These instructions will help you understand how to open an account for a legal entity on your own in VTB 24. The Russian legislation says that opening a current account for an LLC is not an obligation, it is a right. But in the absence of such an account with the Central Bank, a limit on cash settlement is established. And then the amount will not be able to exceed one hundred thousand rubles for one contract of legal entities. And this will be completely unprofitable for the LLC itself due to the availability of contracts for large amounts of settlement. Most often, the profitable amounts of LLC are much higher, and therefore it is worth looking at the step-by-step instructions on self-opening a current account for legal entities, which is presented below.
Step-by-step instructions for opening an account in VTB 24 for a legal entity
It is necessary to determine the circle of credit banks that are able to open a current account for legal entities. The best option would be to entrust this to a reliable, large bank, which will be able to help in financial matters. There are a lot of institutions of this kind, but in reality, only units can be counted on for help. "VTB 24" just refers to banks that can offer options for large or small businesses. Its products consist of: RKO, factoring, lending, deposits and other things.
Tariffs for opening an account
If a legal entity has identified several banks with which he would like to cooperate, then he should analyze, before opening an account for a legal entity with VTB 24, the rates for servicing settlement accounts. In this case, you should request information and make the most beneficial calculations for the legal entity. However, one should also not forget about the pitfalls in the form of tacit wrapping of banks. When comparing the tariffs of CSCs, you need to make a financial analysis to determine the cost estimate for opening an account of a legal entity. It should be evaluated:
- The price of opening a current account.
- The cost of maintaining a current account.
- Mandatory Internet banking.
- The cost of online banking.
- The value of payment orders.
- The cost of the tariff for issuing and receiving cash.
- Other documentation related costs.
Step-by-step instructions for opening a current account for LLC
When choosing the terms and conditions of various banks, you should look at the point of departure for the payment of orders on the day the payment is made or any other.
Then you need to write an appeal to the selected institution in order to issue a list of documents that the bank needs to open a current account for a limited liability company.
Important points
The bank specialist should clarify how to certify the necessary documents. Opening an account for a legal entity with VTB 24 is quite simple. After this is done, you must immediately inform the tax administration of the registration area of the LLC. The notice itself is produced by the bank, and the owner of the LLC should only transfer it to the tax service. In case of delay in opening the account or closing it, a fine of 5,000 rubles is imposed, so you should be careful and avoid fines. Below is a list of documents, as well as the main requirements for their certification, in order to open an account for a legal entity with VTB 24, one of the top 10 banks in Russia.
Application for opening an account
In order to open an account with VTB 24 for a legal entity, the application must be written first.
The application for opening a current account must be signed by the general director or chief accountant, so that accounting is carried out in writing. If job lists are not available from the chief accountant, then the application is signed only by the general director of the LLC. Including the necessary seal of the company, which open a checking account. You will also need a power of attorney to open a bank account in the original together with a copy certified by a notary, as well as a passport or other identification document of the person who represents the interests of the company if the current account is not opened by the general director. All legal entities should be provided with the charter of the organization, with the exception of limited partnerships and full partnerships or a notarized copy.
Documents confirming the opening of an account in VTB 24 for a legal entity
- For legal entities that were registered before 1.07.2002 - a certificate of making an entry about a legal entity in the Unified State. Register of legal entities in the form of R.57001.
- Legal entities that were registered after 1.07.2002 - certificate of state. registration of legal entities of form Р.51001.
- For legal entities that were created through reorganization (spin-offs, transformations, divisions, mergers) and registered after 1.07.2002, - certificate of making an entry about the legal entity in the Unified State. register of legal entities that are registered before 1.07.2002 in the form of R.50003. Certificate confirming registration with the tax service of the organization. The original document must be presented to the bank.
- 1-2 certified notarized cards with samples of prints and signatures.
- Confirmation that there has been accession to the settlement and cash services agreement, which is signed by the head and sealed with the organization’s seal.
- Decisions adopted by the governing bodies of the legal entity on the personal composition and structure of the governing bodies of the legal entity.
- Informational letter about registration with the Statstregister of Rosstat.
- Extract of the Unified State. registry of legal entities.
- A copy of the document that certifies the identity of the head of the company or persons (a) authorized with the right of second or first signature, including persons (persons) authorized to manage finances that are on the account, using the analogue of a handwritten signature, passwords, codes and other means, which is notarized or certified by a bank employee after the presentation of the original documents to the bank.
- A copy of a document proving the identity of a non-resident for which a foreign language was used must be notarized and a translation into Russian must be attached.
From this article we learned how to open an account for an LLC in a bank. This information will help those who have decided to urgently open an account for a legal entity with VTB 24.