Reviews about Raiffeisenbank. Settlement and cash services for individual entrepreneurs in Raiffeisenbank Raiffeisenbank settlement cash services for legal entities

The choice of a bank to carry out a commercial activity has a direct impact on its success. If you open a current account with Raiffeisenbank, you will cooperate with an organization that has a century and a half history, traditions, and values ​​its image.

Its history begins in the 19th century and is associated with the name of Friedrich Wilhelm Raiffeisen - burgomaster, the author of the idea of ​​cooperative mutual assistance. He was widely involved in charity work: he opened schools, free bakeries, built a printing house, and a federal road. Beginning in 1864, he established, as an alternative to the usurers, from whom the peasants took out loans at high interest rates, a group of cooperative banks.

Later they were named after him and were opened today in Germany, Italy, Austria, Russia and other countries. The emblem is a sign of two crossed horse heads, symbolizing economic security.

Raiffeisenbank appeared in Russia in 1996.

Benefits of opening a current account with Raiffeisenbank

Choosing "Raiffeisenbank", you can count on the strict fulfillment of its promises, help, consultations of staff, attentive attitude to clients who are just mastering the path of an entrepreneur. Competent organization of work will save time for experienced businessmen.

In the arsenal of the institution there are modern technologies that allow using its services from the office, from a mobile phone.

The client is offered overdraft, 24/7 cards issued free of charge, various benefits that compensate for the burden of payment for services for cash settlement services, connection to the "Bank-Client" systems at no additional charge.

Tariffs for cash settlement services at Raiffeisenbank for 2018

In Raiffeisenbank, when opening a current account for an individual entrepreneur, you can choose tariffs that are optimal for the type of activity and production volumes.

If the turnover does not exceed RUB 500 million, a tariff schedule will be applied for representatives of small businesses, and if more - for medium and large businesses.

By paying for the tariff package immediately for a year, you will receive 3 months of free service, and immediately for 2 years - 6 months.

You can use even more favorable rates by working in the online bank, all the same operations will be available from the office as in the branch.

Funds are debited automatically, reflected in the bank statement. If several accounts are open, then in the absence of money on one, the bank can write off money from any other account, including foreign currency.

Cash withdrawal is made by prior order at the cash desk of the branch until two o'clock in the afternoon.

When closing an account, the balance can be withdrawn without commission.

When choosing a new tariff service package, the management of an individual entrepreneur or LLC can submit a corresponding application, using the Bank-Client system, send it electronically.

Important! Please note that you can choose only one tariff plan for all accounts opened with Raiffeisenbank.

The client's consent is not required for an increase in service rates, but he is notified about them 10 days before their introduction.

Taxes, obligatory payments to various funds are carried out without commission.

Examples of service rates for LLCs and individual entrepreneurs

Rate	Monthly payment, p.	Mobile bank-client, p.	"Business 24/7-Optimal", p.	Number of payments not charged	Internet bank connection
"Maximum"	7500	included	included	300	internet bank + sms for business
"Optimum"	2900	included	included	60	—
"Base"	1900	included	390	10	Internet bank
"Start"	990	190	390	0	—

How to open a current account with Raiffeisenbank?

To open a current account, you need to go to the nearest branch with a passport, a package of necessary documents. You need to call in advance to find out the exact opening hours and the address of the branch.

Opening an account online

If you want to open an account with Raiffeisenbank from your computer, go to the official website, submit an online application for booking an account.

It contains the name of the organization, TIN, city, email address, bank branch located next to you, telephone number for communication. A letter will be sent to the mail with the details of the booked account.

A package of documents for opening a current account with Raiffeisenbank for individual entrepreneurs and LLC

To open a bank account, an individual entrepreneur fills out a questionnaire, specifies in it detailed information about himself, his activities:

• passport data;
• place of registration, residence;
• contact information;
• scope of activity;
• annual turnover;
• availability, types of debts;
• the nature of the operations;
• availability of licenses;
• source of funds.

The application is signed in the presence of bank employees. The representative of the individual entrepreneur will need a notarized power of attorney confirming the right to act on behalf of the individual entrepreneur.

An application is written for accepting a card with sample signatures, the KOP is certified by a bank or by a notary.

