Promsvyazbank banking day for legal entities. Settlement and cash services in Promsvyazbank. Small business promotions

Evgeny Smirnov

# Banks for business

Cash settlement service at Promsvyazbank

Navigating the article

• Current account in Promsvyazbank for individual entrepreneurs
• Advantages of cash settlement services at Promsvyazbank
• Current account maintenance cost
• How to open a current account for individual entrepreneurs
• Closing an individual entrepreneur account in Promsvyazbank
• How to open an account for legal entities
• Foreign currency account in Promsvyazbank
• Advantages of cash settlement services in Promsvyazbank for legal entities
• How to close an account of a legal entity in Promsvyazbank
• Conclusion

Having received the status of an individual entrepreneur or a legal entity, you need to start opening an account in one of the banks in the country. Each credit institution puts forward individual requests for the composition of documents, determines its own service rates and other features. It is important to choose a profitable and reliable partner. In this article, we will consider the nuances of opening and closing a current account using the example of one of the largest universal banks in Russia - Promsvyazbank.

Current account in Promsvyazbank for individual entrepreneurs

Before submitting an application for opening an account with Promsvyazbank, read the terms and conditions offered by the bank. Special attention pay attention to the following points:

• speed of payments;
• quality and convenience of service;
• cost of services, tariffs;
• availability of internet banking;
• the ability to open an account online;
• promotions for new clients;
• preferential terms of lending (if necessary).

You can find out about all these points at Promsvyazbank website or by reading this article to the end.

Advantages of cash settlement services at Promsvyazbank

Promsvyazbank, which has been operating for 20 years, offers favorable conditions for small businesses. For beginners, quite attractive tariffs have been developed, namely:

• free account for business;
• free account management - 6 months;
• free payments via internet bank - 3 months;
• free SMS informing - 3 months.

The action is valid until the end of the current year.

Current account maintenance cost

In addition to promotional programs, Promsvyazbank has developed three tariffs for cash settlement services for businessmen.

Go to the bank's website

How to open a current account for individual entrepreneurs

Before submitting an application for opening an account with Promsvyazbank, read the list of documents that must be provided. Most often, for registration of settlement and cash services you will need:

• certificate of state registration;
• notification of registration with the authorities tax service;
• notification of the assignment of statistics codes (individually);
• extract from EGRIP - the certificate is valid for only 1 month, the receipt is free;
• round stamp of SP - if any;
• entrepreneur's passport.

At the bank, you will need to fill out all the necessary applications, sign an agreement, familiarize yourself with applications and additional services.

Closing an individual entrepreneur account in Promsvyazbank

When closing an account with Promsvyazbank, no commission is charged. In its work, the bank is guided by regulatory documents and laws. In Russia, closing an account, like opening it, is regulated by the Instruction of the Central Bank of the Russian Federation No. 153-I. Based on this document, the basis for closing the current account is the termination of the agreement on cash settlement.

Possible reasons why the agreement is terminated:

• The client wrote an application to close the account. He can do it at any time.
• The bank closes the account if it is not carried out within two years financial operations, but there is no money on the account itself.
• If the bank is suspicious of transactions, and it has refused to carry them out more than 1 time.
• By the tribunal's decision.

However, which transactions are considered suspicious, credit institutions do not always report.

If you decide to close the account of your own free will, contact the nearest bank branch with a corresponding request and write an application according to the sample provided by the bank employees.

How to open an account for legal entities

In Promsvyazbank, you can open an account in two ways: by visiting a branch or using Internet banking. In the latter case, you will need to fill out an application for opening an account here.

If it is more convenient for you to open a current account for LLC, JSC or PJSC in the office of the institution, visit it with the appropriate list of documents. The difference between opening an account for various business entities lies only in the list of documents submitted by them.

Contract bank account signed if a legal entity has such papers:

• extract from the Unified State Register of Legal Entities;
• certificate of registration with the tax authorities at the location of the organization;
• company charter, constituent documents;
• an order on the appointment of a director;
• legal entity card - issued by a notary or a bank;
• passport of the head of the organization or authorized persons who will manage the money in the bank account.

In addition, a bank employee has the right to request phones, addresses, TIN of all employees of the organization, whom the director entrusts to manage the account.

For legal entities, the same tariffs apply as described in the table above.

Foreign currency account at Promsvyazbank

From 20.04.2018, it is impossible to open a foreign currency account with this bank. The organization has made some changes to its tariff policy. Previously, such services were actively provided. The cost of maintaining an account was USD 30. The current restrictions have been introduced solely in the interests of clients to minimize the risk of losses due to the blocking of funds in foreign currencies.

