How does the corporate card of Sberbank work. Sberbank corporate card: what it is and how to get it. Use in work

Corporate card Sberbank is payment card of international importance, which is produced specifically for employees of various enterprises. This kind of card can be opened by both legal entities and individual entrepreneurs.

This card allows you to perform the following operations:

• Make non-cash payments by paying for goods and services
• Accept money from senders not only in Russia, but also while abroad
• Make non-cash payment of travel and entertainment expenses
• Make non-cash payment of business expenses
• Carry out cash withdrawals for business expenses

A corporate card is beneficial not only for a particular company as a whole, but also for each of its employees individually. For employees, the card has the following advantages:

• You can receive money in any currency and at any time
• There is no need to transport large cash savings with you
• It is very convenient to analyze spent funds
• When traveling to other countries, it is not required to open a foreign currency account
• Using the card, you can book a hotel or tickets for travel
• If bank card lost for some reason, blocking it will not cause any difficulties

The card contains the user's personal data (name and surname) and the name of the organization in which he works. The card is valid for three years from the date of issue.

Procedures required for issuing a corporate card

To get a corporate card of Sberbank, you need to do the following:

1. Open a special account that allows you to keep track of actions performed with corporate cards
2. Transfer the starting amount to an open account
3. Submit an application to the bank that you want to receive a corporate card
4. Get ready card

Billing

Corporate cards for legal entities from Sberbank you can apply for free. A corporate bank card of a legal entity is serviced at a cost of 1200 rubles per copy. Servicing the cost of invoices foreign currency is 50 US dollars or 50 euros.

The tariffs also include an initial fee to the firm's account, which is at least 2,400 Russian rubles or 100 US dollars or 100 euros. A plastic card payment systems Visa and Mastercard Business with a special “Budget” tariffing have the advantage of free registration and the ability not to make an initial payment.

Information about the card account of an individual entrepreneur

After an individual entrepreneur opens a current account with Sberbank, he can synchronize it with a plastic card.

Sberbank's business card for individual entrepreneurs allows you to transfer funds to it, which, if necessary, can be easily cashed out. The offer for individual entrepreneurs to open a current account with Sberbank is more profitable than in most other organizations dealing with banking... Sberbank business card for individual entrepreneurs allows you to pay in a convenient way, both on the territory of our country and on the territory of other states.

Synchronized with bank account an individual entrepreneur of a plastic card will allow not to waste time on constant visits to Sberbank branches in order to conduct and control financial transactions... Since almost all necessary cases can be resolved by means of a card, the stay of an individual entrepreneur in queues at a bank branch will be minimized.

Difficulties arising without using a corporate plastic card

If the organization decides to send its employee on a business trip, the accounting department makes a request regarding the costs of air tickets, hotel rooms, daily allowance for the employee and other expenses. After analyzing this information, a decision is made to issue a certain amount to the employee against the account. Money... When an employee returns from a business trip, he is forced to provide many different receipts, invoices and checks as a report.

The reporting procedure can be delayed for a longer period if a business employee of the company has not spent all the allocated funds, or, on the contrary, spent more than he was allocated and needs compensation. And if an employee's inattention on a business trip has led to the fact that any reporting documentation has been forgotten somewhere, the accountant will have problems. The use of corporate cards of Sberbank allows you to avoid this kind of problems.

Why Sberbank?

Sberbank of Russia is recognized as one of the best organizations that issue corporate plastic cards. Over the years of its existence, it has gained a reputation as a reliable financial partner among the population of the country. In addition, the convenient geographical position bank branches and ATMs in most settlements Russian Federation allows you to be sure that using corporate plastic cards will be quick and comfortable.

Service of registration of corporate plastic cards exists in Sberbank of Russia for quite a long period of time, therefore, the reliability and ease of use have already been proven by many companies. Employees of firms who have a corporate plastic card of Sberbank of Russia become confident that there will always be money to pay for corporate needs.

The company's expenses become systematized and clearly visible to the accountant, the accounting workflow is being optimized. All these factors allow us to conclude that corporate cards of Sberbank should definitely be issued!

Special corporate card of Sberbank for legal entities and individual entrepreneurs allows you to facilitate the process of spending money. It also simplifies the management of the current account and provides control over the safety of the operations performed.

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Features of Sberbank Business card for LLC and individual entrepreneur

The Sberbank card for LLC and individual entrepreneurs is issued to the company's current account and requires a special package of services for business.

To understand what a corporate card is and what it is for, a list of its features will help:

• it is a debit payment instrument, but it is possible to open a credit account that will perform the functions of a corporate one, with a business card linked to it;
• the design of a large number of "plastic" for one company is available;
• This product can be used by any authorized employee of the organization;
• each card transaction must be documented;
• when this payment instrument is issued, information about the company and information about its owner is applied to it;
• through Internet banking, you can manage the card (for example, order its issue / re-issue, set limits, change customer data, etc.);
• you can connect one of six options for service packages (from free, with the minimum number of options, to the maximum, the most expensive);
• the deadline for using the card is three years, then you will need to replace the old "plastic" with a new one;
• connection of SMS informing is available to the payment instrument;
• the plastic banking product has a protective electronic chip;
• connected contactless technology PayPass payment;
• business card insurance program works;
• there is a password protection of transactions on the Web.

Functions of a corporate product from Sberbank for business:

• cashless payments for business and other expenses of the company in any country in the world;
• reimbursement of expenses of company employees related to business trips and entertainment expenses, without the use of cash;
• payment of expenses through ATMs in Russia and abroad;
• transfer of funds to other employees of the enterprise;
• acceptance of currency from senders both abroad and at home.

