Advice 1: How to Deposit money into Bank account

Individuals and legal entities can hold cash in a Bank branch, you can just go to RAaccounts account. There are several ways to refill, but if individuals can transfer funds without specifying the source of their appearance, to business much more complicated.
How to Deposit money into Bank account
You will need
  • - passport;
  • - a plastic card;
  • - the funds.
Instruction
1
If you are a natural person and has a plastic Bank card, put the money through ATM. To do this, locate the merchant device that accepts cash. Insert the card into the cell, enter the security code and click on "Deposit cash". Then insert the specified amount into the bill acceptor. Be sure to keep the receipt to confirm the receipt of money for RAcounting account.
2
Put money on account via teller. Please contact the service of the Bank. If you currently have a passport, a contract or a plastic card. Be sure to save the receipt issued by the cashier.
3
To transfer money into the account from another card through the Internet. It's enough to have access to Internet banking and the account number of a plastic card.
4
You also have the ability to replenish the account with another credit card using an ATM. To do this, insert the card into the cell, enter the security code and click "Transfer funds". Then enter the card number, the amount and hit "Translate".
5
If you have a passbook, a Deposit in that Bank in which you signed the contract. To do this, you must provide a passbook to the teller in which he will make a note of the making of the claimed amount.
6
If you are a legal entity, pay in money, turning to the teller. Be sure to name the source of the funds. For example, if you make a accountable amount, say so.
7
When you make of cash received due to sale, in the order indicated this source. If you do not follow the correctness of registration of memorial warrants for the payment of the amounts, you can "bump" on the penalty for incorrect maintenance of cash discipline. In addition, the tax authorities may assess additional for the amount of the profit tax and a fine for MIS-reporting.

Advice 2: How to transfer money to the account

To transfer money to RAaccounts account often use the classic way: contact for this branch of his Bank. When you visit, you provide the necessary information on the basis of which the credit institution will debit your account the money and send it to the recipient. For this purpose, the account balance should not be less than the transfer amount and Commission fee of Bank, if available.
How to transfer money to the account
You will need
  • - details of the payee;
  • - passport;
  • - a sufficient account balance.
Instruction
1
If you have your account to enable the transfer and Commission of the Bank balance, contact the credit institution where it is open. Depending on the Bank at the same branch, which is registered your account, or anytime soon. Inform the operator about the desire to make a Bank transfer.To comply with your request, the teller of the Bank will need the account number and the Bank details of the payee. If the recipient is you, the account number must know yourself. If another person, he should send this information to you.The representative will also want to see your passport. But if you make a transfer from your account, which is tied to a plastic card, then most likely her.
2
You may offer yourself to complete the necessary documents. Although in most cases it is enough to announce the name of the payee, his account number and Bank details (often the minimum set: Bank name and BIC, but it is better to have full details) and the amount transferred. Everything else is the responsibility of the operator.If the Bank charges for this service Commission, the operator needs to warn and to sound its size. Make a decision on the situation: are you satisfied with it or preferred another option.
3
As the availability operator will offer you to sign the generated document on the basis of which will be the write-off of money. Read it carefully, compare it with the printout of the details. If not found error, sign the document and give it to teller.Will receive a document confirming the payment with the Bank. It you are required to give.

Advice 3: How to transfer money on Bank account

To make a transfer to account in Bank, you can with any account. The easiest and most convenient way to do this using the online client if he is connected to your account. The operation is not particularly difficult, as long as the balance on your accounte, which will be debited, covered the transfer amount and the Commission of the Bank.
How to transfer money on Bank account
You will need
  • money.
  • - details of the recipient;
  • - computer with Internet access;
  • Bank account connected with an Internet client.
Instruction
1
The first thing you need to make a Bank transfer - details of the payee. You can transfer money to your account in the same or another Bank , or for the account of another person or organization. But in any case, the organization through which you make payment will be required, the name or title of the recipient, the number of the accountand certain information about the Bank (at least the name and BIC, and when transferring money abroad - the IDs of the Bank of the recipient for international transfers).Room expenseand you must inform the recipient. If the recipient is yourself, learn it in the Bankwhere you're going to do the translation. Details of any credit institution for transfers within the country and from abroad can be found on its official website.
2
If you have a Bank account connected with an Internet client, the easiest way to make a payment without leaving your computer.
Select system interface select "payments & Transfers" (or otherwise close in meaning. Enter in the opened form with all necessary information: the number of the accountand Bank details, transfer amount, purpose of payment. Details and room expenseand it is better to copy from the source in electronic form: the Bank's website, from the letter of the recipient or the provided file with a number accountand from the Internet client your accountand that transfer, if any.
3
Give the system a command for making a payment. Pass additional identification when prompted: enter in the appropriate field of your password, payment password, a variable code from a scratch card or other identifier provided for the purpose by the Bank.
Note
At the slightest error in the data of the recipient, the account number or the account number the money will not be credited to the beneficiary's account, and after some time returned to you. The Bank transfer fee are not refundable.
If you make a Deposit of a natural person, payment can only be non-commercial: transfer of own funds, gift, financial assistance, etc.
Useful advice
Many banks when transferring to accounts of individuals require a INN of the recipient. In this case check with the payee.

