Open an individual entrepreneur in Sberbank. How to open a Sberbank account for a legal entity

The Russian Federation can be used by both legal entities and individuals. Moreover, for the latter, opening such an account is a necessity when a person plans to use bank deposit programs or receive any payments (salaries, social payments, etc.). The account opening procedure will not take much time. You just need to contact a bank branch convenient for you to draw up an agreement. You need to take with you:

document confirming your identity (passport);
cash for the first contribution (for individuals, the minimum amount of such contribution is 10 rubles or 5 US dollars/euro or their equivalent (for foreign currency deposits).

When choosing a bank branch, be guided by such indicators as:

proximity to your place of residence/work;
the work schedule of the department itself;
proximity to ATMs, etc.

How to open a Sberbank current account for individual entrepreneurs?

To open a current account, an individual entrepreneur must contact the bank directly with the following package of documents:

passport;
certificate of state registration of an individual entrepreneur;
TIN certificate.

You need to bring original documents to the bank. The department staff will make photocopies of them, and they will also certify the received copies.

After this, the individual entrepreneur must fill out all the necessary applications and sign agreements for the provision of bank services. Now you can expect a notification that the account has been opened.

The estimated price for opening a current account for an individual entrepreneur is 2 thousand rubles. Another 50 rubles must be paid for certification of a copy of each document. The cost of a card with sample signatures at Sberbank is 300 rubles. It is also necessary to take into account that after the procedure, some funds will need to be present in your new account. A bank employee will tell you the amount. Approximately it will be from 2500 rubles.

How to open a Sberbank current account for an LLC?

For an LLC, a current account is practically the most important financial instrument. It is through him that all cash flows of the organization will be managed, from the transfer of wages to employees to the payment of taxes. After your organization is registered in the state register, you will need to open an LLC account with Sberbank. Its employees will tell you how to do this. And we will only outline the main package of documents that must be collected to apply to Sberbank of the Russian Federation on this issue. So you will need to provide:

The memorandum of association, as well as the charter of your organization.
Certificate that the legal entity was registered in the State Register of State Register.
Minutes of the meeting of the founders of the LLC or the owner’s decision to open the organization.
Tax identification number.
Extract from the Unified State Register of Legal Entities.
A letter from Russian Statistics, which will contain accounting codes.
Forms for all applications, questionnaires and contracts.
A card with signatures and seal impressions of the organization, as well as documents that indicate the appointment of the persons indicated on the card.

The law does not oblige private entrepreneurs to open a current account with a banking institution: for payments you can use bank cards or accounts opened for an individual. But most individual entrepreneurs understand that running a full-fledged business in such conditions is much more difficult. How to open an individual entrepreneur's current account with Sberbank is of interest to many entrepreneurs who are counting on long-term and productive cooperation.

High quality of services provided and their tariff affordability are the main principles of the work of this bank

The main advantages of servicing an account in the main bank of the country

An entrepreneur can work with cash, but in some situations it is impossible to do without a PC:

implementation of non-cash payments with counterparties;
accepting payments from clients for purchased services, goods on the Internet or through terminals under an acquiring agreement;
conducting government procurement, participating in tenders, wholesale trade is possible only with non-cash payments;
carrying out any major transaction (cash payments with legal entities are limited in amount, and cashing out is unprofitable due to the payment of a commission);
a personal account and card are not convenient for systematic large-scale transfers;
The validity period of any bank card is limited (3-5 years), the RS for an individual entrepreneur is valid indefinitely until the entrepreneur writes a statement about its closure.

Stages for concluding an agreement and starting to receive cash settlement services

Opening a current account for individual entrepreneurs with Sberbank has several important advantages:

the largest network of branches and terminals in the Russian Federation;
safety and reliability of settlement transactions is ensured by our own settlement system;
dedicated 24/7 telephone number for corporate clients;
connection to remote services that allow you to receive services without visiting the bank;
access to individual entrepreneur lending and deposit programs on special terms;
wide range of currencies for settlement transactions;
special offers on financial and non-financial products of partners and subsidiaries of Sberbank.

