Russian Standard Bank JSC is a highly specialized retail bank. However, it also provides services to businesses. The bank appeared at the dawn of the formation of domestic banking - in 1993. The editors of the 24Direktor website draw your attention to the fact that Russian Standard Bank is based on the idea of Mezhkombank, which consists in focusing on retail lending using scoring models.
Peculiarities of cash settlement services for legal entities
Russian Standard Bank offers cash settlement services to its clients, which have the following advantages:
- Efficiency of opening an account and submission of settlement details;
- assistance of a bank employee in filling out documents and his departure to the enterprise;
- linking a corporate card to a current account with Russian Standard Bank;
- security of settlements due to the use of the eToken pass key.
Opening a current account with RSB Bank opens up access to a number of other popular services - guarantees and loan products.
Russian Standard Bank offers acquiring, which will undoubtedly expand the client audience. BRS Bank provides corporate clients with merchant and Internet acquiring.
The advantages of merchant acquiring of Russian Standard Bank JSC are as follows:
- online registration in 15 minutes;
- the possibility of buying a terminal, renting it or receiving it in installments;
- preparation of necessary documents within two days;
- installation of the terminal at a convenient time for the client;
- a wide range of payment systems: in addition to the standard Visa, Master Card and MIR - Union Pay, JSB, American Express, Diners Club, Discover;
- receive 24/7 support;
- the ability to choose equipment: POS-terminal, online cash register or a whole set of equipment.
The acquiring tariff depends on the monthly turnover of the organization and the payment system.
Given the increasing spread of online payments, customers will be interested in the service of Internet acquiring. The bank claims the following benefits of this service:
- simplicity, convenience and efficiency of connection;
- security of settlements due to compliance with the PCI DSS security certificate;
- flexible tariff plan.
Availability of mobile acquiring is a competitive advantage of the bank.
With the help of the EMV mobile terminal, an ordinary tablet or smartphone will turn into a real POS terminal for accepting payments.
Work with magnetic and chip EMV cards is carried out with the requirement to provide a signature and a PIN code.
Russian Standard Bank JSC offers favorable lending programs for the organization's clients. This expands the client base of Russian Standard Bank. The credit is made out under one document - the passport. The decision is made in a couple of minutes. The bank offers an installment payment service.
Technological internet bank RSB for progressive business
Russian Standard Bank offers Internet banking on the CORREQTS Corporate platform developed by BSS. CORREQTS is a universal platform for building RBS services. Logging into your personal account opens up the following opportunities for customers:
- formation of a mass payment;
- guaranteed security of settlements;
- the presence of a single window for working with all documentation from various organizations.
Thanks to this, the Internet bank from Russian Standard Bank JSC deservedly ranks among the top five most effective services for small business start-ups. The study was conducted in 2016, but continues to be relevant.
For users of smartphones / tablets on Android and iOS platforms, Russian Standard Bank has a mobile bank "RS Business Online" - an application that was also implemented by BSS. Its installation allows the client to:
- monitor account balances;
- sign and send payments;
- pay taxes;
- create payment templates;
- receive account statements.
All this can now be done with a smartphone.
The security of working with the application is guaranteed by the fact that the entrance is carried out using a login and password, or an individual PIN code. The application is tied to a phone number.
So, the editors of the site "site" conducted a study and found out that Russian Standard Bank JSC is focused primarily on working with the retail business. However, its solutions for corporate business have interesting features. Now it is possible to expand the client base by providing the opportunity to obtain a profitable loan from the bank.
Update date: 09/20/2018 Choosing a bank to open a current account is a responsible and important matter. Today, the banking services market is full of proposals for servicing legal entities. The total number of banks in Russia is more than 800, and almost every one of them offers a cash settlement service (cash settlement service).What you should pay attention to when making your choice in favor of a particular financial institution:
1. Reliability of the bank.
2. Location.
Most clients prefer banks located close to their place of work.
