Obtaining a visa means permission to cross the border of another state. When issuing it, the consulate must be confident in the financial viability of the tourist. That is why one of the required documents is a bank account statement and - in some cases - a certificate of income. In this article we will tell you what an Alfa-Bank account statement for a visa looks like and how to order it.
What is an account statement?
At Alfa-Bank you can obtain different statements depending on the purpose for which they are needed. Typically, submission to the embassy requires either a certificate of current account status, or a document reflecting the movement of funds and account balance for a specific period in accordance with the requirements of the embassy (usually for 3 or 6 months).
The sample statement offered on the website reflects the state of the bank account for 3 months. The statement is made on bank letterhead in English.
In the structure of the extract, four semantic blocks can be distinguished:
- A cap. At the top right are the details of the bank's structural unit, address, position and full name of the official with signature.
Just below are the details of the account owner: address, full name, client ID, as well as the purpose of the certificate indicating the account number, currency and period for which the statement was compiled. - General account information containing information about:
- initial balance;
- total costs;
- total payments;
- final balance.
In addition, the available payment limit and the total amount of debt as of the date the statement is generated are also indicated here.
- Information about all incoming and outgoing transactions performed during the period specified in the certificate. This part is presented in the form of a table, which will reflect all operations and detailed information:
- Date of operation;
- authorization code;
- Card number;
- transaction amount and currency;
- amount in the account currency.
The result of this part will be the total amount of unconfirmed transactions.
- The information presented in the table is important for embassy representatives because it indicates that the account is “live” and not created only for the purpose of obtaining a visa.
At the bottom of the certificate, you must indicate the date of its preparation, sign it with the official responsible for issuing such documents, and put the seal of the institution.
You can order a statement at any Alfa-Bank branch by presenting your passport. It will be ready within one business day or within an hour if it is an urgent order. Usually, if you order a statement from a current account linked to a credit card, you do not have to pay. In other cases, especially if it is an urgent order, you may have to pay in accordance with the bank's tariffs.
Many clients are wondering how to get an Alfa-Bank card statement. What is it for? Using this service, plastic card holders can easily check the status of their card account and view the list of transactions for a selected period of time. A detailed report on the card is the information that will help you control expenses and be aware of all transactions: from withdrawing cash from an ATM to paying for purchases in a supermarket using plastic. You will learn further about ways to obtain such important information for the client.
Types of statements: which is more convenient and faster
If previously clients could only count on a paper report, which they had to order and wait from several days to a week, now more modern and convenient methods have appeared for reviewing information on plastic cards and accounts. The extract happens:
- 1 paper;
- 2 electronic.
The paper format involves issuing a report directly at a bank branch or at an ATM. Electronic – if the client chooses a remote channel for receiving information. This format is much more convenient, since it saves time on trips to a credit institution, and access to it is available around the clock. Don't forget about the cost of the statement. Receiving it electronically is free for Alfa-Bank clients, while a fee may be charged for a paper statement.
You can also highlight a mini-statement, which gives the cardholder an idea of what happened to the account over a relatively short period of time. And the mini-report usually contains data on the last ten transactions. And detailed information on all operations for a longer period is given in the extended statement.
How to get an Alfa-Bank card statement: various ways
You can access this information:
- at any office of a financial institution;
- in Alfa-Click, being a registered user of this online bank;
- at a bank ATM;
- at a call center;
- through the Alfa-Mobile service;
- using the Alfa-Chek notification system.
It is clear that with the help of such remote services as Alfa-Chek and Alfa-Mobile, you can stay up to date with the latest transactions on your plastic account. It is worth activating them at a branch, call center or online banking. For the cost of the service, see the bank's tariffs.
What is the essence of the Alfa-Chek service? Every time funds are debited or your card account is topped up, you will receive an SMS notification. Thus, you can use mini-statements to check the correctness of the operations performed.
The mobile bank also provides data on the movement of funds on the card account. You will have 24/7 access to cards and accounts if you install this application.
How to get an Alfa-Bank card statement in Internet banking
As a user of the Alfa-Click remote service, the client can see the status of his accounts and the movement of funds on them in a matter of seconds. And it's easy to do if you know where to look.
How to find account information in Alfa-Click, procedure:
- log into the online banking system by entering your login and password;
- open the “Accounts” menu item;
- select the card account you are interested in;
- view information about account opening, balance and last 10 transactions.
To get a more detailed statement:
- go to the sub-item called “Account Statement”;
- a window will open where you select the required card account;
- It is also important to indicate the period for which you want to receive a report;
- click "Show".
You will see a detailed report with general data and a list of operations.
How to get an Alfa-Bank card statement from an ATM
You can find out some information about the movement of finances on your card without going to the bank. You can easily get a mini-statement using an ATM. Moreover, this service is available both in printed form and electronically - the client will see the statement on the ATM screen. How to do it:
- insert your card into the ATM;
- enter PIN;
- select the required section;
- If desired, print out a check with a mini-statement card.