Advantages for clients when servicing in Sberbank

Often, a financial institution holds various promotions for its clients and offers its clients various additional services.

Pleasant gifts to clients in the form of bonuses when concluding a new cash settlement agreement

For example, now Sberbank makes a special offer when opening an individual entrepreneur’s account - 100 thousand rubles. as a gift for the first advertising campaign and bonuses from VKontakte, Yandex and myTarget.

To open a current account online, fill out the form

At the moment, there are two ways to sign an agreement for settlement and cash services. It is worth noting the speed of registration of the service - it takes a minimum of time. After a businessman contacts the bank about the provision of a service, he will need to fill out the necessary documents. After this, a current account can be opened even within an hour. If an entrepreneur wants to connect to a service such as Internet banking, then it is best to do this immediately, when signing a service agreement.

This procedure is carried out free of charge.

You can open an account in person at the office or online

Conditions for opening an account with Sberbank

More and more entrepreneurs are choosing Sberbank to open a current account for individual entrepreneurs. On the official website of the banking institution you can find a list of documents that you must have with you to activate the service. Please note that you need to take original documents with you, as bank employees will make copies of them. In addition to the identity card, company registration certificate, TIN, some additional papers may be required.

Filling out a bank card can cause some difficulties. The card must contain the signatures of those persons who will have the right to manage the PC. The bank card must be filled out legibly and in accordance with all the rules.

If an entrepreneur encounters such a procedure for the first time, he will need to adhere to the following procedure:

First you need to collect all the necessary documents. Do not forget that all documents must be originals.
The bank will need to fill out all the necessary paperwork. There should be no difficulties, since a bank employee will help you fill out the application and agreement. The main task of the client is to put his signature and ticks where necessary.
After this, the businessman will receive a notification that the bank account has been opened.
You will need to deposit money on PC. The rates will be described below.
An entrepreneur can connect additional services. Many people need to be able to make electronic payments. For this you need an Internet banking service.

Additional opportunities if you have an account with Sberbank

The most convenient option for opening a current account with Sberbank is remote. You need to act in this order:

prepare a package of documents (their list can be found on the bank’s website);
reserve a PC number online in advance;
no later than 30 days after the reservation procedure, you must provide documents to the banking institution;
when visiting a branch, select additional services (service tariff, Sberbank Business Online service, self-collection, business cards, etc.);
After checking the documents and signing a service agreement, the bank gives access to carry out transactions on the RS.

Tariffs for opening a current account in 2019

Tariff packages for individual entrepreneurs for maintaining RKO and their monthly cost

When signing an agreement for cash settlement services, the bank offers its clients 5 tariff options. Each package takes into account a different type of business, which is especially beneficial for entrepreneurs:

“Easy Start” (free service) – suitable for beginning entrepreneurs. The package includes a minimum set of services.
“Successful Business” (490 rubles/month) – designed for individual entrepreneurs running a seasonal business or having a small number of payments.
“Good revenue” (990 rubles/month) – for those whose business involves frequent deposits of cash into the PC. This package has a minimum commission for depositing cash;
“Active payments” (2490 rub./month) – when sending a large number of payments. One of the advantages is the ability to transfer the limit to the next month.
“Great opportunities” – for legal entities that carry out a large number of settlement transactions. This package provides a 50% discount on services.

To run a high-quality business, you need to choose the optimal package of services

The greatest demand among individual entrepreneurs when opening a current account with Sberbank is the “Easy Start” package, where most services are provided free of charge:

management of MS;
activation and maintenance of the Sberbank Business Online Internet bank;
all payments to legal entities with accounts in Sberbank;
payments to RS of legal entities opened in other banking institutions - 3 payments per month (over - 100 rubles per payment);
maintenance of a corporate card (1st year), subsequent years – 2500 rubles/year;
accounting (only for individual entrepreneurs);
transfer of payments to the state budget.

In addition, “Easy Start” provides the following commissions:

depositing cash through an ATM, terminal or cash desk – 0.15% of the deposited amount;
cash withdrawal from a business card – 3%;
through the branch cash desk – 5% (up to 5 million rubles), over – 8%
transfers from a legal entity’s account to an individual’s account at the standard rate (over 150 thousand rubles/month) – 1%.

