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When conducting commercial, industrial or other activities, the company is faced with the need to conduct various settlement operations. For convenience and relief financial processes offered for sole proprietors and legal entities Sberbank business card.

Features of the Sberbank Business Card for LLCs and Individual Entrepreneurs

A Sberbank business card for LLCs and other legal entities, as well as individual entrepreneurs, is a convenient management tool financial flows enterprises. A card is issued to the company's current account, while it is permissible to issue an unlimited number of plastic products. Any authorized employees can use corporate cards, at the discretion of management.

The advantages of the card for legal entities are:

Appointment of a specific card holder, setting individual limits, ordering the issue and re-issue of plastic.
The card can be used for business trips, incl. Abroad. You do not need to give the employee cash or demand checks and receipts from him to compensate for expenses.
payment for goods, Supplies etc. from the current account of the Sberbank Business card without the need for paperwork.
You can replenish your account using a Business card by depositing money through an ATM.
Control of financial processes online. Opportunity to optimize costs.
The manager receives notifications about completed transactions.

Functions corporate business card Sberbank

Similar opportunities are provided by the Sberbank Business Card for individual entrepreneurs. In particular, for individual entrepreneurs, the payment process is accelerated, there is no need to make payments through a branch, and it becomes possible to manage costs remotely using Sberbank Business Online.

Issuing a card to an account through Business Online

You can order cards at Sberbank Business Online. You will first need to register an account to work with Business Cards: in the Account Details, click on Set as an account for Business Cards. After that, the Business card item is activated in the Products and Services section.

Create a Holder

To order a card, you must register the holder for whom it is intended.

In the Holders tab, click Add and fill out the form:

personal data;
surname and name to indicate on the plastic;
gender, date of birth;
citizenship;
address of residence, registration.

Upon completion of data entry, a request for a Business card will appear. You can order a card in Sberbank Business Online later in the same section.

Application for ordering a card

The next step involves drawing up an application for the production of plastic.

You will need to specify:

select an account for linking the card;
type: Visa or MasterCard Business;
indicate the owners.

The application is signed electronic signature LLC (IP) and sent to Sberbank. The status of the application can be tracked in the Applications section. By a similar principle, you can apply to change the status of the card, the holder's data, as well as assign a reissue.

After the corporate card is issued, it is delivered to the branch at the place where the current account is maintained. The owner must pick up and activate it. Plastic is issued in an envelope with a PIN code, like any other.

Setting a limit on a corporate card for legal entities

Before using, you need to set limits on Sberbank Business Cards. You can do this in the Maps section. All corporate products are displayed here with the card number, owner's name, expiration date, status (active), etc.

By clicking on the required card, the user can perform the following actions: view the last 10 transactions, block, set a limit.

Having chosen to change the limit, you need to assign the following parameters:

receiving cash per day;
per month;
amount of transactions per day;
per month.

After that, you should sign the application and send it. You can manage restrictions at any time: check the current ones using the View limits item and set new ones according to the instructions above.

After that, it is enough to study how to use the Sberbank Business Card, restrictions and commissions on basic transactions and activate it.

Tariffs Business cards - cash withdrawal

There are no separate ways to activate a Sberbank Business Card. You can use it like a regular bank account.

Usually activate corporate card Sberbank is not required, this happens automatically the next day after issuance. If you need to use it earlier, then it is enough to perform any action confirming the right to own it: replenishment, withdrawal, transfer. You can activate using an ATM or online resources.

The general tariffs for the Business card look like this:

deposit: up to 100 thousand for each card;
commission for replenishment: 0.3%;
withdrawal: up to 170 thousand rubles, one per day, up to 5 million per month;
withdrawal fee: 1.4% (3% - when using ATMs and branches of other institutions);
SMS-informing: 60 rubles for each card.

Tariffs Business cards of Sberbank imply the right free service for the first year as part of the Easy Start package. In other cases, the annual cost of using each plastic is 2,500 rubles.

There are several types of packages available. The choice is based on your preferences.

For individual entrepreneurs and LLCs, different tariffs are suitable, since they imply differences in the number of free transactions:

Easy start: 3 payments (from the next - the cost is 100 rubles);
Minimum +: 5 (for 50 rubles each subsequent);
Basis +: 20 (for 11 rubles each);
Optima+: 100.

