Cash settlement services for bank clients opening. Opening and servicing a bank account. Settlement and cash services for legal entities and individual entrepreneurs. Tariffs for settlement and cash services in banks

Settlement and cash services for legal entities

• Opening ruble and foreign currency accounts in the shortest possible time;
• Receiving advice on the procedure for conducting banking operations;
• Transfer of funds within Russia and abroad on the day of submission of payment documents;
• Depositing cash into the cash register while simultaneously crediting it to the settlement (current) account;
• Collection of cash proceeds;
• For non-resident legal entities, the opening and maintenance of bank and special accounts is provided; client-bank;
• Documentary operations;
• Transactions with foreign currency;
• Collection and delivery of funds and valuables (the service operates at the Head Office of JSCB SLAVIA (JSC) in Moscow and at the Branch of JSCB SLAVIA (JSC) in Lyubertsy); lending.
• JSCB SLAVIA (JSC) will quickly and on favorable terms for clients satisfy their cash needs.

Terms of service and tariffs

Servicing of accounts in rubles and foreign currency is carried out free of charge or at minimal rates. The service conditions and tariffs of JSCB SLAVIA (JSC) for all types of ruble and foreign currency accounts are given in the Tariffs for customer service (attached to the Bank Account Agreement).

Service order

The operating day at JSCB SLAVIA (JSC) lasts from 9:30 to 17:00. At the same time, payment orders passing through the settlement system of the Bank of Russia, transferred to the bank on paper, before 17:00, through the “Client-Bank” system until 17:00, are carried out on the current operating day, and orders transferred to the bank after the checkout time , - the next business day. Payments made within JSCB SLAVIA (JSC), transferred to the bank before 18:00, are carried out on the current business day, after the checkout time - on the next business day. On pre-holiday days the operating day is reduced by 1 hour and on Friday the operating day is until 16:45. Account statements are provided from 9:30 every banking day. Cash must be ordered from the bank before 13:00 on the day preceding the day of receipt. Reception and withdrawal of cash are carried out during the operating day.

Operational time and procedure for executing payment documents of clients when making foreign currency transfers to recipients' accounts in other banks (credit institutions):

Payment documents when clients make transfers of foreign currency to recipients' accounts at JSCB SLAVIA (JSC) are submitted to the Bank before 17:30 (on Fridays and pre-holidays until 16:15) and are executed by the Bank on the current business day.

Last update: 01/21/2020

Hello, dear readers of the business magazine “site”! In the article we will talk about cash settlement services for legal entities and individuals, why this is necessary and how to choose a bank with low (good) tariffs for cash settlement services.

Due to the growing popularity non-cash payments And obligation to work with a current account, RKO becomes an integral part of our lives and is necessary for absolutely everyone, from the ordinary pensioner before entrepreneur or, especially, a large company.

From this article you will learn:

• What is cash management services?
• What advantages and functions does it have?
• What is the difference between cash settlement services for individuals and legal entities;
• By what criteria and comparative characteristics should you choose a bank?

Of course, entrusting your current account to a bank is a responsible decision and requires the most serious approach, because the company’s costs, the security of financial transactions and, accordingly, its profitability depend on it.

So how do you decide on the choice of a partner bank and what to pay attention to? Read about this and more right now!

What is cash settlement services, what function does settlement and cash services perform for legal entities (LLC, individual entrepreneurs, etc.) and ordinary citizens, how to choose a bank with the best tariffs for cash settlement services - you will learn about all this by reading the article to the end

1. Cash settlement services (CSS) - what is it and who needs it 🗒

RKO (settlement and cash services) is a system of banking services that allows you to service accounts of individuals and legal entities and carry out transactions for transferring funds in various currencies.

To use such opportunities, a potential client must provide the bank with certain documents, enter into an appropriate agreement with the bank and comply with the requirements of existing legislation and internal bank regulations.

All legal subtleties of RKO are determined by the Law “ About banks and banking activities", Civil Code of the Russian Federation and regulatory legal acts TSB RF(for example, such provisions as “on non-cash payments in the Russian Federation”, “on the procedure for conducting cash transactions in credit institutions” and others)

Is it possible to do without cash management services?

Both individuals and organizations today need to use non-cash money circulation, in one form or another.

Accordingly, we can do without RKO impossible when conducting any non-cash transactions, withdrawal or deposit of cash into an account (including payment, money transaction etc.), maintaining accounts in various currencies and receiving statements of transactions performed on the current account.

2. Settlement and cash services for legal entities - a mechanism for servicing bank clients 🖇

With cash settlement services for legal entities, the credit institution conducts all operations on their current accounts. Among which, listing salaries, pensions, scholarships and other payments. Transactions can be carried out both in rubles and in other foreign currencies. We wrote in more detail about this in one of our previous materials.

Fundamental services in this area can usually be classified as:

• non-cash payments;
• cash payments;
• preparation of account statements.

When carrying out work on accounts and cash transactions, banks use special forms, the most commonly used of which are:

1. payment order (when using a current account for payment), it is also called “form 0401060”;
2. form for depositing cash into a bank account;
3. checks issued when cash is withdrawn from an account.

Having signed an agreement on cash settlement services, the company has the right get a checkbook, which serves as a tool for cashing out money to use it to pay employees and other needs of the company.

Banks can offer not only basic, but also additional services, for example, collection, remote access to working with a current account (this system is called “ Bank-Client »).

But, if basic services are provided free of charge or on a minimum payment basis, then related services are provided for a fee, because a bank is, first of all, a commercial organization.

3. The main purpose of settlement and cash services for individuals 💰

An individual's current account is used for depositing payments, making non-cash payments, online banking transactions and other non-commercial purposes.

In most banks, this service is provided free of charge, but there is also a commission for making transactions, such as cashing out money, processing payment documents, wire transfers, etc.

