What is a personal and current bank account? How to open a personal account for utilities

Personal account is a fairly capacious concept that is widely used in various spheres of human activity. Depending on the purpose and affiliation, personal accounts can contain information about personal savings, salary transfers, settlement facts under any agreement, and amounts of taxes paid.

The most familiar term to us describes what a personal account is from the point of view of the client-bank relationship. According to it, a personal account is understood as a register of cash flows for a specific legal entity or individual, reflecting all transactions of this company or individual.

The distinctive characteristics of a personal account are:

• a unique digital identifier, the structure of which includes the digit of a twenty-digit bank account starting with 14 and ending with 20,
• personal account for account analytics, performing some financial transactions online, communicating with the bank,
• the absence as such of a limit on withdrawal of funds,
• no ban on cashing out proceeds.

At the same time, quite often a bank personal account is confused with such a concept as a current account.

Difference between personal and current account

Current account and personal account are often confused concepts. Indeed, a company can have both a personal and a current account. The same situation applies to an individual registered as an individual entrepreneur. This raises the question for many: is there any point in opening a current account when you can use a personal account?

Yes, it makes sense. And, moreover, a current account is a prerequisite for conducting business, while a personal account is intended only for a small number of payments, mostly related to utility bills, as well as personal accumulation of funds.

It is enough to simply notice the difference between one type of account and another by studying the table below:

Documents for opening a personal account

Both an individual and an organization can open a personal bank account. However, in both cases, the owner cannot dispose of it for commercial purposes. This means that transfers to the account with a note indicating payment for any services are not possible. This problem is especially acute for organizers of joint procurements that are so popular today (when payment for goods is transferred to a card and not to a bank account, as provided by law).

So, in order to open a personal account, the bank must provide the following for an individual:

• application for opening a personal account,
• passport of a citizen of the Russian Federation,
• TIN (if the certificate is received).

For an organization, the list of documents will be more expanded, but will also include an application for opening a personal account and the applicant’s passport. Additionally, LLCs and JSCs will need a OGRN Certificate, INN, an extract from the Unified State Register of Legal Entities, as well as charter papers.

An important point is the timing of opening - a personal account is fundamentally different from a current account. You can receive it on the day you contact the bank; the settlement account opens, as a rule, no earlier than every other day. You can also open a personal account online using your personal account on the bank’s website; this is not possible for a current account.

Types of personal accounts

A personal account is not only bank terminology. It combines:

• employee personal account,
• bank,
• taxpayer account,
• manager,
• shareholders,
• the insured person,
• account in housing and communal services.

At the same time, if we talk about a personal account exclusively in a bank, it can also be divided into the following types of personal accounts:

• salary,
• cumulative,
• poste restante.

Just like a current account, it can be in rubles or foreign currencies.

Personal account in the Treasury

The personal account in the Treasury deserves special attention. It is necessary for recipients of subsidies and companies counting on signing a government contract, so it will differ significantly from bank accounts. However, not every organization can open an account with the Treasury.

The regulations describing how to open a personal account with the Treasury are given by:

• Federal Law No. 359-FZ dated December 14, 2015,
• Order of the Ministry of Finance of Russia dated December 25, 2015 N 213n,
• Decree of the Government of the Russian Federation of 02/04/2016 N 70.

The use of a personal account for conducting commercial activities is prohibited by law, however, the presence of such a bank account allows you to transfer profits from an individual entrepreneur’s account to a personal account quite quickly and without any commissions.

Of course, there are a number of restrictions on transfer amounts, and funds in excess of the established limit may require the payment of a commission. But modern electronic systems (bank-client, online banking) allow you to make transfers between your accounts without paper, visiting a bank office or filling out a check. When “transferring” money from an individual entrepreneur to a personal card, you will only need to enter the required transaction online and see the transaction almost instantly.

In order to open a personal bank account online, you can submit an application now by filling out the form below. We will offer you the best bank rates, as well as the fastest possible service.

Share on Facebook Share

Share on TwitterTweet

Share on Google Plus Share

Share on Pinterest Share

Share on LinkedIn Share

Share on Digg Share

Do I need a current account for individual entrepreneurs and LLCs?

By law, individual entrepreneurs and organizations are not required to open a bank account.

However, please note that a current account will be required:

• Organizations for paying taxes in non-cash form (this rule does not apply to individual entrepreneurs). Until recently, non-cash payment through a bank account was the only way for an organization to fulfill its obligation to pay taxes. But, with the entry into force of changes that made it possible to pay taxes by third parties, organizations now have the opportunity to pay mandatory payments by an individual (director or founder) through a bank cash desk, bypassing a current account. Judicial practice also speaks about the possibility of this method. This means that an organization can formally exist without a settlement account, but tax authorities have a negative attitude towards this situation, which is confirmed by the letter of the Federal Tax Service of the Russian Federation dated September 28, 2016 No. 3N-4-1/18184@, which states that the general director or founder is not has the right to pay taxes for the organization, except in cases where the company’s account is blocked and the organization has no other opportunity to transfer the tax.
• Individual entrepreneurs and organizations when concluding an agreement with other individual entrepreneurs or organizations for an amount exceeding 100,000 rubles. The fact is that payment under such agreements is carried out between them only in non-cash form. It does not matter how the payments will be made: at one time or in stages, over a long period of time.
• Individual entrepreneurs and organizations that have a cash balance limit set (since 2014, individual entrepreneurs and small organizations may not set a limit, but for this a special order must be issued). According to the rules of cash discipline, all cash of the enterprise, in excess of the established limit at the end of the working day, must be handed over to the bank for depositing into the current account.

In general, it can be noted that many individual entrepreneurs in practice use a current account even if they do not need it when conducting their business activities, since with its help it is much more convenient to pay taxes and insurance premiums (meaning Internet banking). The exception is for individual entrepreneurs on PSN without employees, who can do without an account, since they do not need to make many payments during the year. As for organizations, they will definitely need a current account to pay taxes and insurance premiums.

It is prohibited to use current accounts of individuals for business purposes (even to pay taxes or other payments).

What documents are needed to open a current account for individual entrepreneurs and LLCs?

Different banks require different lists of documents to open an account. From September 1, 2016, it is no longer necessary to submit a registration certificate and a certificate of registration with the Federal Tax Service to the bank. The bank will independently make a request to the tax office.

Also, it became possible to open a current account via the Internet, without a personal visit to the bank, provided that you have previously been serviced by this bank.

The bank may require the following documents:

List of documents for opening an individual entrepreneur current account

• identification document of an individual;
• documents confirming the authority of the persons indicated in the card to manage funds in the current account (if such authorities are transferred to third parties);
• licenses (patents) issued to an individual entrepreneur for the right to carry out activities subject to licensing (regulation by issuing a patent).