Advantages and disadvantages

Strengths of a corporate product for legal entities and individual entrepreneurs:

• convenient online management of the payment instrument (including setting limits for cards of all employees, viewing their status, etc.);
• reducing the time for checking reports and monitoring money transactions;
• all plastic products of one company are directly linked to its bank account;
• replenishment of the company's balance or cash withdrawal from it through an ATM occurs instantly and is possible at any time;
• step-by-step availability of branded ATMs due to the high density of their placement throughout the country;
• service " Mobile bank»Allows you to easily control expenses for all cards;
• there is no need to issue cash to company employees and worry about the safety of funds;
• there is an option for connecting a free package of services "Easy Start" for entrepreneurs starting a business;
• the Mastercard Business card allows you to save on business trips (bonuses can refund 10% of the cost of tickets on OneTwoTrip).

Weaknesses of business plastic for legal entities and individual entrepreneurs:

• high cost of annual maintenance;
• if you lose your card, you need to block it and write a corresponding statement at the bank branch;
• daily and monthly limits for cash withdrawals are in effect;
• there is a risk of theft of a plastic card and funds from the company's account.

Reviews of Sberbank's corporate clients on the business card indicate the demand for this product and the importance of its use. modern companies in their activities.

What the map looks like

Externally, corporate "plastic" differs from other Sberbank products only in color and design.

The business card looks like this:

Photo gallery

Business card MasterCard Business- Visa card with a unique design

Types of corporate cards of Sberbank

Sberbank issues Business cards that work with two payment systems - Visa and MasterCard. They can be credit or debit, as well as oriented to use domestically (in rubles) and abroad (in dollars / euros). Thus, a business card allows you to make payments outside of Russia, refusing to pre-purchase currency for foreign business trips of the company's employees.

The Sberbank corporate card for legal entities and individual entrepreneurs is of the following types:

• "Budgetary";
• to the main account (corporate);
• to the business account.

A special business account in rubles is opened for a “budget” payment instrument (Visa / MasterCard Business). Money is credited to it for making transactions with corporate cards.

Corporate is a universal banking product that does not require the creation of a special account and initial deposits. To register it, an entrepreneur needs to have a current account to which ruble payment instruments will be attached.

"Plastic" attached to a business account is opened in three currencies (rubles / euros / dollars).

In order to reduce expenses on a Sberbank business card, start-up entrepreneurs are offered the Easy Start package. Under its terms, the first year of servicing "plastic" will be free.

How to open a card for a legal entity (step by step instructions)

In order to issue "business plastic", representatives of a legal entity or individual entrepreneur need to perform the following steps:

1. Collect papers for opening an account and cards. These include the constituent documents, the certificate of registration of the company, the passport of the company representative and the persons on whom the plastic is processed.
2. Open a corporate account that will allow you to keep records of transactions on payment instruments issued to the company's employees.
3. Transfer the amount to the balance (not less than the cost of the annual maintenance of the issued cards).
4. Fill out an application for receiving corporate payment instruments. An online application form is possible (on the official website through the system " Sberbank Business Online"), As well as at the bank branch. It is allowed to order several plastic instruments at the same time.
5. Transfer to specialists credit institution data on those employees of the company who will become the owners of business cards. Also, opening is impossible without specifying the limits for spending funds for each issued banking product.
6. Receive plastic in 1-1.5 weeks at a bank branch.

Via Business Online

An application for the issue of corporate plastic is made in a few minutes using the Sberbank Business Online service, which allows you to complete this operation without leaving your office / home.

Holder creation

Issuance of business cards is impossible without registering the company's ruble current account. Therefore, if it is not yet open, then it is necessary to create it.

The sequence of actions for the formation of an application for registration of a corporate account:

1. Open the Sberbank website.
2. Go to Personal Area firms in the Sberbank Business Online service.
3. In the "Services" section, click on "Corporate cards", and then on the "Start registration" item.
4. In the window that appears, click on the plus button and enter the values ​​of the required parameters. Fields with a white background must be filled in manually.
5. Choose a ruble current account for working with corporate cards.
6. Check the correctness of the data provided.
7. Save the document.
8. Wait until the procedure for checking the correctness of the entered details is completed. If errors are found, the "Document Check Results" window will appear. It contains a list of found gaps and warnings that should be resolved.
9. Sign the generated statement by clicking the button that shows a pen. As a result, it will receive the "Signed" status.
10. Send a ready appeal for consideration. To do this, you need to click on the button with an envelope located on the toolbar.
11. After a few days, check the "Message from the bank" tab. The results of processing the application by Sberbank specialists should be displayed here.

Sberbank Business Online login page Start Design Tab Application for registration of a current account Bank Message tab Window with a list of applications for registration of a current account for working with business cards

Application for ordering a card

The procedure for issuing new business cards through the Sberbank Business Online system is as follows:

1. Open the bank's website.
2. Follow the link "Small business and individual entrepreneurs" and enter your Personal Account by clicking on the item "Sberbank Business Online".
3. In the "Services" section, select "Corporate Cards", "Applications" and "Application for the Issue of New Business Cards".
4. In the window of the list of applications for the issue of new corporate products, "click" on the "plus" button. As a result, a page with an application form for the release of a plastic product will appear. The date of the request, the details of the department of the bank branch (where the application is sent to), the company account (marked "Business account"), the type of "plastic" are indicated here. Also at this stage it is required to set the parameter "The consent of the cardholder to provide personal data has been obtained."
5. Create a list of users with business cards. You need to enter the following information about the owners of payment instruments: full name, passport data, address, TIN, date of birth, phone number, e-mail, etc.
6. Check the correctness of the information entered in the application form and click the "Save" button. After that, the system will check the filled in fields for the correctness of the data provided. If errors are found, the window "Document verification results" will appear. It contains a list of found bugs and warnings.
7. Check the results of data processing in the "Information from the bank" tab.
8. The readiness of the card will be notified in the form of a letter from Sberbank.