For comparison, we will provide tariffs in other packages.

Operation name	Good season	Good revenue	Active settlements	Great opportunities
Payments to legal entities per month	up to 5 any (over – 49 rub.)	to 10	up to 50 (over – 16 rubles per payment)	internal - without restrictions, external up to 100 pcs. (over – 100 rub.)
Transfer to individuals' accounts	150,000 rub. (over – 1%)			300,000 rub. (over -3%)
Depositing funds through self-service devices	up to 50 thousand rubles. (above - at the standard rate)	up to 100 thousand rubles. (over commission -0.15%)	standard rate	up to 500 thousand rubles. (hereinafter referred to as standard commission)
Cash withdrawal using a business card	standard rate			up to 500 thousand rubles.

Depending on the city or region, tariffs for maintaining and servicing cash register services may vary slightly.

The banking institution offers its clients such a service as doing business online. This feature is included in the basic tariffs, but it is worth knowing that the number of transactions may be limited. If the limit is exhausted, then you will need to pay an additional commission for the next financial transactions. Each entrepreneur must choose a tariff based on their needs and preferences.

For the optimal choice, a tariff selection service is available on the Sberbank website. It's easy to use. It is necessary to answer the questions to what extent you plan to make payments, deposit and withdraw cash. After entering the data, the system will automatically select the optimal tariff for your business. Over time, you can switch to another package that better suits your business activities.

Registration of individual entrepreneur and account in Sberbank (video)

We told you how a current account for an individual entrepreneur is opened at Sberbank, see the video for more details:

Conclusion

To conduct a quality business, an entrepreneur cannot do without opening a current account. Sberbank offers several packages that are suitable for both beginning entrepreneurs and small businesses with a large turnover of funds.

The normal operation of any enterprise is impossible without opening a current account. Thanks to it, a legal entity can not only store funds, but also make calculations, make and receive payments. Services for opening such products are provided by banks. One of the industry leaders is Sberbank. You need to figure out how to open an account with this institution and what package of documents will be required for this.

Pros and cons of opening an account

Opening a current account is a right, not an obligation. However, without this action it is difficult to establish normal operation of the enterprise, and in most cases it is simply impossible. In addition, this procedure has significant advantages. This action makes it possible to:

Conduct a legal, transparent business without violating current legislation.
Ensure the security of storage of enterprise funds, payments and settlements.
It is easy and convenient to carry out payment transactions.
Open salary projects for company employees.

These advantages apply to all banking organizations. Using Sberbank services allows you to enjoy the following advantages:

An extensive network of ATMs and branches in all regions of the country.
Making payments from 6 a.m. to 11 a.m.
Possibility of remote maintenance.
Providing qualified advice at any time of the day. There is a special dedicated line for corporate clients.

The disadvantages of the procedure include the following factors:

The need to spend working time visiting a bank branch, collecting a package of documents, and drawing up an application.
Such services are provided on a paid basis. Accordingly, the company will have to add additional costs to the budget both for opening an account and for its maintenance.
In case of violations, there is a possibility of seizure and subsequent blocking of funds.

You also need to take into account the likelihood of bankruptcy of a banking organization, due to which the company will not be able to fulfill its obligations to counterparties on time. However, in the case of Sberbank, the risk is minimized.

Cost of the procedure

To open an account with Sberbank for a legal entity, you will have to pay. The bank wastes the time of its employees and its own resources. You will have to pay for both opening (a one-time payment) and maintenance. You should understand in detail the Sberbank tariffs that apply to this service.

For opening accounts

Now (September 2018) you can use the option for free if you choose a ready-made service package. If registration takes place on individual terms, the price will depend on two indicators: the region of registration of the client and the currency of the account. As an example, the cost of the service in several regions is given:

If the company operates in the Vologda region, you will have to pay 1,800 rubles for opening (1,900 rubles for an account in euros).
When registering an enterprise in the Altai Territory, you will have to pay 2,500 rubles, regardless of the currency.
The cost of opening for enterprises in the Voronezh region is 2,000 rubles (2,400 rubles if payments are made in euros).