4. Deadlines for opening an account.
1. "Sberbank of Russia", OJSC
To open an account for a legal entity in Sberbank of Russia, in addition to the standard package of documents, it is necessary to provide the original lease agreement.
The account opening procedure will take from one to three days.
The cost of opening an account is 2000 rubles.
The fee for the most popular packages "Basis", "Active", "Optima" will be from 2200 to 3100 rubles / month.
The current account of Sberbank is a tariff package that initially includes a certain set of services, such as:
- account management;
- Client - bank;
- making electronic payments;
- acceptance/disbursement of cash (from 0.7% to 1.6% depending on the purpose);
- issuance of account statements, duplicate statements upon request (free of charge).
Pros:
- a large network of branches;
- many cash transactions;
- notarization of constituent documents is not required when opening accounts;
- low cost of operations and services.
- low quality of service;
- availability of queues during operations in branches (not all branches have an electronic queue);
- long processing of requests (up to 10 days);
- poor technical support.
2. "Gazprombank", JSC
OAO "Gazprombank" is one of the three largest financial institutions in Russia with a well-developed network of subdivisions.
Terms of consideration of documents - up to 14 days.
It should be noted that "GPB" requires notarization of constituent documents.
Maintaining a current account in a bank is classic: payment is made not in a “package”, but for each transaction performed separately.
Account opening fee - 2500 rubles. Account maintenance is free. The cost of a payment order is 13 - 100 rubles. Cash withdrawal - from 0.3 to 1% of the amount. 
Pros:
- comfortable service;
- a wide range of services;
- payment on the fact only for completed transactions.
- it is necessary to provide an extended package of documents;
- long period of documentation verification;
- it is possible to leave the Security Service of the Bank at the address of registration of the legal entity. faces
- outdated technologies (the "Client-Bank" program does not work with Windows 8).
3. "VTB 24", CJSC
Opening a current account at VTB 24 Bank will take a little time (up to three days, often less) and a little effort: when opening an account, employees do not ask unnecessary questions, do not check the location of the office.
The bank offers a package form of cash settlement with a wide range of services. The first month the client is served as part of the starter package, then he has the right to switch to the most suitable one, depending on the specifics of the work.
For opening an account, VTB 24 charges a fee of 2,000 rubles.
R / s service - 1200 rubles.
Payments in electronic form / on paper: 25 rubles / 60 rubles.
For the issuance of cash, VTB 24 takes 1% (the amount is limited - 500,000 rubles per month).
The cost of the most balanced package of services "Business BKO" is 3000 rubles. The same fee, but an expanded list of services, is also provided in the "Borrower" package for legal entities using bank loans.
- quality service;
- fast processing of requests;
- the ability to change the service package for free;
- provision of services upon request of information from the Unified State Register of Legal Entities;
- deferral of payment for cash settlement up to 20 days.
Flaws:
4. "Rosselkhozbank", OJSC
In order to open a settlement account for an LLC in Rosselkhozbank, you have to pay 2,000 rubles.
Monthly maintenance of the account will be 800 rubles. When a client uses RBS (remote banking), maintaining an account is cheaper - 200 rubles per month. Payment of payment orders - 30-60 rubles.
- the possibility of accruing interest on the balance of the account;
- available rates.
- not the lowest rates for services.
5. Alfa-Bank OJSC
OJSC "Alfa-Bank" is a private bank of the Russian Federation, which is part of the "Alfa-Group". It has a sufficient number of branches in Moscow and other large cities of the Russian Federation.
Having decided to open a current account with a bank, you can use the services for booking an account online, which will allow you to immediately receive account details. The bank also provides a free service - a manager's visit to open an account if it is not possible to visit a branch. The cost of opening an account is 0 rubles. Payment of payment orders - 0 rubles - in electronic form, 150 rubles - on paper.
Package service, the price of packages is from 555 to 6900 rubles per month. When paying in advance, a discount of 25% is provided. The bank also offers the issuance of an Alfa-Cash card, which is linked to a current account.
- convenient services;
- quality service.
- high cost of services;
- high control and exactingness to client documents and operations.