List of documents for opening an LLC current account

• LLC charter;
• card with samples of signatures and seal impressions;
• documents confirming the powers of the sole executive body of a legal entity;
• documents confirming the election or appointment of the persons indicated in the card;
• documents identifying the officials and/or persons authorized to manage funds in the account (or information about their details);
• licenses (permits) for the right to carry out activities subject to licensing.

What is a current account?

Every enterprise needs to make settlements with counterparties: it transfers funds to its suppliers, receives money from buyers for products supplied to them, and so on. To solve this problem, a bank account is opened, intended for carrying out payment transactions. Currently, almost all operations are carried out using remote banking services (Client-Bank or Internet Bank applications), which significantly saves employee time. As soon as an enterprise receives a certificate of registration as a legal entity (or an individual is registered as an individual entrepreneur), he needs to open a current account in order, at a minimum, to pay taxes and other mandatory payments to the state.

To do this, you need to come to the bank and provide the following package of documents:

• A card with sample signatures of persons who can manage funds in the account (usually the director of the enterprise and the chief accountant). This form can either be certified directly by bank employees, or by a notary, who will certify the rights of the responsible persons.
• Constituent documents (TIN, registration certificate, extract from the state register, charter, orders for the appointment of responsible persons or similar decisions of the founders). All documents must be certified by the seal of the enterprise.
• Copies of passports of persons who will manage the company’s funds in the account.
• Application in the prescribed form for opening a current account.

After this, the bank carries out a legal examination of the documents so that all documents comply with the current provisions of regulations and all responsible persons have the necessary rights. Information is also checked by the security service. If among the managers or owners of the company there are persons who have or have had problems with the law (conviction for economic crimes, management of a large number of enterprises, previously engaged in illegal schemes for optimizing tax payments), the bank may refuse to open an account, since financial organizations carefully monitor their own reputation.

In case of a positive conclusion from the legal department and security service of a banking institution, a current account for financial transactions is opened for an entrepreneur or enterprise in a credit institution, which is a unique twenty-digit code.

Using the account, you can perform any payment transactions in favor of the state, counterparties and individuals, as well as carry out various financial transactions (for example, obtaining and repaying a loan, replenishing a deposit or withdrawing cash during periods of lack of funds). Also, a current account is necessary to receive payments from buyers and customers, and when carrying out retail trade, to deposit cash received from customers to ensure subsequent payments.

Opening and maintaining a bank account is a paid procedure. The financial institution, in accordance with the concluded agreement, charges the client a fee according to the established tariffs without acceptance (in other words, the client’s consent to carry out such an operation is not required).

One of the main features of a current account is the presence of a remote banking service agreement. Using the “Client-Bank” service, you can perform all necessary banking operations, except for withdrawing and depositing cash.

What is a personal account?

As a rule, a personal account is opened by ordinary citizens. A personal account is opened when a person enters into an agreement to deposit funds. Just like a current account, a personal account is a twenty-digit unique code. With its help, the bank maintains analytical records when performing settlement transactions with an individual’s funds.

To transfer money to your relative, or transfer someone a reward for services rendered or goods sold, you need to know his personal account. Currently, you can encounter situations where a personal account is “linked” to a phone number or credit (debit card), which simplifies the transfer process. Having a personal account to carry out any payment transactions is mandatory.

A personal bank account should be understood as:

• a special entry in the accounting system of a financial organization, which records the funds of a client - an individual;
• part of the unique twenty-digit current account number, which allows you to identify a specific client;
• an individual’s account in the Internet bank or when opening a demand deposit for making settlement and payment transactions.

A personal account can be used for the following purposes:

• transfer of funds to legal entities (payment for utilities, purchase of goods, etc.); obtaining and repaying loans;
• receiving remuneration from the employer and other persons;
• storing funds on deposits.

The main limitation that a personal account has is the impossibility of using it to conduct business activities, with the exception of transactions for the transfer of taxes and other obligatory payments.

At the same time, legal entities and individual entrepreneurs can also open a personal account with a banking organization. But such accounts are not used for settlements with counterparties for services rendered or goods sold. Most often, they are created to transfer wages to employees, as well as when receiving loans. Using a personal account, a company receives credit funds and makes loan payments.

Differences between personal and current accounts

So, the main difference between the two types of accounts that customers open in banks is as follows:

• unlike a current account, a personal account does not allow for monetary transactions to conduct commercial activities;
• used only for expenses not related to business activities: payment for mobile communications, housing and communal services, opening deposits and replenishing them, purchasing currency, obtaining credit funds, issuing wages, and so on.

A current account, unlike a personal account, has the following characteristics:

• used exclusively for conducting business activities (making payments, receiving payment for services rendered or goods sold on a regular basis);
• provides the owner with the opportunity to carry out payment transactions from other bank accounts;
• opens only to legal entities and entrepreneurs;
• if necessary, can be used to store funds, which is a function of a personal account;
• Current accounts are opened for clients only in banks. In contrast, personal identification cards can be opened at mobile operators, insurance companies, etc.

Some entrepreneurs and legal entities open personal accounts and try to use them to conduct commercial activities, but this is extremely difficult to do. Banks have the authority to monitor the transactions of their clients, and if they detect regular receipts and payments on a personal account that indicate commercial activity, financial institutions can block such transactions and terminate relations with such clients.

The desire to use personal accounts is due to the fact that they differ from settlement accounts in lower service rates and the simplified nature of working with cash. However, at present, banks very strictly monitor the circulation of cash and the correctness of cash transactions by enterprises, since this function is prescribed to them by law. Therefore, in addition to terminating cooperation, banks can also report suspicious transactions to the tax authorities, which is fraught with administrative and criminal liability for their clients.

Thus, it is recommended to use different banking services in different situations and take into account the differences between personal and current accounts. Legal entities and entrepreneurs should open current accounts to carry out their activities; personal accounts can be used to transfer salaries to employees or obtain a bank loan. Individuals can use facials to complete all transactions. Moreover, in both cases there is the possibility of remote servicing for them to complete the necessary operations (making payments, opening deposits, receiving rewards, and so on). Violation of agreements with banks in order to save money or gain additional opportunities can lead to significant losses.

Checking account

This account means an account of a legal entity that owns an independent balance in the bank. This account determines the storage of funds and the implementation of non-cash procedures with other individuals and legal entities. The main criterion is that it is not used to make a profit and store funds, in other words, a current account is created so that the client can access and manage funds at any moment (transferring funds to a counterparty, depositing a certain amount into the account, or its removal).

Let's consider opening a current account. It should be noted that the current account is formed only in ruble currency; for foreign currency, accounts of a different nature are opened. So, to open a current account in the selected bank, the following package of documentation is provided:

• Card with samples of signatures and seals of senior officials.
• Information about the absence/presence of debt from the tax office.
• A document proving the identity of those persons who will have access to the current account.
• Copies of constituent documents previously certified by a notary.
• Completed agreement for opening a current account, application and questionnaire.

