At first, every entrepreneur has to study a lot of information in order to choose where it is best to open an account for a legal entity. Promsvyazbank offers several options for implementing this service for both LLCs and individual entrepreneurs. Let's consider the programs of this bank for representatives of small businesses (IE) in more detail.
Promsvyazbank offers
At the time of writing this article (April 2018), Promsvyazbank offers several service options for legal entities. There are separate programs:
- for companies in the small business segment (annual turnover does not exceed 306 million rubles);
- for medium business organizations.
When drawing up an agreement with an LLC, the basic terms of cooperation are used. Plus, the head of the company can always negotiate with the bank the provision of additional services or discounts on services. As for individual entrepreneurs, there are six standard programs for them, designed taking into account all possible situations. All that remains is to choose the most suitable one. But alas, it is unlikely that individual entrepreneurs and small businesses will be able to persuade the bank to make even minor adjustments to the terms of standard offers.
Important! The cost of services for legal entities greatly depends on the region in which the bank office is located, and the organization itself. Therefore, in this text we will not indicate specific numbers - check them with the bank manager in your city.
RKO programs for individual entrepreneurs
As of April 2018, Promsvyazbank operates six different settlement and cash service programs for representatives of the small business segment. A convenient filter has been created on the bank’s website, allowing individual entrepreneurs to choose the option that suits them according to the following criteria:
- age of the company;
- volume of annual turnover;
- planned account replenishment amounts;
- account currency;
- number of payments during the month.
In addition, within the framework of this tariff, the entrepreneur has the right to issue a business card for account management. You can choose the payment system of the card at your discretion - the bank works with both standard international payment systems Visa and MasterCard, and with the relatively new domestic MIR system. Regardless of your choice, issuing a business card and the first year of its service will be free of charge.
Tariff "Business Light"
This tariff plan is designed for entrepreneurs with an annual turnover of 61 to 200 million rubles who actively use Internet banking. Account maintenance within the tariff will be paid. For Moscow, the cost of this service will be 1050 rubles per month. For provincial entrepreneurs, maintaining a bank account will cost less – from 800 to 1000 rubles/month, depending on the region. Also, a commission will be imposed on account replenishment (as a percentage of the deposited amount) and execution of payment orders (fixed rate, depending on the region).
The package provides free of charge:
- access to Internet banking;
- intrabank transfers and payments made through the online account;
- plastic card with a business tariff.
Important! If necessary, an entrepreneur can switch from the Business Light tariff to another package of services without charging a commission from the bank.
Tariff “Business 24x7”
As the turnover of companies in the small business segment increases, the number of payments also increases. And here, for normal operation, you need to open a suitable current account for an individual entrepreneur. Promsvyazbank has developed the “Business 24x7” tariff for such situations. It is suitable for entrepreneurs whose annual turnover is more than 200,000,000 rubles.
As part of this tariff, the client has the opportunity to make free intrabank payments through the Internet banking system around the clock, seven days a week. For payments to other banks made via the Internet, the commission is calculated at the minimum rate. In addition, if the amount of an external payment does not exceed 500,000 rubles, it is subject to an extended business day. Such payment orders will be processed by the system not until 21-00, but until midnight of the current day.
Important! As part of the tariff, the client can issue a free business card of the MIR, MasterCard or Visa payment systems, and use it to pay for goods and services without additional fees.
Tariff "Business Check"
This program is designed for individual entrepreneurs engaged in trade. Its main features:
- reduced tariff for replenishing a bank account with cash (regardless of the amount per month);
- provision of 30 free external payments through the Internet banking system;
- low cost of processing urgent payment orders.
Important! The cost of topping up your account with cash is from 0.1% per transaction.
Tariff "My business"
This program has all the advantages of the Business 24/7 tariff plan. But in addition to them, it includes not only Internet banking services, but also Internet accounting. The tariff price includes options such as:
- carrying out settlements with suppliers and consumers;
- maintaining personnel records;
- accounting;
- tax accounting.
Plus, by connecting to this program, an entrepreneur receives a free opening of a current account and no limits on intra-bank and external payments (provided that they were processed through the PSB Internet banking system).