The largest amount will have to be paid to companies operating in the capital. For Moscow enterprises, the cost of opening is 3,000 rubles (3,300 rubles in euros). At the same time, the cost for the Moscow region (excluding Moscow itself) is 2,600/2,700 rubles, depending on the currency.

For service

Tariffs for the Moscow region

The cost of service depends on the specific tariff plan. At the moment, a legal entity can choose one of the following tariffs (the cost of service is given for the Moscow region):

"Easy start." Basic service package, no service fee, but the number of transactions is very limited.
"Good season." For legal entities running seasonal business. The cost of service is 625 rubles per month.
"Good earnings." For enterprises that have established stable operations. Every month you will have to pay 1,290 rubles.
"Active calculations". You can make up to 50 payments per month. The cost of the package is 3,180 rubles.
"Great opportunities." For large enterprises. The most expensive package of services is 14,000 rubles per month.

For comparison: tariffs for Moscow

If these packages are not suitable for a legal entity, it is possible to draw up a constructor agreement including individual services. In this case, the cost of service is set individually.

How to open an account

The registration procedure consists of several stages. To carry it out, you will have to collect documents and visit one of the branches of the banking organization. Since the bank needs to verify the legality of the legal entity, the procedure may take some time.

Opening conditions

Both an individual entrepreneur and a legal entity can open a current account. The duration of the company’s activity, as well as the sector, do not matter. There is only one requirement - running a legal business. Before signing the contract, bank employees will check the company. Therefore, documents must contain accurate and up-to-date information.

Order/reservation

It will take some time to open. The company cannot always wait. If funds from a counterparty are expected to arrive in the coming days, you can use a reservation. It provides for the preliminary opening of an account with the issuance of its number to the legal entity. You must proceed as follows:

The account number will be received within five minutes from the moment the application is submitted. Only incoming transactions are allowed on a reserved account.

Documentation

The company is given no more than 30 days for further actions. During this time, it is necessary to collect all documents. To open an account with Sberbank for legal entities, you will need to collect the following documents:

Charter and other constituent documents;
an extract from the Unified State Register of Individual Entrepreneurs, as well as form P50007 from the Unified State Register of Legal Entities;
a card containing signatures of persons and seals of management (owners of a legal entity);
form with information about the organization;
company registration certificate;
letter from Rosstatistics with accounting codes;

You must have both originals and copies of these documents with you (they must first be certified by a notary). If necessary, a bank employee may require additional papers.

Identification procedure

In accordance with instruction number 28 issued by the Central Bank, a banking organization must identify a company before opening a current account for it. The check concerns the following data:

Company name, legal form, registration details.
Legal registration addresses.
Information on the availability of permits to conduct activities.
Information on the formation of the authorized capital.
Information about the persons who will manage the account.
Contact details.

Opening occurs only if the company has successfully completed the identification procedure. Otherwise, existing violations must be corrected.

The last stage of registration is the conclusion of the contract. If everything is in order with the documents, and the identification procedure has been successfully completed, an agreement is concluded between the bank and the company. In the future, you can open additional current accounts based on this document. That is, you will not have to collect all the documents again and submit an application.

Opening a current account through Sberbank Online

As soon as the registration process is completed, the company will have access to the Sberbank Business Online service. With its help, you can open accounts remotely. To do this you need to proceed as follows:

Go through the authorization procedure.
Enter menu "Invoices and statements."
Select item "Create a request", then "Opening an account"(in the context menu that opens).
Select currency and tariff plan.
Agree with the bank’s terms and conditions (it is recommended that you read them first).
Enter the code from SMS, which will be sent to the applicant’s number.
Click the button "Ready".

Review of your application may take several days. After opening the account will be displayed in your personal account. Via the menu "Invoices and statements" You can monitor the application review process or cancel it.

Opening an account in foreign currency

The process of opening a foreign currency account does not differ from the standard procedure. During registration, you must indicate the currency in which the account is opened. Payment is made in rubles. The same applies to registration of services remotely. When choosing a currency, indicate not rubles, but dollars or euros. The only difference is that in this case three accounts are opened at once:

To account for the currency held by the company (current).
To account for the company's revenue in foreign currency (transit).
And to account for currency purchased on the domestic market (special).