Transfers within Sberbank occur without commission. For the second and third PUs, there is also the right to replenish the account free of charge: up to 30 and up to 100 thousand, respectively. The cost for using the PU also varies: 990 rubles per month - Minimum, 2100 - Basis, 3100 - Optima.

Making a transfer to a card

In terms of functionality, a business card is in many ways similar to a regular Sberbank card. The difference is made by transfers to the Business card of Sberbank. It is not possible to make a transfer to a card in Sberbank Business Online from another card, even if the latter belongs to the owner or head of the company.

Transfers from a Sberbank card using a phone or card number are not performed. Also, you cannot transfer money from a Business card to another card.

If there is a need to transfer money to a Sberbank Business card, there is only one way out: make a transfer directly to the current account, and then replenish the card account. This can only be done by a manager who has access to Sberbank Business Online.

Despite the fact that it is not allowed to transfer money, you can deposit money into it using an ATM or terminal.

How to use the Sberbank Business Card

Sberbank Corporate Business Card can be used for payments on the Internet. If you need to buy a product online or transfer funds to pay for services, you should use the details of the card product: number, CVV or CVC code and date of validity.

The withdrawal procedure is carried out according to the standard instructions through an ATM:

entering a PIN code.
select Cash advance.
indication of the amount.
receiving the money.

Cash withdrawal from the Sberbank Business Card is carried out within the established personal limit and generally accepted tariffs with the mandatory collection of a commission.

The holder or representative of a legal entity (IP, LLC) has the right to block the card. Sberbank can also suspend the action if there is an assumption that an outsider is using the card.

Applying for a salary card in Sberbank Business Online

In addition to issuing corporate cards, a legal entity gets the opportunity to order salary cards for its employees. You can do this not only in person, but also with the help of Business Online.

Salary card Sberbank Business Online is ordered according to the following instructions:

Go to Services - Payroll project– Register for opening accounts and issuing cards.
Click Create.
The application header is filled in automatically: number, date, name of LLC, company agreement. It remains to indicate only the artist and his phone number.
Fill in the List block individuals(employees who require a salary card). Click Add, enter information: last name, personal data, salary card (type, status, payment system), address of residence and registration, passport information, position, place of work, contacts.
Proceed to fill in information about the next employee.
After creating the registry, sign it and send it to Sberbank for processing (the corresponding icon on the toolbar).

When the status Completed appears on the document, you need to study the specified information from Sberbank. If the card is issued successfully, Sberbank Business Online will display the inscription Card issued and the account number for the specific employee. The salary card arrives at the office, where it will need to be picked up and activated. The salary card is activated like any other.

The register can also be filled in by entering information about all employees at once using the Export/Import Wizard.

Conclusion

Individual entrepreneurs, LLCs and other legal entities can order a Sberbank Business Card for optimization expense transactions and process management online. After that, you need to set a limit on the Sberbank Business card for each owner. You can pay by card, incl. online, withdraw cash or replenish it. Transfers to individuals are not performed. Tariffs on the card depend on the connected service package.

It is not the first year that companies use corporate cards for settlements with clients. Travel, entertainment expenses, expenses for household needs - all these amounts can be transferred to a separate account. A Sberbank corporate card is issued especially for authorized persons of the enterprise. What it is, you will learn from this article.

Payment instrument

International a plastic card on the front side, in addition to the bank logo and the name of the employee, it also contains the company logo. The bank offers two types of plastics to choose from: Visa Business and MasterCard Business.

With the card you can:

pay at retail outlets;
withdraw money from ATMs of all countries of the world;
transfer funds to employees of the company.

Advantages

A Sberbank corporate card allows a company employee to:

not to spend own funds for household needs, but to receive an advance payment;
transfer cash in large amounts;
do not worry about the safety of money in case of loss of the card;
receive transfers from anywhere in the world;
book a hotel room, book a ticket on the airline's website online.

