Raiffeisen Bank operates on Russian market since 1996. During this time, he managed to prove himself as a reliable supplier banking services. And favorable service conditions further attract not only individuals, but also small businesses. Depending on the size of the company, revenue turnover and volume of operations, an entrepreneur or organization can apply to Raiffeisenbank under one of 4 tariff plans. But first it is worth studying all the conditions of cash settlement services (CSS) in this institution.
The need to open a current account in a reliable bank
Small business representatives sooner or later face the need to open a current account (for legal entities This procedure is completely mandatory, while individual entrepreneurs open a bank account at will - it all depends on the specifics of the business). - a difficult task for many businessmen. It is worth stopping at large banks that have proven themselves with positive side and having high level reliability.
What are the risks of opening an account in a new, unverified, unreliable bank? For example, hidden commissions that no one will warn you about in advance. If the bank suddenly goes bankrupt or loses its license, then you can completely lose your savings in your accounts. Therefore, first of all, it is the reliability that needs to be assessed. financial institution. Raiffeisenbank is one of these. This bank has different tariff lines, discounts and promotions for customers, a wide range of services, convenient mobile and Internet banking.
Advantages of cash settlement services at Raiffeisenbank
Many business representatives open a current account with Raiffeisenbank due to the many advantages:
- comprehensive provision services (not only standard cash settlement services, but also favorable conditions for deposits and lending);
- a variety of corporate cards and favorable conditions for their service;
- free account opening;
- a large selection of tariffs (and the grids differ for large cities and other regions);
- the ability to reserve an account in 5 minutes and receive details immediately;
- a full range of remote banking services (SMS information, mobile bank Raiffeisen Business, Internet bank RBO, service bank-client ELBRUS);
- availability of active discounts and promotions, additional bonuses (money for advertising, gift certificates for accounting services And so on).
Conditions for opening a current account with Raiffeisenbank
To connect to settlement and cash services at Raiffeisenbank, an entrepreneur or organization must:
- Study the bank's tariff schedule in detail. For beginning businessmen, opening an account under the “Start” or “Basic” plan will be quite enough. Larger entrepreneurs may benefit from other tariffs.
- Leave a request to open an account. You can do this directly on our website by ordering a call back from a specialist.
- Wait for a call from a bank employee. He can ask additional questions and give advice.
- If the client agrees, an account is reserved for him (details are sent that can be transferred to partners and contractors immediately for payment transactions).
- Arrange a meeting with a bank specialist.
Afterwards, all that remains is to prepare the required package of documents and hand them over to the manager during the visit.
Required documents
To open a current account with Raiffeisenbank, both an individual entrepreneur and an LLC need to provide a certain package of documents. The list of them will be slightly different, including due to differences in registration and business conduct.
For individual entrepreneurs
To open a current account with Raiffeisenbank, an individual entrepreneur must provide following documents:
- an application to open an account (must be endorsed by the entrepreneur’s signature, only if it is available);
- identification of the individual entrepreneur himself and his authorized persons (for Russians, a passport and registration information is sufficient; for foreigners, additional papers are required that would confirm the fact of their legal presence on the territory of the Russian Federation, for example, a residence permit, migration card or visa);
- card with sample signatures (if more than two people have the right to sign payment documents, an additional application in two copies will be required);
- confirming the right to conduct activities, if the type of chosen business requires it (for example, licenses, permits, patents, certificates).
If the interests of the individual entrepreneur are represented by a trustee, then he must provide the bank with a notarized power of attorney. Additionally, other documents may be requested when opening a current account by a private entrepreneur (extract from the Unified State Register of Individual Entrepreneurs, certificate of registration with Rosstat, etc.).
For LLC
For legal entities, an expanded package of documents is provided that are required to open a current account with Raiffeisenbank. This includes:
- application on the bank form to open an account;
- Articles of association;
- identity documents of all persons authorized to sign settlement papers (original passports or notarized copies);
- card with sample signatures and seal imprint (+ additional statement if more than 2 people have the right to sign);
- papers indicating the presence of powers of the president, general director or other sole executive body (can be specified in the charter, minutes of the meeting/meeting and other documents);
- documents confirming the authority of persons from the CoP (orders or administrative acts on appointment to a position, powers of attorney);
- list of LLC participants or an extract from it;
- licenses and other permits, if they are necessary to conduct the organization’s activities.
The Bank reserves the right to request additional documents (extract from the Unified State Register of Legal Entities, certificate of registration with Rosstat and others).
RKO tariffs Raiffeisen
For small businesses, Raiffeisenbank has developed a product line for servicing cash settlement services consisting of 4 tariffs - “Start”, “Basic”, “Optimum” and “Maximum”. They all imply the presence the following services included in the price:
- opening an account;
- Internet banking access;
- issuance of Business 24/7 cards “Basic” and “Optimal”;
- transfer of wages and other payments according to the statement.
The basic terms of service at the available tariffs look like this:
| Start | Base | Optimum | Maximum | |
| Monthly service cost (Moscow, Moscow Region, St. Petersburg) | 990 rubles | 1,900 rubles | 2,900 rubles | 7,500 rubles |
| Cost of monthly service in other cities | 790 rubles | 1,490 rubles | 2,490 rubles | 6,500 rubles |
| How much can you transfer to individuals without commission per month? | 100,000 rubles | 200,000 rubles | 500,000 rubles | 700,000 rubles |
| Number of free payment orders per month | – | 10 | 60 | 300 |
| Free online bank (ELBRUS) | Not provided, you will have to pay 190 rubles per month when connecting to the service | + | + | + |
| Free SMS notifications about transactions | Not provided, paid separately upon connection - 190 rubles per month | + | + | |
If necessary, you can switch to another tariff by paying the bank 1,000 rubles one-time.