Decryption of the current account. The current account contains 20 numbers, which are divided into 6 groups:

1. Group No. 1 covers the initial 3 digits (digits) indicating the purpose of the account (accounting for capital, fund, income and losses of a credit institution, storage procedure, interbank postings).
2. Group No. 2 contains the next 2 digits after group 1, namely numbers 4 and 5. This group will thoroughly decode the indicators of the first group.
3. Group No. 3 serves as an indicator of the currency in which non-cash transactions are carried out.
4. Group No. 4 includes one single figure, which is a control parameter, calculated using a complex formula, and intended to test the accuracy of specified accounts when performing operations.
5. Group No. 5 includes 4 digits indicating the number of the bank’s head office or branch.
6. Group No. 6 covers the last 7 digits, which are the account number.

Personal account

The concept of a personal account refers to an accounting register that is maintained for a specific person or specific organization. Depending on the type and its function, various types of information can be displayed in a personal account. Types of personal account and purpose. Let's consider the types of personal account, namely:

• Employee's personal account (standard form). This register is used in personnel records. This register contains data on wage accruals, bonuses, allowances, benefits, financial assistance, etc. For an employee, a personal account is the fundamental documentation for payroll accounting.
• A bank personal account records all the relationship between the bank and the client. In bank institutions, operations are divided by type, so the bank opens several personal accounts for an individual client for each type of operation.
• Taxpayer's personal account. This register is also formed for each taxpayer. This account is opened at the time of registration of a person with the tax office as a taxpayer. Here, accruals and fees are kept in accordance with the approved budget systematization, where each item is assigned a unique code.
• Personal account of shareholders. All data on securities owned by an individual or legal entity is displayed here.

Difference between current and personal account

So, having studied the 2 accounts above, we can safely talk about the significant differences between these accounts, namely:

1. A personal account is opened by a bank primarily for legal entities, and a personal account is opened for individuals.
2. A personal account is intended for conducting operations in the field of commercial activities, while a personal account is for personal use.
3. R/s - this term is used only in the banking sector, and the term personal account has a large number of meanings.

1. Salary project parameters

To use the built-in electronic exchange capabilities, a salary project must be created and described in the program. It can be created either at the moment of specifying the place of payment, or at another moment - added to the Salary Projects directory (Fig. 2)

In the salary project card, select the Use electronic document exchange checkbox. After checking the box, a workplace for exchange with banks on salary projects and the corresponding documents that are generated from this workplace become available. When electronic exchange is enabled, in the salary project card it becomes possible to specify additional information that is necessary when generating files for the bank. They must be filled out in accordance with the terms of the salary project. The bank is selected from the corresponding directory, so you need to create a bank in the directory. It is important to indicate the correct BIC: it is used to control the correctness of employee personal account numbers. The format version (File Format field), as a rule, is indicated as the latest one (filled in by default). You can additionally clarify with the bank the standard version number it requires. The name of the salary project is used only within the program - for ease of selection if there are several projects. It is generated automatically, but can be edited. As part of the salary project, the bank can issue cards of one or more systems (at the employee’s choice), for example VISA and MasterCard. The systems supported by the bank should be listed in the table, then they will be available for selection when filling out an application for opening personal accounts. If the selected bank supports the 1C: DirectBank service, then you can connect to it using the command of the same name from the salary project card.

2. Payment of salary

To generate files on salary crediting, statements must first be submitted to the bank - they contain information about employees and the amounts that should be transferred to these employees. The generated statements are reflected in the Workplace Salary Entry table - such lines indicate that they are ready for uploading. Each statement is uploaded to a separate file using the appropriate button. It is also possible to combine several statements paid by one payment order and upload them in one file. To do this, you need to select in the table the statements that should be combined and click the Payment order button. Instead of the statements included in the payment order, the table displays a line with this payment order.

Statements or payment orders are uploaded either to the exchange file directory specified in the workplace, or, if it is not specified, to the one selected directly during upload. The uploaded files must be transferred to the bank.

If the bank supports sending confirmations of the transfer of funds, then after receiving confirmation files they should be loaded into the program. Confirmations are downloaded by clicking the button of the same name in the workplace (Download confirmations) - the file received from the bank is indicated. As a result, the program creates a document Confirmation of salary transfer.

If the outcome is favorable, the confirmation will contain information that all employees have been credited with money. Such statements are no longer displayed in the list of statements in the workplace. You can turn their display on and off again using the button in the panel above the list.

The amounts on the statement may not be credited to any employee. In this case, the statement line reports Not Enrolled (all lines are errors). For all employees, the debt is again considered unpaid, as if the statement had not been issued. In this case, it becomes possible to re-issue the statement. By clicking the Re-issue link, confirmation of enrollment is cancelled, the statement becomes available for re-uploading the file, and confirmation is again awaited.

Finally, if some employees’ enrollment is confirmed, but some are not, then the statement line reports Enrolled with errors (partially). For all employees whose enrollment was not confirmed, the debt is again considered unpaid, as if the statement had not been issued for them.

Such a statement ceases to be displayed in the list of statements, as in the case of successful enrollment. In a similar way (using the button), you can enable the display of such statements. Using the Reissue link, you can create a new statement for the bank - it will include employees whose enrollment has not been confirmed. Work with this statement is carried out as with the one created initially: the file is uploaded, confirmation is expected and downloaded, etc.

The program considers that if the amount for an employee was not credited, then it was not credited in full. That is, it cannot be reflected that part of the amount was credited and part was not.

3. Personal accounts of employees

Personal accounts of employees for salary projects within the framework of electronic exchange are stored in the corresponding information register (Fig. 3)

The personal account parameters indicate:

Month of opening a personal account – It is possible to indicate the month from which the personal account is considered open, as well as storing the history of changes to the employee’s personal account. This may be useful, for example, when a new personal account is opened for an employee, but it is required that the transfer to it be made not immediately, but from some future month. Please note that the program does not have the ability to indicate that in the same month an employee of an organization has several personal accounts open at the same time (for example, for different salary projects of this organization).

Entering the numbers of already opened personal accounts – The personal account number must consist of exactly twenty digits. In addition, when entering a personal account, its correctness is controlled by calculating a control number (from the digits of the number itself and the BIC of the bank specified in the salary project), which is compared with the control number in the number. However, the program simply prompts that the personal account may have been entered incorrectly, but does not prohibit its further use. If such a prompt is issued, you should check whether the account number is entered correctly. If the number really does not consist of 20, but of a different number of digits or it contains other symbols, then you should clarify it with the bank: the standard exchange standard does not provide for such numbers, and subsequently funds may not be credited to such an account.