6. FC "Opening" (former "NOMOS - Bank")
You can become a client and open a settlement account of an LLC with Otkritie Bank without leaving your office by filling out an application on the bank's website for a specialist to visit.
The cost of opening an account is 1000 rubles.
Maintaining an account - 800 rubles without using the Client-Bank, with the use of remote banking systems - 200 rubles.
Payment of payment orders - 22 - 30 rubles.
The commission for cash withdrawal is "tied" to the amount, for example:
withdrawal of cash from the Client's accounts (up to 1,000 thousand rubles per month) - 11,400 rubles
- end-to-end service in any branch in the city where the account was opened;
- SMS informing on the movement of funds on the account;
- the possibility of establishing an overdraft facility;
- personal client manager.
- few offices.
7. "Promsvyazbank", OJSC
Opening an account for a legal entity at the tariffs of Promsvyazbank will amount to 590-990 rubles.
Maintaining an account will cost from 550 rubles to 14,300 rubles per month.
Payment can also be made in advance for three months, six months, a year, while the cost of the service will decrease.
Currently, until August 31, 2014, Promsvyazbank is holding a promotion to open an account for free and save up to 21% on annual maintenance. Customers are offered a choice of different tariff packages. The bank also offers free connection and maintenance of the PSB system - online with a high degree of protection through the use of USB keys.
Pros: 
- the ability to book an account and receive details online.
- high degree of protection of payments when using RBS.
- high rates for cash withdrawal: from 0.4% to 12% of the amount.
8. "Rosbank", OJSC
Joint Stock Commercial Bank Rosbank OJSC is a universal commercial bank.
For customers with an annual turnover of up to 60 million rubles, Rosbank offers six tariff packages.
The bank also provides preferential rates for cash settlement services when purchasing other banking products or services, such as: a salary project, a deposit, a loan or a bank card.
The average cost of opening an account with Rosbank is 1200 - 1500 rubles.
Maintaining an account - 450 - 1300 depending on whether the remote banking system is used or not.
- a unified approach to billing - the client pays only for what he chose, there are no imposed / unnecessary "options".
- accrual of interest on the balance of funds on the account over 300,000 rubles in the amount of 2 - 4%.
- preferential tariffs/conditions can only be obtained by "connecting options to the load".
- high "price" cash advance: from 0.5% to 10%
9. "
Raiffeisen Bank, CJSC
The bank offers legal entities comprehensive package services depending on the turnover and size of the company.
The package of services for a developing company "Basic" provides for a monthly payment - 1200 rubles, while opening, maintaining an account and servicing the "Client-Bank" are included in the package price.
Payment orders in the amount of 20 pieces per month are also included in the package, moreover, their cost is 25 rubles in electronic form and 120 rubles on paper.
- as part of the package, trading terminals can be provided for use and a salary project is offered on preferential terms.
- loyal conditions for a novice entrepreneur
- many imposed "options"
10. Russian Standard Bank, CJSC
Opening a current account will cost 1500 rubles.
Service - 500 - 2500 rubles.
The cost of payment of PP 25-70 rubles.
- moderate account opening/maintenance fee
- Settlement and cash services for legal entities are carried out only in Moscow.
*Price policy for RKO depends on the regions. All rates are given as an average for the country.
Russian Standard Bank is the largest in the Russian Federation, it is almost on the very first lines in issuing and servicing credit cards in the Russian Federation. RSB issues and serves them. The bank also provides such services as deposits of individuals, various transfers, various kinds of savings and savings accounts, as well as payments and the recently appeared Internet banking service.
Type of loan or loan
Russian Standard also issues credit cards of international standard, such as Visa, Master Card, American Express. This organization issues various kinds of express loans to buy a certain product.
There are several types of loans. Below are each type of loan and an explanation:
consumer credit. Russian Standard Bank provides consumer loans up to 1 million rubles for the purchase of various household goods. The repayment period cannot exceed 48 months. The interest rate for this type of loan will be from 19% per annum. This type of loan can be issued via the Internet (on-line), this is possible if you make a purchase in an online store.