Sberbank official website, section "Small business and individual entrepreneurs" Window of the list of applications for the issue of new corporate cards Electronic form applications for the issue of new corporate cards Corporate card holder tab Document Scan Results window

Through the bank

To issue a corporate bank card at a Sberbank branch, legal entities / individual entrepreneurs must go through the following steps:

1. Opening a business account.
2. Transfer of the initial payment. The amount credited must be equal to or greater than the annual card service fee.
3. Filling out an application for the issue of a Sberbank business card. An unlimited number of payment instruments can be immediately connected to the company's current account.

Opening an account

The procedure for creating a business invoice is free and takes a little time, however, you have to pay for its annual service.

To open a current account of a company in a bank branch, you will need:

1. Contact the corporate customer service department.
2. Issue an application expressing the desire of the company's owners to create an account for the subsequent issuance of business cards to it.
3. Provide constituent documents.
4. Submit an identity card (a person who represents the interests of an individual entrepreneur or a legal entity).

The following information is indicated in the application:

• the name of the bank branch to which the application is submitted;
• TIN of the company;
• full company name;
• date;
• the name of the company that will be displayed on the card;
• account currency.

Making a down payment

The account should be credited with its annual maintenance fee.

The down payment can be made in cash in one of the following ways:

• through the cashier at a Sberbank branch;
• through an ATM.

Actions of a bank client when making a transaction to replenish an account at the cash desk of a Sberbank branch:

1. Visiting the department during working hours.
2. Presenting your passport to the operator and reporting necessary information about the account to which the funds will be credited and the amount of the transfer.
3. Cash deposit, including the amount of the commission (it is paid by the sender of the money).
4. Payment confirmation. The received check must be kept until the moment when the funds are transferred to the balance of the company.

The cashier will need the following information to complete this transaction:

• account details of the recipient company;
• transfer amount;
• information about the bank branch where the account was opened (you need to know its number and address).

Algorithm of actions for a person who wants to replenish a corporate account in cash through an ATM / terminal of Sberbank:

1. Find out the ID-code. To transfer cash to the company's balance sheet, you need to obtain an ID-code. You can get it from the operator in the department of the bank where the account is serviced. Each authorized person with the right to deposit cash on it must also have an ID-code.
2. Find the nearest ATM.
3. Press any button on the device.
4. Go to the menu section - "Payment for services".
5. "Click" on the item "Deposit cash to the current account".
6. Enter the ID-code, and then specify the account and amount.
7. Add cash to the bill acceptor and confirm the operation.

You can also top up your account cashless way... To do this, you will need an ATM / terminal and a bank card with the required amount on the balance.

The sequence of actions when depositing money to the organization's account through an ATM using a card:

1. Insert bank "plastic" into the device.
2. Find a company in the list of templates. If it is not there, then fill in the fields with the details manually. It indicates: KPP, BIK, TIN, correspondent and current account, full name of the organization.
3. Indicate the purpose of the payment and its amount. At this stage, it is important to write for what purpose the operation is being performed, otherwise the organization may receive a penalty for misstatement of reporting.
4. Select the "Write off from the card" section.
5. Confirm the transaction.
6. Take and keep the check.

It is important to know that funds deposited before 23.00 (on weekdays) are credited to the business account on the same day. However, if you make a transfer later than this time or on weekends, then the money will be received on the next working day.

You can also replenish your account by transferring funds from another account / card through the Sberbank Online service.

This can be done as follows:

1. Log in to the system on the bank's website.
2. Go from the main menu to the section of payments and transfers.
3. Select the point of transfer / exchange of money.
4. In the menu that opens, select the item "transfer to a private person".
5. Fill in the details for the transaction (including the addressee's account number, BIK bank, its name).
6. Indicate the amount of the transfer.
7. Mark the source from which the money will be debited (account / card / deposit).
8. Confirm the operation being performed. To do this, enter one-time code from an SMS message received from the bank.

Registration of applications

To issue a business card, you need to fill out an application form.

The application form includes the following details:

• Company name;
• the account number to which the ordered "plastic" is attached;
• place of issue of the card;
• type of payment instrument;
• personal data of the employee (full name, citizenship, date and place of birth, position held, passport series and number, migration card (for foreigners), TIN, SNILS, address (stay / registration));
• account currency (rubles, dollars, euros);
• contact information (home / mobile / office phone number, e-mail).

At the stage of registration of "plastic", a limit for the expenditure of funds is also set. After some time, it can be increased / decreased; this does not require a card re-issue. An authorized representative of the company will need to provide Sberbank with a new register indicating the limits.

From the moment the application is submitted until the employee receives the business card organization will 7-10 days.

Card activation

Sberbank's business card can be activated in three traditional ways, which are suitable for making a similar transaction with other bank "plastic".

Variants of this procedure:

1. Automatic. Usually it is carried out within 24 hours from the date of registration / issuance of the card.
2. Manual. The owner of the payment instrument can activate it using the terminal / ATM. He needs to insert "plastic" into the device and perform any action with it (for example, make a request about the balance of the card).
3. Through the cashier financial and credit organization... To do this, you need to contact the operator of Sberbank and follow his recommendations.

Activation of a business card is not possible if there is an amount less than the established limit on the company's current account (or there is no money at all).

Business card tariffs

Tariff plan for issuing and servicing corporate cards:

Since the bank's tariffs may change, how much it costs to service a business card should be checked on the bank's website.

Current limits

Limits for basic operations with business cards:

Setting and changing limits

You can set a limit on a corporate card using the Sberbank Business Online system. To perform an operation to change the expenditure restrictions on "plastic" for a business, you must fill out an application.