The cost of registration also depends on the region of operation of the enterprise. It is worth considering that you will have to pay more for the maintenance of such a product.

conclusions

Thus, opening an account with Sberbank for legal entities has its own advantages (ease of management, several tariff plans, security). To carry out the procedure, you need to collect a package of documents and submit them to the bank branch. You can reserve an account online, which will make it possible to receive funds from counterparties before the registration procedure is completed.

After registering the product, you can open new accounts through Sberbank Business Online. To do this, you need to submit an application in the service, and then wait for confirmation.

In contact with

Unlike a legal entity, it is not necessary to open a current account. However, due to the fact that it will still be needed for full-fledged and legal activities, many people immediately ask the question of how an individual entrepreneur can open a current account with Sberbank.

Why Sberbank?

Like any other bank, Sberbank has a lot of both positive and negative qualities. However, it is for individual entrepreneurs that the proposed conditions are quite favorable, compared with other financial organizations. In addition to the directly favorable conditions for opening and servicing an account, an additional advantage of Sberbank is a large number of service points, which greatly facilitates the work of individual entrepreneurs, making it more comfortable and faster.

Also, Sberbank is distinguished by its very high reliability, which plays an important role for many people who are worried about their funds and want to. No one wants to come to the bank one day and find out that all their accounts are frozen because the organization has gone bankrupt. The chance of this happening to Sberbank is extremely minimal.

Benefits of having an account

Thanks to the presence of a current account, an individual entrepreneur has the opportunity to quickly carry out any financial transactions in a non-cash manner: pay for goods and services, receive payments from other organizations and individuals, and so on. Since legal entities are required to make all payments exclusively through a current account, the absence of one for an individual entrepreneur can significantly complicate, or even completely negate all attempts at cooperation with counterparties.

In addition, if you open a current account with Sberbank for an individual entrepreneur, you can enter into an agreement on the provision of payment terminals with a plastic card. Previously, this was not particularly important, but recently more and more people understand the profitability, reliability and safety of plastic cards and use them much more willingly and more often. So, having the opportunity to pay for goods or services with a plastic card can attract more people to individual entrepreneurs

Card account

We should not forget that withdrawing money from an account into cash is not always profitable or convenient. However, if you link an individual entrepreneur’s account to a plastic card issued specifically for this purpose, you can freely transfer funds to it, and subsequently cash them out if necessary. All this is offered by Sberbank.

Opening an individual entrepreneur's current account is easier and faster than in most other banks, and high reliability and low maintenance fees will allow you to use your account comfortably and confidently. Also, this plastic card will help you pay more profitably and conveniently not only in the Russian Federation, but also in other countries, which can be very useful for those entrepreneurs who plan to conduct international activities.

Requirements for individual entrepreneurs

Sberbank has no direct requirements as such. However, there is a certain list of necessary papers that an individual entrepreneur must provide to the bank, since it is simply impossible to open a current account for an individual entrepreneur whose contract, documents or any other documents do not comply with legal requirements.

To ensure that there are no claims against the individual entrepreneur either from the bank or from the legislative bodies, it is required to provide:

application for opening an account;
certificate of registration with the tax office (it must be notarized);
Individual entrepreneur (also certified by a notary);
a copy of the extract from the Unified State Register of Individual Entrepreneurs (from the moment of issuance of such an extract to the moment of opening the current account, no more than one month should pass, otherwise it will not be considered valid);
a copy of the relevant certificate from the statistical authorities;
a copy of the license, if the activities of an individual entrepreneur are subject to licensing;
a copy of the entrepreneur’s passport;
seal impression and sample signatures of all persons who will, to one degree or another, have access to the current account (chief accountant, deputy, senior administrator, etc.).

After submitting all the listed documents, the account will be opened in the near future.

Sberbank conditions

According to what the instructions for opening a bank account for an individual entrepreneur say, tariffs and payments for its opening and maintenance may vary, depending on the territory in which the opening takes place. On average, the payment directly for the opening itself will be around 2,000 rubles, and monthly maintenance ranges around 1,500 rubles.