To open an account, a settlement agreement is signed between an individual and the bank.

4. How to choose a bank for cash settlement services - TOP 3 tips from experts 📋

The choice of a partner bank should be approached as seriously as possible. Before doing this, you need to study the offers of various banks and decide based on the criteria that are important for a particular organization.

Tip 1. Determine the reliability of the bank

Bank reliability – this is a comprehensive view not only of its capabilities, but also the identification of advantages and weaknesses. Before concluding a service agreement, it is necessary to assess the possible risks of such cooperation and compare them with the level of utility.

There are different ways to get an idea of ​​the work of a credit institution, as well as a criterion for assessing its reliability, for example:

• Open sources of media and Internet resources. Here you can find not only general information, but also reviews from real clients. For this, in addition to the websites of the banks themselves, there are specialized sources (such as the Banki.ru information portal, Expert RA credit ratings and others);
• Make sure that It is possible to withdraw and transfer funds on the day of application;
• Monitoring the stability of the bank's work. For example, delays in transferring funds should alert you;
• Availability and geographical location of bank branches. Their presence in different regions allows you to avoid unnecessary time and money spent working between several different systems;
• Range of services . It is important that the bank meets all the requirements of the organization and can provide all the services it needs;
• Deadline for issuing a transaction passport, currency requirements for documentation, currency exchange conditions, etc.;
• Tariffs for cash settlement services for clients. When comparing banks on this indicator, it is important to evaluate the size of the commission for maintaining an account, the possibility of working remotely and connecting this service, transfers of funds, depositing and withdrawing cash (for the payment of wages and other needs of the organization);
• Quality And, Firstly, efficiency of cash settlement bank and resolving controversial issues.
• Availability and terms of provision of related services, such as lending, guarantee services, for example, during tender work.
• The relevance of conducting “salary projects”in the bank(how profitable and convenient it will be, how widely represented is the ATM network and other questions)

Tip 2. Compare work schedules of potential partners

In cases where a number of banks meet the criteria for an organization to select a partner for cooperation in cash settlement services, an additional item may become bank work schedule.

This is especially worth paying attention to for companies that work with companies or divisions that have a time difference.

Tip 3. To save on banking costs, enter payment days into the company

If the company introduces payment days (from one to three per week), when all bills that have accumulated during this period of time will be paid, depending on the priority, then it will be possible to save a lot on the costs associated with paying each payment order.

Review of popular banks with tariffs for cash settlement services

5. We choose a bank with favorable tariffs for settlement and cash services - TOP-5 RKO banks for individual entrepreneurs and legal entities 🏦

As already mentioned, choosing a bank that you can trust to maintain your current account is a very important step, which depends on various factors. Besides keeping score, replenishment And cash withdrawals, transactions on non-cash transfers and payments, you can also get additional services from banks.

1) Sberbank

In the financial services market, Sberbank rightfully occupies a leading position in terms of coverage of needs as physical, so legal persons.

RKO bank is good for individual entrepreneurs and large corporations, since Sberbank can offer many favorable RKO tariffs and additional services. You can open a current account in this bank without even visiting a branch, remotely using the website, and it will be ready to accept payments.

The necessary documents can be submitted to the bank within 30 calendar days after opening such an account. The second and subsequent accounts can be opened using only the “ Sberbank Business Online ", for which there is also a mobile application, which is very convenient. There are also packaged service offerings for business accounts.

Sberbank has the country's largest network of offices and ATMs, provides round-the-clock support with an advisory center, works with foreign currencies, conducts “salary projects”, provides acquiring services, offers special conditions for deposits and lending for its clients and preferential programs. It is also possible to purchase equipment for business on lease. we wrote in our last article.

2) Tinkoff

A relatively young but rapidly growing bank. Legal entities are offered two tariffs: “ Simple" And " Advanced", with fairly low service tariffs. The bank holds various promotions to attract new customers, which makes servicing it quite profitable.

Related services are provided, such as Internet banking, SMS alert system, business lending, and others. It is also possible to open an account online through the website. At the end of the year, Tinkoff Bank clients receive a percentage of the balance amount credited to their account.

3) Bank Otkritie

Otkritie Bank offers its clients a full range of settlement and cash services. There is the possibility of online account reservation for its subsequent opening, a remote account management system, an advisory center, currency control, collection, additional lending services, insurance and other things.

The bank also offers HR consulting training programs aimed at improving the performance of employees and managers.

4) Alfabank

Cash settlement services for Alfa Bank clients are provided in both Russian and foreign currencies without restrictions on the number of accounts opened. All account transactions, including currency conversion services, can be carried out through the online client.

Alfa Bank has an extensive network of branches and provides settlement services throughout the country. You can enter into an additional agreement with the bank and receive a percentage of the balance of funds in the account. The bank provides additional services.

5) SKB-Bank

At SKB-Bank it is possible to reserve a current account online and conduct all account transactions remotely. The bank has an extensive network of branches and ATMs, extended operating hours ( 21 o'clock).

For legal entities and entrepreneurs, SKB can offer favorable rates, a wide variety of additional services, for example, preferential lending to employees and a “salary project,” as well as free issuance of a Visa Business bank card and even a free advertising campaign and discounts in the Affiliate program.

Tariffs for settlement and cash services in banks

This table shows the tariffs for cash settlement services of banks located in Moscow. In other regions, tariffs may differ, depending on the procedure for setting them by the bank.

*For clients who have a current account with this Bank.

From the data presented in the table, we can conclude that the most favorable conditions are currently provided by Tinkoff Bank, which does not charge for most standard services, however, do not forget that these are not the only indicators and a more in-depth analysis is required for a complete picture .

6. What documents are needed to open cash settlement services (individuals and legal entities) 🗒

To open a bank account, you will need to provide a standard package of documents.