Additionally, Raiffeisenbank offers its clients to save on current account maintenance by paying for the service 1 or 2 years in advance. In this case, 3 or 6 months of using the account are provided to individual entrepreneurs and LLCs free of charge.
Until December 31, 2019, there is a promotion that allows you to get 1 month of free service for your account. To do this, you need to bring a friend for corporate service. You can activate the bonus by entering information about yourself and your friend in a special application:
Both the friend and the Raiffeisenbank client who brought him receive a bonus in the form of free service.
Settlement and cash services
A significant advantage of Raiffeisenbank is the provision of comprehensive services for settlement and cash services within the framework of selected tariff plans. A wide range of operations is available for individual entrepreneurs and LLCs:
- free issuance of corporate cards and their servicing at favorable conditions;
- trade and internet acquiring;
- salary project;
- currency control;
- collection services;
- deposits.
Read also: Which bank is better to open a current account for individual entrepreneurs and LLCs in 2019?
For representatives of small businesses, other services are provided on favorable terms - loans, overdrafts, bank guarantees and letters of credit.
Corporate cards
Raiffeisenbank clients who have opened an account have the opportunity to issue a card attached to the account free of charge. The program provides two types of cards:
- "Business 24/7";
- METRO Cash & Carry.
Both cards are issued free of charge if you have a bank account. The bank does not charge a commission for reissue upon expiration. If the card is reissued at the initiative of the owner, then you will have to pay 300 rubles for the operation. But you don’t need to pay extra for SMS notifications.
Regardless of the card type, the client has the opportunity to deposit cash into the account with a commission of 0.19% of the amount. The cards also provide for withdrawal of money - for this service you will have to pay a commission of 1.5% (but not less than 90 rubles) regardless of which bank the operation is carried out.
The cost of service includes delivery of the card - it can be picked up at a bank branch or received by courier.
Business 24/7
"Business 24/7" is a corporate card linked to the company's current account. It is perfect for depositing and withdrawing money and will help its owner save on these operations. Among the advantages can be noted:
- instant crediting of funds to the account;
- single commission for withdrawals from ATMs of any bank;
- Possibility of use 24 hours a day, seven days a week;
- payment for purchases online.
The cost of service and some other features of using the card depend on the type of product. There are 4 types in total:
METRO Cash & Carry
METRO Cash & Carry card – excellent payment instrument for those who often make purchases at retail outlets. It can be used in any store, and when paying for purchases in the Metro shopping center, the client is provided with additional discounts, with which you can save up to 25,000 rubles.
The cost of monthly service is 390 rubles. But if purchases are made at the METRO shopping center in an amount over 10,000 rubles per month, then the card is serviced free of charge. Additionally, you can get discounts in this retail chain:
- welcome– in the amount of 10,000 rubles when making purchases in the amount of 100,000 rubles per quarter;
- regular – up to 15,000 rubles, depending on the amount of purchases in the quarter (for example, having purchased goods in the METRO shopping center in the amount of 60,000 to 100,000 rubles, you can count on a discount of 2,600 rubles).
An additional advantage of the card is the ability to use credit funds to make purchases in the amount of 30,000 to 250,000 rubles. For 45 days, no interest is charged on the amount borrowed; after this period, 26% per annum will be charged on the amount of debt. The borrowed funds must be returned within 12 months from the date of purchase.
The “Business Travel 24/7” card is an excellent opportunity to reduce travel expenses, simplify payments and control over employees. It can be used to pay for business, travel and entertainment needs. By issuing such a card, an organization receives a number of advantages and bonuses:
- reduction of enterprise overhead costs;
- almost complete absence of risk of loss Money;
- free SMS information;
- the ability to deposit funds to the card without commission;
- eliminating the possibility of fraudulent actions on the part of unscrupulous employees (fictitious checks, substitution of payment documents);
- receiving additional discounts under the discount program “Discounts for You!” ( for example, until August 31, 2018, you can book a car with a 10% discount inRentcars).
Servicing the card, regardless of the tariff plan, will cost 1,200 rubles per year. You can withdraw money from it at Raiffeisenbank ATMs with a commission of 1.2% or at ATMs and cash desks of other banks with a commission of 1.4% (but not less than 150 rubles).
Salary project
Within salary project All employees of the organization receive personal plastic cards. Servicing salary transfer transactions will be free if you activate the “Salary” service package. Moreover, the money will be issued automatically when you provide a salary slip (statement) and transfer the required amount.
All 4 tariff plans imply that salaries will be transferred to employee cards free of charge - this service is already included in the price. You won’t have to pay for card servicing to your employees, even if the accounts are opened not in rubles, but in dollars or euros. Withdrawals from Raiffeisenbank ATMs are made without additional fees, and from third-party financial institutions - for 1% of the amount. But for SMS notifications, employees will have to pay 60 rubles per month.
Acquiring
Clients who enter into a settlement and cash service agreement with Raiffeisenbank have the opportunity to connect several types of acquiring at once:
- Internet acquiring;
- trade acquiring;
- mobile acquiring.
Each of them has its own characteristics and tariff rates, on the basis of which a commission is charged for making payments between the organization and clients.
Internet acquiring
Internet acquiring allows you to accept payments from customers online. An organization can connect to the system absolutely free. You don’t have to pay a fixed subscription fee either - Raiffeisenbank takes only a commission on turnover of 2.7%. Funds received through the Internet acquiring system are credited no later than 1 day from the date of payment.