Advice 4: How to open settlement account in Sberbank

RAaccountth account in the savings Bank can be opened in any branch in any city of Russia. Private persons most often reveal deposits for the purpose of listing the various payments from the employer or the state. This procedure is quite quick and only requires one to personally contact the Bank to sign the contract.
How to open settlement account in Sberbank
You will need
  • - passport;
  • - the amount of the first installment:
  • for Deposit in rubles — 10 rubles.;
  • for a Deposit in U.S. dollars — $5;
  • for payments in euros — €5;
  • for payments in other currencies — the equivalent of $5 US.
Instruction
1
Select a branch of Sberbank, convenient for the working schedule, proximity to home, availability of electronic queue, ATMs, etc.
2
Please contact the appropriate division of the savings Bank during working hours. The consultant will Express the desire to open RAaccounts account name purpose for which you intend to do (receiving wages, the long-term Deposit account in the name of the child). The operator on the basis of the information obtained, will recommend the appropriate banking service. Most often, an individual account is opened under a long-term Deposit "Universal" with the ability to perform debit transactions. The Commission is equal to zero, even accrue interest is 0.01% per annum.
3
Read and sign the provided by the Bank the contract on opening the account. Tell the operator the completed documents together with your passport.
4
To complete the account opening procedure, it is necessary to make a minimum contribution depending on the selected currency (10 p, $5 or €5). You can make a large amount, if there is a need for this. The minimum additional contribution by the Bank is not limited. Money will be the operator immediately. Documents and savings accounts (and credit card if you selected the account), you immediately get together with the receipt on reception of money.
5
When receiving a savings account the teller will also give you details of the branch and your account. Account number for making cash transactions (accruals, transfers) must be as specified on the cover page of the passbook, and in agreement with the Bank.
Useful advice
You can issue a power of attorney to another person to dispose of his current account and make a testamentary disposition. The latter is written as in the structural division of the savings Bank in which the account is opened, and the notary.

You can open an account in the savings Bank in the name of another person. To make a contribution in any currency in favor of a third party, you must present your passport and provide details of the person in whose name you are opening an account: name, surname, patronymic, date of birth, residence, citizenship, requisites of the document proving the identity.

Advice 5: How to open Bank account for LLC

For the realization of the legitimate activities of OOO , you need to open the RAaccounts account right after the registration with the tax authority. Seriously you need to approach the choice of the Bank, preparation of documents and drafting the contract with the Bank.
How to open Bank account for LLC
You will need
  • consultant on banking services
  • - full package of necessary documents
  • - cash to pay for the cost of Bank services
Instruction
1
Current account is a Bank account for a legal entity (in this case LLC), which key functions is the storage of cash, non-cash other legal and physical persons. When opened, it is assigned a unique number, which should be reflected in all relevant documents.
2
Financial activities account is of great importance:
- greatly simplifies the process of settlements with suppliers and customers;
- ensures the safety of storage and movement of cash;
- according to the law, the account refers to "call deposits".
In accordance with the rules of the Bank, at the end of the reporting period, the balance of funds should be charged a certain percentage.
3
In order to open an account, you must submit to the Bank the following documents:
- application for opening an account (application form gives the Bank);
- constituent documents and the certificate on the state registration of the LLC (a copy of the organization's Charter and articles of incorporation, registration certificate and the information certificate of incorporation, the certificate on statement on the account in inspection FNS the Russian Federation;
- specimens of the signatures of the Director and chief accountant;
- documents on the appointment to the post of Director and chief accountant;
- seal.
All copies of documents must be notarized. In the future, the Bank will execute the payment order only if the provided signature and seal, an impression of which was provided.
4
When submitting the full package of documents to the Bank, between the Bank and the agreement for account maintenance, where you must specify a unique invoice number, date of conclusion of the contract and its entry into force and described in detail in terms of banking services and their cost.
5
The choice of Bank for opening a Bank account - a very serious matter, it should be approached with the utmost seriousness. The main points when choosing a Bank, you should pay attention:
- the location of the head office and branches of the Bank, distance from your office. Indeed, in further accounting will have to take back the documents and payment orders;
- the cost of banking services (monthly account maintenance fee for payments and cash withdrawals, the collector service);
- the rating of the Bank and its reputation.
You need to compare the above parameters in multiple banks, to consult with knowledgeable people and read reviews about the banks. Only be used after weighing it should make the decision and sign a contract.
Note
Possibility of remote work with the Bank(the "Bank-client" and Vice versa) will greatly simplify your financial activities, and in case of need of urgent money transfers will be simply irreplaceable.
Useful advice
Before signing the contract with the Bank should take him to a lawyer, in case you missed or did not notice something important.