Documents for opening a current account for an individual entrepreneur:

• Passport;
• OGRNIP.

Documents for opening a current account for legal entities (LLC, JSC, PJSC, etc.)

• OGRN;
• Charter;
• Order on the appointment of the Director;
• and other constituent documents of the legal entity.

7. Package cash settlement services for bank clients - review of the TOP 3 popular services 💸

In order to reduce the costs of necessary settlement and cash services, most credit institutions provide clients (entrepreneurs) with the opportunity to connect to a packaged set of services. This is necessary when the use of cash registers is regular and requires significant financial investments from the company.

Such proposals can be divided into 2 (two) categories:

1. payment for the connection of the package makes it possible to carry out some frequently used operations free of charge;
2. preferential tariffs for basic cash settlement operations.

It is necessary to take into account the cost of the package itself to make sure that its connection will really reduce costs and protect you from unnecessary financial losses.

1) Service “Bank cards for legal entities”

For more convenient business and financial transactions, bank cards of a special business category can be issued. Such cards are linked to the organization's current account and are used only for the company's needs, which is very convenient, for example, for clients who often make transactions on the account while on business trips.

In addition to the main card, it is possible to issue additional cards that are linked to the same account, which is convenient for use by several employees at once. In addition, tariffs for servicing by card are usually lower than through an operator.

However, when calculating the benefits of using the card, tariffs must be taken into account for its issue and further servicing, which differ radically depending on the issuing bank.

2) “Self-collection” service

Self-collection is a service also designed to reduce the costs of businessmen for cash settlement services and allows you to deposit proceeds into a current account through ATM or terminal self-service. This allows the entrepreneur to get rid of unnecessary problems and cash costs associated with the collection and storage of cash.

For some operations there may be restrictions are imposed, which are related to the capabilities of the self-service terminal used.

Typically, rates for depositing cash this way are lower than through a cash desk, however, you need to remember that the bank sets minimum commission amounts and make sure that such collection is profitable.

3) Internet banking

One of the most important components of settlement and cash services today is the ability to work with accounts remotely, namely all kinds of bank clients . Most of the most necessary banking operations can be performed this way, as well as receiving payment documents and monitoring the status of the account.

As a rule, this service belongs to the basic services of cash settlement services and is inseparably present in every bank serving legal entities. The client has the right to refuse to use Internet banking, but can also easily activate it at any time.

Typically, a fee is charged for using remote access capabilities, but many banks are willing to provide the basic capabilities of this service free of charge.

Among the useful features of this service, one can directly note making payments from a current account and transfers to other persons . Work with documentation is also carried out, it is possible to obtain information about all actions with the account and its status in real time.

Online account transactions have a fairly high degree of protection and bank guarantees, so entrepreneurs do not have to worry about the safety of funds, but they have the right to connect additional protection services for a fee.

8. Advantages of settlement and cash services for entrepreneurs 💎

RKO is a comprehensive service necessary for running almost any business.

The positive aspects of cash settlement services for entrepreneurs are:

• personal approach and specially selected tariff packages on the most favorable terms.
• service by a personal manager;
• real-time calculations.

This has a beneficial effect on the speed and smooth functioning of the organization. Most payments these days are made non-cash, and their fast and high-quality execution directly affects the company’s profit.

The more services a bank can offer, the more attractive it is for entrepreneurs.

Today, RKO boasts a wide range of:

• opening and maintaining a current account;
• transfers, both within the bank and to other banks, to the accounts of legal entities or individuals and various payments;
• depositing cash into an account;
• online banking, mobile applications and SMS notification system;
• any currency transactions, including their purchase, sale and exchange.
• the ability to make payments using a scanned copy of the invoice;
• constant availability of online monetary transactions for clients within the bank;
• individual approach, depending on the specifics of the client’s organization. For example, if a company often works in the international market, the cost and speed of obtaining a transaction passport will be of great importance.

When a company primarily works with cash, the most important point of cooperation on cash settlement services for it will be the minimum commission for depositing funds into a current account. And for beginning businessmen, the first place will be the commission for opening and maintaining an account.

9. Frequently asked questions (FAQ) about RKO 💬

Let's try to answer in detail the questions that come to the editor of the site.

Question 1. Are cash register customer service and cash register maintenance the same thing?

Cash service- this is the making of settlements and other financial transactions on the accounts of individuals and legal entities.

RKO is a banking services system that allows you to service accounts physical And legal persons, carry out transactions of debiting and crediting funds in national and foreign currencies.

To use such services, the bank client must provide the necessary documents, enter into an appropriate agreement with the bank and meet the requirements of current legislation and internal bank regulations.

Cash service is the bank's service to its customers. This service has nothing in common with cash register maintenance, in which the object is the cash register itself, and the service is provided by the bank’s technical staff or a third-party organization for servicing the equipment.

Question 2. How to choose the best bank for small businesses using cash settlement services?

More than 600 Russian banks are ready to offer their services to small businesses, having fundamentally different conditions for their provision and tariffs. In order not to get confused in all this diversity, it is important to determine for your company the most important cash and cash management operations that are being carried out or planned in the next six months.

Among the criteria for choosing a partner bank are the following:

1. The main currency with which the company operates. Does the bank work with it, what conditions does it provide for transfers, currency exchange, is there a currency control service (for those who work on the import and export of goods and services and often pay with foreign partners), as well as the availability of an online currency exchange service at any time? time, which will help protect your accounts from financial losses.
2. Availability and amount of commission for maintaining a current account, connection to the online banking system, cost of transfers. It will be more convenient for beginning entrepreneurs if for some time (usually three to six months) after opening an account, no commission will be charged for its maintenance in the event of no transactions on the account.
3. Cash transactions. Issuing cash and depositing it into an account is subject to an additional commission, which must be taken into account when calculating the profitability of the tariff.

