Cash payments Ltd. is not prohibited by law.But for normal operation, you must have a bank account. If the procedure of registration of a legal entity is carried out by a specialized institution, then it will draw up documents. Otherwise, the entrepreneur will have to independently delve into all the nuances of this procedure. So, how to open a bank account for an LLC?
Nuances
LLC and IP may be on the same systemtaxation, but because of the different forms of ownership, the former can conduct business without opening a bank account, and secondly, the state obliges them to do so. Another issue is that in the eyes of counterparties, legal entities that do not use the services of credit institutions do not look quite solid. If at first, when the number of operations per month does not exceed a dozen, you can limit cash payments, then with an increase in the volume of activities without banking services is necessary. PIs can withdraw and deposit funds at their own discretion. An LLC must provide a justification (contract, invoice, credit order, etc.). In the case of activities in another city, legal entities are required to open a branch and a separate account for it.
List of documents
Each bank has its own requirements for the papers.But there is a common list of documents for all organizations. Large banks usually do not require notarization of papers. It is enough for them to present the originals, and then the employee himself will make a photocopy and will assure her.
Documents for opening a settlement account LLC:
- Charter
- Certificate of incorporation.
- Certificate of registration in the tax.
- Certificate of TIN assignment.
- Rosstat's letter on assigned statistics codes.
- Appendix about the creation of units.
- Certificates of registration in the IFSN.
- The decision of the founders on the appointment of the director.
- Documents confirming the location.
- A card with a sample of signatures and stamp print LLC.
For non-residents, the list is more voluminous. The following papers should be legalized by the Russian Embassy abroad:
- Documents confirming the state registration of a legal entity.
- A copy of the permission of the Central Bank of the country in which the company is located.
- The certificate of registration in the tax.
- Copies of licenses that allow business activities within the Russian Federation.
- Other documents at the request of the bank.
The legislation provides for the procedure for issuing invoices for non-resident legal entities, their branches, representative offices, international organizations, charitable foundations and other institutions.
After collecting these documents, you can proceed to the selection of a credit institution.
How to choose a bank
Opening a current account for LLC is seriousprocedure. Therefore, the choice of the agent bank should be considered deliberately. The location of the financial institution is no longer an important criterion. To keep abreast, it is enough to connect Internet banking. This service is provided by almost every institution. When choosing to pay attention to a set of basic services and rates. You should also pay attention to the list of additional benefits: the ability to issue overdraft, credit line, salary project. In order to attract more customers, the site may not provide complete information, but only the lowest rates. Therefore, you first need to select a couple of institutions with optimal conditions, and then visit the offices of each of them and clarify all the nuances of service.
Instructions for opening a bank account for individual entrepreneurs and LLC
- Register a legal entity.
- Analyze the terms of service in different institutions and choose the best.
- Write an application to open a bank account for a PA.
- Provide a full package of documents to the employee.
- Wait for a positive decision.
- Sign a contract with the bank to maintain a current account, cash management and other services.
The law provides that an account must beopen 24 hours after the day of application and signing of papers. During this time, the bank checks the documents, certifies the identity of the client, signs the contract, makes an entry in the Registration Book. From this moment the account is considered open. In fact, the process in real time takes 30-60 minutes, but on condition that a complete package of properly executed documents is submitted. Here is how the opening of the current account for the LLC.
Notifications
Previously, the law obliged entrepreneurs to notifyon opening an account of the Inspection of Federal Tax Service, PF, FSS and MHIF within 7 calendar days after receiving the documents. For failure to meet the deadlines, LLC could receive a fine of 5 thousand rubles. After amending the Federal Law since May 2015, this obligation has been abolished. Thus, the registration of an LLC and the opening of a current account takes up no more than 10 calendar days.
Contract
This document has a typical form, the same forAll banks rarely include additional items. Most often, an organization offers customers several service packages that include these types of services:
- RKO.
- Cash transactions.
- Acquiring - servicing card accounts.
- Overdraft
Internet banking
Simultaneously with the filing of documents for registrationcontracts for servicing a current account, you can connect a remote control service, which allows you to significantly save time, track traffic, transfer funds to government agencies and cards. To activate the service you need to write an application, download the application and keys. In some banks, this service is already included in the main service package. And its cost will depend on the number of available basic operations.
Rates
Commission for paperwork varies from500 to 3 thousand rubles. Money is deposited into the current account, and from there it is debited on the basis of an order. Although some banks provide this service for free, but in the future this discount will affect the cost of service. The number of accounts for an LLC in national and foreign currency is not limited by law. The only exception is IFS. But if the legal entity has blocked operations by the decision of the organization, then opening a settlement account for the LLC will become available only after the release of the arrest.
It is better to immediately purchase the full package of services than to connect each separately. This can be seen even on the tariffs of Sberbank:
- opening an account - 5 thousand rubles;
- maintenance of CSC— 500 rubles / month;
- Internet banking fee - 810 rubles;
- cash intake - 0.3% of the amount;
- cashing - 1%.
Package service, which includes the services listed above, but in limited quantities, will be cheaper:
- Up to 10 operations per month - 2.2 thousand rubles;
- Up to 20 transactions - 2.5 thousand rubles;
- Up to 30 - 3.1 thousand rubles.
Opening a current account for LLC in "Alfa-Bank"will cost the client in 1890 rubles., plus service 110 rubles., remote control 800 rubles. and transfer fee - 28 rubles. Within the “Starting” package, Probusinessbank offers even lower tariffs: 500 rubles. for account maintenance and 25 for payment. At the same time, Sberbank provides a loan at 17% per annum for business promotion, and Alfa - 20%. So the initial savings can then cost a pretty penny. Therefore, in each particular case, it is necessary to analyze well the proposed conditions and tariffs, assessing not only your current position, but also plans for the future. From this point of view, the opportunity to issue an overdraft or credit line on favorable terms can be considered a great advantage.
