBR.

People often make the loan- ing of the map, and when the stores don't have enough money for some important purchase, they use them. While a few of them think about how it will be possible in the future to pay the loan.

Today, the cardholder can check the balance on your account in a variety of ways. Moreover, some methods allow you to check the account balance without even leaving the house.

The procedure of account opening in the savings Bank is quite simple and designed in such a way that Bank customers have the opportunity to open accounts in Russian rubles and in foreign currency. In addition , the savings Bank opens and maintains several types of accounts for individuals.

The legislation allows consumers to claim a refund of the money spent on a product or service if they were of poor quality or not fit for him for other reasons. The first and often sufficient step in this way writing becomes a claim in the organization where you purchased the product or service.

In our days to transfer money to another city in "Sberbank" (or any other Bank) is not working. Offices are located at every step, the fee per transaction is minimal, and the money not reach for weeks, and in a matter of hours. In some cases, in order to carry out the transfer of funds, not even needing to leave your home.

Learn your banking account details easy. You can contact for this purpose in the Bank branch where the account is opened (and in some cases any). All information except the account number present on the Bank's website. The room you can see in online banking or ask the call center. In the presence of a passbook or similar document it is usually specified.

The usability of the Internet to pay utility and other charges has been appreciated by many clients of Sberbank. The Bank offers several simple ways to learn the balance of your account.

The transfer of money abroad, for example, Kazakhstan can be quite complex and expensive undertaking. However, there are several ways of sending money, which you can choose depending on your specific situation.

In the business practice quite often there are situations when one company is required to pay the liabilities of another. This possibility is provided by article 313 of the Civil code of the Russian Federation. To pay for the third person was recognized by all parties to the transaction, it is necessary to properly execute.

Modern business world does not tolerate delay in price efficiency. But in order to transfer money, you need to go to the Bank and stand there in long queues, it is pointless wasting your precious time. The real solution to this problem steel payment terminals, which can be found at every step.

When using cashless payments system may be situations when the money is sent to the wrong recipient. If this happens to you, don't worry, because you will be able to return the transferred amount.

Torn bills are often not accepted in big stores, also them you can not pay for any services through the terminal or ATM.Therefore, if you have in your wallet appeared torn bill, try to get rid of it as soon as possible.

Not rarely it happens that a receipt isobtained for an administrative offence is hastily abandoned in the car glove box or on the bottom of the drawer in the nightstand. Time passes and it is either thrown or simply lost in the pile of papers. But the penalty still must be paid, come what may.

The easiest way to find out the amount of payment for city phone - wait for the next account. However, there are situations when you wish to pay your current debt before he came or did not live at the address to which bills are delivered. Opportunities to obtain this information vary from town. Most of this is just a call or a visit to a phoneing company.

One of the indicators of financial stability is the presence in the structure of the balance sheetand working capital. To determine their financial statements, it is possible to apply different methods of calculation.

The easiest way, if you are interested in the room account, which is tied to a savings account. It is listed on the title (first one after the cover page of this document. In other cases, you can see it in the system "Sberbank Online", prompt at the call center or from the teller at the Bank branch where you opened the account.

Many people don't have the faintest idea how to distinguish the real bills from the fake. And sometimes people ask this question too late. In principle, to distinguish fake money from real, will be very easy if you know all the protective elements of a genuine banknote. Consider a 1000-ruble note, how to do it.

The calculations in the form of cash held by individuals and legal entities in many different ways – through submitting of the payment document to the Bank using Internet banking or the system "Client-Bank". In any of these cases, you may need to cancel a payment, for example, to correct wrongly specified details or incorrect enrollment.

Facial account implies the opening of a Bank account of physical person, an organization or individual entrepreneur to exercise various settlement transactions.

Even the most ardent opponent of globalization would agree that one advantage in this process. The emergence and development of transnational banks makes it possible for almost instant transfer of money to relatives and friends in other countries on distant continents.Only 15 minutes in the Bank - and the correct amount went abroad. Forget about the old ways to transfer money at your own risk through the familiar and unfamiliar people. Now you do not need to do the "stash" hidden in the bottoms of packages and parcels. It offers the possibility of a civilized transfer of money to other countries through large banks with a strong reputation.

In carrying out the economic activities of some leaders face such situations, when the calculated account erroneously transferred funds. This can happen for a number of reasons: incorrectly entered the details, suddenly turned to the Bank of the payer, etc. Whatever the reason, you can return the funds to your Bank account.

Cash book is required to conduct a document reflecting all cash transactions passing through the cash Desk of the organization. Is only one cash book in organisation, it must be numbered, stitched and sealed with the seal. The number of sheets in the book shall be signed by the supervisor and the accountant. Used for one accounting year, after starting a new cash book.