Having decided on the main operations and having studied the offers of various banks, you need to calculate the approximate costs of RKO which will be required monthly. It is important not to forget one-time commissions, which are charged at a time when opening an account, connecting to a remote control system, issuing an electronic key, and so on.

In addition to the cost of service, other issues should influence the choice of bank, such as:

• How quickly does it take to open an account (is there an online reservation option)? If you can open an account online, you can immediately receive details with which you can work, and bring the documents to the bank later.
• What is the bank's credit rating? Due to the increased revocation of licenses from banks in recent years, this indicator is especially relevant. After all, even short-term downtime due to the freezing of accounts can lead to loss of profit and other financial difficulties.
• E Are there bank branches in the city where the company operates? The lack of branches may lead to difficulties associated with the speed of decision-making and transactions.

10. Conclusion + video on the topic 🎥

So, do without cash management services these days impossible, however, the advantages of using such a service are obvious. Cashless payments make our lives easier and more convenient.

Despite the fact that RKO entails additional expenses, it significantly saves our time. Any transactions with your current account can be performed online and even through mobile phone.

It is also possible to open an account using online resources, without visiting a bank branch. In a competitive environment, banks are doing everything possible to attract as many customers as possible.

Now we know how to correctly evaluate a bank regarding the profitability of cooperation with it on cash settlement services, and having data on the five main banks we can easily navigate the modern market and make the right choice.

In conclusion, we suggest watching a video about cash management services for legal entities:

And also a video about cash settlement services at Alfa-Bank - an overview of tariffs and benefits of cash settlement services:

We wish you to successfully find your financial partner, cooperation with whom will not only give you confidence and reliability, but will also have a positive impact on the activities of your organization as a whole.

Dear readers of the magazine “RichPro.ru”, we will be grateful if you share your comments, experiences and wishes on the topic of publication in the comments below.

Greetings, friends! Remember the last time you paid in cash at a store? I am sure that most of you use cash for small purchases, paying for most of your purchases through non-cash payments. And if ordinary individuals actively use the capabilities of current accounts, what can we say about enterprises. Today, settlement and cash services for legal entities have literally become an integral part of business, both small and large. It is unlikely that anyone will argue that entrusting a bank with a current account is an extremely responsible and demanding decision maximum seriousness. In fact, all the company’s costs, the security of cash flows and, as a consequence, its profitability are in the hands of the bank. In this article I would like to cover the topic of cash settlement services in more detail, tell you what such a service is, and which bank to look for the best rates.

What is RKO and how does it work?

So, I suggest that you first find out what a current account is, and then move on to the main topic of the review. A current account is a legal account. persons with an independent balance in a banking institution, which is intended for saving money, carrying out non-cash transactions with other legal entities or individuals.

Based on this definition, we can reveal the essence of cash settlement services. RKO is banking services system, with the help of which accounts of individuals and legal entities are serviced, all monetary transactions are carried out in any currencies.

To take advantage of this kind of opportunity, potential clients need to send a certain package of documents to the bank and conclude an appropriate agreement with it. agreement. The legal aspects of RKO are enshrined in the Law “ About banks and banking activities", and are also determined by the regulations of the Central Bank of the Russian Federation.

Checking account- this is the account legal persons with independent balance in a banking institution, which is intended for saving money, carrying out non-cash transactions with other legal entities or individuals

Today, almost no organization can do without RKO. In addition, the need for non-cash money circulation also arises among individuals. It is for this reason that without settlement and cash services, not a single non-cash transaction is carried out, cash is not withdrawn or credited to the account, accounts in foreign currency are not maintained and statements of transactions on current accounts are not issued.

Cash settlement services for legal entities in credit institutions involve maintaining everyone transactions on current accounts. This includes the calculation of salaries, the payment of pensions, scholarships, and other similar payments. It is worth noting that transactions can be carried out both in rubles and in foreign currency.

Composition of services

If we talk about the fundamental services in this area, they can be combined into a single classification:

• non-cash payments;
• cash payments;
• preparation of bank statements for accounts.

When working with accounts and cash transactions, banking organizations use special forms:

• money orders(if we are talking about current accounts for payment) or, as they are also called, “ forms 0401060»;
• cash deposit forms to bank accounts;
• checks, which are issued at the moment withdrawals funds in the form of cash from the account.

Signing an agreement on the provision of settlement and cash services means that the company has the right to receive checkbook. It is one of the main tools for cashing out funds that are necessary to pay the company’s personnel and its other needs.

In order to improve settlement and cash services, many banks offer their clients to use the “ Bank-Client" Its specificity lies in the fact that in addition to the basic package of services, clients also receive additional options such as collection or remote access to current accounts.

However, here you need to be prepared for the fact that if the bank provides the main block of services free of charge or for a minimal fee, then you will have to pay for the related options. In general, there is nothing surprising in this, because, whatever one may say, a bank is a commercial organization.

sign up for cash register service and use it for 2 months for free

What does RKO consist of?

In accordance with the agreement on settlement and cash services, the bank provides clients with the following list of services:

• prompt and uninterrupted flow of funds;
• carrying out foreign exchange transactions;
• reception and delivery cash funds.

To successfully accomplish the above tasks, banks use special financial instruments. Of course, the main one is the current account, after opening which you will be able to gain access to other bank products related to the circulation of finances. These include the following:

Non-cash transactions

This includes prompt execution of client orders, regular notification of incoming and outgoing transactions, and issuance of bank statements. To manage a client’s finances, banks can choose a specific package of services, which will include basic and additional operations.

Companies can interact with credit institutions in two ways:

• Classic, transmitting orders in paper form from hand to hand or through proxies. However, in this case you will have to waste time traveling to the bank office;
• Online. Using Internet banking to manage finances, all payment requests and orders can be completed remotely. This type of interaction is preferred by the vast majority of companies.