Cash loan. It can be obtained in the amount of up to 300 thousand rubles, for a period of not more than 48 months, and the interest rate will be from 36% per annum.
Russian Standard Bank issues credit cards with a certain limit. For each client, such a limit is set individually, it depends on the reputation of the client, and his level of income. The maximum limit is 750 thousand rubles. The repayment period is up to 5 years, and the interest rate starts from 28%.
For modern people who want to use the services of this bank, you can order a card online in Russian Standard. This is done very simply on the official website of this organization.
Russian Standard has the exclusive right to issue American Express credit cards in Russia. The cards of this bank are very common and popular all over the planet, so their holders get a lot of useful and profitable. With them, the client can, for example, receive discounts around the world in various hotels, shops, cafes and restaurants.
For modern and advanced people, there is an opportunity to apply and receive an online Russian Standard card via the Internet (online). After, if your application is approved, a bank employee will call you and call you to the office to complete the procedure for issuing a credit card.
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Among the services provided by Russian Standard Bank, the acquiring service is also of interest. It allows you to make non-cash payments using an electronic terminal. Among the advantages, it can be noted that acquiring at Russian Standard Bank is connected in a fairly short time - after 2 calendar days.
The acquiring service for individual entrepreneurs and LLCs in Russian Standard Bank is represented by two types - merchant and Internet. Its choice depends on the specifics of your business. In addition, tariffs may differ - what it depends on and how you can apply for connecting the service will be described in detail in this article.
Benefits of acquiring at Russian Standard Bank
By making an acquiring connection, you can evaluate the advantage of Russian Standard Bank over other organizations:
- An extensive list of serviced cards and payment systems. Russian Standard allows you to accept non-cash payments from any banks, including those located outside the Russian Federation and use all known payment systems for payment - WebMoney, QIWI, Yandex.Money.
- Russian Standard cares about the safety of its clients' funds and provides reliable protection for your funds. The security system is certified by Trustwave, which is the pride of the bank.
- Ability to track all transactions. At any time, you can request information on all operations with cards, being anywhere in the world. This is achieved thanks to the OMS online service, which you will get access to when acquiring is connected.
- Information support with the necessary material. Russian Standard provides its customers with comprehensive information so that you can train your employees to work with the terminal.
- 24/7 support. You can contact the representatives of the bank at any time in case of problems. Bank employees will troubleshoot and advise you on any issues in a short time.
- Modern technologies. The constant introduction of technological innovations provides acquiring from the Russian Standard with universality. The service is available for any companies, regardless of their type of activity.
Merchant acquiring in Russian Standard Bank
You can apply for acquiring at the RSB bank and get an instant response (about 15 minutes). If your application is approved, POS-terminals will be delivered to you - this takes no more than three calendar days. An employee of Russian Standard arrives to connect the equipment, he will also bring a package of documents for concluding a contract for the provision of services. You can also call the hotline at any time.
Acquiring will have a beneficial effect on the activities of your company. It will appear as follows:
- An increase in the number of buyers - your goods and services will be able to be purchased by those who are used to paying by bank transfer.
- The turnover will increase. According to studies, people spend 1.5 times more money through electronic terminals than when paying for goods or services in cash.
- Counterfeiting is very common in trade. But it is possible only with the sale of banknotes. You protect yourself from a significant risk by introducing an electronic terminal into the purchase and sale process that allows you to pay with plastic cards.
- Acquiring allows you to reduce the cost of the collection service. Cashless payment spends much less time and reduces the likelihood of errors in settlements with the buyer to a minimum.
- Competitiveness. Acquiring is able to recommend you as an entrepreneur who keeps up with the times, compete with other companies and look presentable in their eyes.
- Acquiring allows you to improve the level of service. Its implementation shows that you care about your customers.
Tariffs for merchant acquiring at Russian Standard Bank
The bank provides several tariffs. The cost of acquiring at Russian Standard Bank depends on various factors. The table clearly demonstrates the application of tariffs.