Algorithm of actions of an authorized person of the company for filing an application for changing the limits on corporate cards through the Sberbank Business Online service:

1. Log in to the Sberbank website in the Personal Account of the online service.
2. Go to the "Services" section, then to "Corporate cards", "Business cards management", "Setting and changing spending limits". As a result, a list of applications for changing the limits on payment instruments will open.
3. Create a request for making adjustments to the limits of corporate cards in one of the following ways. The first is the formation of a new document, and the second is the creation of a copy of the existing application.
4. Go through the procedure for signing a ready-to-send application. To do this, click on the button with the handle.
5. Send the generated appeal to the bank for further processing. To do this, choose required document in the list and "click" on the "letter" button.

As a result of performing these actions, an application for re-issuing a corporate card will go to the bank for processing. In a few days, you can go to your Personal Account, to the "Information from the bank" tab, and find out the status of the submitted application.

1. In the form with a list of applications for changing restrictions on business cards, "click" on the "plus" button.
2. In the window "Setting / changing consumption limits" fill in the fields with a white background manually, and gray - by selecting values ​​from the list.
3. Create a list of business cards whose spending limits are subject to change. To do this, click on the "table with plus" button.
4. In the window for creating a record, indicate the number of the "plastic" and the size of the restrictions. You can set a monthly limit for everything expense transactions(by default, the card has a limit of 15 million rubles). Also, here you can define the maximum amount for withdrawing money per month (maximum 5 million rubles for all cards). In addition, there is a limit on non-cash transactions per day and cash withdrawals per day.
5. Before you save the application, you need to check its contents.
6. After pressing the "OK" button, the system will check the correctness of the entered data. If there are no errors, the application will appear in the list of requests for adjusting card limits. In a situation where shortcomings are found, they should be corrected.

To create a copy of an old appeal, you must:

1. In the form with a list of applications for changing the restrictions on business cards, select the document that will be adjusted.

Window "Setting / changing consumption limits" "Add business card record" window Bank Information tab Window of the list of applications for adjusting the limits on corporate cards

Service packages

For their clients, Sberbank specialists have developed five service packages that can be connected to corporate payment instruments. There are proposals aimed at both novice entrepreneurs and experienced businessmen.

Tariffication for Sberbank business cards:

You can connect Mobile Banking to a business card, which will allow you to:

• promptly receive up-to-date information on account balances and status of payments, history of transactions performed, reports, statements, etc .;
• make calculations in a user-friendly interface;
• use templates to quickly carry out various operations;
• manage all business cards.

How to use a Sberbank Business card

When using a corporate card, do not forget that all the money credited to it belongs to the company. Therefore, the funds at the disposal of an employee of the company are allowed to be spent strictly according to their intended purpose and in the interests of the business.

The use of a corporate card for personal purposes is prohibited.

If there is a need to make a payment using corporate "plastic", then the accountant must replenish it from the organization's account. In this case, the purpose of spending the funds must be indicated. In the future, the credited money can be cashed (through an ATM / cash desk of the bank) to make payments for goods / services. Also, this transaction can be carried out by bank transfer by transferring funds to the account of the seller / contractor.

After completing the task / order of the employer, the employee of the company must submit to the accounting department documents confirming the expenditure of funds (for example, an invoice / receipt), and checks from an ATM / cash register. On the basis of the provided securities, an advance report on the amounts of money spent is created.

The rules for using a business card are instructions for handling corporate "plastic", which must be familiarized with each authorized employee of the company. Only a trained company representative can work with this payment instrument.

Instructions on how to use a corporate card should be carried out within the company.

Terms of use

Rules for using corporate "plastic", taking into account the key aspects of accounting:

1. This payment instrument is the property of the bank, not the company, so there is no need to reflect the cost of its issue in the transactions.
2. The amount of money withdrawn from the card does not pass through the checkout.
3. An employee of a firm who is a user of a corporate banking product, must provide the accounting department with documents for the funds spent. Otherwise, the amount withdrawn from the company's account is considered misappropriated and will be recovered from the employee of the organization.
4. This type of "plastic" cannot be used for payments wages and other social contributions.

Cash withdrawal

The owner of a Sberbank business card can withdraw money in the following ways:

• via ATM / terminal;
• at the bank's cash desk.

To receive cash, you can use the services of both Sberbank and third-party financial institutions. It is more profitable for the owner of the payment instrument to withdraw money from a branded ATM, because cashing an account with other banks requires additional commission fees.

The video shows the process of cashing out funds from a bank card using a Sberbank ATM. Photographed by the channel: "RusCreditCard".

Cash

In order to transfer money to the company's account, you can use one of the following methods:

• through an ATM in cash;
• by transferring from another account / card;
• deposit of funds to the bank's cash desk;
• using the Sberbank Business Online service (for this you need to send the required amount from another account / card).

Money transfer

Features of transferring money from business cards:

• firm funds can be easily transferred between corporate payment instruments within the same organization;
• transfer of funds to business “plastic” of another company / entrepreneur is prohibited;
• transfers to cards of individuals are allowed only in a situation when payment for goods / services is made (the addressee of money must be registered as an entrepreneur);
• the Sberbank Business Online service is used as a tool for transferring funds;
• you can send money from the "plastic" of the company to the account / card of a third party (for example, a seller of goods / services) through an ATM / terminal;
• the owner of a corporate banking product cannot transfer money from the company's payment instrument to a personal card;
• the balance of funds from the "business plastic" can be transferred to the company's account.

The video shows an algorithm for transferring money to a firm's counterparty using a business card through the Sberbank Business Online service. Photographed by the channel: "Sberbank for Business".