The existing contracts for the bank's products in foreign currencies are serviced as usual.

Advantages of cash settlement services in Promsvyazbank for legal entities

Opening a current account with Promsvyazbank is quite quick and easy. To do this, you need to visit the official website of the organization and fill out the appropriate form. You can do this at any time of the day without leaving your home, and in your free time you can bring all the documents to the department. It is also permissible to call the manager to your home or office to complete the transaction. Opening an account with the company is free of charge.

The advantages of cooperation with this bank include the following:

• efficiency and convenience of opening an account;
• informing about transactions online, using a mobile phone;
• high speed of transactions;
• availability of internet banking.

Enumeration non-cash funds from the client's current account is made on the same day. Overdraft is also available to all clients.

Additionally, Promsvyazbank performs the functions of a currency control agent for export-import operations and provides individual bank safes for storing various valuables.

How to close an account of a legal entity in Promsvyazbank

To close an account in Promsvyazbank, the presence of its owner or a trusted person will be required. As with the opening, you need to collect a separate package of documents (extract from the Unified State Register of Legal Entities, statutory documents, documents on constituent changes, passport of the person authorized to close the account). Note thatclosing an LLC account onlineon the bank's website is not possible.

After contacting the manager with a complete list of documents, you need to write an application to close the account. In the presence of checkbooks return them to the bank, and in the application indicate the numbers of unused sheets in order to avoid fraudulent actions by third parties.

If there are funds in the bank account, they can be withdrawn at the bank's cash desk or indicate the account details where the balance should be transferred.

If you enter the wrong details, the money will be credited to account No. 47422. After the expiration of the limitation period, the bank will write off them in its favor.

Notify tax authorities it is not necessary to close the account of a legal entity, since the bank deals with this issue.

Conclusion

At the end of our article, for a more complete understanding of the advantages and disadvantages of a bank account in Promsvyazbank, we present the tariffs of other popular banks in Russia. Note that rates may vary depending on the region.

For medium-sized companies, the cost of services is as follows:

• Opening an account 2200 rubles;
• Cash transactions: crediting without a commission, withdrawal is paid, the amount of the commission depends on the purpose of spending the funds and the volume of the average monthly turnover of the legal entity from 0.5% million rubles / day;
• The fee for the transfer of funds is 0.03%.

In addition to basic services, the bank offers its clients the following additional features, the cost of which is included in the cash settlement:

• Cash collection services;
• Internet and merchant acquiring;
• Providing a business card;
• Factoring;
• Foreign exchange control.

The list of full tariffs and the cost of services can be found at the link.

As part of the promotion, the bank offers small businesses to open an account for legal entities until 31.07.2018 free of charge, without commissions for maintaining and connecting the Internet bank.

Package offers

The bank operates the following programs for servicing small businesses, LLC:

• Pay less... Service is offered for 399 rubles / month, free mandatory payments and cash replenishment of up to 30 thousand rubles;
• Business Start... There is no commission for opening and maintaining an account. When using the Internet bank, you can make 3 transactions per month for free, as well as transfer money to legal entities for free.
• Business Light... Card payments without a commission between bank accounts, the ability to save on maintenance by transferring the fee in advance, the minimum tariff for maintaining an account in PSB On-Line.
• Business 24x7... For clients who prefer to be served at any convenient time. If the conditions of advance service are met, the discount will be 21%, you can make non-cash transactions around the clock;
• Business check... For service of trading companies, discounted rates for cash deposits are provided.

A complete list of commissions and current account options is available here.

What tariff to choose in Promsvyazbank?

The choice of tariff depends on the category of business. Service program is suitable for trading companies "Business check"... Companies that are just starting their business, which do not yet have sufficient turnover on the current account, the best solution there will be a connection to the program Business Start... Legal entities that constantly make transfers and payments are active users of a current account, the tariff is suitable Business Light.

The ability to streamline the funds of a company or individual entrepreneur, ensuring the speed and reliability of cashless payments. Today, the credit institution is among the top ten institutions in terms of capital and one of the 500 largest financial and credit organizations the world. Direction of activity:

• Services to corporate entities - factoring, brokerage services, settlement and documentary operations.
• Business services (medium and small) - accepting deposits, issuing loans, cash settlement services, financial transfers.
• Providing retail services to individuals - loans, deposits and transfers
• Investment and other types of transactions

Advantages

The pluses of Promsvyazbank include:

• Promptness... To open an account with Promsvyazbank, it is enough to submit an online application, then submit the papers for consideration and sign an agreement.
• Online reporting... The data on the movement of funds is sent to the mobile phone.
• Transaction speed... Clients' payment orders are executed quickly and accurately, which makes the settlement account of Promsvyazbank a convenient tool for LLCs and individual entrepreneurs.
• Availability of Internet banking... Through the global network, it is possible to track payments, conduct transactions and control the balance of funds.