A notary's office certifies a copy of an identity card; to open an account, you will need to take your passport, special permits, giving the right to practice law, notarial practice, etc.

The procedure for opening a current account for an LLC and the required documents:

1. The questionnaire is being filled in. It provides information about registration, legal address.
2. Appendix 1 to the questionnaire discloses information on the ownership structure of legal entities. persons, and in Appendix 2 - data of the offshore client.
3. An application for the conclusion of an agreement is written in the presence of a bank employee according to a sample, signed, and sealed. It indicates whether the client will use overdraft, preferential cards, which service package he chooses. The applicant gives an agreement to receive, process information about him. Company employees must present a power of attorney certified by the company.
4. The bank account agreement describes the terms of cooperation, the responsibility of the parties, etc.
5. A copy of the Articles of Association, certified by the registration authority or notarized, shall be handed over.
6. A card with samples of signatures and seal imprints is drawn up, an application for registration of the CPC is written.
7. The signatures on the card are certified by a bank employee or a notary.
8. Documents confirming the powers of the CEO (single executive body: director, chairman, etc.).
9. The decision of the competent management body of the Client on the election (appointment) of the CEO, certified by a notary.

Benefits of Raiffeisenbank for individual entrepreneurs

At Raiffeisenbank, you can quickly open a current account for individual entrepreneurs, choose the best tariffs, and then work from home or office. Entrepreneurs with sufficient turnover will be able to take advantage of profitable lending programs:

1. "Express". Under the program, you can take a loan of up to 2 million rubles. without collateral, it will be issued in 2 days.
2. "Classic-light" - up to 5 million rubles. granted for 5 years.
3. "Light overdraft" - up to 100,000 rubles. in 5 minutes.
4. "Overdraft" - up to 1.2 million rubles.

There is a possibility of profitable refinancing of loans taken from other banks.

Conditions for the provision of the Easy Overdraft program

When you open an account, you can become a member of the Easy Overdraft program, which provides quick loans on certain conditions when there is not enough money to pay for payment documents.

Overdraft is not allowed to be issued to repay loans, interest, penalties. Otherwise, it is a convenient system and effective assistance provided during short-term breaks between the receipt of money and payments.

Many individual entrepreneurs become participants in the METRO-overdraft programs using the METRO co-branded card, when using which the bank calculates discounts.

Benefits of Raiffeisenbank for LLC

The bank offers a choice of various packages: "Maximum", "Optimum", "Basic", "Start", with a service cost of 740 rubles. up to 7500 p.

Depending on the selected tariff, it is possible to use the services of Internet banking, mobile banking, and send payments to partners free of charge. The "Business 24/7" card is connected, with its help you can withdraw cash from an ATM from the bank's office at any time of the day.

The gold package for the manager includes 5% Cashback from the gas station, that is, when buying gasoline, this amount will be refunded.

It is advantageous to open a current account for an LLC in Raiffeisenbank, since legal entities enjoy flexible service rates, the cost of which includes: opening and maintaining an account, transferring wages according to a pay sheet, monthly subscription fee for servicing the Bank-Client system, etc. services.

LLCs have the ability to obtain loans for investment, development, repayment of payment gap, refinancing.

On request, a "Business trip 24/7" card is provided to pay for entertainment and travel expenses. The card helps to control the expenses of employees, simplifies the work of drawing up reports, eliminates the possibility of providing fictitious checks, reduces the risk of losing money, being robbed on a trip.

Using a travel card, the service cost of which is only 100 rubles. per month, you can get discounts using the services of Raiffeisenbank clients.

Cash settlement service (settlement and cash services) in Raiffeisenbank

To open an account, you can send an application online, and most transactions do not require a visit to the bank. You can use the services of Internet banking, mobile banking, SMS for business.

Information on the operations performed, balances, the creation of payments by templates, the generation of reports in 1C are provided online. This saves a huge amount of time and helps the chief accountant to avoid errors in calculations.

Foreign exchange control and foreign economic activity

Raiffeisenbank provides a wide range of currency control services in the activities of individual entrepreneurs and LLCs for residents and non-residents of the Russian Federation.

The bank provides comprehensive support in the preparation of settlement documents, transaction passports and support for foreign economic activity.