Advice 6: How to put money on the book

To keep money at home under the pillow is not only dangerous but not profitable. A Deposit in a savings Bank will help you not only to protect the funds from fraud, but also to profit as percent from the sum.
How to put money on the book
Instruction
1
To put money on a book, you first need to sign her in. Please contact the district office of the savings Bank. With a sure to bring a valid passport.
2
In the savings Bank, locate the window that says "Operations on deposits". The employee of this Department you need to design books.
3
Give the window a passport and tell me what contribution you wish to make. The list of their possible to know in advance on the official website of Sberbank www.sbrf.ru. Get comprehensive information from employees of the Bank and of the booklets located at the information desks.
4
Further, the controller of the Bank will prepare a contract for the provision of services for deposits. Please read them and sign your name. One copy remains in the archives of a financial institution, the other you have on hand.
5
Then will be opened a personal account and feature savings book. The minimum amount for registration of the Deposit - 10 rubles.
6
Put the money into the account in cash Desk of Sberbank. Pre-employee, designed the book, will give you a token number. Give it to the cashier and tell me how much you want to make.
7
Count the right amount of money and give them to the Bank employee. He will prepare credit and debit order (check) stating the amount of the contribution. For them are made all payment and cash operations. You must sign this document. Check passport information legibly and sign. Subsequently, these warrants can be used for identification. Any discrepancy can lead to problems with receipt of funds from the Deposit.
8
Remember that to withdraw or Deposit money you can only the Department that issued the book. To do this, simply contact the box office by presenting a valid passport.

Advice 7: How to open a Bank account to a physical person

RAaccounttion expense necessary physical person in order to save money or increase income through the accrual of interest. The owner always is sure of security of their savings at any time and can withdraw or transfer the desired amount without any problems.
How to open a Bank account to a physical person
Instruction
1
Study the offers of different banks by opening a Bank account. For this you can visit the website of the credit organization on the Internet, go to the Bank branch or call the help Desk. Compare all the obtained information, determine Bank charges for account maintenance, check whether the connectivity of Internet banking, find out what services you will provide the Bank.
2
Also, determine the number of Bank branches and ATMs in your city. Read the opinions and reviews about the Bank in various media, on forums on the Internet or in the ratings. Analyze all information received and make a selection.
3
Collect the documents required for opening current account. Write a letter to the Bank, make a copy of a passport and attest it with his signature. If you are self-employed or are an entrepreneur, make notarized copies of relevant certificates and references.
4
Visit Bank branch during working hours. Contact your Bank Manager and inform about the desire to access RAaccounts account. Some banks will need to fill out a form where you specify some information about yourself. The Manager will tell you about all the packages for current accounts offered by the Bank and will help you to choose the best. Sometimes to open an account you will need to make the first payment.accounts account, or to pay the Bank's Commission.
5
Wait for opening a current account. Usually, this happens on the day of application. Get agreement on the opening of a Bank account with the indication of tariffs and conditions. If the Bank allows clients to use remote account management, you will receive the keys to access the telephone banking or Internet banking. Consult on issues of change and recover passwords.