In addition, you can immediately write an application for connecting to Internet banking and for a corporate card. These financial instruments will eliminate the need to frequently visit the bank (and, as a result, there will be no need to waste time in line) and will allow you to easily and easily cash out the required amount if necessary.

pros

As mentioned above, Sberbank has many advantages, especially for those who want to open an account for an individual entrepreneur in Sberbank. What most entrepreneurs who are looking for a financial institution that would agree to open an account for them need to know is the fact that their funds will be completely safe at Sberbank. The reliability of this organization is unmatched among other banks in the Russian Federation. In addition, convenience and ease of service, relatively low tariffs, the absence of hidden commissions and payments, and a huge number of branches and branches in all cities of the country - all this will help you make the right choice.

Minuses

Like any other organization, Sberbank also has its negative sides. Despite the huge number of service points, the number of its clients is so large that very often you have to stand in queues at branches. Naturally, this is not acceptable time which costs money. However, once you stand in line to open a current account in Sberbank for an individual entrepreneur, you should immediately submit an application to connect Internet banking and a plastic card to this account. Thanks to the opportunities provided by such financial instruments, future visits to the bank can be minimized.

Results

Summarizing all of the above, we can conclude that opening a current account with Sberbank for individual entrepreneurs will be a very profitable and convenient solution for most citizens. Perhaps in other banks you can find lower fees for servicing, opening an account or other bonuses that are not provided by Sberbank, but when it comes to funds, it is recommended to overpay a little and be absolutely sure of their safety. This is much better than constantly twitching and worrying about whether tomorrow you will be able to work with your account or whether the bank will suddenly close (or have its license taken away).

In fact, there are many reasons why a financial institution may suddenly freeze money in an entrepreneur’s account, and not all of them depend directly on the bank, but if possible, such risks should be minimized. It’s one thing if movement on an account is stopped for a short period of time and one contract falls through, this is very unpleasant, but tolerable, and it’s a completely different thing if after an entrepreneur receives a large sum, his accounts are “suddenly” allegedly arrested, frozen, closed, etc.

Every legal entity and most individual entrepreneurs have to open a current account. Even if your business operates only in cash, LLCs are only allowed to pay taxes to the budget by non-cash payment. Sberbank is the largest bank in the country, including in terms of the number of corporate clients it serves. To be serviced by Sberbank for a legal entity and individual entrepreneur, you need to collect a package of documents.

Documents for opening a current account in Sberbank

The list of required papers may vary from bank to bank. For example, d for Sberbank LLC asks for a large package.

Documents for account in Sberbank:

Constituent documents of a legal entity (Charter and/or Memorandum of Association). You can provide originals or notarized copies.
Certificate of state registration of a legal entity and/or certificate of entry into the unified state register of legal entities. Original required.
Certificate of registration with the tax authority. An original is provided, from which an authorized Sberbank employee can make copies.
Extract from the Unified State Register of Legal Entities. An original or a notarized copy will do. It is also allowed to submit a copy made through the tax service service and signed with an enhanced qualified electronic signature of the Federal Tax Service. For legal entities registered for no more than 1 month, instead of an extract from the Unified State Register of Legal Entities, a Record Sheet in form P50007 may be submitted.
Card with samples of signatures and seal impressions. The card must be notarized. Another option is to get a card directly at the bank in the personal presence of all the persons indicated on it.
Client information according to the bank form. The form must be downloaded from the Sberbank website.
Documents confirming the authority of the persons indicated on the card to manage the account. The term of office must be reflected. Originals or notarized copies must be submitted.
Documents confirming the powers of the sole executive body of a legal entity, including extension of the term of office. Original or notarized copy.
Identification documents of the persons indicated on the card. Originals required.
Licenses (permits) - if the activities of the LLC are subject to licensing.
License to work with state secrets (if available).
If you plan to open a current account for an LLC through a representative, then a power of attorney is required to confirm his authority, as well as an identification document.
If a client connects to the E-invoicing service and submits an application to receive a qualified electronic signature key, it is additionally required to submit SNILS (insurance certificate of compulsory pension insurance).