Clients will receive assistance from specialists in matters of currency legislation, and with the help of the R-Dealer currency application, they can carry out transactions with the bank to convert funds at any time of the day. If you have purchased currency, then sending it to accounts in other organizations will be carried out free of charge. When exchanging large amounts, you can request a more favorable rate from a trader.

Salary project

Individual entrepreneurs and legal entities can use the "Salary project", according to which a plastic card will be issued for each employee to transfer salaries.

To do this, a statement with accruals is submitted to the bank. This saves a lot of time for receiving money in cash, issuing it at the cash desk of the enterprise, reduces the risk of robbery and mistakes to zero.

In "Raiffeisenbank" the Agreement is drawn up, a list power of attorney from the employees is provided.

Calculated taxes and payroll charges can be sent online from the office, employees will receive the salary on their cards.

Acquiring

Acquiring allows LLC and individual entrepreneur to connect an online store, check the movement of funds, perform operations without visiting a bank, the client is provided with a monthly report on the results of transactions, and high security of transactions is ensured. The bank will install terminals in retail outlets, provide information support and support.

Payments are accepted around the clock by plastic cards, a three-stage security system is applied.

Additional features

Raiffeisenbank provides all modern opportunities for remote customer service, which can check account status and perform transactions from computers, smartphones and tablets.

Internet banking

To connect the Bank-Client RAIFFEISEN BUSINESS ONLINE System, contact the bank with an application, sign the Agreement, receive a PIN envelope to activate the service.

Bank-Client ELBRUS allows you to combine work with 1C software, send payment orders, use directories, receive account statements, issue loans, you can work from an office or anywhere in the world.

Mobile bank

ELBRUS Mobile is a mobile bank for business - you can connect it yourself on the Internet, at bank offices, or order at the Information Center.

From a smartphone, it is easy to track account movements, information on the available balance, find the nearest branches and ATMs, and perform SMS confirmation of transactions.

Individual entrepreneurs and LLCs, opening a settlement account with Raiffeisenbank, can pay cash settlement services at flexible rates, refinance loans from other banks, receive loans for investment and current activities. You can manage your finances from an office computer, smartphone, tablet, which allows you to save time, avoid errors in accounting and when making cash transactions.

The bank provides consulting support for foreign economic activity, acquiring, when connecting new services, any issues that arise in the process of joint work.

ZAO Raiffeisenbank is a Russian commercial bank headquartered in Moscow and numerous branches in the regions. It is part of the international banking group Raiffeisen Bank Group, which has more than a century and a half history. This financial structure undoubtedly values ​​its long traditions, reputation and image. She has been working in Russia since 1996. And special attention is paid here precisely to interaction with small and medium-sized businesses.

Existing tariff plans and conditions

Opening a current account with Raiffeisenbank is quite a worthy solution for individual entrepreneurs and LLCs. On the official bank website, this can be done in the shortest possible time, and the offered rates can be called adequate and not burdensome.

Keeping an account with Raiffeisenbank is allowed both in rubles and in foreign currency. It is also important that all transactions here are carried out as quickly as possible. And even if you want to open several accounts at once, the payment will be charged as for one.

For Russian legal entities and entrepreneurs, the following tariff plans are offered today:

• "Base";
• "Start";
• "Optimum";
• "Maximum".

Opening a current account with Raiffeisenbank for individual entrepreneurs at the "Start" tariff is for those who have recently started their career as a businessman. The monthly payment here is only 990 rubles. And for a mobile bank (to connect, you need the will of the client, if there is no need for the service, you can not connect) an additional 190 rubles are taken. In addition, the costs can be even less if you pay in advance immediately for a year or two years of service - it will cost 8916 and 17832 rubles, respectively.

Tariff "Basic" costs more - 1900 rubles per month. According to the terms of this tariff, an individual entrepreneur or LLC can make ten payments per month to their counterparties without commission. All subsequent payments will be charged 25 rubles. Internet banking and mobile banking are provided here free of charge - that is, they are included in the package.

Optimum tariff costs 2490 rubles. This tariff also already includes Internet banking and mobile banking, as well as the SMS for business service. There are 60 payments per month for free, all subsequent payments will cost 25 rubles.