Tariff "Business without borders"
As part of this offer, it is possible to open a current account for individual entrepreneurs at Promsvyazbank in a currency other than the currency of the Russian Federation. This program also supports ruble accounts, but opening them will be paid. Whereas opening an account in foreign currency will cost an entrepreneur 0 rubles.
The program includes the benefits of other bank tariff plans:
- providing access to the Internet account;
- registration of a business card;
- free payments for purchases and services with a business card;
- accelerated processing of intrabank payments.
In addition to this, the entrepreneur receives the opportunity for free consultation with a specialist in foreign currencies and access to the Currency Control service. In addition, this current account makes it possible to carry out purchase and sale transactions in dollars and euros at a favorable rate.
What is needed to open an account with PSB
As mentioned above, an individual entrepreneur can submit a preliminary application for opening a current account from the Promsvyazbank website. In addition, you can contact any office of this financial organization that works with legal entities and small businesses.
The address of a suitable branch can also be found through the website:
In addition, you can always clarify the location of the office and make an appointment by calling the PSB hotline for legal entities: 8-800-333-25-50.
Important! Regardless of whether you open an account at a bank branch or use the services of a field manager, you will need to prepare a certain set of papers.
Necessary documents for establishing a bank account
Despite the fact that Promsvyazbank sets different service costs for different regions, the list of documents required to conclude an agreement is the same for all small entrepreneurs. Conventionally, it can be divided into two parts - papers that need to be prepared before the meeting with the manager, and documents that can be drawn up directly with the PSB employee.
- a copy of the identity card of an individual entrepreneur;
- copies of identity cards of other persons who will be given the right to sign (analogue or electronic);
- financial statements or tax returns;
1. Identification documents of individual entrepreneurs, other persons included in the card with specimen signatures and seal impressions (KOPOP), as well as persons authorized to use an electronic signature (ES).
- - notarized copy
2. Information about business reputation ():
One document of the client's choice
2.1. Reviews (in any written form, if possible) about the Client from other Bank Clients who have business relations with him
Can be provided in the form:
- a notarized copy of the original, for subsequent copying by the Bank of the original
2.2. Feedback (in any written form, if possible) from other credit institutions where the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation
Can be provided in the form:
- notarized copy
2.3. Feedback (in free written form, if it is possible to receive them) from the Client’s main/planned counterparties who have/plan to establish business relations with him, on the assessment of the Client’s business reputation
Can be provided in the form:
- notarized copy
- the original, for its subsequent copying by the Bank of a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and establishment of compliance with the copy of the original
3. Documents confirming the authority of individual entrepreneur representatives to open bank accounts and manage them:
One document of the client's choice
3.1. powers of attorney (agreements) granting the right to open bank accounts and dispose of them to persons specified in the COPOP, granting the right to use an electronic signature, an analogue of a handwritten signature;
Can be provided in the form:
- Powers of attorney are submitted to the Bank exclusively in the original or in the form of a notarized copy. The Bank does not make or certify copies of original powers of attorney, and does not accept copies of powers of attorney certified by the Client.
3.2. documents limiting the powers of representatives of individual entrepreneurs (if any);
Can be provided in the form:
- notarized copy of the original
Hide
4. Unified State Register of Individual Entrepreneurs, if less than 30 days have passed since the date of state registration of the individual entrepreneur and there is no information about the individual entrepreneur in the Unified State Register of Individual Entrepreneurs
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
- 5.