Advice 8: How to put money on the account

Currently, the account is not only legal entities but also individuals. Bills start in the Bank, and there are several ways to fill them. The funds are kept in savings books, plastic cards, which are carriers of information about the account holder.
How to put money on the account
You will need
  • the identity document, Bank card, passbook, pen, ATM, cash
Instruction
1
If you need to replenish the account on a plastic card, find it in your town ATM, which belongs to the Bank in which you opened the card. Insert the cell of your card, enter your pin code, hand covering his. Click cash. Write the amount of cash which you desire to increase your balance. Confirm the operation, insert money into the bill acceptor. Get a receipt as a confirmation of the input amount, save it up until your account is replenished in cash.
2
On the plastic card to Deposit money through the branch or Central office of the Bank where she works. For this you need to contact a Bank employee request your account. Please submit a document proving the identity, the employee of the Bank, account number and card number, tell me what amount you want to increase your balance. Give money to the cashier, who will write you a receipt. On it you will need to sign.
3
The account can be replenished in the savings Bank and plastic card, sign up for the service online banking. For this you need to go to the main website of the Bank which opened the account, choose the Internet service. Entering the required data on your mobile phone will receive an SMS with a code, which is printed in the right field, the support operator will contact you and tell you how to identified. Once connected, you can Fund the account from home.
4
Deposit funds on the plastic card is possible through transfer of funds from one card to another. To do this, in the ATM select menu, money transfer, entered the card number that you wish to increase your balance by inserting your card and entering the pin code. Write the amount of money, confirm the transaction and obtain a receipt.

Advice 9: How to withdraw money from the account of OOO

Almost each legal entity has a Bank account or even more. The financial activities of any OOO field affects the movement of funds from account to account. Also from the account it is necessary to periodically remove the money for different needs (wages, business expenses, cash payments to suppliers, etc.). How to properly arrange and carry out withdrawals from the account?
How to withdraw money from the account of OOO
You will need
  • - passport;
  • - check from the checkbook.
Instruction
1
Will receive from the responsible Manager the task of a withdrawal from the account. Involves scoring the required amount, purpose of withdrawal and the deadlines by which you must cash out the money.
2
Call the Bank that handles your checking account, and make withdrawals from the account. Each Bank has its own rules cash withdrawals from the account, so in accordance with these rules make a call within the specified time. For example, 2 days before withdrawal, so if you require the instructions of the Bank.
3
Fill out the check. Remember that checks checkbook are strict reporting forms. Their filling is governed by the laws and rules for filling in each field is very strict. Every spoiled receipt should be properly drawn and deposited in the archives of the enterprise. To obtain cash when making checkbook the head of the company submits to the Bank a document showing the employees of OOOwith the right to withdraw money from the account. So before you work on filling out your check, be sure that you are included in the list of entities from this document.
4
On the appointed day come to the Bank and give a check with your passport to the teller. The Bank employee will check the correctness of the cheque and make sure that you have the right to remove money from the account.
5
Get a receipt with a note the teller and refer to the cashier. Give the check and get moneyaccording to the stated sum.
Note
Remember that incorrect filling of the check will lead to the failure of the Bank to give you cash from the account of OOO. So if possible, podstrahuet - bring at least one signed by the Director and stamped with the seal blank to have the opportunity to correct the error directly in the Bank.
Useful advice
If you have little experience in filling out a check or are you doing it for the first time are requested to visit the Bank and take samples of filling.

Advice 10: How to transfer money on the passbook

Each passbook regular fixed account, the same as for most banking products. The procedure for its replenishment by direct transfer from another account has no significant features. When translated to him, and any account opened in Sberbank of Russia, in the details be sure to specify the number of the office in which he was open.
How to transfer money on the passbook
You will need
  • - surname, name and patronymic of the receiver;
  • - account number of the recipient;
  • - details of the branch of the savings Bank;
  • account with sufficient balance.
Instruction
1
Take the owner of the passbook transfer details. If your request causes a difficulty, advise to take the details in the branch Bank where you open his savings account. The number of accounts specified in this document. Check also the surname, name, patronymic of the recipient and it was.
2
If you make a payment through Internet banking or "Bank-client", enter the recipient's details in their intended field, enter the amount and purpose of payment and give the command for processing the entered information. If sufficient balance of the money will be debited from your account and soon (one to three banking days) will arrive on the settlement account of the recipient.
3
You can make a transfer from your account at the BEACbookby contacting the Bank in person. Show the teller your passport, give him details, report name, name, patronymic and, if necessary, the INN of the recipient, amount and purpose of payment and sign the proposed paper.