Accounting features of a corporate card

Accounting for business card transactions has the following features:

1. An accountant can take a statement of cash flows for each issued corporate "plastic". Therefore, you do not need to keep a journal of payments made using these banking instruments.
2. Accounting cash transactions in the company is not associated with cash withdrawal transactions at an ATM or bank cash desk.
3. Accounting for funds transferred by bank transfer from a corporate card or received from it in cash is carried out on account 71. In the Chart of Accounts it is called “Settlements with Accountable Persons”. Here you should separate transactions according to the type of payment instrument involved.
4. All expenses made by the owner of a business card must be documented. Checks, receipts, tickets and other papers are promptly transferred to the accounting department of the company.

Business Card Reissue

Replacing the card with a new one keeping the same number and attaching it to the same account is carried out on the basis of an application. An appeal for a re-release is necessary when the corporate "plastic" was blocked for any reason.

Algorithm of actions for the formation and sending of an application for reissue of a business card:

1. Open the bank's website on a computer / tablet / smartphone.
2. Follow the link "Small business and individual entrepreneurs" and enter your Personal Account by clicking on the item "Sberbank Business Online". Here you need to enter your personal data to enter the service.
3. In the "Services" section, click on "Corporate Cards", then "Business Cards Management" and then on the "Reissuance before the expiration date" item. As a result, information about applications for the replacement of payment instruments will appear.
4. In the form of a list of applications for the re-issue of corporate cards, you need to create the required application. To do this, you can create a new document or make a copy of a previously submitted one.
5. Sign the statement ready to be sent. To do this, press the button on which the handle is depicted.
6. Send a request to replace the "plastic" to the bank. To do this, you need to select the desired document in the list and "click" on the "letter" button.

As a result of performing these actions, an application for re-issuing a corporate card will be generated and sent to the bank for processing. After a few days, you can go to your Personal Account, to the "Information from the Bank" tab and familiarize yourself with the decision on the appeal.

To build a new order, you need to do the following:

1. On the page with the list of applications for the replacement of a business card, "click" on the "plus" button.
2. In the window "Reissue of a corporate card (on loss) before the expiration date" fill in the fields with a white and gray background.
3. In the directory of departments, select the one to which this appeal is sent.
4. Indicate the business card to be reissued. To do this, click on the button to call up their list and select the required one. In the form that opens, the fields "Card type" and "Reason" will be filled in automatically.
5. Check the content of the application.
6. After saving the document, the system will check the correctness of the entered data and the presence of restrictions on reissue. If the "plastic" has the status "Fraud" or "Account closed", then it cannot be replaced.
7. After a few days, check the "Information from the bank" tab in your Personal Account.

To create a copy of a previously generated appeal, you must:

1. In the form with a list of applications for the replacement of business cards, highlight the document that will be corrected.
2. "Click" on the "plus squared" button located on the toolbar.
3. Change the required values ​​in the uploaded application form.
4. Check the content of the appeal and save it.

Photo gallery

Form of the list of requests for reissue of a corporate card Business card reissue page (on loss) before the expiration date Window with the results of checking the application Bank Information tab

Card blocking

The procedure for blocking / unblocking corporate "plastic" is carried out on the basis of an application for the delivery of this payment instrument (change of its status).

The bank's client can suspend the card if it:

• losses;
• theft;
• return to the bank.

Key stages of the process of generating / sending an application for changing the status of a business card:

1. Open the official website of the financial and credit institution.
2. Go to the section "Small business and individual entrepreneurs" and go to your Personal Account by clicking on the item "Sberbank Business Online". Here you need to enter your personal data to enter the service.
3. In the "Services" section, click on "Corporate cards", then "Business card management", and then on the "Blocking corporate cards" item. As a result, information about applications for this type operations.
4. In the form of a list of requests for blocking, you need to create an application. To do this, you can create a new document or make a copy of a previously submitted one.
5. Sign the statement ready to be sent. To do this, you need to click on the button on which the handle is depicted.
6. Send a request for blocking "plastic" to the bank. To do this, you need to select the desired document in the list and "click" on the "letter" button.

As a result of these actions, an application for blocking a corporate card will be generated and sent to the bank for processing. After a few days, you can go to your Personal Account, to the "Information from the Bank" tab and find out the status of the document.

To build a new case, you will need to do the following:

1. On the page with the list of applications for changing the status of a business card, "click" on the "plus" button.
2. In the "Blocking corporate cards" window, fill in the fields with a white and gray background.
3. In the directory of divisions, select the one you need.
4. In the "Operation" field, select the action leading to the change of the "plastic" status (block or unblock). If you need to block the card, you need to fill in the “Reason” field (options are available: “card lost”, “card stolen”, “card suspended”, “card dealt / destroyed”).
5. Indicate the business card to be blocked / returned. To do this, click on the button to call up their list and select the required one. In the form that opens, the field "Card type" will be filled in automatically.
6. In the "Commentary" block, enter in your own words the reason for the suspension of the payment instrument.
7. Before submitting your application, you need to check its content.

After saving the document, the system will check the correctness of the entered data and the presence of restrictions on changing the state of the card. If the “plastic” has the status “Fraud” or “Account closed”, then it cannot be blocked.

Photo gallery

The window for blocking corporate cards Page with the results of the verification of the application Bank Information tab Form of the list of applications for changing the status of company cards

Download the complete instructions for the design and use of a corporate card

Video

The video tells about "plastic" for business from Sberbank. Filmed by the channel: "Sberbank".

V recent times payments on corporate steel cards business as usual for most businesses. These payment instruments are easy to use.

Accounting for corporate cards pretty simple. Experienced accountants generally have no problem recording transactions. Difficulties may appear when drawing up by the employee to whom it was issued. Next, we will consider the features of the reflection of operations.