The Sberbank corporate card allows the head of the company to:

transfer funds to an employee for travel expenses without opening an account in foreign currency;
reduce operating costs;
control the turnover of funds on the account, analyze them in order to manage them in the future;
quickly increase spending limits if necessary;
reduce the cost of paying the bank commission for receiving cash.

Other Features

Sberbank corporate cards for legal entities can be used to pay for goods in online stores. Especially for these operations, the credit institution has developed a more efficient transaction processing mode. Each operation is carried out after the introduction of a one-time password. You can get it at the self-service terminal. You just need to insert a card and print a receipt with ten passwords.

How to apply?

First you need to contact the branch of Sberbank, which serves corporate clients. Open an account and deposit initial balance depending on the conditions of the program. Next, you need to write an application to Sberbank (form 11) - "Obtaining corporate cards."

Cost control

When sending an employee on a business trip, the accounting department calculates the cost of hotel accommodation and tickets, and then issues the money under the report. After the trip, the employee provides checks, reporting on the expenditure of funds. The process is delayed even longer if you need to return the extra amount, or the results of the calculations will be incorrect. The accountant will have difficulties with paperwork. These problems will help to solve corporate cards of Sberbank for legal entities.

Abroad, this payment instrument has long been used to transfer transfers. Firstly, employees can receive funds from anywhere in the world, pay for services by bank transfer or withdraw money from an ATM. Even the conversion of funds into foreign currency will happen automatically.

Secondly, the accounting department receives a detailed report on the use of money. The Sberbank corporate card is convenient in that you can set a limit on each of them and change it if necessary. Expense management is made easier. The accountant can independently track the movement of funds for each card. There is no need for receipts with seals, recalculation or surcharges.

Thirdly, the employee will be able to transport large sums funds without fear for the safety of money. If the Sberbank corporate card is lost, just call the bank and block it. She is universal. In use, it is no different from a classic debit card. Therefore, in case of loss, you need to submit a new application for a Sberbank corporate card to the branch.

Let us consider in more detail the features of the use of plastic and the reflection of information in financial statements.

Informing the tax

When a Sberbank corporate card is issued for an individual entrepreneur or legal entity, a separate account is opened. The IFTS, FIU, FSS must be informed about this within 7 working days. Form No. C-09-1 is submitted to the tax office. It needs to be informed about the opening of an account, and not about the emergence of rights to KESP. Information is submitted to other state bodies in the form of an agreed form.

To one account, one main corporate card of Sberbank for individual entrepreneurs and legal entities and several additional ones can be issued. However, they can be issued to different employees. The release of each of them must be informed by government agencies. The corporate card of Sberbank is not displayed in the balance sheet of the enterprise. What is it and how to report? If the card is registered, then the bank simply issues a register of holders of payment instruments. There is no need to keep a separate ledger.

Registration of cash transactions

Accountants complain that when checking, inspectors fine the organization if the operation to withdraw money through an ATM is not documented in the cash book. Funds physically “do not fall into the cash register”. Accordingly, there is nothing to formalize such operations. The same point of view is supported by the courts, refusing to collect fines from inspections.

Advance reports have not been canceled

The funds that are on the bank card account do not belong to the employee, but he can spend them. So you have to account for expenses. Can be used unified form report or develop a separate one for the organization. The employee can attach invoices, cash and sales receipts to the memo. The accountant can check the correctness of the preparation of the advance report by bank statements, which are sent monthly by a credit institution.

Accordingly, if the employee did not report for the money spent or sent the funds for other purposes, then they can be withheld from the salary. One order from the leadership is not enough to carry out such an operation. The amount of damage caused to the organization can be recovered if it does not exceed the average monthly salary of this employee. But even if this is the case, then you need to take into account that the total amount of all deductions cannot be more than 20% of the salary per month. In this case, the calculations are carried out from the “net” salary remaining after personal income tax payments. Sometimes an employee voluntarily returns the missing amount to the cashier. You can protect the company and employee from such situations by setting limits on each operation.

Everyone who has ever worked with the accountable money of the company (managers, accountants, employees) for the purchase of products, settlements with partners and suppliers, when traveling on business trips, knows how many problems can arise because of this (there was not enough money issued when purchase, no supporting documentation of spending, loss, etc.). Today, most tasks related to accountable money can be easily solved using a special Sberbank product - a corporate card.