3.1 Opening new personal accounts

It is convenient to carry out work on opening new personal accounts from the exchange workplace with banks (see the hyperlink for opening personal accounts in Fig. 1). The table displays employees of the selected organization (the list can be further limited by division) for whom the program has not entered personal account information for any payroll project (for example, newly hired employees).

“Deferred” employees are not displayed in the list by default, and an application for opening accounts is not filled out for them, and they are not uploaded to a file. If you subsequently need to apply for them, you will need to click the button with the image of the cards in the panel above the list. Then they will be shown in the list, and to be able to include them in the application, you should click the Resume link. Pressing the button again returns the list to its original state, when “deferred” employees are not displayed in it.

After the list of employees for whom it is planned to formulate an application for opening personal accounts has been selected, it is necessary to fill out information that will be transmitted to the bank. Information for each employee is entered on several tabs in the application document, which is opened by clicking the Edit Application form button. In the application, when you select a specific employee in the bookmarks, his data is edited.

3.2. Closing personal accounts of dismissed employees

If a payroll project is selected in the workplace, for which a file format of at least version 3.3 is specified, then a table becomes available for carrying out work on closing personal accounts. The table is filled in by dismissed employees who have open personal accounts for the selected project. When filling out the table, an employee is considered dismissed if he does not have a single job left in the organization.

The file (application for closing accounts) is uploaded using the command of the same name. Further work with closed personal accounts is not expected or required.

4. Application for opening personal accounts

The document is intended for preparing electronic applications for opening personal bank accounts for employees for subsequent transfer of salaries to their plastic cards.

If the salary project card (see Figure 2) specifies file format version 3.5, a field appears in the application for opening personal accounts to indicate the employee’s SNILS

The bank adopts an internal document containing banking rules, according to which the following is established:

• distribution of competences in the field of opening and closing bank accounts among the bank’s structural divisions;
• the procedure for maintaining and storing a book of registration of open customer accounts;
• procedures for establishing the presence at the location of a legal entity, its permanent management body, other body or person that has the right to act on behalf of the legal entity without a power of attorney;
• procedure for opening and closing bank accounts;
• the procedure for the credit institution to prepare documents used when opening and closing bank accounts;
• the procedure for making and certifying by a credit institution copies of documents submitted by the client;
• rules for document flow from the moment of receiving documents from the client (his representative) until the moment the client is informed of the bank account number;
• the procedure for organizing work on preparing and sending messages to the tax authority about the opening (closing) of bank accounts, taking into account that the bank must promptly notify the tax authorities about the opening of a current (current) account for the taxpayer. In accordance with Art. 86 of the Tax Code of the Russian Federation provides for a five-day period for notifying the tax authorities. For failure to comply with this norm, banks are liable in accordance with Art. 132 Tax Code of the Russian Federation;
• procedure for changing bank account numbers;
• procedures for accepting documents for opening bank accounts;
• procedure for issuing a card;
• the procedure for notifying clients about the details of their bank accounts;
• the procedure for recording and storing documents (including in electronic form) received when opening, maintaining and closing bank accounts;
• the procedure for forming a legal case;
• procedure for access to clients' legal files;
• the procedure for transferring legal cases to a division of a credit institution, in which it is necessary to provide that if a settlement sub-account is opened for a branch or division of an enterprise at its location, then the cards are certified by the parent enterprise. In this case, the cards are accompanied by an order to create a subdivision and a statement indicating the operations that are allowed to be performed on this subaccount;
• frequency of updating customer information;
• other provisions governing the opening and closing of bank accounts.

Not only accountants have to operate with such concepts as personal or current account. Any adult citizen had to pay fines, bills for housing and communal services or mobile communications. The majority have plastic cards in their hands and hold deposits.

Conducting banking operations involves clear identification each client, as well as strict accounting of all financial transactions. For this purpose, digital combinations are used, which are commonly called personal and current accounts (abbreviated RS or LS).

The latter reflects current monetary transactions carried out between counterparties. A personal account is an accounting register that records information related to financial transactions, including the date, document number, code, and cash balance.

A current account reflects the state of funds belonging to an individual or company. The code is used for:

• access to savings through various channels, including remote control;
• saving savings;
• capitalization of income;
• making payments, transfers, accepting payments;
• receiving social benefits;
• conducting transactions related to commercial activities (for individual entrepreneurs and firms).

In modern banking practice, it is customary to include ruble demand deposits opened by legal entities as settlement deposits.

Difference from calculated

Two types of accounts, personal and current, are connected to each other, therefore, to credit funds, bank details must be entered both combinations of numbers. However, these concepts should not be confused, since there are a number of differences between them.

If current accounts are used only by banks, then public and private organizations operate facial: housing maintenance offices, mobile communication companies, tax service.

A personal account is not suitable for transferring or receiving funds from other persons and is used for making payments or managing finances; it is opened for individuals.

A settlement account is required when conducting business-related transactions. With its help, you can purchase goods from suppliers, store funds, make interbank transfers, and pay salaries to employees.

The current account is a combination of 20 digits, divided into five groups. If you depict it symbolically, it looks like this: “AAAAAA BBB WITH DDDD EEEEE.” Essentially, the number represents encoded information. First group consists of five numbers, from which you can find out who opened the deposit and for what purpose.

Second group symbols, consisting of 3 digits, indicates the currency in which the deposit is opened. The meaning of these combinations is determined by the all-Russian currency classifier. For ruble accounts it is 810, for dollar accounts it is 840.

Ninth digit represents a verification code calculated based on an algorithm that takes into account the remaining digits of the code and the bank’s BIC.

Numbers ten to thirteen allow you to determine the division of the financial organization in which the deposit was opened. If a credit institution does not have branches, zeros are written instead of numbers.

The remaining group of seven characters represents the facial code. This number is also divided into groups, but the decoding of the values ​​depends on what type of balance sheet account is used and is determined by the bank’s accounting policy.

In accounting at enterprises, it is used for analytical accounting. unified form T-54. The document consists of two sheets. One of them indicates information about the organization and information about the employee, including:

• date and place of birth;
• having a family;
• amount of children;
• SNILS number;

The table, which serves as an appendix to the main document, displays information about hours worked, vacation, working conditions and payment. Earnings, accrued compensation, payments and deductions are also reflected here. In addition, an individual combination of numbers assigned to employees allows control the payment of taxes and contributions.

In the bank

This accounting register displays all financial relationships credit institution with the client, including the movement of funds on receipt and expenditure documents. The capitalization of interest on deposits, that is, the interest accrued by the bank, is also displayed here.

Organizations that are clients of the bank also open a personal account, which is used to record finances, as well as to carry out certain types of activities related to commerce.