To activate the service, it is not enough to have a current account with Raiffeisenbank; it is necessary that the site itself through which payments will be accepted meets the requirements of payment systems and has mandatory information (payment process, contact information, warranty obligations, conditions and return procedure).
It takes about 4 days to connect to Internet acquiring. The process itself looks like this:
- opening an account (if you don’t already have one);
- submitting an application to connect to Internet acquiring;
- installation of templates for the site;
- obtaining registration data;
- adding a payment page to the site.
After which you will be able to accept online payments on your website 24 hours a day, 7 days a week.
Connection merchant acquiring allows you to accept payments from customers using special payment terminals at retail outlets. Raiffeisenbank offers its clients service at the “Standard +” tariff. Installation of equipment is carried out by specialists of the institution free of charge, and a symbolic fee of 1 ruble is charged for registration of each terminal.
Raiffeisenbank terminals accept cards of the following payment systems:
- VISA;
- Master Card;
- American Express;
For each terminal per month, an amount from 0 to 1,990 rubles is charged, calculated using the following formula:
An additional fee of 1.79% of the payment amount is charged. Thus, the final amount of the monthly commission consists of two indicators.
Trade acquiring allows clients to participate in the Raiffeisenbank discount program, which saves them money.
Mobile acquiring
When connecting to mobile acquiring, a single commission of 900 rubles is paid for the M-POS terminal (reader). The reader is capable of completely replacing trading terminal. It can be used to read information from customer cards by connecting it to a mobile device.
The M-POS terminal is lightweight and small, making it convenient to use for accepting payments when moving frequently. But the reader is not able to read cards of all payment systems (only VISA and Master Card). Additionally, the bank charges a transaction fee of 2.7% of the total amount.
Reading time: 7 minutes. Views 63 Published 04/29/2018
Raiffeisenbank is the largest affiliated undertaking Austrian financial group, and she, in turn, began her history back in the nineteenth century. During several years credit organisation occupies a leading position in Russia, offering a wide range of financial services for individuals, representatives of small, medium and large businesses. One of the services offered by the bank is the opening and maintenance of current accounts for legal entities and individual entrepreneurs. Let's consider how to open an account with Raiffeisenbank for legal entities and individual entrepreneurs, what conditions the bank offers.
Official website of Raiffeisenbank
Benefits of cooperation
To begin with, it is worth saying that for every entrepreneur, what matters first of all is the reliability of a commercial bank and its financial stability, because we are talking about equity. That is, so that there are no problems with returns own funds If a bank’s license is revoked, before opening a current account, a potential client will definitely inquire about the banks’ ratings. If we are talking about Raiffeisenbank, then clients have nothing to worry about, for the simple reason that the credit institution occupies 13th place in the rating and has positive growth dynamics.
Now we present the main advantages that the client will receive when collaborating with this organization:
- a client can open a current account both in domestic and in foreign currency;
- You can reserve a current account remotely on the bank’s official website before submitting documents;
- the bank carries out settlement transactions within one business day;
- a client can open several bank accounts, but only pays for one.
Please note that you can apply for a current account remotely by filling out a short form, after which the client is assigned a current account number, which he can use before submitting documents to the bank.
Rates
Before opening a current account with Raiffeisenbank for an LLC, you need to carefully study the tariffs and conditions. It’s worth saying right away that the cost of the bank’s services will largely depend on regional affiliation, and to be more precise, tariffs for Moscow residents are higher than for other regions. We will provide a comparative table of the cost of services, which will indicate first the prices for Moscow, and then for other regions.
| Rates |
||||
| Name of service | Start | Base | Optimum | Maximum |
| Cost of service per month in rubles | 990/790 | 1990/1490 | 2990/2490 | 7500/6500 |
| Cost of monthly service when paid for one year by prepayment in rubles | 8916/7116 | 17112/13416 | 26100/22416 | 67500/58500 |
| Cost of monthly service when paid for 2 years by prepayment in rubles | 17832/14232 | 34224/26832 | 52200/44832 | 135000/117000 |
| Cost of payment order | 25 rubles | The first 10 are free, the next are 25 rubles | The first 60 are free, the next are 25 rubles | The first 300 are free, the next are 25 rubles |
| Cost of opening an account | For free | For free | For free | For free |
Among other things, the bank offers to receive a plastic card as part of a current account, for the most comfortable receipt of cash at any time of the day. It should also be noted that the credit institution does not charge a fee for opening a current account, this operation included in the cost of service.
How to open an account
In order to open a current account with Raiffeisenbank for individual entrepreneurs and LLCs, you must first familiarize yourself with the current terms of service; to do this, you need to open the official website of the bank, which is located at. Here you can find current offers and terms of service.
RKO tariffs Afterwards, you can fill out an application by clicking on the “submit application” button. After some time, the manager of the financial institution will contact you, who will provide you with a list of required documents and give you the current account number. Next, you can use the account to accept payments from counterparties.
The list of documents required for individual entrepreneurs is as follows;
- personal passport;
- tax registration certificate;
- extract from the United state register individual entrepreneurs;
- a license to carry out a particular type of activity, if necessary.
For legal entities, the list of documents is slightly different:
- founder's passport;
- document confirming the appointment of the manager;
- card with samples of signatures and seals of authorized persons;
- charter;
- extract from the Unified State Register of Legal Entities;
- a license to carry out a particular type of activity;
- tax registration certificate.
Please note that the list of documents is for residents Russian Federation, for persons who are not residents of the Russian Federation, you must additionally provide a document confirming the registration of a foreign organization.