RKO tariffs may vary significantly depending on what services are ordered.

Currency operations

If an organization needs to carry out its activities not only in national currency, it also needs to open a foreign currency account, or rather three accounts at once:

• current(to manage the currency already owned by a legal entity);
• transit(to keep track of incoming revenue);
• an account in which records of all foreign currency purchased within the domestic market will be kept.

The package of services for settlement and cash services of foreign currency accounts includes:

• purchase/sale of currency based on company instructions;
• sale of foreign currency earnings in the amount established by law;
• conversion operations;
• accepting payments or sending them for export-import client transactions.

Acquiring and Internet acquiring

To begin with, I propose to find out what acquiring is for an entrepreneur in principle. Imagine a situation where your company is in the process of cash settlement in some credit institution. This means that you can use the service of accepting bank cards to collect payment for goods at your point of sale - acquiring. Financial organizations that carry out this type of activity are called acquiring banks. I would like to draw your attention to the fact that they not only install the appropriate equipment in stores, but also organize events for the use of cards.

An analogue of this service is accepting payments via cards on the Internet. In this case, the terminal for reading information is a special form filled out by the buyer. This type of activity is referred to as Internet acquiring.

Cash transactions

Immediately after concluding an agreement for cash settlement services, an enterprise can issue a checkbook at the bank that will provide the service. An alternative, more modern version of this payment instrument can be considered a corporate bank card. The issuance of such plastic is accompanied by linking the card to your account, on which the credit institution will register all payment transactions, issue statements of turnover and balance, and keep records of funds in the current account.

Collection

A service that is recommended for all businesses that regularly deposit or receive large amounts of funds. The bank will ensure the collection and transportation of cash or any other valuables between organizations, thereby ensuring their safety and security.

Internet banking or mobile banking for legal entities

I’ll say right away that only the most advanced banks provide such services, so don’t be surprised if your credit institution cannot provide you with remote access to your current account.

What should you pay attention to first?

Choosing a bank for cash settlement services is not an easy task. To make it a little easier, I suggest you focus your choice on the following points:

Bank reliability

I’m telling you right away that it’s not worth considering the TOP 30 best state-owned banks. Yes, they are really reliable due to the large number of assets and cash flows within these banks. However, they are clumsy and not flexible enough in terms of document flow and solving non-standard problems. In addition, as a bonus from interacting with these banks, we also receive an extremely picky financial monitoring and currency control department. Considering that freezing our payments out of the blue and demanding a huge list of documents to confirm this or that transfer is a common thing for them, we simply cannot avoid problems at times when payments need to be made quickly.

It is best to give preference to commercial banks with a flexible system and customer focus. Of course, you shouldn’t take your money to some sharashka office, the bank must have a license from the Central Bank of the Russian Federation, but at the same time not strain clients with inappropriately intrusive control, help solve complex and non-standard problems, assigning you a real competent manager It is ideal if the bank also organizes the acceptance of most documents online via the Internet or a mobile bank linked to your cash register.

There is no point in considering the TOP 30 best state-owned banks; it is better to give preference to commercial ones

Subscription fee

The amount of payment for account servicing on the Russian market varies within 500-3000 rubles. It all depends on what package of services is included in this tariff. For example, the availability of 100 free payments per month, reduced commissions or a certain limit without commissions on transfers of funds to the accounts of individuals (simple debit cards), preparation of tax reporting and similar activities. It will be more profitable to cooperate with the bank that, for less money, will offer you the largest number of similar goodies that can save your time, money and nerves.

Cost of payment order

It varies between 15-40 rubles per payment order. The average market value is 23 rubles. In addition, many banks offer their clients a payment transfer service out of turn. Imagine that the banking day at your bank ends at 8 pm local time. This means that all payments on bills will be made strictly before the specified time, and the closer the clock hand gets to the “8” mark, the less chance we have that the payment will be processed before the end of the day. However, for 300 rubles (tariff may vary) we can move ahead in the queue and ensure the transfer of payment within today, discarding other clients for tomorrow. This function works in banks that conduct most transactions manually.

Let's say that your director is leaving on an unscheduled business trip, and he desperately needs per diem or travel allowance right today. Obviously, the money is needed before 9 pm. In this situation, the option with increased priority will be very useful and will eliminate the need to transfer to the employee’s personal bank card.

Commission for withdrawal at the cash desk or by check

Pay attention to the size of the commission: what amount it depends on and at what volumes it decreases or increases. The percentage of commissions on the cash settlement market varies between 0.5-1.5%. There are options of 4-8% of the withdrawal amount, but these are already cash-out schemes. In this case, it all depends on the bank you want to work with and how much you need it.

Strictness of financial monitoring

A very important indicator. Every bank has financial monitoring. You and I should be interested in which of them can turn a blind eye to the partially gray schemes of a legal entity’s work. Even if you work extremely honestly and pay all taxes, I insist that you open accounts in top commercial banks. Be that as it may, giant banks never refuse to redraw documents out of the blue. Therefore it is necessary find the golden mean of bank reliability and its adequacy in relation to clients' financial transactions. I do not recommend opening accounts in little-known or financially unstable banks. Such organizations give the green light to almost all types of activities and cash out everything that moves. Such Robin Hoods live no more than 2-3 years until the Central Bank decides to close their “shop”. Unfortunately, no one guarantees that your working capital will ever return to the accounts of your company after the closure of such a bank.

Accrual on account balance

Many banks now offer a service similar to charging interest on debit card balances. For example, there is an amount of 2,000,000 rubles in your current account. This money is simply collecting dust on the balance sheet, since no movements are expected in the next 1-5 days. This money can be put into internal savings account, where they will be additionally charged 6-9% per annum. This will allow you to roll over the interest and give the money the opportunity to work a little for the benefit of the company, and not just lie on the account as a dead weight. There are often situations when you need to pay suppliers in a week, but the required amount is already in your account. Agree, it would be stupid not to use the money during this downtime.