What is a financial-personal account

The financial and personal account is issued on all types of residential premises, regardless of ownership. Citizens can be the owners of a house or apartment or occupy it on the basis of a lease agreement. The document displays information about the premises, including:

• the address where the residential property is located;
• area (living and general);
• the nature of the premises (separate, communal);
• height of the house;
• degree of wear and tear of the building.

In addition, the document describes the degree of improvement of housing, that is, the availability of water, gas, centralized sewerage, an elevator, and a garbage chute. It also contains information about all residents. If the premises are owned, the share of each owner is indicated.

Areas of use

Personal accounts are found wide application in many industries that require accounting.

Organization

Not only banks, but also various organizations can assign identification codes to their clients. The simplest example of such accounting is provided by mobile operator companies. When replenishing the mobile phone balance, the money is credited to the client’s DM. The document displays all expenses and receipts of funds.

This analytical tool is used by business accountants. An individual number assigned to each employee allows you to control tax deductions and payment of contributions. A similar accounting system is used by the Pension Fund.

Individual

Any adult citizen can open a personal account at a bank for regular or one-time receipt of funds. The method is used to sell cars or real estate to ensure the security of the transaction.

Often the financial instrument is used to make non-cash payments and receive child benefits.

Although drugs are intended for personal use, a commercial structure can also use them to obtain a bank loan or repay a loan, as well as for the purpose of conducting social activities or charity.

Servicing the account will be cheaper, but it should not be used for business activities.

Department of Housing and Utilities

The activities of housing maintenance enterprises are carried out at the expense of contributions received from owners or tenants of housing. To transfer funds, each apartment or low-rise building is assigned an individual digital combination, which is reflected in payment documents as a personal account, abbreviated as “l/s”.

A digital code may be required when paying for the use of utilities, the Internet or telephone. You can find out the digital combination:

• from payment receipts or contracts;
• online through your personal account on the website of an organization or bank;
• by calling the hotline;
• on a personal visit;
• in the accounting department of an enterprise (for salary cards).

The algorithm of actions will depend on what information needs to be clarified.

Sberbank card holders

In everyday use of a plastic card, these details are usually not used. The data may be needed if the card is used as a deposit management tool. In this case, the number serves as access to other accounts.

Details may be needed when making transfers between legal entities and individuals.

The service allows you to clarify the necessary information. It is enough to register on the official website of Sberbank Online and go to your personal account. The required combination of numbers is located in the “Card Information” tab, right under the user name.

If in doubt, you can clarify the details by calling the hotline 8 800 555 55 50. To do this, you will need to provide the plastic card number and code combination of numbers.

Branch

If you can’t access the Internet, visit the bank in person. You can get a printout containing the card details at any branch of a financial institution. All you have to do is go there with your passport and present your card to the bank employee. This is the most conservative and energy-consuming method, since you will have to wait in line from other clients.

Terminal

You can also find out payment details through a bank terminal. This is often much faster than contacting a specialist. First, use the ATM as usual, that is, place the card in the slot, then enter the PIN. On the screen, select “My payments”, then the “Details” section.

Where to find out the housing and communal services account number

The numbers indicating the financial and personal code are indicated in payment receipt. If you don’t have the necessary papers at hand, online services will help you clarify the information. The code can be found through the State Services portal. However, this function is currently only available to residents of Moscow.

To obtain information, simply enter the address of the residential premises in the search bar on the portal. Another way to find out the required number is to call the dispatcher of the management company. He will clarify the amount of payment and the details necessary for transferring funds.

When is an individual code generated?

Accounting registers are used not only by financial institutions, but also by various government organizations. Therefore, they are usually divided into standard and banking. The latter are assigned to the client at the time of concluding a service agreement or opening a current account.

Bank details are required for both deposit holders and those who have received a cash loan. The information required to pay the fees is specified in the loan agreement. Standard drugs are used to maintain accounting records in an enterprise. As for the code for the employee, each new employee receives it upon employment at the enterprise, then the document is updated annually.

Briefly summarizing the above, it can be noted that from the user’s point of view, a personal account is one of the details used when making payments to an organization (bank or legal entity).

It is intended for personal use only, not suitable for commercial activities.

The personal account in the housing and communal services payment system is described in the video below.

A personal account implies the opening of a bank account by an individual, organization or individual entrepreneur to carry out various payment transactions.

You will need

• - Russian Federation passport.

Instructions

1. Go to the nearest Sberbank branch. Take with you a document certifying your figure (passport). If you are a citizen of the Russian Federation, then one document will be enough to open a personal account. In turn, foreigners will need to provide a passport and a second document confirming their right to stay in Russia.

2. Contact a Sberbank employee who works in the deposit operations department with a question about opening a bank personal account. At the same time, try to tell the expert in detail about how you want to use your personal account in the future (in what currency you need to open the current account, as well as what types of transactions you are going to carry out with funds using your personal account).

3. Provide the Sberbank expert with the original passport. It will be required to draw up an agreement to open a personal account, which will be created in 2 copies. Please note that your copy of this agreement must necessarily have the Sberbank seal. It is possible that an employee of the account opening department will ask you to leave an example of your signature on a special card. This is necessary for its identification. Tea in this case, all the documents signed by you in Sberbank, in the future they will be required to contain exactly the same signature as in the example.

4. Read the contract carefully. After that, if you do not have any additional questions, sign it. If you have questions, then ask them to a Sberbank employee so that he can explain everything to you. Later, you can put your personal money into your newly opened personal account for safekeeping. To do this, go to the operating cash desk with an agreement on opening a personal account, a passport and the required amount of money. In some Sberbank branches, employees of the deposit department themselves can provide all the necessary documents to the cash desk, and you only need to go to the cash department with the money.

The housing issue is one of the most pressing in our time. Many people find themselves in a situation where they need to divide an apartment in terms of its ownership shares. In this regard, the townspeople have an urgent need for a facial section accounts, but on the contrary, they are obliged to open a personal account for each of them.

Instructions

1. The Office of the Department of Housing Policy and Housing Fund deals with similar issues. The shortest way to find this organization is to inquire with your building management company. They will coordinate you. However, before going to the Office, make an application for the division of the facial accounts. They can also help you with the registration at your department of administration or housing office. In addition, immediately take an extract from the house register from them.

2. After that, go to the BTI. Order a plan of your living space indicating the total number of square meters. When you are done, visit your bank and ask them for a copy of your I.D. accounts or start one if you haven’t had to yet. If you have a passbook, you can skip the procedure of visiting the bank and easily make a photocopy of all completed pages.

3. It's time to contact your employer's HR department for a certificate stating that you have continuous income. This clause is not valid for unemployed citizens. And the facial section accounts will obviously be in danger. No one will want to open a personal account for an unemployed citizen, who will be charged rent and utility bills in the future.