Read also -

• Favorable rates... Opening an account with Promsvyazbank is a chance for novice businessmen to receive reliable banking services without additional costs.
• Wide range of offers... The bank offers six service programs for individual entrepreneurs and LLCs, which simplifies the selection of a profitable and convenient option.

Settlement account of Promsvyazbank: tariffs

Before , it is worth studying the bank's offers (the cost of services is given per month):

1. Business Light- a tariff plan for beginners, a feature of which are favorable conditions for opening and maintaining a bank account. Suitable for individual entrepreneurs who work with cash. Conditions:

• The cost of maintaining a settlement account is 1050 rubles.
• Cash deposit (commission) - 0.15% or more.
• The price of the payment order is 45 rubles. and more.
• Card registration - 0 p.

1. Business 24x7- a package that is distinguished by the ability to make payments at any day and time, saving money on payment orders and making non-cash payments. Suitable for growing businesses. Conditions:

• Maintenance costs - 1600 rubles.
• Payment order price - from 18 rubles.
• Free card receipt.

1. Business Th k - an option for organizations that receive a large share of the profits in cash. Main feature package are the small costs of depositing money into the current account. Great for legal entities working in the field of trade and services. Characteristics:

• Maintenance costs - 2290 rubles.
• Cash deposit (commission) - from 0.1%.
• Payment order price - from 0 rubles.
• Free registration of "plastic".

• Maintenance costs - 1250 rubles.
• Cash deposit (commission) - from 0.15%.
• Payment order price - from 45 rubles.
• Free registration r / s.

1. Business without borders- a tariff plan that is more suitable for companies working with organizations from other countries. Within the framework of the plan, the credit organization helps in drawing up the passport of the transaction, and provides favorable conditions. Having opened such an account with Promsvyazbank, it is possible to get Better conditions for international payments. Characteristics:

• Opening an account (in foreign currency) - free of charge.
• Opening of a bank account (in rubles) - 990 rubles.
• Transfer commission - 0.15%.
• Free connection of notifications.

1. Business online- for people who save time and need remote operations.

• Maintenance costs - 1290 rubles.
• Cash deposit (commission) - from 0.25%.
• Opening a current account - 0 rubles.
• Remote control capability.

Current account of Promsvyazbank- one of best options for individual entrepreneurs and LLCs who dream of a reliable bank, fast transactions and favorable rates.

Any enterprise, regardless of the form of ownership, in any case needs banking services, we are talking about the fact that usually at the stage of business formation, every entrepreneur thinks about opening a checking bank account in order to effectively manage their capital. Here, each potential client chooses a bank according to two parameters - this is reliability. credit institution and favorable service rates. Promsvyazbank, which has a rich history and deserves the trust of millions of customers, is ideal for these parameters. Therefore, you should definitely study the conditions for servicing current accounts, and also answer the question of how to open a current account for IE Promsvyazbank.

Bank advantages

To begin with, it should be said that Promsvyazbank has been operating in the financial services market for over 20 years, judging by customer reviews, it offers favorable terms of cooperation and a wide range of services for legal entities and individual entrepreneurs. Among other things, the bank occupies a leading position in the financial services market.

If we talk about the advantages of settlement and cash services, then there are several of them:

• current account holders can perform financial transactions around the clock, regardless of their location, thanks to convenient Internet banking and a mobile application;
• all payment orders are executed on the day they are sent;
• you can link to the current account bank card with free service;
• there is a separate hotline for legal entities and individual entrepreneurs, where call-center employees can advise on financial issues;
• in the personal account, the owners of the current account can communicate with the employee and the credit institution in an online chat;
• you can open a current account in a domestic or foreign currency depending on the specifics of the business.

Please note that Promsvyazbank offers to start cooperation online, that is, you can book a current account on the official website.

Service rates

Promsvyazbank offers tariffs at different prices for legal entities and individual entrepreneurs. The choice of tariff will largely depend on the scale of the enterprise and its other features, however, in order to compare tariffs, consider the table.

Please note that there is no fee for opening a current account, payments to the budget are free of charge at all rates.

What you need to open a current account

Before opening an account for a legal entity Promsvyazbank, you need to prepare some documents. If the form of ownership of the enterprise is LLC, OJSC, CJSC, then the entrepreneur will need:

• conclusion on the appointment of the head;
• a card with samples of signatures and seals of the founders;
• charter;
• tax registration certificate;
• extract from the Unified State Register of Legal Entities;
• copies of passports of all founders;
• license.

