Open an account in a Russian standard bank. Reviews of the Russian standard

A card is linked to the account.

I am Kuzmin A.Yu., owner of current account No. 40817810********2606 at Russian Standard Bank JSC (address: Yaroslav Gasheka St., 5, letter A, room 8N).
A card is linked to the account.

12/15/2017 the card was blocked. When you call the branch of Russian Standard Bank JSC on the street. Yaroslava Hasek, 5, lit. A, room. 8H bank employees were unable to clearly explain the reason for blocking the card.

12/16/17 and 12/17/17 were days off. 12/18/17 From a letter to me by email from Russian Standard Bank JSC, it became clear that the deadline for providing documents for a banking transaction expires on the evening of December 18, 2017. There was no physical opportunity to provide documents within this period.

In response to my written application No. 7803-13996 dated December 20, 2017, to give me my funds transferred as income from my individual entrepreneur in the amount of 74,093.26 kopecks, and to close the account, they responded by letter. With this letter (dated December 21, 2017, No. RS-M0318/75898 Russian Standard Bank JSC), the bank refused to issue funds. In the refusal - reference to 115 - F.Z. on combating money laundering, etc., etc. However, the same Federal Law (115 F.Z.) states that in order to be completely blocked, I, or my individual entrepreneur, must be on the Black List of Rosfinmonitoring. I am not on such a list. If there is suspicion or otherwise, the principle of presumption of innocence applies in our constitution.
Also, according to Art. 65 of the Arbitration Procedure Code of the Russian Federation, the bank is obliged to prove that it had grounds for suspending or refusing to carry out operations on behalf of the client. My transactions are completely legal.
I opened the account on October 20, 2017. During this time, I transferred my own funds to the card, approximately -140 thousand rubles. As of February 20, 2018, Russian Standard Bank illegally withheld 74 thousand rubles. I believe that the bank holds funds for its own commercial interests, hiding behind 115-F.Z.

There was no response to application 7803-13997 dated December 20, 2017 regarding account closure. According to bank employees, the account should be closed in 60 days. Chapter 8.3 F.Z. -115 After 7 days have passed after receiving the client’s written application, the bank issues cash from the client’s bank account or transfers funds by payment order!

Until 02/20/2018 year, the question that bothered me about the fate of my funds remained unresolved - the Bank is illegally withholding my funds. The account is not closed. Closing the account is delayed because after closing the account the bank is obliged to transfer the funds. (Chapter 8. No. 153-I dated May 30, 2014)

This bank violates banking laws and business customs at every stage. My applications for account closure and return (with all explanations and excerpts from the Civil Code of the Russian Federation about their incorrectness) of funds are limited to standard replies.
The bank and its employees are violating the banking law. (Article 845 of the Civil Code of the Russian Federation, Article 848 of the Civil Code of the Russian Federation). My legal demands are answered - this is not within our authority. In the letter, a direct question about the refusal to close the account is answered with excerpts from 115 F.Z. without any logic arising from these articles. They do not pay attention to other articles of the law and the Constitution of the Russian Federation.
One thing is clear - to hold on to funds for as long as possible.

In this situation, I suffered significant inconvenience and mental suffering.

Portal administrator 11.03.2018 9:56

According to the situation - no assessment.

Russian standard 21.02.2018 17:10

Hello, Anton!

Initially, let me assure you that the Bank operates in strict accordance with current legislation.
The cards were blocked to establish the source of origin of funds as part of the Bank’s compliance with the requirements of Federal Law No. 115-FZ. In accordance with the terms and conditions, the Client undertakes not to use the Account to carry out transactions related to business activities. I note that on the basis of paragraph 11 of Article 7 of Federal Law No. 115-FZ, the Bank has the right to refuse to execute the Client’s order to complete a transaction, including the issuance of cash through the Bank’s cash desk.

Unfortunately, you have not provided the full set of documents requested by the Bank; the documents provided cannot serve as a basis for lifting the block.
02/20/2018 Contract *6782 was closed. To receive the balance of funds, you need to contact any Bank office and provide details for transferring funds from your account to another credit institution, do not forget to take your Russian passport with you.

Sincerely,
Alexei
JSC Russian Standard Bank

Russian Standard Bank is the largest in the Russian Federation; it is almost at the very top in issuing and servicing credit cards in the Russian Federation. RSB issues and services them. The bank also provides services such as private deposits, various transfers, various types of savings and savings accounts, as well as payments and the recently launched Internet banking service.

Type of credit or loan

Russian Standard also issues credit cards of international standard, such as Visa, Master Card, American Express. This organization issues various types of express loans to buy a specific product.

There are several types of loans. Below are each type of loan and an explanation:

Consumer loan. Russian Standard Bank provides consumer loans up to 1 million rubles for the purchase of various household goods. The repayment period cannot exceed 48 months. The interest rate for this type of loan will be from 19% per annum. This type of loan can be applied for via the Internet (online), this is possible if you make a purchase in an online store.

Cash loan. It can be obtained in an amount of up to 300 thousand rubles, for a period of no more than 48 months, and the interest rate will be from 36% per annum.

Russian Standard Bank issues credit cards with a certain limit. For each client, such a limit is set individually, it depends on the client’s reputation and level of income. The maximum limit is 750 thousand rubles. The repayment period is up to 5 years, and the interest rate starts from 28%.

For modern people who want to use the services of this bank, you can order a card online from Russian Standard. This is done very simply on the official website of this organization.