Tariff "Maximum" costs 7,500 rubles per month. It has all the same advantages as Optimum. But at the same time, the limits are much higher - 300 payments per month can be made without any commission fees. In addition, 700 thousand rubles per month can be transferred from the settlement account at the Optimum tariff to the cards of individuals.

The tariff book is posted on the official Raiffeisenbank website www.raiffeisen.ru so that customers can familiarize themselves in detail with each tariff, prices and other details. And it should be noted that, in accordance with the current regulations, you can choose only one tariff plan for all accounts opened in Raiffeisenbank per company. But, of course, if necessary, the client at any time can apply to switch from one tariff plan to another. You can do this any number of times. One such transition costs 1000 rubles.

It should be specially noted that all the prices quoted are prices that are relevant for clients from Moscow and Moscow region. For customers working in other regions of Russia, service at the indicated tariffs may even cost a little less - it is advisable to clarify this issue by calling the special regional hotline number 88007009100.

Service package for central regions - Moscow and Moscow region, St. Petersburg

Service package for other regions

Documents required to open an account

The account opening procedure is quite simple. First of all, you need to fill out an electronic form on the portal of the Russian Raiffeisenbank (the address was indicated above). The difference between an individual entrepreneur and an LLC in this case lies primarily in the set of necessary documents. To open a current account with Raiffeisenbank for LLC, you will have to provide:

• bank statement;
• LLC charter;
• a card with samples of signatures and seal samples;
• the decision on the appointment of the client as the head of the legal entity;
• documentation confirming the authority to sign;
• passports of the manager and other persons who have the right to sign documents (if any);
• license to operate (for some types of business, as you know, licensing is required).

The list of required documents for individual entrepreneurs is much shorter. In this case, you only need to provide an extract from the USRIP, an application for opening an account and a photocopy of the businessman's passport.

Account opening algorithm

Submitting the documents listed above is not the very first step that will have to be taken to open an account with Raiffeisenbank for legal entities. First of all, you need to submit an application online, on the bank's portal. Filling out this application is not particularly difficult. But it is available only for individual entrepreneurs and LLCs with the residence of the Russian Federation. Non-residents will have to use other methods.

The online application form contains the following fields:

• Full name of the contact person;
• e-mail;
• town;
• branch (here you need to indicate the most convenient Raiffeisenbank branch for yourself).

Having entered all the specified data, you should also put two checkmarks - one will confirm your agreement with the terms of service, the other will agree with the terms of processing personal data.

After sending an online application, a bank employee will call a potential client and advise on further actions. If the customer agrees during the dialogue, then an invoice will ultimately be booked for him. The details of this account will be immediately sent to the client's e-mail. By the way, an account with Raiffeisenbank is reserved for a period of up to two weeks (before this period ends, an official agreement should be concluded for cash settlement services).

Next, the employee will offer to make an appointment. And here two options are possible: either the client drives up to the nearest bank office, or a bank representative with all the necessary documents will arrive at the client's address.

Cash settlement services at Raiffeisenbank: services for business

The range of services for settlement and cash services today includes:

• currency control;
• Internet banking;
• SMS-informing;
• collection;
• issue of special corporate cards;
• salary projects;
• acquiring.

Each of the positions on this list deserves a separate discussion.

Currency control and collection

Today, foreign exchange control over the operations of legal entities and individual entrepreneurs includes really many important options. These include, for example, consulting support from the bank at all stages of the transaction. Assistance in the preparation of documents related to currency control, registration of transaction passports and support of transactions related to foreign economic activity - all this is also undertaken by the banking structure within the framework of this service.

In addition, if necessary, the bank can draw up recommendations for organizing the electronic exchange of documents between the client (individual entrepreneur or LLC) and the bank. Acceptance of these recommendations will make it possible to strictly observe the deadlines for submitting documents established by the legislation in the Russian Federation.

This banking organization also has its own collection service. Her responsibilities include delivery of the client's proceeds to the bank, delivery of change coins and banknotes to the client, delivery of large amounts of cash by check. The client has the right to agree with the proposed collection schedule, or offer his own. Also, the client can resort to cash collection services for the transportation of all kinds of valuable goods.