In Internet banking you can see the card report for three months. Also, if necessary, the client can always print the received statement.
Every citizen of our country has the right to open a personal current account, through which it will be possible to make non-cash payments. As you know, there are various situations in which specific information about the actions performed may be required. If you need to obtain information about the movement of funds, it is enough to obtain an extract from a banking institution. Next, we will consider the content, types, and methods of obtaining account statements.
Bank account statement - document features
This document has the following characteristics:
- is an exact copy of the bank's records for a specific account;
- contains information about the receipts and expenses of the client’s personal funds;
- You can obtain a statement at a bank branch, as well as by postal or email address.
What does an account statement consist of?
Due to the fact that employees of banking institutions use various technical devices to perform operations, statements can differ significantly from each other. Despite this, the data that is displayed in them is always the same:
- full name of the account holder;
- currency in which the account is issued;
- name of the financial institution, BIC and correspondent account of the bank;
- account number for which the statement is drawn up and funds are transferred;
- list of transactions for receipts and expenditures of funds (indicate the date, amount, name of the supporting document);
- total amount of income, existing expenses;
- the amount of funds at the end of the day in the form of a balance.
For non-cash payments, the statement contains the account number of the sender and recipient of the funds. If the extract is received for accounting purposes, a certificate is attached to the document. On its basis, funds are accrued, as well as other documents that were issued by the banking institution. Crediting to a current account, receiving or issuing funds is carried out by a banking institution on the basis of payment orders and requirements, settlement checks, as well as various announcements about depositing funds into the account.
How can I get a bank statement?
If the information service via Internet banking or SMS messages is not activated, information about the movement of financial funds can be obtained by creating a request for a bank statement. You can obtain the required information in various ways.
The easiest way is to visit a bank branch, presenting your passport and the agreement that was concluded when opening the account. If necessary, the extract can be certified by a signature and a bank seal. You can also submit notifications by postal or email. In this case, the extract is provided free of charge.
If the current account was attached to a bank card, you can get a statement at an information kiosk or ATM. However, in this case, information is provided for the last week; the service is paid. To receive a statement through an ATM you must:
- insert card;
- dial PIN code;
- select “get account statement” from the menu;
- receive a printed receipt.
As for the Internet banking service, it is paid and at the same time very convenient. In this case, you can receive an extract at home or in the office. To do this, just visit your personal account, select the operation of automatically generating an account statement, and determine the period for generating the document. The information provided can be printed.
Features of the extended statement
The extended statement contains more information. With its help you can obtain detailed information for the required period:
- names of companies that perform the functions of counterparties;
- names of goods and services for which payments were made;
- the amount of commissions that were accrued;
- place of operations.
- It is worth remembering that the extract does not necessarily have to contain a stamp or signature.
- If the statement is lost, a duplicate will be provided again for a fee.
- If your current account is linked to a card, you can get a statement for free.
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Now Alfa-Bank clients do not have to go to a branch to receive any certificate or account statement. You can order them without leaving your apartment, simply by calling the bank's hotline (0800502050 - free from a mobile phone in Ukraine).
At any convenient time, even at night, because the contact center works around the clock. It is enough to say the keyword “certificate / statement” and the service will connect you with the operator. The cost of the service is 150 hryvnia, regardless of the type of certificate you order. You can pay for the service over the phone by transferring funds from a card of any bank. The document will be sent by courier to the specified address, anywhere in the country. Delivery time is from one to three business days.
Therefore, embassy certificates, collateral and other non-standard forms are not provided. Such documents are currently only available at Alfa-Bank branches. Please note that the bank is constantly improving its service and expanding the list of documents that can be issued remotely.
“Modern life is so dynamic that every minute is worth its weight in gold. We take care of our clients, understanding their needs to spend their free time on family, business, hobbies or something else. We meet halfway and implement a convenient service for ordering certificates and statements through the bank’s hotline. If previously the client had to spend several days and come to the bank twice to obtain a certificate, now in a few minutes you can order a certificate about the movement of funds in the account, the presence / absence of debt in the bank, etc., and calmly wait for the courier, devoting time to personal matters.”, - speaks Valentina Yarosh, director of the customer service department at Alfa-Bank.
And here is a commentary impression from an Alfa-Bank client who has already used the new service: “I have been with Alfa-Bank for more than five years. I mainly use credit products, so it’s natural that I often take a certificate of debt status. The last time I called the contact center, they told me that I could order a document remotely. I used the service and spent only a few minutes on it. I received the certificate the next day. I’m happy because the new service saves my time.”, - says Kiev resident Alexander.