Pos terminals
Russian Standard is ready to offer several types of POS-terminals:
Terminal service
You will need to pay 1,000 rubles (the amount including VAT) for connecting each POS terminal. A bank specialist will set it up and provide service.
Internet acquiring at Russian Standard Bank
If you sell your services or goods online, an Internet acquiring service is available to you. It does not require special equipment. All you need is an internet connection. Internet acquiring at Russian Standard Bank allows you to increase business turnover.
The advantages of Internet acquiring are as follows:
- Russian Standard is ready to choose the best service option for each client. The Bank provides a high-level service, which includes individual work with each client.
- Simple decoration. You do not need to go to a bank branch. From the moment of submitting an application on the Russian Standard website until the moment of connection, no more than 2 days will pass.
- Ensuring the safety of funds. The Bank assumes all obligations to provide security to its customers. It is regulated by the PCIDSS certificate and is based on the use of the latest 3d Secure technologies.
Russian Standard Bank JSC is one of the largest federal commercial banks in Russia, founded in 1999.
Its main activity is lending to the population and servicing business clients. The Bank provides a wide range of services to individuals and legal entities - from acquiring and overdraft to conversion transactions and international settlements.
Advantages of settlement and cash services in Russian Standard
Individual entrepreneurs, organizations and individuals engaged in private practice (for example, notaries) can open a settlement account in Russian and foreign currencies. In addition, clients receive a whole range of services that allow them to control the movement of funds on their account as comfortably and productively as possible.
The advantages of cooperation with Russian Standard Bank include:
- receipt of account details on the day of submission of documents;
- assigning a personal manager to the client;
- favorable conditions for servicing the account;
- filling out documents for opening a bank account with the help of a bank manager;
- provision of a corporate card for the convenience of using the account;
- security of payments made thanks to the one-time password generator eToken PASS;
- use of a new generation Internet bank - Correqts corporate;
- Possibility to apply online.
Business clients can additionally order other services, for example, connect acquiring or overdraft, open a deposit, increase sales by lending to clients, etc.
Tariffs for settlement services in Russian Standard
The conditions for servicing a current account for legal entities and private entrepreneurs are the same. A client can open several accounts in different currencies. Below are the tariffs for some services provided by the bank.
| Name of banking service | The cost of the service provided by the bank |
| Registration of the first account in rubles or foreign currency | 2 000 rubles |
| Opening subsequent accounts | 1 700 rubles |
| Monthly r/s service when using the RBS system | 800 rubles |
| Monthly account service when using paper media | 5 000 rubles |
| Account maintenance in the absence of turnover | free of charge |
| Transfer of funds to budgetary and state structures | is free |
| Transferring money to a third-party bank when using a hard copy order | 150 rubles for each operation |
| Transferring money to another bank using the RBS system | 30 rubles for each operation |
| Making a checkbook | |
| Issuance of cash from a payment account | from 0.5 to 10% of the transaction amount |
| Crediting and recalculating money to the account | from 0.15 to 0.25% of the transaction amount |
| Preparation of payment documents | 100 rubles for each form |
| Calculation of interest on the balance of the account | at the rate provided by the bank for demand deposits |
| Closing account | free of charge |
How to open a current account in Russian Standard for individual entrepreneurs and enterprises?
There are two ways to apply for a settlement account - by filling out an electronic request form on the bank's website or by contacting the nearest branch directly with some documents.
The easiest way is to submit an online application for a current account in Russian Standard, following the instructions below:
- go to the section "Settlement and cash services" on the official website of the bank;
- click "Apply" at the top of the page or fill in the form fields at the very bottom in the "Order a consultation" column;
- go to cart;
- read the terms of service and click "Checkout" again;
- fill in the fields of the electronic application form, indicating information about the individual entrepreneur or organization, the name of the contact person and feedback methods;
- wait for the response of the personal manager;
- visit the bank office to transfer the documents necessary for the successful opening of a bank account to a specialist;
- sign an agreement with a bank representative.