Corporate cards and salary projects

For customers who are on the cash settlement desk at Raiffeisenbank, we offer, among other things, special corporate cards. It is a fairly reliable means of paying for entertainment, business and travel expenses. At the same time, the business leader gets the opportunity to control and check his employees. This card will help protect against such tricks as providing fictitious checks that do not correspond to real expenses after a business trip. And the risk of theft of the issued money or robbery is also practically close to zero. In general, such a card simplifies advance and travel calculations, reduces the amount of paperwork. In addition, when using it, you can get discounts from the bank's partners - there is a bonus program.

The salary project from Raiffeisenbank also provides certain advantages and convenience. One of the main advantages is that the service here is carried out in a complex, taking into account all the details. For each full-time employee, a salary package is issued free of charge. And three additional "plastic" can be issued additionally to one main card. A high level of confidentiality is ensured for all payments within the project.

The money intended for the payment of salaries is transferred to the destination in one payment - this allows you to save money (there are no extra commissions) and time. And in general, the payment process is automated to the limit. And one more important point: for salary clients (employees of the serviced company) Raiffeisenbank offers more loyal conditions for loans - they can be taken at the lowest rates and without certificates confirming income.

For individual entrepreneurs and directors, Raiffeisenbank LLC also offers certain bonuses. All transactions related to the salary project are supervised by a personal manager. And for any question, the client can always contact him. Also, managers can be offered premium cards, discounts and additional beneficial offers.

Mobile, merchant and online acquiring

First of all, it is worth understanding the term "acquiring" itself and its varieties (not everyone may know, this is a relatively new phenomenon). In simple terms, merchant acquiring is the organization of the ability to sell goods at a specific outlet by bank transfer. In this case, the money from the buyer's card is transferred to the account of the acquiring bank, and then to the account of the organization.

In order to organize the acceptance of payments by bank transfer, it is necessary to install special POS terminals, to which the consumer will have to insert or apply a card. And mobile acquiring is the organization of such a non-cash payment system, in which the buyer is given the opportunity to pay for goods not even with a bank card, but simply with a smartphone with an application installed on it. And, finally, online acquiring (Internet acquiring) refers to the method of payment on the merchant's website using a bank card. In this case, the card itself is not presented to the seller, only its details are indicated.

For clients of IE and LLC Raiffeisenbank is ready to provide all three types of acquiring. Moreover, all the necessary equipment is installed free of charge - it accepts cards from the largest international payment systems. In case of malfunctions and failures, the seller can call technical support - it works around the clock.

Internet banking and SMS for business service

Raiffeisenbank has created its own Internet bank (Bank-client) for businessmen called Raiffeisen Business Online (RBO). It is compatible with all popular OS (Linux, Windows, Mac) and almost any browser. In RBO, you can carry out ruble and currency transactions without fear for the safety of finances and financial data. Remote maintenance in a specialized online service provides other advantages as well. In particular, here you can:

• send and receive extracts in convenient formats;
• log into the online account using a single login to manage all your accounts (even if they belong to different companies);
• sign payments with an ordinary SMS password without unnecessary red tape;
• make multiple payments at one time.

And if you want to always keep your finger on the financial pulse of your organization, then you should also connect a useful service like "SMS for Business". With its help, it becomes easier than ever to control the accrual and write-off of funds from your company's account, find out the statuses of payment orders, receive notifications about events in the RBO system, etc.

Updated in December 2019

Detailed information on opening a current account with Raiffeisenbank for individuals and legal entities. What documents will be required for registration, the cost of opening and maintenance. How to make an online application for cash management services for individual entrepreneurs and LLCs on the website raiffeisen.ru - a visual guide. Tariffs offered by the bank, with a list of services provided.

General
information Acquiring Salary
project Currency
control Corporate
cards

Opening:

Service:

Payment:

Opening speed:

From 1 business day

License:

3292 dated February 17, 2015

Internet bank:

Mobile bank:

SMS informing:

The documents:

Passport, OGRN / OGRNIP, TIN (+ decision, charter, order of the general director, company location for LLC)

Cash acceptance:

Cash withdrawal:

Salary - 0, for other needs - from 1%

Acquiring:

Types: shopping and internet; cards accepted: Visa, MasterCard, MIR, AmEx; commission: up to 1.79%; terminal rental: up to 1,990 rubles / month

Connection terms:

Up to 7 business days

Support:

Free of charge

Terms of enrollment:

During the day

Account keeping

Resident Operations Agent:

0.15%, if registration is not required - 0.14%

Registration of a contract:

Free, urgent - 4,900 rubles.