Additional services
For some, it may seem that the cost of bank services is quite high, especially for beginning entrepreneurs. But in fact, this is far from the case, because the concept of settlement and cash services is quite broad, the service consists of many components; if other organizations charge for additional services, here most of them are included in the cost of the tariff and there is no need to pay for them separately. Here is a list of additional bank services.
Online application Currency control
Currency control in the Russian Federation is carried out on the basis of legislation commercial banks V mandatory are currency control agents, which means they are obliged to provide certain services to their clients. Including consulting on transactions with foreign counterparties, preparing accompanying documentation, and issuing transaction passports.
Each Raiffeisenbank client can submit a request to open a foreign currency account on the bank’s official website. In addition, here you can use a specialized package of services “Currency”, its cost is 4100 rubles for 1 month, the rest of the services are provided to legal entities carrying out transactions in foreign currency with foreign partners.
The fee is only charged for carrying out settlement transactions in the form of a commission fee.
Collection
Corporate cards
Acquiring
within the framework of settlement and cash services are provided free of charge. With their help, organizational leaders can most effectively control the expenses of their subordinates, pay the expenses of seconded employees, and facilitate the work of the accounting department, eliminating paperwork. Today, most enterprises in the trade and service sector use acquiring services. RaiffeisenBank offers the service on the most favorable terms; there is no fee for installing equipment, and among other things, there is no fee for servicing the equipment. The cost of cash management services includes staff training and round-the-clock.
technical support Important! Commission for Money transfers
is 1.79%, funds are credited to the current account on the next business banking day. By the way, if an enterprise has an official website and provides services remotely, then its owners can use the Internet acquiring service. Its essence is that accepting payment from bank cards needed on the official websites of the organization
Additional services. The cost of this service is 2.9% of the transfer amount. for LLC and individual entrepreneur
Remote services
Finally, remote servicing, in particular Internet banking, is important for the client. RaiffeisenBank offers bank-client account holders a convenient and functional online service that allows them to gain round-the-clock access to their account to control turnover and make payments.
To summarize, opening a Raiffeisenbank current account will not take much time from the client and will make doing business easier and more comfortable. Among other things, the Bank’s great advantage is that technical support is available around the clock, so clients can receive consulting services at any time of the day or night, without interrupting their usual activities.
Updated December 2019
detailed information on opening a current account with Raiffeisenbank for individuals and legal entities. What documents will be required for registration, the cost of opening and maintenance. How to fill out an online application for cash settlement services for individual entrepreneurs and LLCs on the website raiffeisen.ru - a visual guide. Tariffs offered by the bank, with a list of services provided.
General
information Acquiring Salary
project
Foreign exchange
control
Corporate
cards
Opening:
Service:
Payment:
Opening speed:
From 1 working day
License:
3292 dated 02/17/2015
Internet bank:
Mobile bank:
SMS notification:
Documentation:
Passport, OGRN/OGRNIP, TIN (+ decision, charter, order of the general director, location of the company for LLC)
Cash acceptance:
Cash withdrawal:
Salary - 0, for other needs - from 1%
Acquiring:
Types: shopping and internet; accepted cards: Visa, MasterCard, MIR, AmEx; commission: up to 1.79%; terminal rental: up to RUB 1,990/month
Connection deadlines:
Up to 7 working days
Support:
Free
Enrollment deadlines:
During the day
Account management
Resident Operations Agent:
0.15%, if registration is not required - 0.14%
Registration of the contract:
Free, urgent - 4,900 rubles.
Payment:
Issuance of certificates:
- Fast registration with on-site specialist
- Account details after completing the application
- Inexpensive payment orders
- Overdraft in the amount of up to 1,500,000 rubles
- Trade acquiring with free service
- Internet banking interacts with programs from 1C
K5M
Reviews
The Start tariff from Raiffeisenbank offers a current account with fast registration, inexpensive service and convenient functions. You will be able to use all the bank’s services - arrange an overdraft, connect acquiring or a salary project, conduct a foreign exchange transaction. The bank often organizes promotions for clients - if you follow them, you can open an account with free service in the first months.
Advantages of opening a current account for LLCs and individual entrepreneurs with Raiffeisenbank:
- International service standards
- A variety of tariffs taking into account the individual specifics of the business
- Discounts for advance payment for current account servicing
- Reserving a current account number online
- Accepting payments through the Bank-Client online system “ELBRUS Internet”
- Unlimited checking accounts at no extra cost
- Convenient deadlines for providing payment papers for execution on the current banking day
- Salary projects
- Remote account management
- Departure of a personal manager to your office to issue an account (except for Moscow and the Moscow region)
Rates
| Start | Base | Optimum | Maximum | |
| Cost per month, rub | 990 | 1 900 | 2 900 | 7 500 |
| Electronic funds transfers | 25 rub/payment | 10 payments free, then 25 rubles payment | 60 payments free, then 25 rubles payment | 300 payments free, then 25 rubles payment |
| Acceptance of cash, collected money into the account | 0,25% | 0,25% | 0,25% | |
| Cash withdrawal from client accounts | From 1% (as agreed), for salary payments - 0% | From 1% (as agreed), for salary payments - 0% | From 1% (as agreed), for salary payments - 0% |
For all tariff plans, Internet banking connection is free of charge.
The tariffs are described in more detail in the appendix.
To open a current account with Raiffeisenbank, you need to enter the section “Medium and corporate business"or "Small Business", depending on the profitability of your business. Next, select the “Banking Services” item and go down to the very bottom of the page. Here we see a yellow button that says “Online Application”.