Operating and payment processing timeframes

This is the time for which payments are made on current accounts in manual mode. In different banks, the terms may differ and vary between 9-20 hours a day. Modern banks offer to make payments for many items automatically. The cooler the bank, the more operations it automates, leaving only the verification of large amounts and foreign currency transactions for manual work.

Internet bank

As with any type of personal account, the main thing here is convenience and time saving for clients. Internet banking allows you to create payment templates, maintain document flow of transactions: sent/signed or awaiting dispatch, in processing, completed, and so on; maintain reports and statistics on completed transactions and amounts. By the way, the Tinkoff and Tochka banks I recommend also have in their arsenal mobile banks for legal entities, which allows you to carry out all transactions on your current account directly from your phone. The most important thing in this case is do not forget about information security. Convenience is convenience, but if you lose or forget your phone, just imagine how much trouble you could get into and how much money you could lose. To prevent scammers from getting to your RKO mobile application, use passwords and secure locking. Talk to your manager and find out what regulations are used in such situations.

Conditions for linking a card

Many banks offer to link a “business card” to cash settlement services. Here you should pay attention to the annual subscription fee, the availability of an ATM network (% for cash withdrawals and monthly withdrawal limits). If this will be more profitable than withdrawing funds by check at the cashier, then why not save your time and use the services of an ATM?

Technical support of the bank and assigning a manager to you

This point is not so important, but it still helps a lot when questions arise for which answers cannot be found in open sources. It’s great if you have a person assigned to you with an internal number or a working mobile phone, who will know who you are and what your work system is. This will solve the problem of endless repetition of the same things on the bank's hotline with constant expectations. Agree, you often have to feel like a parrot when, having explained a problem to an operator, it turns out that this problem is unknown to him, and he is forced to delegate its solution to another specialist. To avoid such unpleasant communication, when opening an account, ask if you can get your manager’s contact information, and then call him to get acquainted and check if you were given the correct number.

Paper question: what documents are needed for RKO?

To open a bank account for individual entrepreneurs, you will need to provide the credit institution with the following package of documents:

• passport;
• an identification number;
• registration number of an individual entrepreneur.

But for legal entities having the status LLC, JSC, PJSC and the like, you will need a thicker package. The credit institution requires from them:

• registration number;
• an identification number;
• Company Charter;
• Order on the appointment of the Director of the enterprise;
• other constituent documents of a legal entity.

You will find more detailed step-by-step instructions on how to open a bank account in my separate article.

Which banks provide the most favorable conditions for cash settlement services?

Remember how we chose a bank where we could apply for profitable deals? Then we went through quite a few credit institutions and reviewed several dozen plastic cards before we were able to find the most suitable option for ourselves. In the case of RKO, the situation is even more complicated. It is not so easy to find a bank that you can completely entrust your money to and allow you to manage the company’s current account. The choice should be based on many factors. I suggest you consider the offers of the two largest banks in the country and decide which one is closest to you.

TKS

Tinkoff, in addition to the SMS alert system, business lending, Internet acquiring and other things, offers a whole two months of free account maintenance and payments. It will be possible to collaborate with the bank remotely through your personal account in the application. The program can be downloaded to a mobile phone or tablet, and you can work with the bank through a browser. In addition, the bank allows you to save time on submitting tax reports, since it independently deals with taxes, fixed contributions and automatically calculates all payments, generates payment orders and reminds you of the need to transfer them. All you have to do is sign the declaration and send it from your personal account.

You can choose one of three tariffs for cash settlement services for your business:

• « Simple 490 rubles per month. The first three payments can be made completely free, and each subsequent payment will cost 49 rubles. To top up your account you will need to pay 299 rubles;
• « Advanced", the cost of which is 990 rubles per month. Within this tariff, you can make 10 payments for free, and all subsequent ones will cost 29 rubles. Unlimited payments will cost customers 990 rubles per month. But for replenishing your account you will have to pay a commission of 99 rubles if the account is topped up at a time with an amount of up to 100 thousand rubles, or 749 rubles if we are talking about an amount in the range of 100-300 thousand;
• « Professional", cost 4990 rubles. Each payment here costs 19 rubles, and purchasing a package of unlimited payments will cost 1990 rubles monthly. Topping up your account costs exactly the same as in the case of “ Advanced» tariff.

Entrust RKO to TKS Bank

Dot

Bank " Dot", which is a branch of the systemically important bank " Opening”, proposes to move the entire account opening process online. Immediately after submitting an application, the entrepreneur is assigned an account number, which can be safely indicated in contracts and transferred to his counterparties. The bank independently notifies the tax office about the opening of an account and informs the client’s partners about the change in details. You can connect to your current account overdraft to insure yourself in the event of a cash gap, accumulated receivables or an increase in turnover. In addition, you can use the services of currency control, acquiring, collection and other lending and insurance services.

Bank offers tariffs for cash settlement services in three categories:

• « Lowcost» with a monthly payment of 7 50 rubles. This tariff plan allows you to make 5 free payments per month and withdraw up to 100 thousand rubles without commission at any ATM. By the way, the ability to withdraw funds automatically solves the problem of how to withdraw money from a current account;
• « Economy» cost 1900 rubles per month– this is an accrual of 7% on the balance in the current account (for those who do not know how to calculate interest, I advise you to read my article “”), 100 free payments per month, the ability to withdraw 200 thousand rubles from the account;
• « Business" behind 7500 rubles per month– 7% per annum on the balance, 500 free payments and as much as 300 thousand rubles, which can be cashed out at any ATM with 0% commission.