Advice 11: How to open a current account for legal entity

Current account is the main financial instrument of the legal entity used for cash flow management. It is required to make payments to partners, tax, transfer of salary, depositing of revenue, cash withdrawals and other transactions related to the implementation of the organization's activities. Generally, the settlement account is opened immediately after the state registration of the enterprise.
How to open a current account for legal entity
You will need
  • - the Charter;
  • - the constituent contract;
  • - minutes of the meeting of founders or resolution of the sole member on establishment of the enterprise;
  • - certificate of registration of the legal entity in the Unified state register (OGRN);
  • - the certificate on registration as the tax bearer (INN);
  • - a letter from Rosstat, the codes of the statistical accounting;
  • - certificate of incorporation;
  • card with samples of signatures and seal;
  • documents on appointment of persons indicated in card with sample signatures;
  • - copies of passports of the persons indicated in card with sample signatures;
  • - application forms, contracts, questionnaires.
Instruction
1
Current account can be opened in any Bank or in several if necessary. Anyway, for starters, rate the banks on a number of parameters and based on them select the most suitable for you.
2
Consider options for service in different banks, focusing on the following criteria:

- tariffs for account opening, cash management services, working in the system "Client-Bank";
- proximity of the Bank office;
- comprehensive service organization (salary project, preferential lending to employees);
- the term loans granted to legal entities in the Bank, including in overdraft regime (making payments in excess of account balances).
3
Will get the Federal tax service Inspectorate at the place of registration of the company extract from the Unified state register of legal entities. Prepare copies of the minutes of the founders meeting or decision of the sole member on establishment of the enterprise, decisions or orders on appointment of persons who have the right to control the settlement account and disposition of funds (Director, chief accountant, their deputies or, for example, agents), copies of their passports. Assure copies of signature and seal of the head of the organization.
4
Assure at the notary copies of the following documents:

- the Charter;
- the constituent contract;
- certificate of registration of the legal entity in the Unified state register (OGRN);
- the certificate on registration as the tax bearer (INN);
- a letter from Rosstat the codes of statistics.
5
Required document for opening an account – a card with samples of signatures and seal. You can make it yourself by downloading the form of reference frameworks, notarize and provide to the Bank. But you can do otherwise: the persons indicated in the card should come with passports in the Bank and leave samples of their signatures in the presence of the employee of a legal entity or operating division, which they will certify.
6
Request the Bank a set of documents, based on which offers the account:

- application for opening of account;
- the Bank account agreement;
- client form.

Fill them by hand or in electronic form, insert the signature of the head, the chief accountant and the seal of the enterprise.
7
With ready set of documents refer to legal or operations Department of the Bank where you open a checking account. Depending on the policy of the credit institution, the account you can access either immediately or within several days.
8
On receiving the notification about opening Bank account, don't forget to notify the Inspectorate of the Federal tax service, Pension Fund and social insurance Fund 7-day period. His badge, faces significant penalties from each of the listed state agencies.

Advice 12: How to transfer money to the owner

Translate money in the savings account can be any account in Sberbank of Russia or any other credit institution. This requires only the account number assigned to the owner, and details of the branch of Sberbank, where he opened. A key role is played by the number of the outlet, and the remaining details are usually the same for the entire region or large city. To make a Bank transfer via Internet banking or via teller.
How to transfer money to the owner
You will need
  • - the account number which is tied to a savings account;
  • - details of the branch of Sberbank of Russia, which opened the savings account;
  • - the account balance to cover the transfer amount and the fee for Bank services, if available.
Instruction
1
Log in to online banking credit institution from the account where you want to do the translation.
2
Select the option transfer to a third-party Bank. If you use Internet banking of Sberbank of Russia need the option to transfer to another customer of the savings Bank, if you transfer money to another Bank account or between your own accounts, if on their own.
3
Specify the transfer amount and, if not fill up your passbook, surname, name and patronymic of the beneficiary for transfers within Sberbank
4
Enter the details of the right branch of the savings Bank, if you transfer from another credit institution. In the Bank's name must indicate the number of branches that is open to replenish your savings account. From other fields often enough to populate only the BIC. But just in case, keep the full data and, if necessary, fill in all the fields. The field for the purpose of payment fill in at their discretion depending on the situation. Try not to specify commercial purpose. The best option is to write that transfer their own funds.
5
Ask for help from the teller of his Bank, if for some reason can't or don't want to use Internet banking. Tell him about wanting to make a Bank transfer, transfer amount and transfer details, account number and surname, name and patronymic of the recipient.
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