Please note, before contacting the bank, you should check with the employee the list of documents that are relevant directly for you.

Individual entrepreneurs require much fewer documents, in total, only a passport is usually required individual entrepreneur, a certificate of tax registration and an extract from the Unified State Register of Individual Entrepreneurs. Other documents may be required depending on the specifics of the business, their list should be clarified before contacting the bank so as not to receive a refusal of service due to lack of documents.

In practice, the procedure for opening a current account will look like this: first, you need to go to the official website of Promsvyazbank, to the cash and settlement services section, or follow the link https://www.psbank.ru/business/everyday/cashservice/openaccount. Your attention will be presented with a small questionnaire that you need to fill out, all your data will be transferred to bank employees for analysis, after which a specialist will contact you and advise on further actions.

Services

Insofar as Promsvyazbank has been operating in the financial services market for a long time, it offers the widest range of financial services. Within the framework of settlement and cash services, the following services operate:

1. Salary project. All current account holders can use this service, and within the framework of salary project all employees of the enterprise receive free plastic to receive their income.
2. The bank offers acquiring services to individual entrepreneurs and legal entities, here you can order a POS terminal or an online cash register with favorable rates for service.
3. Also, within the framework of settlement and cash services, the bank offers currency control for enterprises operating with foreign partners.
4. Entrepreneurs can use lending services on concessional terms, in particular, the bank offers overdraft without paperwork and time-consuming.
5. In online mode, entrepreneurs can check their counterparties, the system will automatically issue necessary information about a business partner or customer.
6. Clients can use the "Lawyer 24" service for free, here you can get competent advice on various issues from lawyers.
7. For aspiring entrepreneurs, the bank offers business training and other consulting services.

Remote service

Finally, the method of service is important for each client, namely, remote services that allow you to manage your finances remotely. If we talk about the advantages of Promsvyazbank's Internet banking, the main one is a high degree of reliability, you can get access to the online account using your login and password, access is additionally protected by SMS codes.

It should be said that Personal Area the entrepreneur provides him with ample opportunities, here you can control incoming and outgoing payments, see graphs of income and expenses. The system will automatically assess your ability to allocate finances. Among other things, the bank offers not only a browser version of Internet banking, but also a mobile one, so you can use your financial account at any time of the day, regardless of your location.

To summarize, opening a current account for an individual entrepreneur in Promsvyazbank is really profitable, especially since the bank has a positive reputation in the financial services market and is gaining the attention of a million customers. Working with the bank, you can count on additional privileges in the form of preferential lending, because you can connect the overdraft service to your current account and use in cash even with a negative balance, however, at any time you can make an appointment with a specialist by number hotline and get a full consultation.

Promsvyazbank offers settlement and cash services for favorable terms... Among the advantages it is worth noting minimum cost opening a current account and its subsequent maintenance. The bank's clients can choose for themselves a suitable type of card and the best option for conducting settlements.

Types of RKO from PSB

Participants of small business, LLC, individual entrepreneur have the opportunity to choose the appropriate option for doing business in a financial institution, for this it is worthwhile to carefully study the tariffs for legal entities and familiarize yourself in detail with the conditions in Promsvyazbank. Your attention is offered:

• "Business Start" - free account opening and support, interest on the balance is not charged.
• Business 24x7 "- there is a fee for opening and maintaining an account. Entity can make free intrabank payments around the clock, any day, in addition, opening a business card is free.
• "Business SRO in construction", RCO "Business Overhaul" - opening and maintenance - 0 rubles per year, while the bank provides the opportunity for free certification of signatures, seal imprints and copies of documents.
• RCO "Business Overhaul" - there is a fee for opening and maintenance, interest on the balance is not charged, as a bonus 30 free external payments are provided.
• RCO "Business Overhaul" - the opening is free, the commission for depositing funds (0-3%) and their issuance (0-13%), free control of export-import operations is provided, there is a collection service, etc.
• RKO "Moe Delo" - there is a fee for servicing the account, minimum commission for withdrawing and depositing funds, the possibility of online accounting is provided. This is the optimal tariff for entrepreneurs who have just started their own business.
• "Opening and maintaining accounts" - paid opening and service, among the advantages - round-the-clock collection, safes for storing funds.

You can issue a cash settlement service from Promsvyazbank using the Internet, for this you need to visit the official website financial institution, where you can familiarize yourself in detail with the conditions and tariffs for individual entrepreneurs. For legal registration the signing of the corresponding agreement is implied. Regardless of the location of the client, Moscow or any other city, you can always get advice bank officer by phone or using internet banking.