General information

Corporate cards are bank cards, the funds on which belong to the organization. With their help, the costs incurred by employees are paid for as part of their professional activity.

Can be carried out payment by corporate card travel, business, hospitality costs. This payment instrument is not used for the personal purposes of the employee, the crediting of earnings to it, as well as social benefits.

Views

There are credit and payment (debit) cards. By using last payment is made at the expense of funds on the account of the enterprise, or overdraft.

By credit cards, accordingly, settlements are carried out at the expense of borrowed money provided by banking structure.

Features of the operation

Replenishment is in progress by bank transfer... For this, a payment order is sent to the banking organization.

Funds are spent only using the card. It can be both ordinary non-cash transactions and cash withdrawal.

For corporate cards the limits of settlements established by the Central Bank for cash settlements do not apply. Meanwhile, banking organizations, guided by the recommendations of the Central Bank, can set the limit for issuance. For example, according to Sberbank corporate card the maximum amount is 100 thousand rubles per day.

Benefits of payment instruments

The following advantages of using corporate cards can be noted:

• Control of employee spending. First, all transactions will be reflected in the company's account. Secondly, it is formed, which reflects all the expenses incurred for a specific period.
• The ability to use funds at any time. Access to money on the account is round-the-clock.
• Prompt card blocking in case of problems.
• The ability to use funds on business trips abroad. There is no need to purchase foreign currency when leaving the Russian Federation. At the same time, from Russia you can promptly an employee who is abroad.
• Significant time savings when booking and paying for tickets, hotel rooms.

Notification of the IFTS and funds

Information about the open account should be sent to the FIU, ARIA and tax office... Currently, the notification is sent by the banking organization itself, which serves the account.

Notification is carried out within 7 days (working days).

Important nuances

Corporate cards for legal entities are issued for specific employees of the enterprise, that is, they are nominal.

Reflection of operations in accounting for corporate cards carried out, as a rule, on a separate account.

A bank account can be opened both in rubles and in foreign currency. Moreover, in the first case, there is no need to open an additional foreign currency account. According to the Regulation of the Central Bank No. 266-P, payment by corporate card can also be carried out in a currency different from the account currency. When, for example, dollars are received, the bank's system will convert the required amount (it will automatically translate rubles into dollars).

Purpose of spending

Regulatory acts establish a list of operations that can be carried out in foreign currency using a corporate card:

• Receiving foreign currency in cash abroad to pay for hospitality and travel expenses.
• Payment of expenses (representation / travel) in trade / service organizations in foreign currency outside Russia.

Other transactions are considered illegal. Compliance with the list is monitored by the banking structure.

Local organization document

The company must develop an act that defines the basic rules for the use of corporate cards. In this document you need to install:

• The list of operations and costs that are allowed to be performed by an employee.
• Settlement limits.
• Procedure for providing corporate map report.
• Information about the inadmissibility of disclosing the PIN-code to third parties.
• The term in which the employee is obliged to provide an advance report on the corporate card. In the same paragraph, it is advisable to list the documents that will confirm the information.

Besides:

• By order of the head, the circle of employees who are entitled to receive corporate cards is determined.
• Liability agreements are concluded with the relevant employees.
• Employees-cardholders must be familiar with the procedure for using signature cards.

The return and issue of payment instruments is kept in a special ledger.

Reflection features

Current account accounting conducted at the enterprise on the account. 55. A sub-account is opened for him 55.4.

If it is advisable to create sub-accounts of the second order on the account: "Minimum balance" and "Payment limit".

If the organization has opened several accounts (for each card), then subaccount 55.4 is created for each of them. If several cards of different employees have been issued to one bank account, which make payments within the general limit, the need to maintain analytical records in the context of holders is determined by the company independently.

In cases where a corporate card is tied to a single current account, it is advisable to create a subaccount for the account. 51 or 52.

Accounting for transactions

For convenience, the rules for reflecting operations are presented in the table:

To reflect replenishment corporate card in "1C"the document" Write-off from bank account "is used. It is located in the" Bank and cash desk "section.

Accounting for settlements

There are two options for reflecting transactions: simplified and academic. Their features are shown in the tables.

If the date corporate map report coincides with the day the transaction was reflected in the bank statement, postings are made according to the first option.

Additionally, for both options, the amounts of damage should be taken into account:

Corporate Map Report: Example

The employee who received the funds for the report must provide a document that lists all the costs incurred. Supporting papers are attached to it. The corresponding prescriptions are established in the Procedure approved by the instruction of the Central Bank.

By the order of the State Statistics Committee of 2001, the standard form of the report for AO-1 was approved.

In the form, however, there are no lines in which it is possible to reflect transactions on corporate cards. There are two ways to fix the situation:

• Supplement the standard form. As established in the Procedure, the organization has the right to add additional lines to the unified form.
• Develop the form yourself. Unified forms from 01.01.2013 are not considered mandatory for enterprises. The corresponding provision follows from the Federal Law No. 402.

Let's look at an example. The employee was issued Sberbank corporate card, on which 50 thousand rubles are available. He was instructed to buy a multifunctional device, the cost of which is 110 thousand rubles. In accordance with the payment order, 65 thousand rubles were transferred to the card. After purchasing the device, the balance was 5,000 rubles.

An enterprise accountant supplements the standard report form with several lines. First of all, columns are provided for reflecting the amount of funds as of the date of the start of using the card:

• "Card balance". This line is filled in if the employee did not hand over the payment instrument.
• "Issuance of card No.…". This line indicates information if the payment instrument was issued before the execution of the task.

The balance on the card is recognized under the conditions of the example equal to 0, since the employee was given the card before the execution of the order. The line "Issued card" indicates its number and the available amount.