- 6. Client Questionnaire - Individual Entrepreneur
- 7. Tax resident questionnaire - individual entrepreneur/individual entrepreneur 1
- 8. KOPOP 2
1. Registration document
One document of the client's choice
1.1. Order of the Ministry of Justice of the Russian Federation on the appointment of a notary (for notaries);
Can be provided in the form:- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
1.2. a document confirming the membership of the Arbitration Manager in the self-regulatory organization of arbitration managers (for arbitration managers)
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
1.3. lawyer certificate issued by a territorial body of the Ministry of Justice of the Russian Federation (for lawyers)
Can be provided in the form:- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
1.4. a certificate from the Chamber of Lawyers confirming the lawyer’s membership in the Chamber of Lawyers and the establishment of a lawyer’s office by the lawyer, indicating the registration number from the regional register of lawyers (for lawyers)
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
2. Certificate of registration with the tax authority as a taxpayer
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
3. Identification documents of the Client, other persons who are not private individuals authorized to open an account, included in the Card with sample signatures and seal impressions, as well as persons authorized to use an electronic signature, an analogue of a handwritten signature
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
One document of the client's choice
4.1. reviews (in any written form, if it is possible to receive them) about the Client from other Bank Clients who have business relations with him;
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
4.2. reviews (in any written form, if possible) from other credit institutions where the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
4.3. reviews (in any written form, if possible) of the Client’s main/planned counterparties who have/plan to establish business relations with him on the assessment of the Client’s business reputation
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
5. Documents confirming the powers of representatives of the PPCP (if available)
One document of the client's choice
5.1. Powers of attorney (agreements) granting the right to open bank accounts and dispose of them to persons specified in the COPOP, granting the right to use an electronic signature, an analogue of a handwritten signature
- notarized copy
- original
5.2. Documents limiting the powers of representatives of PPCPs (if any)
Can be provided in the form:
- notarized copy
- original
These documents are provided only in originals.
Generate them automatically using .
- 6. Application for provision of comprehensive banking services
- 7. Client Questionnaire – LZPP
- 8. Tax resident questionnaire – individual entrepreneur/individual entrepreneur 1 If the Client is a tax resident.
- 9. KOPOP 2 Notarized or certified by the Bank. When issuing a card according to the Bank's form, an application for a combination of signatures is not provided.
1. Charter
Provided in case
- notarized copy
- a copy certified by the body (organization) that issued (registered) the relevant document (for example, a copy of the certificate of registration with the tax authority as a taxpayer can be certified by the tax authority)
Provided in case of:
- If there are changes and additions, these changes and additions or a new edition of the charter are provided. If there is a new current version of the charter and previously valid versions of the charter, only the new version of the charter is provided (except for cases where the previously valid versions of the charter are required by the Bank to establish information about the client (for example, if the sole executive body (SEB) was elected before approval current version of the charter)).
- notarized copy
- original for subsequent copying by the Bank
2. Documents confirming the authority of the sole executive officer and other representatives of the legal entity to open bank accounts and manage them:
List of documents
2.1. Protocol (decision) of the authorized body on the appointment of an individual sole executive
- - a public joint-stock company - the person maintaining the register of shareholders of such a company and performing the functions of the counting commission (registrar);
- - non-public joint stock company - by a notary (in the form of a certificate) or a registrar;
- - limited liability company - by a notary (in the form of a certificate), unless another method is provided for by the charter of such a company or by a decision of the general meeting of the company's participants, adopted unanimously by the company's participants (must also be submitted to the Bank).
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
2.2. Orders (powers of attorney) granting the right to open bank accounts and dispose of them to other persons specified in the COPOP, granting the right to use an electronic signature, an analogue of a handwritten signature
- notarized copy
- original for subsequent copying by the Bank
2.3. Orders confirming that the persons specified in the KOPOP are employees (employees) of the organization
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
2.4. Documents limiting the powers of the individual sole executive officer, as well as other representatives of the legal entity, except for its individual sole executive officer (if any)
Can be provided as- notarized copy
- original for subsequent copying by the Bank
3. Identity documents of the manager, persons specified in the KOPOP, other representatives of the legal entity (including persons authorized to use an electronic signature (ES), an analogue of a handwritten signature)
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
4. Information about business reputation
One document of the client's choice
4.1. Reviews (in any written form, if it is possible to receive them) about the Client from other Bank Clients who have business relations with him;
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
- original
4.2. Reviews (in any written form, if possible) from other credit institutions where the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
- original
4.3. Feedback (in free written form, if possible) from the Client’s main/planned counterparties who have/plan to establish business relations with him on the assessment of the Client’s business reputation
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
- original
5. Licenses (if required)
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
6. Unified State Register of Legal Entities, if less than 30 days have passed since the date of state registration of the legal entity and there is no information about the legal entity in the Unified State Register of Legal Entities
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
7. Extracts from the register of shareholders (in cases where required by the Bank for the adoption of decisions (minutes) adopted by general meetings of shareholders of Clients who are joint-stock companies)
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
1. Charter
More details
1.1. Charter If there are changes and additions, these changes and additions or a new version of the charter are provided. If there is a new current version of the charter and previously valid versions of the charter, only the new version of the charter is provided (except for cases where the previously valid versions of the charter are required by the Bank to establish information about the client (for example, if the sole executive body (SEB) was elected before approval current version of the charter))
Provided in case
- If there are changes and additions, these changes and additions or a new edition of the charter are provided. If there is a new current version of the charter and previously valid versions of the charter, only the new version of the charter is provided (except for cases where the previously valid versions of the charter are required by the Bank to establish information about the client (for example, if the sole executive body (SEB) was elected before approval current version of the charter)).