By clicking on it, you will be taken to the page for filling out personal data and business information.
Fill in:
- Annual revenue
- Company name
- contact number
- The site of the company
- City
- Service department
Select the one you are interested in banking product, enter the captcha and press the “Submit Application” button.
Within 24 hours, your personal manager will contact you and you will discuss the time and place of the meeting to resolve all formalities. Usually the manager comes directly to your office.
In the active menu of the Raiffeisenbank website, located on the left side of the page, there is a separate “Online application” button. If you are familiar with the terms of service, then after entering the site you can immediately begin filling out the application by clicking on it.
Required documents
To open a current account, an individual entrepreneur will need:
- A completed application form
- Application for opening an account
- Bank account agreement
- Identity documents
- Certificate OGRNIP
- TIN certificate
- Licenses (if available)
For an LLC, the package is somewhat wider, but not by much:
- A completed application form
- Application for opening an account
- Bank account agreement
- Charter
- Notarized card with sample signatures and seals
- Documents confirming the authority of the sole executive officer
- Documents confirming the powers of persons authorized to sign
- OGRN certificate
- TIN certificate
- Extract from the list of participants
- Licenses (if available)
Forms of all necessary contracts and questionnaires are posted on the Raiffeisenbank website and are freely available. They can be downloaded, studied and filled out in advance.
You will learn how to log into your personal account on the official website of Raiffeisenbank online. Detailed instructions for convenient and quick access to raiffeisen.ru with screenshots and video instructions. A visual guide to recovering a forgotten password for your bank account. We provide only the most current information.
About the bank
Raiffeisenbank - large universal bank With foreign participation. Founded in 1996 as the Russian branch of the Austrian bank of the same name. In 2007, he acquired IMPEXBank, which at that time acted as a bridger for the bank Russian Credit. In 2015, rumors appeared about the sale of Raiffeisen to Alfa-Bank, but these rumors were quickly refuted.
Now he controls all the bank's shares Raiffeisen Bank International. The head office of the Russian Raiffeisenbank is located in Moscow. The network of branches includes five branches - in St. Petersburg, Novosibirsk, Yekaterinburg, Krasnodar and Nizhny Novgorod - and more than 170 offices. The bank operates on the basis of the Central Bank general license No., issued on February 17, 2015.
In total, the bank services more than 80,000 corporate clients. Raiffeisen offers them cash settlement services, loans and guarantees, deposits, corporate and salary cards, acquiring, currency control, investments and other services. The bank also serves private clients - they have access to loans, deposits, credit and debit cards, money transfers and insurance services.
Business services from Raiffeisenbank
Raiffeisenbank is actively developing services and necessary for business- both small and large. Here you can connect a payroll project or acquiring, go through currency control or order collection services. You will learn about these and other popular offers from Raiffeisen below.
Raiffeisenbank has well organized services for those involved in foreign economic activity. Any bank client can open a foreign currency account, exchange currency or undergo foreign exchange control. The bank has its own conversion platform, R-Dealer - here you can buy or sell currency without commission at a rate close to the exchange rate. Raiffeisen works with many major currencies - from US dollars and euros to Norwegian kroner and Kazakhstani tenge.
Currency control at Raiffeisenbank is available to both residents and non-residents of the Russian Federation. Using it, you can correctly register a transaction with foreign company without disturbing Russian laws. For a fee, the bank will provide advice on foreign exchange transactions and help prepare Required documents. All operations are carried out remotely via Internet banking. For more convenient payment of customs duties, it is provided Customs Card— it is issued separately.
Tariffs for services for foreign trade activities:
|
Maintaining a foreign currency account |
$25 per month |
|
Payments in foreign currency |
0.1%, minimum $40 |
|
Access to the R-Dealer system |
1,500 rubles |
|
Currency control |
For transactions that do not require registration of a contract - 0.14%, minimum 290 rubles |
|
Urgent registration of the contract |
4,900 rubles |
|
Deregistration of a contract |
3,900 rubles |
|
Issuance of copies of documents from the currency control file |
|
|
Issuance of currency control certificates |
1,200 rubles for each |
|
Preliminary examination of documents |
1,000 rubles |
|
Verification of currency control documents |
500 rubles per document |
|
Consultations on currency control |
1,000 rubles |
Raiffeisenbank has its own collection service - it will help you quickly and safely transport large amounts cash, precious metals, securities and things. The collection service uses modern technologies protection and safety, which ensure high reliability and safety of the cargo. In cities where the Raiffeisen collection service does not operate, you can use the services of partner companies.
To use collection services, leave a request via online banking, in a branch or by phone. A specialist will help you agree on the date and time of delivery of the valuables you need. The collection fee is calculated individually for each case. Transfer of cash to the current account is paid separately.
A corporate card is an additional tool for more convenient money management current account. Using it, you can pay various company expenses, deposit and withdraw cash. The card is used like a regular credit or debit card. If desired, you can set separate limits for any operations.
Raiffeisenbank offers several specialized corporate cards:
Business 24/7 - designed to make it easier to deposit and withdraw cash into your account. It has uniform tariffs for cash transactions for all ATMs - you don’t have to look for a Raiffeisen device to deposit or withdraw money
METRO - produced jointly with the METRO Cash&Carry chain of wholesale stores. You can use it to pay for any purchases, just like a regular bank card. METRO chain stores offer additional discounts. You can get a loan on the card for an amount of up to 250,000 rubles for a period of up to 12 months with a deferred payment of 45 days
Business trips 24/7 - designed for convenient payment travel expenses. It can be issued in the name of one of your employees. The card offers free SMS notifications, free replenishment at Raiffeisenbank ATMs and discounts from partners
Order any issue corporate card you can via online banking. Here you can manage transaction limits and track the status of your accounts.