Payment:

Issuance of certificates:

• Fast registration with the departure of a specialist
• Account details after registration of the application
• Inexpensive payment orders
• Overdraft up to RUB 1,500,000
• Trade acquiring with free service
• Internet Bank interacts with programs from 1C

More details

K5M

Reviews

Tariff Start from Raiffeisenbank offers a current account with fast processing, inexpensive service and convenient features. You will be able to use all the services of the bank - to issue an overdraft, to connect an acquiring or a salary project, to conduct a foreign exchange transaction. The bank often arranges promotions for clients - if you follow them, you can open an account with free service in the first months.

The advantages of opening a current account for LLC and individual entrepreneur in Raiffeisenbank:

• International service standards
• Variety of tariffs, taking into account the individual specifics of the business
• Discounts for an advance payment for servicing a current account
• Online reservation of the current account number
• Acceptance of payments through the online system Bank-Client "ELBRUS Internet"
• Unlimited number of checking accounts at no extra charge
• Convenient terms for the provision of payment papers for execution on the current banking day
• Salary projects
• Remote account management
• Departure of a personal manager to your office for registration of an invoice (except for Moscow and the Moscow region)

Tariffs

	Start	Base	Optimum	Maximum
Cost per month, rub	990	1 900	2 900	7 500
Electronic money transfers	25 rub / payment	10 payments for free, then 25 rubles payment	60 payments for free, then 25 rubles payment	300 payments for free, then 25 rubles payment
Acceptance of cash, collected money to the account	0,25%	0,25%	0,25%
Cash withdrawal from customer accounts		From 1% (as agreed), for salary payments - 0%	From 1% (as agreed), for salary payments - 0%	From 1% (as agreed), for salary payments - 0%

All tariff plans are connected to the Internet bank free of charge.

More detailed rates are described in the appendix.

To open a current account with Raiffeisenbank, you need to enter the section "Medium and corporate business" or "Small business", depending on the profitability of your business. Next, select the item "Banking" and go down to the very bottom of the page. Here we see a yellow button labeled "Online Application".

By clicking on it, we are transferred to the page for filling in personal data and information about the business.

We fill in:

• Annual revenue
• Company name
• contact number
• Email
• The site of the company
• Town
• Service department

We select the banking product of interest, enter the captcha and press the "Submit application" button.

During the day, a personal manager contacts you and you discuss the time and place of the meeting, to settle all formalities. Usually the manager comes directly to your office.

In the active menu of the Raiffeisenbank website, located on the left side of the page, there is a separate button "Online application". If you are familiar with the terms of service, then after entering the site, you can immediately start filling out the application by clicking on it.

Required documents

To open a current account, an individual entrepreneur will need:

• A completed application form
• Account opening application
• Bank account agreement
• Identity documents
• OGRNIP certificate
• TIN certificate
• Licenses (if any)

For LLC, the package is somewhat wider, but not by much:

• A completed application form
• Account opening application
• Bank account agreement
• The charter
• Notarized card with samples of signatures and seals
• Documents confirming the powers of the CEO
• Documents confirming the powers of authorized signatories
• OGRN certificate
• TIN certificate
• Extract from the list of participants
• Licenses (if any)

Forms of all necessary agreements and questionnaires are posted on the Raiffeisenbank website in the public domain. They can be downloaded, studied and completed in advance.

You will learn how to enter your personal account on the official Raiffeisenbank website online. Detailed instructions for convenient and quick access to raiffeisen.ru with screenshots and video instructions. A visual guide to recovering a forgotten password to the personal account of the bank. We provide only the most up-to-date information.

About the bank

Raiffeisenbank is a large universal bank with foreign participation. It was founded in 1996 as the Russian branch of the Austrian bank of the same name. In 2007, he took over IMPEXBank, which at that time acted as a bridging agent for Rossiyskiy Kredit Bank. In 2015, there were rumors about the sale of Raiffeisen to Alfa-Bank, but these rumors were quickly refuted.