Corporate bank card: what is it

Sberbank corporate cards have a special designation: Visa Business and Master Card Business, as well as special options "Corporate" and "Budget". These are the means of payment of the bank international standard destined to receive additional features and ease of use by employees of the same corporation/company.

The benefits of using a corporate card include the following:

Fast and convenient management through a special service "Sberbank Business Online". The ability to check and manage funds regardless of the time of day and day of the week.
Allowing you to optimize the costs for the needs of the company. Purchase of products, goods and materials without commission, payment for office rent, for a hotel room, for the purchase of railway and air tickets for business trips. The card allows you to simplify the control of the issuance and spending of accountable funds by subordinates. The presence of a card allows you to transfer most of the operations of administrative and economic purposes to cashless payments, as well as monetary transactions with partners and suppliers.
Serious time savings, simplification of the system of interaction with the bank. There is no need to go to the bank branch every time in order to replenish the current account or to receive the required amount of cash.
Multi-level protection when making transactions on the Internet. In case of loss, it can be quickly blocked.

Application for a corporate card

An application for a corporate card can be filled out and submitted to the bank in two ways:

By personally filling out a copy of the application at the bank branch where the current account of your legal entity is serviced.
Using the Sberbank Business Online functionality, if you have registered Personal Area in system. If not, then you should register with Sberbank Business Online.

When you visit the bank, you will be given a standard form to fill out. In the Sberbank Business Online system, a form will be opened for you with fields in which you will need to enter all the necessary data and send an application. A prerequisite is the permission of employees for whom the card is issued to use their personal data.

The term for issuing a card takes several days. After this period, you will be notified of readiness and you can pick up a corporate card at a branch of Sberbank.

Corporate card through Sberbank Business Online

In addition to the possibility of remotely conducting the procedure for obtaining a card, the service allows real-time monitoring of the status and spending of funds by employees.

Tariffs for corporate cards of Sberbank

There are different tariffs for ruble and foreign currency business accounts. Accordingly, they have different annual subscription fees:

1200 rubles, if, respectively, a ruble account;
50 euros or dollars if a currency account.

No subscription fee is charged from "Budget" corporate cards, but it has serious restrictions on spending and cash withdrawal limits, they can only be tied to a ruble business account.

Tariff plans for corporate cards of Sberbank determine:

"Ceiling" of possible spending (withdrawal) Money on the card daily and total, as well as a limit on the daily replenishment of the card.
Restrictions on the use of ATMs and cash desks of other banks.
Sizes of commission fees for the use of funds through a corporate card.

Tariffs can be found on the Sberbank website, in the "Corporate Clients" section, by downloading the corresponding PDF file.

Until the end of 2016, all customers who have issued a Sberbank corporate card are provided with free year her service.

Sberbank business card is an excellent solution for individual entrepreneurs and legal entities, designed to simplify financial transactions in the conduct of industrial, commercial and other activities. Visa and MasterCard Business - special offer financial institution corporate clients, allowing to perform various settlement operations.

Before you go to issue corporate plastic, you should figure out what it is, what are the tariffs and how to use the payment tool.

The possibilities of the described means for settlements and storage of money are aimed at assisting the owners various kinds business in the management of financial flows of enterprises.

A Visa or Mastercard of the Business type is linked to the current accounts of companies that are opened. One of the advantages of the product is the possibility of issuing a large, unlimited number of bank cards, which can be used by any authorized persons of the company. To whom and when to entrust the payment instrument, the head of the enterprise decides.

How to get a?

The main condition for those who wish to receive a plastic product is the availability of a current account. Every enterprise has it, however, it is required to register it in order to work with business cards. For this:

Go to Sberbank Online on the corporate page.
Enter account details.
Click on the icon “Make it an account for Business cards”.
Go to the "Products and Services" menu item.
It remains to activate the business card to launch the option.

Card design

also in online mode you can issue the product to specific holders. Usually LLC owners, individual entrepreneurs etc. decide to order corporate plastic for those who work at the enterprise.