4. Finally, draw up a written consent at home on behalf of everyone who lives with you in the apartment, house, or living space you are dealing with, to establish a new procedure for living in a shared home.

5. When all the papers are in your hands, don’t forget your passport and go apply for the facial section accounts with a package of documents to the Department.

6. Once your request has been processed, you will be notified in writing that new personal accounts have been assigned and you will begin paying utility bills separately. But take into account that in addition to your dream and collected documents, colleagues will be required to impartially evaluate your housing for the likelihood of distribution of personal accounts. The Department has a list of requirements for residential premises. Familiarize yourself with it in advance, even before you start collecting papers.

Video on the topic

A personal account is an account that is opened in a commercial bank by an individual, an individual entrepreneur or an organization for making payments. A business entity can open several personal accounts.

Instructions

1. In order to open an account, an individual needs to contact the bank with a passport and TIN. Some banks do not require the original of the latter; just give the number if you have been assigned one. In addition, to open an account you will need a certain amount of money.

2. Next, you need to explain to the operator for what purpose you need the account. To carry out incoming and outgoing transactions, you will open a current account or a “On demand” deposit. They give you the opportunity to use your account without restrictions, make deposits and withdraw money at any time.

3. After you have selected the account you want, the bank's attorney will prepare an agreement specifying the details of the service. At the same time, read it carefully, check that your personal data is filled out correctly, and only sign it later. It is necessary that the signature on the contract coincides with the signature on the passport. In addition, for all subsequent expense transactions it will be checked against your established example.

4. In order to open a personal bank account for an individual entrepreneur, you must submit the following documents: passport, certificate of registration as an individual entrepreneur and registration for tax control. In addition, you need to write a corresponding application, fill out a card with examples of a signature and seal, have it certified by a notary or a bank attorney, and also provide patents or licenses, if required by the type of activity. The bank verifies the above documents within 1-5 days and opens an account.

5. To open a personal account, a legal entity needs to collect a larger package of documents than an entrepreneur. In addition to certificates of state registration and tax control, the enterprise must submit a copy of the charter, constituent agreement, documents on the appointment of a chief, chief accountant, and copies of their passports. In addition, you should issue a card with examples of signatures and a seal, as well as an extract from the register of legal entities.

In an unstable economy, the foreign exchange check will become one of the guarantors of financial autonomy. In addition, you will be able to make all sorts of purchases in foreign currency, receive money from other companies, and also protect your savings. It is safer for everyone to choose Sberbank to place their savings.

You will need

• - passport;
• – constituent documents (for a legal entity);
• - money.

Instructions

1. Contact your nearest Sberbank branch. You need to have your passport with you. The bank will ask you to write an application to open a foreign exchange check A. Today, the optimal choice for an individual is the “Multifunctional Sberbank of Russia” contribution. To open it, you are required to deposit a minimum amount of 10 rubles or 5 US dollars (or the equivalent in another foreign currency). Now you can use check om, carrying out all kinds of payment transactions. Interest will be charged on the balance of funds as agreed between the parties.

2. In order to make purchases abroad or on foreign websites in foreign currency, you can open a currency card. The most affordable options are Visa Classic or Mastercard Standard. Cost: the first year of service is 750 rubles, the entire subsequent year is 450 rubles. The convenience of currency cards is that you can manage your savings anywhere in the world where these plastic cards are serviced. In addition, you can easily make purchases online on foreign websites.

3. If you represent a legal entity, to open a foreign exchange check and in Sberbank you need to provide the following package of documents: 1. Application for opening check a; 2. Notarized photocopies of constituent documents; 3. Certificate of state registration; 4. Photocopy of a document confirming the inclusion of a legal entity in the Unified State Register of Industrial Organizations. Based on these documents, Sberbank a card will be made with a seal and examples of signatures of the director and chief accountant of the company, and after that a foreign exchange office will be opened check .

4. Foreign exchange check, opens in Sberbank an individual, accompanied by transit currency check ohm Finally, you can use it to purchase payments from other individuals and companies. Please indicate this in the details for transferring money. check .

The procedure for opening an account in Sberbank is quite primitive and is designed in such a way that the bank’s customers have the opportunity to open accounts in Russian rubles and in foreign currencies. In addition, Sberbank opens and services several types of accounts for individuals.

You will need

• Passport

Instructions

1. Before anyone else, you must decide for yourself what type of bank account you want to open. There are three main types of accounts. The current account is intended both for storing funds and for financial settlements. Deposit account – where interest on contributions is accrued. And a card account, the one that is opened for making financial payments using plastic cards.

2. For citizens of the Russian Federation, when contacting Sberbank, it will be enough to have a passport with them. Foreigners should provide a passport, as well as a document confirming the right to stay in Russia.

3. Go to the nearest Sberbank branch at your place of residence. Contact a member of the deposit operations department with questions regarding opening a bank account.

4. Tell the expert in detail about what currency you want to open an account in and what operations you plan to carry out with funds. A bank colleague will recommend the type of account that is suitable for you and explain its advantages, as well as tell you about other types of bank accounts that can be opened in this Sberbank branch.

5. Having decided on the type of bank account, provide the bank employee with the original passport, the one needed to draw up the deposit agreement, the one that will be drawn up in 2 copies. Please ensure that your copy of the agreement always bears the bank’s round seal.

6. It is acceptable that a colleague in the deposit department will ask you to leave an example signature on a special card. In the future, all your signatures on bank documents will be required to follow this example.

7. Later, after the agreement is concluded, you can transfer your money to the bank for safekeeping. Reception of funds is carried out by a colleague in the cash department. To do this, go to the cash register and hand over the contract, passport and cash to the bank employee. In many Sberbank branches, employees of the deposit department themselves provide all these documents to the cash desk, and all you have to do is go to the cash department with the money.

8. After receiving the money and counting it, you will be returned your copy of the contract, completed savings book, passport and cash receipt order. In addition, you will be issued a plastic debit card for your contribution. You will be able to receive the card two weeks after opening an account with Sberbank.

The company's accountants need to monitor all payments to employees in the personal account T-54, the form of which is approved by Resolution of the State Statistics Committee of Russia No. 26 of 04/06/2011. If an enterprise manually fills in such data, then it should be entered into the form for the entire month for the entire employee of the organization. Such documents are stored for 75 years.

You will need

• – payroll statements for the period;
• – employee documents;
• - production calendar;
• – personnel documents;
• – documents of the enterprise;
• - staffing table.

Instructions

1. At the top of the T-54 personal account, indicate the name of your organization in accordance with the charter or other constituent document, or the last name, first name, and patronymic of an individual in accordance with a passport, driver’s license or military ID, if the company’s public fund is a personal entrepreneur. Enter the name of the structural unit where the employee is registered in accordance with this staffing table.