Now all the bank's shares are controlled by Raiffeisen Bank International. The head office of the Russian Raiffeisenbank is located in Moscow. The network of branches includes five branches - in St. Petersburg, Novosibirsk, Yekaterinburg, Krasnodar and Nizhny Novgorod - and more than 170 offices. The Bank operates on the basis of the General License of the Central Bank No. issued on February 17, 2015.

In total, the bank serves over 80,000 corporate clients. Raiffeisen offers them cash settlement services, loans and guarantees, deposits, corporate and salary cards, acquiring, currency control, investments and other services. The bank also serves private clients - loans, deposits, credit and debit cards, money transfers and insurance services are available to them.

Business services from Raiffeisenbank

Raiffeisenbank is actively developing the services and services required by businesses, both small and large. Here you can connect a salary project or acquiring, go through currency control or order cash collection services. You will learn more about these and other popular offers from Raiffeisen below.

Raiffeisenbank has well-organized services for those who are engaged in foreign economic activity. Any client of the bank can open a currency account, exchange currency or go through currency control. The bank has its own platform for conversion R-Dealer - here you can buy or sell currency without commission at a rate close to the exchange rate. Raiffeisen works with many major currencies - from US dollars and euros to Norwegian kroner and Kazakhstani tenge.

Currency control at Raiffeisenbank is available to both residents and non-residents of the Russian Federation. Using it, you can correctly register a deal with a foreign company without violating Russian laws. For a fee, the bank will provide advice on foreign exchange transactions and help prepare the necessary documents. All transactions are carried out remotely via the Internet Bank. For more convenient payment of customs duties, a customs card is provided - it is drawn up separately.

Tariffs for services for foreign economic activity:

Currency account maintenance	$ 25 per month
Payments in foreign currency	0.1%, minimum $ 40
Access to the R-Dealer system	1,500 rubles
Foreign exchange control	For transactions that do not require a contract to be registered - 0.14%, at least 290 rubles
Urgent registration of a contract	4 900 rubles
Deregistration of a contract	3 900 rubles
Issuance of copies of documents from the currency control dossier
Issuance of certificates on currency control	1 200 rubles for each
Preliminary examination of documents	1,000 rubles
Checking currency control documents	500 rubles per document
Foreign exchange control consulting	1,000 rubles

Raiffeisenbank has its own collection service - it will help you quickly and safely transport large amounts of cash, precious metals, securities and belongings. The cash collection service uses modern security and protection technologies, which ensure high reliability and safety of the cargo. In cities where Raiffeisen's cash collection service does not work, you can use the services of partner companies.

To use cash collection services, leave a request via the Internet bank, at a branch or by phone. A specialist will help you agree on the date and time of delivery of the valuables you need. The collection fee is calculated individually for each case. Transfer of cash to the current account is paid separately.

A corporate card is an additional tool for more convenient money management on a current account. With it, you can pay various expenses of the company, deposit and withdraw cash. The card is used as a regular credit or debit card. If you wish, you can set separate limits for it for any operations.

Raiffeisenbank offers several specialized corporate cards:

Business 24/7 - designed for easier deposit and withdrawal of cash to an account. She has uniform rates for cash transactions for all ATMs - you don't have to look for a Raiffeisen device to deposit or withdraw money

METRO - produced in conjunction with the METRO Cash & Carry chain of wholesale stores. With it, you can pay for any purchases like a regular bank card. Additional discounts are available in the shops of the METRO chain. You can apply for a credit on the card for an amount of up to 250,000 rubles and a period of up to 12 months with a deferred payment for 45 days

Business trips 24/7 - designed for convenient payment of travel expenses. It can be registered in the name of one of your employees. The card offers free SMS notifications, free top-up at Raiffeisenbank ATMs and discounts from partners

You can order the issue of any corporate card through the Internet Bank. Here you can also manage limits on transactions and track the status of accounts.

Payroll project at Raiffeisenbank will help you transfer salaries to your employees faster. You can connect it in any branch of the bank - just conclude an agreement and provide information about employees. Raiffeisen will issue and deliver the required number of salary cards on its own.

The transfer of salaries through the Internet bank is fully automated. It is enough to create a register once and create the corresponding payments. It is possible to generate several payments for employees with different salaries. The money is transferred immediately after the register is sent.