It is done like this:

Go to the "Holders" tab.
Click on "Add".
Fill out the form that pops up on the screen, entering the personal data of the employee into it.
Place an order for plastic by filling out new form, indicating in it:

the account to which the payment instrument will be linked;
type of card, MasterCard or Visa;
the name of the holder or holders.

Sign the application for opening with an electronic signature and send it to the financial institution.
Waiting for a decision.

The status of your application will be reflected in the Applications tab. The finished card will be delivered to the Sberbank office, where the company's current account was opened.

Sberbank card business limits

There are 2 types of limits:

General. Depends on the rules in force at the enterprise.
Installed by the director or other responsible employee at the time of plastic registration.

The manager has the right to impose restrictions on the total volume financial transactions carried out with the help of a Business card within a month, and on daily limit. Cash withdrawals and non-cash transactions are normalized.

How is the limit set?

The easiest way to set a limit is to go to personal page enterprises in the Sberbank Online service. Change of parameters is made in the "Maps" section. You need to enter the functionality of a certain payment instrument and set or change the conditions:

how much money can be withdrawn per month;
how much cash can be withdrawn per day;
non-cash transactions.

After setting the parameters, you need to click "OK", and the system will remember the changes.

Business Card Tariffs

The most important information that each user must first receive is the tariffs for using the payment instrument.

The Sberbank business card is activated automatically. The following rates are available for standard package services:

replenish plastic - 0.3%;
no more than 100,000.00 rubles can be put on each card per day;
you can withdraw no more than 170,000.00 rubles per day;
withdrawal within a month - up to 5,000,000.00 rubles;
withdrawal in self-service machines of Sberbank - commission percentage 1.4%;
withdrawal in self-service machines of other institutions - commission 3%;
connection of SMS-informing - 60.00 rubles per month;
service during the 1st year of use - free of charge;
further cost per year - 2 500.00 rubles.

Sberbank offers several tariff plans for business owners:

How to use a Sberbank business card

financial product designed for corporate clients Sberbank, looks like a regular card. If desired, it is possible to order plastic with an original design.

A unique business proposal has some distinctive features:

Employees should always remember that the funds on the plastic of the type described do not belong to them, but to the enterprise. You should regularly report to the accounting department about what the debited money was spent on.
The procedure for using the card allows cash and non-cash payments.
Since the card is not a credit card, there is no commission for withdrawing cash within the limit, however, checks must be collected and submitted to the accounting department.
A business card will be especially useful on a business trip to pay for services and goods.
The described product is open for connection of the function contactless payment and SMS notifications.

It can be concluded that business plastic - convenient tool for corporate use.

Cash withdrawal from Sberbank Business Card

The main thing that the described plastic gives is the ability to withdraw money and pay in stores and via the Internet.

Cash withdrawal in the self-service machine is carried out according to the standard scheme:

Insert the plastic into the card reader.
Enter your PIN.
Select the "Cash out" option.
Specify how much you want to withdraw.
You get the right amount.

Important: the owner of a plastic business can not only withdraw money from him, but also contribute.

Transfers to the card

A distinctive feature of the described Sberbank product is that you cannot send transfers online from another card to it. Even the owner of the enterprise is not endowed with such powers.

The user will not be able to display own card money from business plastic, since transfers are not provided from it either.

The only way to replenish is to deposit funds into the current account, and then distribute them among payment instruments employees.

SMS informing

The cardholder can independently activate the SMS-informing service. You can do this:

personally contacting the office of the institution;
by sending an application through Sberbank Business Online.

It is allowed to tie one phone to one plastic of the described type. If the number changes, the user must report this to Sberbank.

Power of attorney to receive a corporate card

If the cardholder cannot receive it at Sberbank, because he is abroad or for other reasons, persons authorized by him can pick up plastic at Sberbank.

To get a card at Sberbank for another person, you need to provide a passport and a special form of power of attorney provided for such cases.

The power of attorney can be notarized or written by the owner without notarization. It is important to indicate whether the applicant is only authorized to receive the card or has the right to operate with it. That is, the person giving the power of attorney must write whether it is possible to pay with a card and take cash from it to a trusted person.

Blocking and closing the card

If you need to close the Sberbank Business Card, closing is done at the branch, where you need to contact a specialist of the institution and write an application.