Russian Standard has the exclusive right to issue American Express credit cards in Russia. Cards from this bank are very common and popular all over the planet, so their holders receive a lot of useful and profitable benefits. With them, the client can, for example, receive discounts around the world in various hotels, shops, cafes and restaurants.

For modern and advanced people, it is possible to apply and receive a card online from the Russian Standard via the Internet (online). Afterwards, if your application is approved, a bank employee will call you and invite you to the office to complete the procedure for issuing a credit card.

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JSC Russian Standard Bank is one of the largest commercial banks of federal significance in Russia, founded in 1999.

Its main activities are lending to the population and servicing business clients. The bank provides a wide range of services to individuals and legal entities - from acquiring and overdraft to conversion transactions and international payments.

Advantages of settlement and cash services in Russian Standard

Individual entrepreneurs, organizations and persons engaged in private practice (for example, notaries) can open a bank account in Russian and foreign currency. In addition, clients receive a whole range of services that allow them to control the movement of funds in their account as comfortably and productively as possible.

The advantages of cooperation with Russian Standard Bank include:

receiving account details on the day of submitting documents;
assigning a personal manager to the client;
favorable account servicing conditions;
filling out documents for opening a bank account with the help of a bank manager;
provision of a corporate card for the convenience of using the account;
security of payments made thanks to the one-time password generator eToken PASS;
use of a new generation Internet bank – Correqts corporate;
Possibility of submitting an application online.

Business clients can additionally order other services, for example, connect acquiring or overdraft, open a deposit, increase sales by lending to customers, etc.

Tariffs for cash and service services in Russian Standard

The conditions for servicing a current account are the same for legal entities and private entrepreneurs. The client can open several accounts in different currencies. Below are the tariffs for some services provided by the bank.

Name of banking service	Cost of services provided by the bank
Registration of the first account in rubles or foreign currency	2,000 rubles
Opening subsequent accounts	1,700 rubles
Monthly account maintenance when using the remote banking system	800 rubles
Monthly maintenance of account when using paper media	5,000 rubles
Account maintenance in the absence of turnover	no charge
Transfer of funds to budgetary and government structures	for free
Transferring money to a third-party bank when using a paper order	150 rubles for each operation
Transferring money to another bank using the RBS system	30 rubles for each operation
Making a checkbook
Cash withdrawal from account	from 0.5 to 10% of the transaction amount
Depositing and transferring money to the account	from 0.15 to 0.25% of the transaction amount
Preparation of payment documents	100 rubles for each form
Accrual of interest on the account balance	at the rate provided by the bank for demand deposits
Closing account	no charge

How to open a current account in Russian Standard for individual entrepreneurs and enterprises?

You can apply for a bank account in two ways - by filling out an electronic request form on the bank’s website or by contacting the nearest branch directly with some documents.

The easiest way is to submit an online application for a current account in Russian Standard, following the instructions below:

go to the “Cash and settlement services” section on the bank’s official website;
click “Complete” at the top of the page or fill out the form fields at the very bottom in the “Order a consultation” column;
go to cart;
read the terms of service and click “Apply” again;
fill out the fields of the electronic application form, indicating information about the individual entrepreneur or organization, full name of the contact person and methods of feedback;
wait for the response from your personal manager;
visit the bank office to submit to the specialist the documents necessary for the successful opening of a bank account;
sign an agreement with a bank representative.

Documentation for opening a current account in Russian Standard for LLC

To successfully register an account with a bank, organizations and companies will need to provide a voluminous set of documentation, which includes:

extract from the Unified State Register of Legal Entities;
certificate of registration with the Federal Tax Service;
Articles of association;
memorandum of association;
protocol on the creation of an LLC;
licenses and patents (if any);
a card with sample signatures of all persons with access to the account;
a letter with the address of the actual location of the organization’s office;
certificate from Rosstat of the Russian Federation;
a document confirming the election of a leader;
passports of all officials of the organization with access to the account.

The complete list depends on the tax status of the legal entity and the characteristics of its activities. The list of documents for opening a bank account must be clarified with a bank employee directly in the office or by calling 8-800-200-6-203.

Documents for opening a current account in Russian Standard for individual entrepreneurs

Persons registered with the Federal Tax Service as individual entrepreneurs undertake to provide the bank office with a minimum set of documentation:

certificate of registration and registration with the Federal Tax Service;
extract from the Unified State Register of Individual Entrepreneurs;
passport;
card with sample signatures of officials;
certificate from Rosstat of the Russian Federation;
patents and licenses (if available).

The complete list can be obtained from an employee at a bank office or through a call center.

Reviews of RKO in Russian Standard

Veronica, Tula

When my friend and I opened our own business and registered an LLC, we decided to open a current account with Russian Standard. Everything is simple there with tariffs, prices for services are adequate, and any questions are quickly resolved by a personal manager. But there were some minor problems with the documents - a rather impressive set was needed.

Nikita, Penza

I have been a client of Russian Standard Bank for more than a year. I have my own small business, and the conditions for settlement and cash services here suit me as much as possible. When I opened a current account, I managed to avoid paperwork. A minimum of documents is required from the individual entrepreneur, and the manager helped with filling out the official forms right in the office. The service is excellent and the prices for services are affordable. A good bank for individual entrepreneurs!

Gleb, Kazan

I’ll start right away with the advantages of Russian Standard Bank. Prompt account opening, excellent prices for its maintenance, high-quality round-the-clock support, convenient and modern Internet banking. I can also separately mention merchant acquiring - the terminals are inexpensive, and installation took 2-3 days. Of course, you can’t do without minuses either. I had to tinker with the documentation to open an account, but, as I understand it, this is the case at any bank.

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