As part of the salary project, the bank issues debit cards in Visa, MasterCard and MIR payment systems. They are issued and serviced completely free of charge, offer discounts at partner stores of Raiffeisen and free cash withdrawals from ATMs of the partner network. Managers have access to the “Gold” and “Premium” service packages with extended privileges from the bank and payment systems.

Raiffeisenbank offers merchant and internet acquiring services to its clients. With the help of them, you can accept payments from bank cards of popular systems. The bank uses its own processing center, which ensures high security for all operations.

When connecting merchant acquiring, the bank provides all the necessary equipment for rent. Its cost depends on the size of the turnover at the outlet. The bank will deliver and connect terminals free of charge, conduct staff training and advise on controversial issues. You will also be able to participate in the bank's discount program.

Internet acquiring is connected free of charge - the bank will help you to embed a payment module on your website. Raiffeisen supports popular CMS and provides APIs for web developers. The commission for Internet acquiring is fixed and does not depend on the turnover or payment methods. The buyer will receive an electronic check in accordance with the requirements of FZ-54.

Acquiring tariffs:

Electronic services

For remote banking services, Raiffeisenbank uses its own development - the bank client Elbrus. It offers convenient tools for managing a current account, a customizable interface and high security for all transactions. To enter the bank and confirm transactions, you can use SMS passwords or a USB key.

The Internet bank provides all the necessary functions - managing the current account, receiving and sending payment orders, exchanging documents with the bank, processing applications for other services. It is compatible with programs from 1C - you can import and export documents at any time. In the online chat, you can contact the bank's support service - it works from 9:00 to 18:00 Moscow time. If you have several Raiffeisen accounts, you can use a common login for them.

Since July 2019, a built-in accounting service has been added to Raiffeisenbank's Internet Banking service. It connects for free at any tariff.

So far, the service can only calculate and pay taxes, and remind of payments. Its functionality will be gradually supplemented in accordance with the tax calendar - for example, by the end of the year, tools for creating and sending electronic returns will be added.

For operational account management, Raiffeisenbank provides a mobile application for iOS and Android devices. Using it, you can track account transactions, process payments and send details to counterparties. To enter the mobile application, the same data is used as for the Internet bank.

SMS-OTP (SMS One time password)- the bank's service for confirming transactions in the Internet banking and mobile banking using one-time codes sent in an SMS message to the Signer's registered phone number.

The daily limit for signing documents with an SMS code is 1 million rubles per day (Moscow time).

If a token is available, it is possible to certify counterparties, and the daily SMS-OTP limit in favor of such recipients will be increased to 3 million rubles during the day (Moscow time).

Advantages:

Commission for connection and use of the service - no

Does not require installation of additional programs and drivers

Does not depend on the operating system of the computer and mobile phone

Codes are one-time use, are valid for a limited period of time and only for a specific operation

How it works:

When signing a document in the Internet bank (ELBRUS Internet, RBO) or in the mobile bank (ELBRUS Mobile, Raiffeisen Business), a 4-digit code is sent to the registered phone number via SMS, which must be entered in the system. If the code is entered correctly, then the document is signed successfully and is available for sending.

How to connect:

To activate the service, it is necessary to provide an appropriate application indicating the signatory and the mobile phone number (Appendix No. 12 to the Agreement on the Bank-Client system).

If you have a token, then the connection is possible in the ELBRUS Internet system in the section "Services and services" - "Additional services" - "SMS-OTP". You need to create an application and confirm it with a token.

Restrictions:

Only one document can be signed with one SMS code.

To increase the security of the service, with each attempt to sign documents, it is checked whether the SIM card with the registered phone number has been changed. If the change of the SIM card is recorded or it is impossible to check the invariability of the SIM card, then signing the document with SMS codes is not available.

In international roaming, SMS-OTP may not work, since in this case information about a possible SIM card change may not be available. For the security of funds on the account, under such conditions, the SMS code is not generated.

Not all mobile operators are suitable for connecting to the service, since not all operators can check the change of the SIM card (for example, Motive, etc.).

The service is connected to only one phone number. That is, the code is sent to only one addressee.

What to do if the SIM card has changed:

If you have changed your SIM card, the service must be reconnected (see How to activate).

Moreover, if you have changed your SIM card without changing your phone number, then you can reconnect the service by contacting the Bank's Call Center 8 800 700-4646 (subject to successful identification)