2. Write the serial number of the account, the personnel number of the employee in accordance with his individual card maintained at the enterprise. Indicate the category of personnel to which this expert belongs. Enter your business's taxpayer identification number and employee's pension insurance number. Write the code of the place of residence according to the appropriate classifier. Indicate the employee's marital status (married, single, married, not married). If the expert has children, indicate their number.

3. Enter the date of entry to work of this employee in accordance with the order for his employment. The date of dismissal of the employee should be indicated if this fact occurs. If he is listed as working at your company, leave the field blank.

4. Indicate the fact of hiring an expert by entering the number and date of the order, the name of the position, the amount of wages (salary, bonuses, allowances). If during this period the employee went on vacation, indicate the number of his calendar days, links to the relevant orders. Each employee is subject to personal income tax deductions in the amount of 13% of his earnings. Enter tax amounts. If he is entitled to standard deductions, enter their amount.

5. Determine the total amount of earnings accrued to the employee, calculating it from the actual time worked. If the employee was sick during a given month, indicate the number of days of incapacity for work in accordance with the sick leave. Write the amount that the expert is supposed to pay.

6. The accountant has the right to sign the personal account (indicating his position, surname, initials); he must indicate the real date of filling out the document and attach it to the employee’s personal file.

Video on the topic

Distribution of a personal account is an operation to change the rental agreement for residential premises, according to which the apartment becomes communal and family members turn into neighbors. A similar procedure should be resorted to if the residents of the apartment cannot come to an integral decision on paying utility bills.

Instructions

1. Determine whether you have the right to demand division of your personal account. According to the provisions of the Housing Code, an adult and capable citizen of the Russian Federation, one who is a member of the tenant’s family, and is also registered and lives in a given residential area, can receive a separate account.

2. Find out whether it is allowed to make a section of the facial accounts in your apartment. A separate account can only be opened for a separate room. At the same time, its width must be at least 2 m, it must have one entrance with a width of 70 cm. Also, the distance between the windows of the room and the opposite building must exceed 3 m, and the view from them should not overlook a closed courtyard with dimensions of 5x5 m.

3. Discuss the likelihood of facial division accounts with other persons living in the living area. If they are not opposed, then you need to submit a package of documents to the Office of the Housing Policy Department in your district. Otherwise, disputes are resolved in court.

4. Obtain written consent from all residents of the living space to establish new rules accounts in the apartment. Obtain a certificate from your place of work, which will confirm the presence of independent income. Make a copy of your financial statement accounts .

5. Receive an extract from the house register, as well as a floor plan of the apartment from the BTI, which will indicate the area of ​​the rooms. Write an application for facial section accounts. Submit all these documents together with your passport to the UJMiZhF office. Receive an amended rental agreement and new personal account numbers.

6. Contact the court if no agreement has been reached regarding the division of the facial area accounts. However, remember that in this case an equal share of the apartment will be assigned to the entire family member. Obtain a court decision and provide a copy of it to the housing organization. As a result, separate accounts and the lease agreement was changed.

Video on the topic

In some cases, families may have a dispute over the distribution of utility bills. If it is not possible to reach an amicable solution, then the Housing Code of the Russian Federation provides for the possibility of distribution of the financial and personal account. Before starting this procedure, it is recommended that you familiarize yourself with the basic terms of this section.

You will need

• – a certificate confirming the applicant’s income;
• – extract from home books;
• – apartment plan from the BTI indicating the area of ​​the rooms;
• – a copy of the financial and personal account;
• – applicant’s passport.

Instructions

1. Analyze the data from the financial and facial section accounts apartments. They extend not only to the living space, but also to family members. A separate personal account can be opened only for an adult and capable citizen of the Russian Federation, one who is registered and lives in this apartment and is a family member. Chapter accounts occurs only in isolated rooms that have a width of 2 m and an exclusive entrance. Also, the window should not overlook a courtyard less than 5x5 m in size, and the distance to the opposite building should be more than 3 m.

2. Obtain written consent of all family members for the distribution of financial and personal benefits accounts. Later, you can collect the rest of the package of documents. This includes: a certificate confirming the applicant’s income; extracting books from home; apartment plan from the BTI indicating the area of ​​the rooms; copy of financial statement accounts; applicant's passport. Write an application in the prescribed form, which can be obtained from the office of the Department of Housing Policy and Housing Fund of the Russian Federation in your district.

3. Submit an application and a package of documents to the Department of Housing Policy and Housing of the Russian Federation (administration of the Department of Housing Policy and Housing Fund of the Russian Federation). Please wait for a decision on your request. Sign the newest employment contract and receive separate financial and personal accounts. In practice, obtaining consent to partition accounts It’s quite difficult, so the issue has to be resolved in court.

4. File a claim with the court for division of financial and personal accounts. If family members refuse to make changes to the established order in the apartment, then a claim is filed for forced division. In this case, each family member will receive an equal share accounts. In the opposite case, the defendant in the claim will be the UJPiZhF of the Russian Federation. In this case, you need to submit to the court the same package of documents that was sent to the housing authority. Chapter accounts carried out on the basis of a court decision.

When living, say, in the same apartment, disputes may arise regarding payment of utilities. The solution to the problem in this case would be to open separate personal accounts and make changes to the rental agreement. However, if one of the family members disagrees, the dispute will have to be resolved in court.

You will need

• – current financial and personal account;
• – extract from the house register;
• – a plan from the BTI indicating the area and size of the rooms;
• – a certificate of income of the person for whom the account is opened.

Instructions

1. Find out if you have the right to demand distribution of your personal account. The fact is that for this you need to fulfill a number of conditions that apply both to living space and to family members. A separate account can only be issued to a citizen of the Russian Federation, one who is registered in this apartment, lives in it continuously, is an adult and has a sufficient income to pay utility bills. The apartment must have an isolated room in which the person receiving the separate account will live, with a width of more than 2 m. You can learn more about the requirements in the office of the Department of Housing Policy and Housing Fund.

2. Discuss the distribution of the personal account with the rest of the family members living in this apartment. Obtain written consent from anyone who does not object to this procedure.

3. Collect a package of documents that is required to open a separate account. It consists of a copy of the current financial and personal account, an extract from the house register, a plan from the BTI indicating the area and size of the rooms, as well as a certificate of income of the person for whom the account is opened. Write an application for distribution of a personal account.

4. Submit all documents to the UJMiZhF office in your area. If you are denied a new facial accounts, then you will receive a written justification for this decision. If it is due to the fact that consent on the distribution of the personal account was not obtained from all family members, then the controversial issue is resolved by filing a statement of claim in court. In this case, the defendant can be either a branch of the UJMiZhF or a member of your family. Pay the state fee.

5. Receive a court decision on the distribution of your personal account. Provide a copy of it to the Department of Housing and Housing in your area and receive an amended rental agreement, which will indicate new details for paying utility bills.