Documentation for opening a current account in Russian Standard for LLC
For successful registration of a bank account in a bank, organizations and companies will need to provide a voluminous set of documentation, which includes:
- extract from the Unified State Register of Legal Entities;
- certificate of registration with the Federal Tax Service;
- Articles of association;
- memorandum of association;
- protocol on the establishment of LLC;
- licenses and patents (if any);
- a card with sample signatures of all persons who have access to the account;
- a letter with the address of the actual location of the organization's office;
- a certificate from Rosstat of the Russian Federation;
- a document confirming the election of the head;
- passports of all officials of the organization with access to the account.
The full list depends on the tax status of the legal entity and the specifics of its activities. The list of documents for opening a bank account needs to be clarified with a bank employee directly at the office or by calling 8-800-200-6-203.
Documents for opening a current account in Russian Standard for individual entrepreneurs
Persons registered with the Federal Tax Service as individual entrepreneurs undertake to provide the bank office with a minimum set of documentation:
- certificate of registration and registration with the Federal Tax Service;
- extract from USRIP;
- the passport;
- a card with sample signatures of officials;
- a certificate from Rosstat of the Russian Federation;
- patents and licenses (if any).
A complete list can be clarified with an employee at a bank office or through a call center.
Reviews of RSC in Russian Standard
Veronica, Tula
When we opened our own business with a friend and registered an LLC, we decided to open a current account in Russian Standard. Everything is simple with tariffs, service prices are adequate, and any questions are quickly resolved by a personal manager. Here are just a few troubles with the documents - the kit needed quite impressive.
Nikita, Penza
I have been a client of Russian Standard Bank for more than a year. I have my own small business, and the conditions of settlement and cash services here suit me as much as possible. When I opened a current account, I managed to avoid paperwork. From individual entrepreneurs, a minimum of documents is required, and the manager helped with filling out official forms right in the office. The service is excellent and prices are affordable. Good bank for sole proprietorship!
Gleb, Kazan
I’ll start right away with the advantages of Russian Standard Bank. Prompt opening of an account, excellent prices for its maintenance, high-quality round-the-clock support, convenient and modern Internet banking. I can also separately note merchant acquiring - the terminals are inexpensive, and the installation took 2-3 days. Of course, without cons, too, can not do. I had to tinker with the documentation for opening an account, but this, as I understand it, is the case in any bank.
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Check out the offers of banks| RKO in Tochka Bank. | Open an account |
More about current account
- Opening an account - free of charge in 10 minutes;
- Service - from 0 rubles / month;
- Free payments - up to 20 pieces / month.
- Up to 7% on account balance;
- Overdraft possible;
- Internet banking - free of charge;
- Mobile banking is free.
| RKO in Raiffeisenbank. | Open an account |
More about current account
- Opening an account - free of charge in 5 minutes;
- Service - from 490 rubles / month;
- Minimum commissions.
- Registration of salary cards - free of charge;
- Overdraft possible;
- Internet banking - free of charge;
- Mobile banking is free.
| RKO in Tinkoff Bank. | Open an account |
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- Free account opening in 10 minutes;
- First 2 months free service;
- After 2 months from 490 rubles / month;
- Up to 8% on the account balance;
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- Free internet banking;
- Free mobile banking.
| RKO in Sberbank. | Open an account |
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- Opening r / s - 0 r.;
- Service - from 0 rub./month;
- Free "Sberbank Business Online";
- Lots of additional services.
| RKO in VTB. | Open an account |
More about current account
- Opening an account - free of charge in 5 minutes;
- 3 months of service 0 rubles;
- Transfers and cash transactions - 0 rubles;
More about current account
- 0 rub. opening an account;
- 0 rub. Internet banking and mobile banking for account management;
- 0 rub. issuance of a business card for depositing and withdrawing cash at any ATM;
- 0 rub. the first deposit of cash into the account;
- 0 rub. tax and budgetary payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
- 0 rub. service account if there is no turnover.
| RKO in the Eastern Bank. |