Reservation of a current account in Sberbank

As you can see, opening a current account with Sberbank for LLCs and individual entrepreneurs is not so easy. You need to collect documents in advance, almost immediately after registering the company. While you are preparing the documents, you can use the service of reserving a current account. Sberbank offers to reserve an account through an online service posted on the website. You can receive your future account details in just 5 minutes.

A reserved account can only be used to deposit funds; you will not be able to withdraw money. Within 30 calendar days from the date of reservation, you must provide all documents to the bank. If the bank considers the documents to be correctly executed, the reserved account will become a full-fledged settlement account. You will be able to manage all accumulated funds and perform any banking transactions.

If you have not provided a set of documents within 30 days, the reserved account is canceled and the funds on it are returned to the senders.

Sberbank tariffs and service packages

Of course, one of the key points when choosing a bank is tariffs for opening an account and beyond settlement and cash services. In the table below we reviewed the most popular Sberbank service packages with current prices as of January 1, 2017. The information concerns the city of Moscow. In other regions, the cost of services may vary.

Package "Salary"
4800 rub./month.

Package "Minimal"
1700 rub./month.

Package "Basis"
3100 rub./month.

Package "Active"
3200 rub./month.

Optima package
4100 rub./month.

Internet banking using the Sberbank Business Online system
up to 30 payment orders per month Cash withdrawal up to 200,000 rubles per month Transfer of funds to individual accounts under a “salary” agreement

Internet banking using the Sberbank Business Online system up to 5 payment orders per month

Cash acceptance up to 50,000 rubles per month

Internet banking up to 10 payment orders per month

Accept cash up to 80,000 rubles per month

Cash withdrawal up to 140,000 rubles/month.

Internet banking up to 20 payment orders per month

Cash acceptance up to RUB 300,000.

Cash withdrawal up to RUB 100,000.

Internet banking up to 30 payment orders per month

Accept cash up to RUB 150,000.

Cash withdrawal RUB 250,000.

Advantages of Sberbank

High bank reliability. In times of economic instability, bank closures are not uncommon. In Russia, since the beginning of 2016, the licenses of more than 70 banks have been revoked. You cannot envy the clients of these banks, since it is very difficult for them to return their own funds. Opening an account for legal entities with Sberbank can become a guarantee against sudden bankruptcy. The country's largest bank will not lose its license.
Wide branch network. Sberbank leads in the number of branches and branches. This is a bank within walking distance. Even abroad you can use its services.
Sberbank provides advice and support on foreign economic activity. Opening a foreign currency account on the same day is not a problem.

Disadvantages of Sberbank

Cost of services. Opening a current account for an LLC in Sberbank will be more expensive than in many other banks. The cost of service packages is higher than similar conditions offered by competitors. There are fees for internal transfers, unfavorable exchange rates, etc.
Sberbank is reluctant to work with small businesses; it is interested in large clients. A small LLC may be refused to open an account.
Sberbank, as a very large financial structure, is inert. Quite a lot of bureaucracy. The package of documents for opening an account is “bloated”. When servicing legal entities, queues are not uncommon.
Sberbank lacks flexibility and an individual approach to the client. Today, many banks offer the client to create his own personal package of services, which includes only those operations that are really needed.
Your current account may be unexpectedly blocked if the transactions you carried out seemed dubious to bank employees. Unblocking is a long and tedious process.
There is a problem with technical means. Users mainly criticize Sberbank Online for the lack of the ability to fully manage accounts.

Summary

In this article, we tried to talk about all the main points that accompany opening an account with Sberbank. Whether to follow our recommendations and where to open is, of course, up to you. In any case, you should not rely on “luck” or the opinion of one or two people. Carefully analyze and compare the tariffs, conditions, and capabilities of different banks. Read reviews on the Internet, talk to bank employees. These steps will help you make the right decision and choose exactly the bank with which you will be pleased to cooperate.

This article is the first of three that talk about the most popular banks for opening a current account. Read also our articles about and bank.

How to open a current account in Sberbank for a legal entity and individual entrepreneur updated: November 30, 2018 by: Everything for individual entrepreneurs