Start cooperation with Tochka

Summary

Well, let's summarize? I am sure that after reading this article, you all came to one, common conclusion - today no entrepreneur can exist without cash management services. The advantages of this service are obvious, because the possibility of making non-cash payments helps us make our lives easier, more convenient and more mobile. Even though RKO implies additional costs, such service saves time, since all transactions on the current account can be carried out via a smartphone with Internet access.

I sincerely hope that after reading this review you will cast aside all doubts regarding whether or not to pay for cash settlement services, and begin to save your energy and time by delegating some of the work to the bank. That's all for me. As always, I ask you to share your impressions of cash settlement services in the comments, tell us which banks you order services from and why. In the meantime, I say goodbye, see you soon!

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Settlement and cash services (CSS) for legal entities- a comprehensive bank service that provides settlements to the organization.

Cash settlement services are regulated by the Law “On Banks and Banking Activities”, the Civil Code of the Russian Federation, as well as the regulatory framework of the Central Bank of the Russian Federation, in particular the Regulations on non-cash payments in the Russian Federation, the Regulations on the procedure for conducting cash transactions in credit institutions, and other regulatory documents. In addition, an agreement on settlement and cash services is concluded between the client and the bank.

As a rule, RKO includes the following basic services:

• - non-cash payments;
• - cash transactions (cash services);
• - issuing account statements about completed transactions.

It should be noted that cash settlement services, as a rule, imply the possibility of opening and using not only a ruble account, but also a foreign currency account.

To carry out account transactions, as well as cash transactions, banks use unified forms, the main of which are:

• - payment orders (form 0401060) - for payments from a current account;
• - form for depositing cash into a bank account;
• - cashier's checks - for cash withdrawal.

After concluding an agreement on cash settlement services, the organization is issued a checkbook, which is used to receive cash for the business needs of the enterprise and for issuing salaries to employees.

In addition to basic services, banks also offer additions to settlement and cash services. Such additions include collection services and transactions on accounts through the Client-Bank remote access system.

RKO is a bank service from which it makes money. Moreover, basic services, as a rule, are either free or require small commissions. For additional services, banks charge payment in the form of interest or in the form of a monthly service cost.

Bank CJSC "Credit Europe Bank" represents the following range of cash settlement services for legal entities:

Opening and maintaining accounts

CREDIT EUROPE BANK opens and maintains all types of accounts for residents and non-residents of the Russian Federation in rubles and foreign currency.

Opening an account both in rubles and in foreign currency takes no more than 3 (three) days from the date of submission of the necessary documents to the Bank.

Payments in rubles and foreign currencies

CREDIT EUROPE BANK guarantees the reliability and quality of its operations. We provide our corporate clients with the opportunity to:

• · Promptly receive information about the status of the account and funds received into the account during the operating day and make non-cash transfers.
• · Use Remote Banking systems (Client-Bank and Internet-Bank) to make payments, exchange information with the Bank and manage your accounts.
• · Conduct a search for funds, including by sending appropriate requests.
• · At the request of auditors, inspection bodies, enterprises and organizations, their clients, provide information related to audits.

CREDIT EUROPE BANK offers corporate clients the opportunity to make non-cash transfers through the Bank of Russia Electronic Express Payments (BESP) system. An undeniable advantage of the BESP system is the speed of transfers. Funds are credited to the recipient's account within one business day, which significantly speeds up the turnover of funds.

CREDIT EUROPE BANK offers corporate clients to issue a checkbook.

• · Main benefits and advantages for the client:
• · Reducing costs for collection, recalculation and storage of funds.
• · No costs for purchasing equipment or creating additional infrastructure when servicing cardholders.
• · Guaranteed payment.
• ? Servicing foreign economic activity

CREDIT EUROPE BANK offers its clients the following services:

• · Carrying out payments using the SWIFT system.
• · Valuation of payments by the date of acceptance of the transfer application.
• · Issuance of bank letters of credit.
• · Advising, confirming, making payments, discounting and maintaining documentation for letters of credit opened in favor of the Bank's clients.
• · Issuance and advising of all types of bank guarantees, including guarantees for the return of advance payments, guarantees for the fulfillment of obligations, application guarantees, etc.
• · Confirmation of the authenticity of guarantees received directly from a foreign bank.
• · Development of individual payment schemes.

Currency control:

• · Conducting examination of export/import contracts and assistance in their development.
• · Registration of transaction passports and settlement services for export/import contracts.
• ? Receiving and issuing cash

CREDIT EUROPE BANK accepts, recalculates and issues cash in the currency of the Russian Federation and in major foreign currencies.

Currency exchange operations

CREDIT EUROPE BANK, being a member of the Moscow Interbank Currency Exchange (MICEX), offers its clients foreign exchange transactions on the domestic money market:

• · Mandatory sale of currency at the MICEX Unified Trading Session with preliminary deposit of funds for sale.
• · Purchase and sale of currency on behalf of clients for rubles with value dates “tod” (today), “tom” (the next business day after the transaction is concluded), “spot” (the second business day after the transaction is concluded).
• · Conversion of one currency into another with value dates “tom” (the next business day after the transaction is concluded), “spot” (the second business day after the transaction is concluded).
• ? Currency control

CREDIT EUROPE BANK offers the following services related to foreign exchange transactions:

• · Conducting examination of export/import contracts and consultations on their development.
• · Registration and maintenance of transaction passports.
• · Settlement services for export/import contracts.
• · Professional advice on the legislation of the Russian Federation in the field of currency regulation and foreign exchange control of foreign trade activities.
• · Participation in negotiations between the client and counterparties.
• · Individual support of client contracts and projects
• ? Cash collection

CREDIT EUROPE BANK offers cash collection services for the bank's corporate clients working in retail sales:

• · Cash collection.
• · Temporary storage of cash on weekends and holidays.
• · Processing (counting, sorting) of cash.

Individual tariffs are set for each client.