To reflect the replenishment of funds, the "Payment order" column has been added to the report. The date and document number are indicated here.

The "Total" line must contain the balance of the issued card and the amount of the additional transfer. Under the conditions of the example, the total is 115 thousand rubles.

On the back of the report, the documents with which the employee confirms the expenses should be listed. The employee must indicate the date of expenses and the amount.

Cash withdrawal

When developing a report form, it is necessary to provide for a situation when an employee will not be able to pay for services or goods by bank transfer. Accordingly, the employee will have to cash out the required amount.

To reflect such operations, the following lines are added:

• Withdrawn from the card.
• Cash spent.
• "Entered into the card through the terminal".
• "Cash balance".

All transactions with funds are reflected on the front of the report.

Document receipt

The accountable employee must submit the report to the accountant or the head of the enterprise. After that, the document is checked, then approved by the director of the organization.

The goods and services purchased by the employee are accounted for. The employee receives a receipt for the acceptance of the report - the bottom of the form. If it is not provided in the form developed by the enterprise, the receipt is drawn up in any form.

Form approval

By general rules, the manager must approve the form developed by the enterprise independently. Such a prescription is established in Federal Law No. 402. The same requirement applies if the organization uses a unified form.

Usually sample forms primary documents are given in the annexes to the order on the approval of accounting policies.

Opening an account

To create an account with corporate cards, the company will first of all need the documents required to open a regular bank account. In addition, it is necessary to write an application, the form of which is provided by the bank. It is written for each employee who holds the card. Also attached are documents by which the relevant employees are identified. We are talking, in particular, about a passport, as well as documents confirming labor legal relations with the company (copy of the contract). The bank may request other papers if necessary.

Sberbank of Russia is the largest national banking structure that provides numerous customers with only the highest quality products and products that enhance the level of private and professional life. A unique offer for legal entities and entrepreneurs is the Sberbank business corporate card - the best alternative to the usual checkbook, combining functionality and ease of use.

What is a Sberbank corporate card? Its purpose, features and conditions of use

In the old days, most businesses and organizations used special checkbooks, thanks to which the maintenance economic activity was more convenient. Now new ones are being developed financial products much more advantageous in terms of convenience and safety. One of these options is a corporate card for individual entrepreneurs and legal entities, which can be obtained at any branch of Sberbank. A card of this type is issued for a specific citizen, who uses the company's funds entering the balance sheet, followed by a report on their use.

What is it for?

Sberbank business card is necessary to perform a number of actions in the interests of the enterprise, which include:

• payment for services and purchase of goods for the company;
• implementation of cashless payments;
• payment of travel expenses, as well as expenses for representation;
• non-cash payment for any business needs of the enterprise;
• withdrawal of cash in order to pay for goods and services necessary for the operation of the company.

Types of cards

A corporate card can be debit or credit. Calculations for debit card can be made within the funds on the card. Accordingly, with a corporate credit card, the holder can make settlements within the credit limit established by Sberbank.

The main advantages of a corporate card for owners and employees of the company

Registration of a corporate card opens up many convenient opportunities for owners of any type of business. Thanks to this banking product, they can:

• significantly save time for performing all important accounting operations;
• exercise control over the financial discipline of the company's employees;
• lead accounting statements with maximum convenience;
• significantly save corporate money through control and competent organization.

Such a map is also necessary for company employees in order to improve and simplify many important aspects their professional activities. Owning a corporate card provides the following opportunities:

• free access to finance at any time;
• absence of risks of transportation of large funds;
• withdrawing cash in any currency of the world during foreign business trips;
• convenient booking, as well as payment for travel documents and hotels;
• no need to raise your own funds;
• quick and easy blocking of a bank card in case of its loss or theft;
• easy reporting of all expenses and business trips to the accounting department.

Terms of Use

Sberbank of Russia provides for several important conditions for opening a corporate card and its further use. First, a business must have an open business account. Secondly, it is necessary to draw up a complete register of employees who will use this banking product. Thirdly, it is imperative to set limits on the use of funds and replenish the account.

Due to its numerous advantages, the corporate card of Sberbank receives positive feedback from customers. The presence of this banking product greatly simplifies the full range of financial transactions of the company.

It should also be taken into account that given view the card is not provided for the issuance of wages and the implementation of various social benefits

Current tariffs for using a corporate card

Before activating a corporate Sberbank card, you should familiarize yourself with the current tariffs. The issuance of this banking product is free of charge, and further annual maintenance is carried out in accordance with the selected tariff plan and type of card.

The cost of annual maintenance of the most prestigious MasterCard cards Business and Visa Business opened in Russian rubles, is 1200 rubles, and in foreign countries - 50 euros or dollars, respectively. When opening such cards, you must make a mandatory down payment, the amount of which is twice the annual payment. The annual payment for the "Corporate" option for each cardholder is 250 rubles. A "budget" Visa Business card means both opening and further servicing on an absolutely free basis.

Rules for issuing a corporate card of Sberbank

A corporate card from Sberbank is very convenient financial instrument for business. With its help, you can fully control the turnover of cash and manage expenses with maximum efficiency. Funds deposited through an ATM or terminal instantly go to the corporate card account. For convenient card management, Sberbank Business-Online Internet banking is used, where you can easily apply for issue and re-issue, set optimal limits, and, if necessary, change information about the holder.

First of all, you need to figure out how to create an application for the issue of corporate cards in Sberbank. To do this, you can use Internet banking, or personally visit the bank office where the company's account is serviced to fill out a questionnaire according to the approved sample. In the application, you must indicate the exact number of cards required. The next important step is to set convenient limits for corporate expenses. A few days later, the finished card will be available at the bank's office. Payment of the commission for its annual maintenance is made at the time of receipt.

