Advice 1: How to open an account in Sberbank

Facial account implies the opening of a Bank account of physical person, an organization or individual entrepreneur to exercise various settlement transactions.
How to open an account in Sberbank
You will need
  • - passport of the Russian Federation.
Instruction
1
Go to the nearest unit of Sberbank. Bring a document proving your identity (passport). If you are a citizen of the Russian Federation, a single document will be enough to open an account. In turn, foreigners will need to present their passport and a second document confirming their right of stay in Russia.
2
Refer to the employee of the savings Bank, who works in the Department of Deposit operations for opening a Bank account. At the same time try to tell a specialist about how you want to use in the future your personal account (the currency in which it is necessary to open a current account, as well as what types of operations you intend to produce cash by using a personal account).
3
Provide specialist Sberbank original passport. You will need it for registration of the contract on opening the account that will be created in two copies. In this case please note that on your copy of this agreement must contain the seal of the savings Bank. It is possible that an employee of the Department when opening Bank accounts you will be asked to leave the special card your signature. It is necessary to identify it. Indeed, in this case, all the documents signed by you in the savings Bankin the future will have to contain the exact same signature as in the sample.
4
Read the contract carefully. Then, if you have any additional questions, labeled. If there are questions, please ask the employee of the savings Bank to you explained everything. Then you can put your own money into your newly opened account for safekeeping. To do this go to the operating cash with the agreement to open a account, passport and the necessary amount of money. In some branches of Sberbank, the staff of the Deposit Department can decide to give the cashier all the necessary documents and you will only need to come up with the money in the cash Department.

Advice 2: How to open a checking account

A personal account is an account that is opened in a commercial Bank natural person, individual entrepreneur or organization to carry out calculations. The business entity may open several accounts.
How to open a checking account
Instruction
1
In order to open an account, an individual should contact the Bank with your passport and INN. In some banks the original last is not required, it is enough to call the number if you it has. In addition, to open an account you need a certain amount of money.
2
Next you need to explain to the operator, the purposes for which an invoice is required. For the implementation of the income and expense transactions, you will open a current account or a Deposit "on demand". They allow unlimited use account at any time to make contributions and to withdraw money.
3
After you have selected the required account, the Bank representative will prepare a contract stating the terms of service. In this case read it carefully, check the correctness of your personal data, and only then sign. It is necessary that the signature match the signature in the passport. In addition, for all subsequent debit transactions it will compare to your established pattern.
4
To open the personal Bank account of an individual entrepreneur, you need to submit the following documents: the passport, the certificate on registration as the individual businessman and about statement on the tax account. In addition, you must write an application, fill in the card with specimens of signature and seal, to assure it at the notary or the representative of the Bank, as well as to provide patents or licenses, if required by the activities. The above documents, the Bank checks within 1-5 days and opens an account.
5
To open a personal account legal entity it is necessary to collect more documents than the entrepreneur. In addition to the certificates of state registration and tax registration, the enterprise should submit a copy of the Charter, articles of incorporation, documents of appointment to the post of head, chief accountant, copies of their passports. In addition, you should get a card with samples of signatures and an impress of a seal, and an extract from the register of legal entities.

Advice 3: How to open a foreign currency account in the savings Bank

In an unstable economy currency account will be one of the guarantors of financial independence. In addition, you will be able to make any purchases in a foreign currency, receive money from other companies, and also to protect their savings. To embed your savings it is safest to choose a savings Bank.
How to open a foreign currency account in the savings Bank
You will need
  • - passport;
  • - constituent documents (for legal entities);
  • - money.
Instruction
1
Visit the nearest branch of Sberbank. With them, you need to have a passport. The Bank offers to write an application for opening foreign currency account. To date, the optimal choice for individuals is to contribute to "Universal savings Bank of Russia". To open it you have to Deposit minimum amount of 10 Euro or 5 USD (or the equivalent in another foreign currency). Now you can enjoy the expense ofom, in effecting any payment transaction. On the balance of funds will be charged a percentage agreed between the parties.
2
In order to make purchases abroad or on foreign websites in a foreign currency, you can open the currency card. The available options are Visa Classic or Mastercard Standard. The cost of the first year of service 750 roubles, each subsequent year - 450 rubles. Convenience currency cards is that you can manage your savings anywhere in the world where data are serviced plastic cards. In addition, you can easily make online purchases on foreign websites.
3
If you represent a legal entity, to open a foreign currency accountin the savings Bank you will need to provide the following documents:
1.Application for opening account;
2.Notarized copies of constituent documents;
3.The certificate on the state registration;
4.A photocopy of a document confirming the inclusion of legal persons in EGRPO.
On the basis of these documents in the savings Bank will create a card with the stamp and signature of the Director and chief accountant of the company, and then open the currency account.
4
Foreign currency accountopened in Sberbank a natural person, is accompanied by a transit currency accountof om. Last you can use to receive payments from other individuals and companies. Specify the details for the transfer of the money in this account.