The salary project at Raiffeisenbank will help you transfer salaries to your employees faster. You can connect it at any bank branch - just sign an agreement and provide information about employees. Raiffeisen will release and deliver the required quantity salary cards.
Payroll transfers via Internet banking are fully automated. It is enough to create the register once and create the corresponding payments. You can generate several payments for employees with different sizes salaries. The money is transferred immediately after sending the register.
As part of the salary project, the bank issues debit cards in the Visa, MasterCard and MIR payment systems. They are issued and serviced completely free of charge, offer discounts in Raiffeisen partner stores and free cash withdrawals from ATMs of the partner network. Managers have access to “Gold” and “Premium” service packages with extended privileges from the bank and payment systems.
Raiffeisenbank offers its clients trade and Internet acquiring. Using them, you can accept payments from bank cards of popular systems. The bank uses its own processing center, which ensures high security for all transactions.
When connecting trade acquiring, the bank provides all the necessary equipment for rent. Its cost depends on the size of turnover at the outlet. The bank will deliver and connect terminals free of charge, conduct staff training and provide advice on controversial issues. You will also be able to participate in the bank's discount program.
Internet acquiring is connected for free - the bank will help you embed a payment module on your website. Raiffeisen supports working with popular CMS and provides an API for web developers. The commission for Internet acquiring is fixed and does not depend on turnover or payment methods. The buyer will receive electronic check in accordance with the requirements of Federal Law-54.
Acquiring tariffs:
Electronic services
For remote banking services, Raiffeisenbank uses its own development - the Elbrus client bank. It offers convenient tools for managing your current account, a customizable interface and high security for all transactions. You can use SMS passwords or a USB key to log into the bank and confirm transactions.
Internet banking provides all the necessary functions - managing a current account, receiving and sending payment orders, exchanging documents with the bank, filling out applications for other services. It is compatible with programs from 1C - you can import and export documents at any time. You can contact the bank's support service via online chat - it is open from 9:00 to 18:00 Moscow time. If you have several accounts in Raiffeisen, you can use a common login for them.
Since July 2019, Raiffeisenbank's Internet banking has added a built-in accounting service. It connects for free on any tariff.
For now, the service can only calculate and pay taxes and remind you of payments. Its functionality will be gradually expanded in accordance with the tax calendar - for example, by the end of the year, tools for creating and sending electronic declarations will be added.
For operational account management, Raiffeisenbank provides mobile app for iOS and Android devices. Using it, you can track account transactions, process payments and send details to counterparties. To log into the mobile application, the same data is used as for online banking.
Bank accounts for individual entrepreneurs are called current accounts, which are necessary for the following types of activities:
- concluding contracts worth more than 100 thousand rubles;
- work with by bank transfer;
- payment of taxes and fees;
- drawing up a contract for a project wages;
- connection of Internet and trade acquiring services.
An individual entrepreneur can open not one, but as many accounts as is necessary for the free implementation of his activities.
These can be either ruble accounts or foreign currency accounts. To open a personal account, a businessman must submit a package of documents to a bank branch, where he submits an application, and then also signs an agreement for cash settlement - settlement and cash services.
An application to open a current account with Raiffeisenbank can be submitted remotely, which saves time.
The procedure for opening current accounts in Raiffeisenbank for individual entrepreneurs
In order to open an account in this bank, it will be enough to leave an application on the bank’s official portal.
When filling out the application you will need the following information:
- TIN;
- telephone number for contact;
- address Email;
- initials of the entrepreneur;
- locality.
On the same day, you can expect a call from the manager of Raiffeisenbank, and you need to be ready to answer his questions regarding the terms of the agreement on cash settlement services and choose the desired tariff.
After this, a form and a list of documents that are required to open an account will be sent to the specified email address. It is logical that in the response letter the individual entrepreneur should provide scanned documents and the questionnaire he filled out.
The next step is to call the employee again banking organization, to whom the entrepreneur intends to entrust the management of the account, during the conversation he will ask to set a meeting time.
After three days from the date of the meeting, Raiffeisenbank will have time to check the documents left and, if the information is authentic, will open an account. From this moment on, it is valid and you can work with it: top up, accept payments, make business transfers.
It happens that Raiffeisenbank refuses a request to open a current account. This happens if the future client’s current account, opened with a third-party bank, is already blocked tax office.
The bank will also inform about such a decision in a letter in response to the application.
Current account at Raiffeisenbank - online booking
Any individual entrepreneur has the opportunity to open a current account for individual entrepreneurs in Raiffeisenbank online.
First of all, he must leave a request on the bank’s official website for subsequent account reservation. After 5 min. The bank will send account details by email, which will remain unchanged and will become valid after the individual entrepreneur and the bank enter into an agreement.
A businessman can safely indicate these details in a partnership agreement, but it will be impossible to receive any funds for now. All types of activities with the account can be carried out only after signing an agreement between the bank and the individual entrepreneur for settlement and cash services.
To conclude an agreement on cash settlement services, the following documents are required to open a current account for an individual entrepreneur:
- passport;
- a card with sample signatures of all responsible persons of the organization;
- licenses to operate, provided that they are necessary in this business and have already been obtained.
The bank also requests data from Rosstat and an extract from the Unified State Register of Individual Entrepreneurs.