Cash settlement services provided by a commercial bank to legal entities form the basis of the modern financial system. Such cases when enterprises pay directly are a thing of the past. Now, in some cases, there are even criminal penalties for attempting to commit such actions.

general information

First, let's find out what constitutes cash settlement services for legal entities in a bank. This refers to the range of services that are provided by a financial institution and which are aimed at ensuring timely settlements of the organization with various entities. The procedure for their provision is regulated by the law “On Banks and Banking Activities”, the Civil Code of the Russian Federation and the regulatory framework of the Central Bank of the Russian Federation. Special attention should be paid to the Regulations on non-cash payments and other regulatory documents. An agreement between the client and the financial institution is also required for work. It should be noted that settlement and cash services can be provided to individuals and legal entities, and not just the latter.

Basic RKO services

After the contract has been concluded, the organization must receive a checkbook. It will be needed to receive cash for employee salaries and the needs of the enterprise. There are basic and additional services. The first include:

1. Issuance of account statements containing information about completed transactions.
2. Cashless payments.
3. Operations with funds (the phrase “cash service” can also be used to refer to this).

Basic services are usually free, or a nominal commission is charged for their implementation. To carry out any of the listed operations, you must use a unified form. The bank receives quite a good income for providing additional services. Some institutions have their own characteristics. Let's take Sberbank as an example. This financial institution provides the opportunity to open an account not only in rubles, but also in a number of other foreign currencies.

Legal regulation

We have already considered what laws and regulations act as the basis for relationships. But they regulate only in general and generally. In addition to the legislative framework, an agreement on settlement services is additionally concluded between a legal entity and a bank. There are no restrictions on the form of ownership for entering into such relationships. When all formalities are settled and open, the enterprise can dispose of its funds to conduct any activity, which does not contradict the law. If this process is being carried out for the first time, then special attention must be paid to the conditions for providing the following:

1. Receiving and issuing cash.
2. Ensuring prompt and uninterrupted movement of funds.
3. Possibility of carrying out transactions with currency.

You can connect other services if you wish, but this depends on the desires and needs of the enterprise itself. If we talk about interaction, then two methods are used for these purposes, from which everyone chooses what is convenient for him:

1. Classical. Provides for the transmission of orders personally on paper or through the mediation of a trusted person. Among the negative aspects, it should be noted that it is necessary to spend time traveling to the bank office, so relatively few enterprises use this method.
2. Online banking. In this case, financial management is carried out remotely. Payment orders and requests are transmitted via the Internet. Due to its speed, flexibility and ease of use, this method is widely used by most organizations.

How is the calculation done?

When the bank receives an order from a company (it doesn’t matter in what way, the main thing is that it is confirmed that the document was sent by an authorized person), then it executes it according to the agreement. For this purpose, it is now considered good manners to use BESP. This abbreviation stands for banking electronic urgent payments. Using BESP, transferring money takes minutes. Although, according to the law, payment must be made within three working days. This is done in case of sudden and unexpected events that disable the system. Although such a quick execution of an order may incur an additional fee. And transfers, even using BESP, will take just three business days. If a bank practices such schemes, you need to think about whether to continue to be serviced by this financial institution. Fortunately, there are plenty of worthy competitors. Take, for example, such structures as Alfa Bank, Sberbank, VTB 24. Cash settlement services for legal entities, if the client does not satisfy the client, you can change the financial institution. Remember that we can vote with our wallets.

Acquiring

All enterprises that are located on the cash register of a certain financial institution can, after signing a separate agreement, make it possible to pay for goods without leaving the point of sale. True, in such cases it is necessary not only to take care of the availability of all the necessary equipment, but also to carry out a fairly significant number of control measures in a timely manner (primarily this relates to safety). The same can be said about accepting payments via payment cards on the World Wide Web. In such cases, terminals replace special forms that the buyer must fill out.

Cash transactions

The previously mentioned amount is used for this purpose. The amounts written out with its help are used to finance the economic side of the enterprise’s activities, pay wages and pay off with suppliers. A corporate bank card has recently become a kind of analogue for a checkbook. When registering it, a special account is opened, with the help of which the financial organization keeps a register of all completed transactions and issues statements with the amounts of turnover and cash balances. Let's consider the example of VTB. Cash settlement services for legal entities in terms of wages for employees are carried out by transferring a certain amount of money to a bank card. But this approach is not convenient for some people, since they are used to being clients not of VTB, but of Sberbank. In this case, an accountant can additionally be sent to the bank, who will then receive the necessary amounts using a checkbook. As we can see, there are positive changes, but until the money transfer process is fully automated, certain obstacles often arise. If you have to travel with a significant amount of money, many large financial institutions offer collection services. It is available after the current account and the corresponding additional agreement have been signed.

Opening an account

This service can be either paid or free. It all depends on the bank's policy. But this amount is not prohibitive even for new enterprises - for such pleasure you will have to pay “only” a couple of thousand rubles. A few hundred more must be paid for servicing the current account. Many financial institutions only charge usage fees in months where there is at least one transaction. Certain deviations from the indicated values ​​may occur in cases where a currency account is opened rather than a ruble account. Abroad, accordingly, there are different prices for these services, which vary depending on local specifics.

Interaction with the tax service

This information will be useful to those who are just thinking about opening an account. The fact is that, according to the legislation of the Russian Federation, when opening a current account, a legal entity must report this to the tax service no later than 5 days after the registration has been completed. If you fail to arrive on time, a fine will be imposed. If you don’t want to understand all the nuances yourself, you can entrust all the issues to a company specializing in this. The approximate cost of such a service will be about 2-3 thousand rubles.

Conclusion

You can tell a lot more about how the cash settlement system works, touching on various nuances and aspects. In general, if an entrepreneur or manager has at least a general understanding of cash management services, this will allow him to better understand the affairs of the subordinate company, which is undoubtedly a significant advantage.