Advice 4: How to open an account in Sberbank of Russia

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.
How to open an account in Sberbank of Russia
You will need
  • Passport
Instruction
1
First of all you must decide for yourself what kind of Bank account you want to open. There are three main types of accounts. Current account is provided for the storage of funds and for financial transactions. Deposit account – for interest on deposits. And card account opened to conduct financial calculations with use of plastic cards.
2
For citizens of the Russian Federation in circulation in the savings Bank it will be enough to have a passport. Foreigners should present their passport and a document confirming the right of stay on the territory of Russia.
3
Go to the nearest branch of the savings Bank at the place of your residence. Refer to the employee of Department of Deposit operations with a question regarding opening a Bank account.
4
Educate the specialist about the currency in which you want to open an account and what transactions are going to cash. The Bank clerk will recommend suitable for you type of account and explain the benefits and talk about other types of Bank accounts that can be opened in this branch of Sberbank.
5
Having defined the kind of Bank account, give the Bank officer the original passport, which is required for registration of the Deposit agreement to be drawn up in two copies. Please note that your copy of the contract is required to present a round seal of the Bank.
6
It is possible that the Deposit Department employee will ask you to fill out a signature card in a special card. In the future, all of your signatures on the Bank documents will have to conform to this pattern.
7
After the contract is concluded, can transmit to the Bank for safekeeping your money. The receipt of money are done by the cash Department. To do this, go to the cash booth and tell the Bank employee contract, passport and money. In many branches of Sberbank, the staff of the Deposit give to the cashier all of these documents, and you will just have to come in the cash Department money.
8
After receiving the money and their conversion you will return your copy of the contract executed passbook, passport, and cash receipt order. In addition, you will issue a plastic debit card for the Deposit. Card you will be able to get through two weeks after opening the account in the savings Bank.

Advice 5: How to share financial account

In some cases, families may be a dispute over the division of payment for utilities. If a peaceful solution cannot come, the Housing code provides for the possibility of separating the financing account. Before you begin this procedure, you should read the basic terms section.
How to share financial account
You will need
  • - certificate confirming income of the applicant;
  • - extract from home books;
  • - plan of the apartment of BTI, indicating areas of rooms;
  • - copy of financial personal account;
  • - passport of the applicant.
Instruction
1
Analyze the financial conditions section of the front accounts of the apartment. They put forward not only to the living area, but also to family members. A separate account can only be opened for an adult and capable citizen of the Russian Federation, which was and is lived in the apartment and is a member of the family. Section of the account occurs only in isolated rooms, which have a width of 2 m and the only entrance. Also the window should not enter the yard with a size of 5x5 metres away and opposite the building must be more than 3 m
2
Get written consent from all family members on the division's financial-obverse account. Then you can collect the rest of the documents. It relates to: certificate confirming income of the applicant; an extract from the home of the book; the plan of the apartment of BTI, indicating areas of rooms; a copy of the financial-obverse account; the passport of the applicant. Write a statement in the prescribed form which can be obtained in the office of the Department of housing policy and housing Fund of the Russian Federation in your County.
3
Submit your application and documents to Ujpest of the Russian Federation (Department of housing policy and housing Fund of the Russian Federation). Wait for a decision on your request. Sign a new contract of employment and will receive a separate financial-obverse account. In practice, to obtain agreement on the partition of accounts is quite difficult, so the question has to solve in a judicial order.
4
Please see the statement of claim to the court for in financial-obverse account. If family members refused to amend the established order in the apartment, the lawsuit is filed for compulsory partition. In this case, each family member will receive an equal share of the account. Otherwise, a defendant in the suit is Ujpest of the Russian Federation. It is necessary to submit to the court the same documents, which ruptured in a housing body. Section account is made on the basis of a judicial decision.

Advice 6: How to divide the personal account through the court

For stays, for example, in one apartment, there may be disputes on payment of utilities. Solution in this case will be the opening of separate accounts and the modification of the contract of employment. However, in case of disagreement of one of the family members, the dispute will have to decide in court.
How to divide the personal account through the court
You will need
  • - current and financial account;
  • - extract from the house register;
  • - the plan of BTI with the indication of the area and sizes of rooms;
  • - certificate of income of the person who opened the account.
Instruction
1
Find out whether you have the right to demand the separation of the personal account. The fact that it is necessary to fulfill a number of conditions, which belong to the living area and family members. A separate account can only be issued to a citizen who was in the apartment, constantly live in it, is of legal age and has sufficient earnings to repay utility bills. The apartment should be a separate room in which to accommodate a person receiving a separate bill that has a width of more than 2 m. More details about the requirements can be found in the office of Department of housing policy and housing.
2
Discuss the separation of account with other family members living in the apartment. Get written consent from anyone who is not against this procedure.
3
Gather the documents that will be needed to open separate accounts. It consists of a copy of the current financial account, an extract from the house register, a plan of BTI with the indication of the area and sizes of rooms, as well as income of the person who opened the account. Write a statement on the separation of account.
4
Submit all documents to the Department Wjeif your area. If you will not be permitted in the design of new personal accounts, you will receive a written rationale for that decision. If it is due to the fact that no consent was obtained on the separation of account of all members of the family, a controversial issue is solved by filing a claim in court. In this case, the defendant may be the Department Wjeif and your family member. Pay the state fee.
5
Will receive the court decision on the separation of account. Provide a copy to Wjeif your area and receive a modified contract of employment, which will include new details for payment of utility bills.
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