An entrepreneur's work with a Raiffeisenbank account - important nuances
In order to carry out activities with the account remotely, the client can activate the Internet banking service. IN personal account Conveniently check balances, pay obligations and print statements.
On the main portal of the bank there is a section Bank-client Elbrus, which is an online bank. To set it up, you need to submit a separate application for this service. As a result, the customer will receive an envelope with a personal login and password.
The bank can provide its mobile version called Raiffeisen Business.
To install it, a businessman must download the application to his smartphone, after which he can fully use the account directly from his phone.
To simplify the work, an individual entrepreneur can create templates there for paying for various services and, at the right time, do not fill out all the details again, but simply press the button just once.
Full control The SMS for business service will help you complete your account. Every time a payment is made or, conversely, funds are credited to the account, SMS alerts will be sent to the specified email address or phone number.
Activation of the service is available both at bank branches and by hotline. In addition, you can connect SMS banking directly on the portal in the “Additional services” section.
List of current tariffs for cash settlement services
There are only 4 tariffs for opening a current account for individual entrepreneurs in Raiffeisenbank, in accordance with the conditions of each, opening an account is free. And the cost of one payment made above the specified limit is 25 rubles. Opening conditions are as follows:
- Tariff Start. Maintaining an account costs 990 rubles, and if you pay in advance, even 790 rubles. There are no free payments within this tariff; the limit for free transfers to the account of individuals is 100 thousand rubles.
- Tariff Basic. Maintaining an account costs 1 thousand 900 rubles/month. In this case, 10 payments will be free, the rest will cost 25 rubles. every. Free transfer threshold individuals– 200 thousand rubles/month.
- Tariff Optimum. Maintenance will cost 2 thousand 900 rubles/month. 60 free payments and 500 thousand rubles are included. limit on transfers to individuals.
- Tariff Maximum. Service – 7 thousand 500 rubles, number of free transfers per month – 300, limit of free transfers to individuals – 700 thousand rubles.
Internet and mobile banking
By connecting these services, the client can not only receive and send account statements in different formats, but also make multiple payments at once, and also sign the payment with a password.
The service includes information about receipts and debits of funds from the account.
| RKO in Tochka Bank. | Open an account |
More about the current account
- Opening an account is free in 10 minutes;
- Maintenance – from 0 rubles/month;
- Free payment cards – up to 20 pcs./month.
- Up to 7% on account balance;
- Overdraft possible;
- Internet banking – free;
- Mobile banking is free.
| RKO in Raiffeisenbank. | Open an account |
More about the current account
- Opening an account is free in 5 minutes;
- Maintenance – from 490 rubles/month;
- Minimum commissions.
- Registration of salary cards is free;
- Overdraft possible;
- Internet banking – free;
- Mobile banking is free.
| RKO in Tinkoff Bank. | Open an account |
More about the current account
- Free opening of account in 10 minutes;
- First 2 months free service;
- After 2 months from 490 RUR/month;
- Up to 8% on account balance;
- Free accounting for individual entrepreneurs on Simplified;
- Free Internet banking;
- Free mobile banking.
| RKO in Sberbank. | Open an account |
More about the current account
- Opening an account - 0 rub.;
- Maintenance – from 0 rubles/month;
- Free “Sberbank Business Online”;
- Lots of extra services.
More about the current account
- 0 rub. opening an account;
- 0 rub. Internet banking and mobile banking for account management;
- 0 rub. issuing a business card for depositing and withdrawing cash at any ATM;
- 0 rub. first deposit of cash into the account;
- 0 rub. tax and budget payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
- 0 rub. account maintenance if there is no turnover.
| RKO in the Eastern Bank. | Open an account |
More about the current account
- Opening an account is free;
- Reservation in 1 minute;
- Internet banking and mobile application are free;
- 3 months of service free of charge;
- after 3 months from 490 rub./month.
| RKO in LOKO Bank. | Open an account |
More about the current account
- Opening an account is free;
- Reservation in 1 minute;
- Maintenance – from 0 rubles/month;
- Cash withdrawal from 0.6%;
- Free terminal for acquiring;
- Internet banking and mobile application are free.
| RKO in Expert Bank. | Open an account |
More about the current account
- Cash withdrawal (up to 700 thousand rubles) - free
- Up to 5% on account balance
- The cost of payment is from 0 rub.
| RKO in UBRIR Bank. | Open an account |
More about the current account
- Account maintenance - from 0 rub./month.
- Connection to acquiring - free
- Bonuses from partners
- Interbank payments - from 0 rub./3 months
| RKO at Otkritie Bank. |
Raiffeisenbank provides high-quality settlement and cash services.
Representatives of small businesses can manage their accounts remotely using convenient online banking and receive a discount on maintaining a bank account when making an advance. Several RKO tariff plans and a lot of additional services are available to clients.
Conditions for opening a current account for private entrepreneurs
You can reserve a bank account number through the official banking website. For this purpose, the client fills out a special electronic form applications. Details are provided within 5 minutes after sending the relevant request.
The account is opened for free. Depending on the specifics of the entrepreneur’s activities and monthly turnover, the bank offers a choice of 4 RKO tariff plans.
Multifunctional Internet banking and convenient application for gadgets.