Features of using the Corporate card

Before starting to use a Corporate card from Sberbank, it is important to take into account that all the funds on it belong to the company, and not to a specific employee, therefore, each financial transaction carried out requires strict reporting in the accounting department. In order to be able to carry out financial transactions, you need to replenish the account with the required amount within the limit. The transfer to a Sberbank business card is carried out as soon as possible, which makes it convenient to use it to pay for business trip employees, to purchase corporate goods, as well as to transfer funds to business partners. The limitation for the use of such a card is payroll and social benefits.

Cash withdrawals can be made at any ATM, both in Russia and abroad. This operation confirmed by the corresponding check, which must be submitted to the accounting department of the enterprise for the report.

Sberbank's corporate card is the most convenient payment instrument that replaces the traditional checkbook and opens up new business opportunities.

By the way, all major changes to the corporate card can be made in Sberbank Business Online.

We also recommend purchasing the service comprehensive insurance corporate card. The entrepreneur can choose the amount of insurance coverage himself. It varies from 20,000 rubles. up to 1,000,000 rubles. Insurance services within the framework of the Corporate Card Insurance Program is provided by Sberbank Insurance LLC (SI license No. 4331 issued by the Bank of Russia on 08/05/2015 for an unlimited period).

The minimum insurance fee is 700 rubles. (with an insured amount of 20,000 rubles), the maximum - 8,000 rubles. (with an insured amount of 1,000,000 rubles) per year.

Debit bank cards, without which we can no longer imagine our life, can facilitate the conduct of non-cash payments not only for individuals. They have also found their way into business. In this article, you will learn about what a Sberbank corporate card is, how to issue and use it.

What it is

In addition to the costs of carrying out core activities, any company spends some part of its budget on:

• household expenses - renovation of premises, stationery for employees, purchase of office equipment and other household equipment;
• travel expenses employees;
• repair and maintenance of official vehicles;
• corporate events - collective holidays, field trips, etc.

Previously, for such expenses, the company's accounting department issued a certain amount for the report of a specific employee, and those who were delayed on business trips had to send additional funds via mail or services remittances... A corporate bank card of a legal entity greatly simplifies all processes:

1. The company's accounting department does not need to receive cash in advance from the bank. Instead, the accountable employee is issued a Sberbank business card, according to which he can independently receive cash from a special current account of the organization through an ATM or pay all expenses by bank transfer.
2. Through the Sberbank Business Online remote service system, a manager or other authorized person can set a limit on expenses for a corporate card, as well as be aware of all expenses of employees on business trips, even in a foreign state.
3. Sberbank's corporate card for individual entrepreneurs and legal entities also allows you to instantly deposit cash to your current account using ATMs. This function is very useful for owners of small shops to independently carry out collection of proceeds and transfer it to a bank account.

The use of a business card does not relieve an employee of the need to report to the accounting department on the amount of funds spent by the company. All checks by cashless payments, cash withdrawal or deposit operations must be saved and attached to the report.

How to arrange

Today, there are two ways to issue a Sberbank business card for your company:

• visit the bank branch where your current account is serviced and apply for the issue of a corporate Sberbank card;
• send an online application through the company's account in the Sberbank Business Online system.

Through the Internet

Entrepreneurs who have entered into an agreement to open a current account with Sberbank are given the opportunity to conduct all their Bank operations remotely, through the Sberbank Business Online system. These are settlements with contractors, registration of salary and corporate plastic cards, payments in the state budget and much more.

Corporate account registration

The mere presence of a company's current account in the bank is not enough to start servicing via the Internet. The head of the organization must visit the corporate customer service office, apply for connection to the system and obtain identification data to access the legal entity's account.

Online application

Obtaining a business card via the Internet will help you save a lot of time, since in this case you need to meet with the bank employees only once - to get the plastic directly. A corporate card through "Sberbank Business Online" is issued very simply, and even the most inexperienced user of the system will be able to cope with this task. To start filling out the online application:

Tariffs for corporate payment instruments

For its corporate clients, Sberbank issues three types of business cards with different service costs. Separate rates for individual entrepreneurs are not provided.

The cost of servicing other types of cards

Through the Sberbank Business Online system you can order not only corporate payment instruments, but also salary for the personnel of the enterprise. Since they will be issued to individuals, the service will be provided at different rates.

Terms of Use

Sberbank's business card is intended solely to pay for the expenses of the company or its employees in the direct performance of official duties - for example, travel expenses, the purchase of fuel for official vehicles, etc. In addition to the limits provided by the bank, the company's management can apply its own restrictions for each a separate payment instrument. This will minimize the risk of misuse of funds and optimize costs.

An enterprise can establish:

• restriction on cash withdrawals within a day or a month;
• daily or monthly limit for non-cash transactions - payments through store terminals, payments through bank terminals;
• general limitation for all expenditure transactions within one month.

To withdraw or deposit cash, you do not need to look for any special device. Corporate cards are also served by ATMs, as are payment instruments for individuals. A PIN code is used for authorization. Checks for all transactions are handed over to the accounting department, where they must be reconciled with the current account statement and kept for six months.

Benefits

As you already know, corporate business card allows you to exclude the issuance of cash to accountable employees. The company gets the opportunity to work without a cash register. This payment instrument can make life much easier for organizations whose employees are constantly on the move. For example, if transport company will issue a business card for its drivers-forwarders who fly long distances, then in the event of a breakdown on the road, they will be able to receive prompt financial assistance to carry out repairs.

This tool will give individual entrepreneurs the opportunity to pay on the spot with suppliers of goods and services. V in this case you do not have to wait for the receipt of funds to the account of the counterparty, as it happens when transferring through remote services.

Sberbank of Russia corporate cards: Video