The following documents are available through the Alfa-Bank Ukraine contact center:
Certificate of loan closure
Cash flow statement
Certificate of absence of debt
Issuance of a copy of the contract
And others (a full list of them can be found in the contact center)
Alfa-Bank Ukraine is a large Ukrainian commercial bank with international capital, which is part of the private investment holding company ABH Holdings SA (ABHH) with its head office in Luxembourg. The holding company has investments in a number of banking groups in the CIS countries and Europe, in particular, ABHH operating companies (banks) are located in Ukraine, Russia, Kazakhstan, Belarus and the Netherlands. The owners of ABHH are Mikhail Fridman 36.47%, German Khan - 23.27% (both are Israeli citizens living in London), Alexey Kuzmichev - 18.12%, Petr Aven -13.76%, Andrey Kosogov - 4.08 % (all three are citizens of the Russian Federation living in Moscow), as well as The Mark Foundation for Cancer Research - 4.03%. According to the NBU classification, it is included in the group “banks of foreign banking groups”.
At Alfa-Bank, statements from current customer accounts are provided upon request for any period of time that interests the bank account holders. The document can reflect the status of a debit or credit current account, regardless of whether it is “linked” to a plastic card or was opened directly at the branch. At Alfa-Bank, current account owners can independently monitor their status by actively using remote account management methods.
Methods for obtaining an extract
At Alfa-Bank, account statements are obtained in various ways:
- Upon request made by the owner in a landline;
- At your own ATM that fulfills the relevant requests;
- By telephone and/or via SMS, using the Alfa-Mobile service;
- In the personal account of Alfa-Click Internet banking.
Video instructions for receiving online account statements in Alfa-Click
Mini statement
Any of the above options will reflect the current state of the account and transactions carried out on it. Account owners should take into account that when using ATMs or SMS services, they will be provided with a mini-statement containing information about recent transactions.
Full statement
To obtain an extended statement, it is better to use Internet banking, where you can not only view transactions over the past months, but also print out the data in a format convenient for them. To issue a document certified by the seal of a financial institution, you must obtain an extract from Alfa-Bank at a stationary branch upon request.
The statement can be viewed on the main page of the Internet bank and in the “Accounts” section Purposes of obtaining an extract
The choice of method for obtaining information about the state of the account depends on its purpose. If you are interested in money movement, balance and other information for yourself personally, then there is no need to contact the branch. Any of the remote control methods (or information received from an ATM) will be suitable for these purposes.
To provide such documents to various organizations and authorities, you will most likely need to obtain an Alfa-Bank statement from a branch, since a self-printed statement will not be officially certified by a financial institution.
Alfa-Bank certificates and statements
An account statement for any specific period of interest to the owner is called a consolidated statement.
What kind of statement can I get?
At Alfa-Bank, an account statement may contain various information. Depending on the purpose of receiving the document, its further use (where and why the owner plans to provide the received document), the financial institution issues a summary statement.
How to get a certificate
You can also get a document from a bank for certain purposes, government organizations, this document is called a certificate. Options for certificates at Alfa-Bank:
- About turnover on the account;
- About opening an account;
- About the presence of an account;
- About the absence of movement (turnover) of funds;
- About the presence/absence of debt in various forms;
- About the cash balance indicating a specific date;
- About the lack of payments for salary;
- About payment of the Criminal Code;
- Confirming the absence of receipts of funds to the account (information about a specific amount and/or from specific payers);
- Confirming the fact that the owner transferred a certain amount from his account in favor of a specific recipient;
- For companies and/or individual entrepreneurs, containing information on the assessment of business reputation;
- Other certificates in the agreed form.
Receipt time
You can receive an account statement or other document of interest to the account owner from Alfa-Bank within one day upon request. Emergency issuance of documents within an hour is also provided. Any of them is certified by the bank’s seal, that is, it will be an official document that can be provided at the place of request.
Visa account status
For example, you are interested in the possibility of obtaining documentation for the embassy. In such cases, a “visa issue” is ordered from Alfa-Bank. Usually it is enough to provide a document about the current account status, but it is best to order a summary statement. It will reflect the movement of finances on the account for a certain period (preferably for six months, unless the requirements of the embassy suggest otherwise).
Online account statement
An Alfa-Bank card statement or any other account can be issued independently by a client who has Alfa-Click Internet banking connected.
Receive statement online
In the special section of the personal account “accounts and statements” there is all the necessary information about the status of the account and the flow of funds on it for the entire period of operation of the account with Alfa-Bank.
Usage
An online statement can be used both for personal control and monitoring of financial movements, and for submission to various organizations, if a document not certified by the bank’s seal meets the customer’s requirements. This option is also possible; in this case, the client only needs to print out the necessary information for the period of interest.
At Alfa-Bank, online account statements are most often used for personal purposes. A client with several accounts or a financially active owner of different bank cards (credit cards and debit cards) can regularly view all accounts at his disposal for any period of time.
This makes it possible not only to control their condition, but also to adjust your actions, for example, to “transfer” finances from debit to credit card in a timely manner, or to clarify the transfer date if for some reason there is a delay.
How to print a statement
If necessary or in case of disputes, you can print out an Alfa-Bank statement and compare it with the issued one.
conclusions
As you can see, Alfa-Bank statements can be obtained in different ways and for different purposes. Using remote methods will help with personal control, and contacting a bank will help, if necessary, to obtain a document officially certified by a financial institution.