The table below lists the tariffs for opening a current account with Raiffeisenbank for individual entrepreneurs engaged in entrepreneurial activity in the capital or Moscow region.
| Tariff plan characteristics | "Start" | "Base" | "Optimum" | "Maximum" |
| limit of free external payments per month | absent | |||
| cost of payment after the limit is completed | ||||
| monthly limit on transferring money to counterparties without commission | up to 30 thousand ₽ | up to 200 thousand ₽ | up to 500 thousand ₽ | up to 700 thousand ₽ |
| monthly service fee mobile banking | absent |
|||
| Monthly payment for the service “SMS for Business” | absent |
|||
| fee for maintaining an account per month | ||||
Prices for bank services in other regions may vary. For example, the monthly fee for maintaining a personal account under the “Start” tariff in St. Petersburg is 990 rubles, and in Kaliningrad – 790 rubles.
View the rates available in your area locality, perhaps with the help of a special one.
If necessary tariff plan RKO may be changed. The cost of the transition is 1 thousand rubles.
Clients can receive payment card"Business 24/7", linked to the account. It is designed to replenish your balance and quickly receive cash through ATMs.
When making an advance payment, an entrepreneur can be serviced for 3-6 months free of charge. The discount is provided to customers who choose any RKO tariff plan.
How to open a current account for an individual entrepreneur in Raiffeisenbank?
A private entrepreneur or his legal representative can contact any territorial office focused on working with business clients and declare his intention to register a settlement account.
You will need to have a certain package of documentation with you. If the manager has been provided with all the necessary papers, a corresponding agreement is concluded with the individual entrepreneur.
Documents for opening an individual entrepreneur current account
The following documentation must be provided to the bank office:
- card with sample signatures and seal imprint;
- filled ;
- entrepreneur's passport;
- certificate of registration with the Federal Tax Service;
- a notarized power of attorney issued in the name of the representative (when contacting the office of the authorized representative).
The individual entrepreneur application form is issued by the manager. If necessary, the form can be downloaded here or found on the official banking website. The agreement on registration of the account is signed in two copies in the presence of a specialist after checking all the documents listed above.
In some cases, the manager requests additional papers, for example, an extract from the Unified State Register of Individual Entrepreneurs, a certificate from Rosstat on the assignment of statistics codes, etc. As a rule, the information contained in these documents is freely available, so the bank can obtain it independently.
If you have any questions regarding the registration of a bank account with Raiffeisenbank, please contact the nearest branch or call 8-800-700-46-46.
Acquiring for business development
You can increase the average check size, expand your customer base and speed up the checkout process with the help of merchant acquiring.
Raiffeisenbank offers connection to the service for only 1 ruble. Installation of POS equipment is free of charge. The support service works around the clock, so any problems that arise are resolved instantly.
The equipment accepts cards with the following for payment: payment systems:
- Visa;
- American Express;
- MasterCard;
- "WORLD".
The cost of the subscription fee is determined personally. The rate provided by the bank is 1.99% of the payment amount.
Private entrepreneurs who trade via the Internet or have a website can set up Internet acquiring to receive payments remotely.
Activation of the service is free of charge within 4 days from the date of application. The rate is fixed – 2.7% of turnover. Revenue is credited to the account within one business day.
Lending from Raiffeisenbank
Depending on the monthly income of the individual entrepreneur and purposes of use borrowed money The bank offers several lending programs.
You can receive up to 2 million rubles in two days without providing collateral by choosing an Express loan.
Do you need money regularly in case of cash gaps?
Sign up for “Easy overdraft” at a rate of 0.1% per day and with a five-day interest payment period.
Acquainted with full list lending programs are available on the official website of Raiffeisenbank.
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Check out bank offers
| RKO in Tochka Bank. | Open an account |
More about the current account
- Opening an account is free in 10 minutes;
- Maintenance – from 0 rubles/month;
- Free payment cards – up to 20 pcs./month.
- Up to 7% on account balance;
- Overdraft possible;
- Internet banking – free;
- Mobile banking is free.
|
| RKO in Raiffeisenbank. | Open an account |
More about the current account
- Opening an account is free in 5 minutes;
- Maintenance – from 490 rubles/month;
- Minimum commissions.
- Registration of salary cards is free;
- Overdraft possible;
- Internet banking – free;
- Mobile banking is free.
| RKO in Tinkoff Bank. | Open an account |
More about the current account
- Free opening of account in 10 minutes;
- The first 2 months are free of charge;
- After 2 months from 490 RUR/month;
- Up to 8% on account balance;
- Free accounting for individual entrepreneurs on Simplified;
- Free Internet banking;
- Free mobile banking.
|
| RKO in Sberbank. | Open an account |
More about the current account
- Opening an account - 0 rub.;
- Maintenance – from 0 rubles/month;
- Free “Sberbank Business Online”;
- Lots of extra services.
More about the current account
- 0 rub. opening an account;
- 0 rub. Internet banking and mobile banking for account management;
- 0 rub. issuing a business card for depositing and withdrawing cash at any ATM;
- 0 rub. first deposit of cash into the account;
- 0 rub. tax and budget payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
- 0 rub. account maintenance if there is no turnover.
| RKO in the Eastern Bank. | Open an account |
More about the current account
- Opening an account is free;
- Reservation in 1 minute;
- Internet banking and mobile application are free;
- 3 months of service free of charge;
- after 3 months from 490 rub./month.
|
| RKO in LOKO Bank. | Open an account |
More about the current account
- Opening an account is free;
- Reservation in 1 minute;
- Maintenance – from 0 rubles/month;
- Cash withdrawal from 0.6%;
- Free terminal for acquiring;
- Internet banking and mobile application are free.
|
| RKO in Expert Bank. | Open an account |
More about the current account
- Account maintenance - from 0 rub./month.
- Cash withdrawal (up to 700 thousand rubles) - free
- Up to 5% on account balance
- The cost of payment is from 0 rub.
| RKO in Unicredit Bank. |