The employee’s personal account is used to reflect information on payroll and has a unified form T-54. It is filled out on the basis of data in force at the enterprise: primary documentation for recording the completion of work, hours worked and hours worked. Only an accounting employee can enter data into a personal account.

You will need

• – form in form T-54.

Instructions

1. Mark the name of the enterprise and structural unit at the very top of the T-54 form. Enter your number check a and indicate ra check nal period for the period in which it is filled. After this, you need to note the category of personnel to which the employee belongs. This column needs to be filled out only if the enterprise has such a division according to the staffing table.

2. Please indicate your last name, first name and patronymic employee, for which the front is filled check, and personnel number. Fill in the basic information about the employee: identification code, insurance certificate number, number of children, marital status, place of residence, date of birth and start of work. After dismissal, the corresponding date is immediately entered.

3. Complete the table with basic information about hiring, transfer, termination, and compensation. Indicate the date and number of the order for these actions in columns 1 and 2. Note the structural unit (column 3) where the employee is sent to work, the position held (column 4), and labor data (column 5). Indicate the tariff rate, according to the staffing table, in column 6. This table also indicates the amount of additional payments and allowances.

4. Reflect vacation data employee in columns 9-16, indicating the number and date of the order on it, the period and number of calendar days. In columns 17-21 you should note the amounts of deductions and deposits that are calculated for wages employee. If according to Art. 218 of the Tax Code of the Russian Federation, an employee is entitled to tax deductions, their amount is reflected in column 22.

5. Enter data on the employee’s payroll in columns 23-49. Columns 23-28 contain information about the month for which ra is produced check, and the number of days and hours worked. This is followed by the amount of accruals from the wage fund, as well as received income and payments. These columns also indicate the amount of dividends.

6. At the same time, you should be careful when coding these payments, since an employee can receive tax deductions only on income that is taxed at a rate of 13%. In columns 38-45 the amounts of deductions for the reporting period are calculated. If there is a debt, then it is indicated in columns 47 and 48. After this, calculate the total amount payable and indicate it in column 49.

It is a mistake to believe that bank accounts are necessary only for legal entities and individual entrepreneurs; in fact, personal accounts are no less useful for individuals. After all, they also have a need to transfer funds, as well as receive pensions, subsidies, transfers and benefits. In order to simplify the transfer process as much as possible, you just need to open a personal account in any commercial bank. Opening a personal bank account is a simple and straightforward procedure, however, let’s look at all the nuances in more detail.

What individuals need: documents

To begin with, it should be noted that there is a significant difference between personal current accounts; individuals can only use personal accounts, because they do not bear legal liability in relation to individuals and legal entities. Personal accounts include bank debit and salary cards, savings books and more. That is, any account opened in your name is personal.

Probably, the process of its registration is familiar to everyone; you will not be required to provide any documents other than a civil passport; in some cases, they may require a TIN, but this is completely optional. But if you open a credit account, you will need a number of other documents, but it can no longer be considered personal.

Please note that a personal account can be opened without a plastic card, because in essence, plastic only provides you with the opportunity to use your funds at any time convenient for you. If you open a bank account without a plastic card, you can make transactions using it directly at a bank branch or remotely through your personal account.

How to open a personal bank account

So you can do this:

• contact the branch of the bank of your choice;
• carry out the entire procedure online.

Let's consider both options. If you are not a confident Internet user, then you must go to any bank branch on your own; accordingly, first you need to choose a credit institution, then go to the branch nearest to you with your passport. You fill out a short application, sign the agreement and do not receive a copy of it. Next, an employee of the credit institution will offer you to issue a card, which you can refuse according to me. For example, if you need an account for any transfer, then you just need to ask to print out the details, then go to the operator with an agreement and receive your funds.

Another option is that you can do the same thing online. True, this opportunity is not always available and not to everyone, for example, if you are not a bank client, then you can leave your contact information online so that a bank employee can contact you and answer your questions. If you are already a bank client and use online banking, you can open an account remotely. Why, at any convenient time, go to a bank branch and ask for your copy of the agreement.

Please note that if you want to receive a bank card, then a certain time is allotted for its issue; you can receive the details immediately, but you will need to apply for plastic again.

Price

The nuance is that the procedure for opening personal accounts in different banks may differ slightly, as well as the tariffs. For example, if you open a personal account without a bank card, then most likely no fee will be charged. That is, according to the tariffs, you will only pay for the service of a plastic card. The same applies to receiving cash; if you want to get cash through a bank cash desk, you will have to pay a small commission, and if you withdraw money through the issuing bank’s self-service device, the operation will be free for you.

In fact, bank tariffs are a strictly individual issue. That is, it turns out that the credit institution charges a fee for each operation, deposits and withdrawals of cash, transfers, notifications, and more. Before signing an agreement with a credit institution, be sure to inquire about the fees for certain services; perhaps another organization will be willing to offer you more favorable terms of cooperation.

Today, almost each of us has our own account in some financial institution, or even more than one. How to open a personal account in Sberbank? The answer to this question depends on your status.

For individuals

If you have reached the age of majority, there is nothing stopping you from one of the largest banks in the country. To do this, you just need to visit the nearest Sberbank branch with your passport. Please note that you will resolve all possible issues in the future in this branch, so you should not “start a relationship” with an office that will be inconvenient for you to get to.

Contact a specialist and tell us for what purposes you want to open an account. They will advise you on the best option and conclude a service agreement with you. Of course, the contract should be read before signing, not at home. Once the account is opened, you can start using it - accepting transfers from other persons, depositing cash in the bank's cash desk, and so on.

For minors

You can, but keep in mind that you will not be able to withdraw funds from it. Accounts opened for children become available for expense transactions only after their owners reach the age of majority.

In addition to the agreement, a passbook or plastic card will be attached to your account. Cards are much more convenient to use because they allow you to perform various operations independently and in any locality in the country. But the paper book is tied to the branch where you entered into the contract. Its advantage is that the funds on it are more secure than on a card, which can be used by fraudsters.

For individual entrepreneurs

Not everything is so simple for those who are registered as individual entrepreneurs. Although opening a personal account with Sberbank is not a mandatory requirement for individual entrepreneurs, it is still convenient to have one for making non-cash transactions. So, to open a personal account, you will need a whole list of papers:

• your certificate of registration;
• application for the bank;
• tax registration certificate;
• your passport and its copy;
• a license, if you need it for your type of activity;
• special cards with samples of signatures of authorized persons and seal imprints.

If everything is in order with the papers, then after a few days allotted for verification, your account will be opened.

Legal entity

For not a luxury, but a necessity. Moreover, banks do not provide this service for free: they charge a monthly fee for the service. And you will need to collect a lot of documents.