- notarized copy
- a copy certified by the body (organization) that issued (registered) the relevant document (for example, a copy of the certificate of registration with the tax authority as a taxpayer can be certified by the tax authority)
1.2. Articles of Association (if any)
Provided in case of:
- If there are changes and additions, these changes and additions or a new edition of the charter are provided. If there is a new current version of the charter and previously valid versions of the charter, only the new version of the charter is provided (except for cases where the previously valid versions of the charter are required by the Bank to establish information about the client (for example, if the sole executive body (SEB) was elected before approval current version of the charter)).
- original for subsequent copying by the Bank
- notarized copy
1.3. Protocol (decision) of the authorized body on the appointment of an individual sole executive
In accordance with Art. 67.1 of the Civil Code of the Russian Federation Minutes (decisions) of the general meeting of participants (shareholders) / decisions of the sole participant (shareholder) of a joint-stock company (public, non-public), limited liability company, adopted by them after September 1, 2014, must be confirmed in relation to:
public joint stock company - the person maintaining the register of shareholders of such a company and performing the functions of the counting commission (registrar); non-public joint stock company - a notary (in the form of a certificate) or a registrar; limited liability company - by a notary (in the form of a certificate), unless another method is provided for by the charter of such a company or by a decision of the general meeting of the company's participants, adopted unanimously by the company's participants (must also be submitted to the Bank).
In accordance with Art. 67.1 Civil Code of the Russian Federation
- Minutes (decisions) of the general meeting of participants (shareholders) / decisions of the sole participant (shareholder) of a joint-stock company (public, non-public), limited liability company, adopted by them after September 1, 2014, must be confirmed in relation to:
- notarized copy
- original for subsequent copying by the Bank
2. Regulations on the branch/representative office
Can be represented as
- notarized copy
- original for subsequent copying by the Bank
3. Power of attorney for the head of the branch/representative office, providing the right to open bank accounts and manage them
Can be provided in the form:
- notarized copy
- original
4. Documents confirming the authority of the sole executive officer and other representatives of the legal entity to open bank accounts and manage them:
List of documents
4.1. Protocol (decision) of the authorized body on the appointment of an individual sole executive
In accordance with Art. 67.1 Civil Code of the Russian Federation
- Minutes (decisions) of the general meeting of participants (shareholders) / decisions of the sole participant (shareholder) of a joint-stock company (public, non-public), limited liability company, adopted by them after September 1, 2014, must be confirmed in relation to:
- a public joint-stock company - the person maintaining the register of shareholders of such a company and performing the functions of the counting commission (registrar); - non-public joint stock company - by a notary (in the form of a certificate) or a registrar; - limited liability company - by a notary (in the form of a certificate), unless another method is provided for by the charter of such a company or by a decision of the general meeting of the company's participants, adopted unanimously by the company's participants (must also be submitted to the Bank).
- notarized copy
- original for subsequent copying by the Bank
4.2. Orders (powers of attorney) granting the right to open bank accounts and dispose of them to other persons specified in the COPOP, granting the right to use an electronic signature, an analogue of a handwritten signature
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
4.3. Orders confirming that the persons specified in the KOPOP are employees (employees) of the organization
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
4.4. Documents limiting the powers of the individual sole executive officer, as well as other representatives of the legal entity, except for its individual sole executive officer (if any)
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
5. Identification documents of the head of the branch/representative office, persons specified in the KOPOP, and other representatives of the legal entity (including persons authorized to use an electronic signature, an analogue of a handwritten signature)
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
6. Information about business reputation
One document of the client's choice
6.1 Reviews (in any written form, if possible) about the Client from other Bank Clients who have business relations with him;
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- original
6.2 Reviews (in any written form, if possible) from other credit institutions where the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- original
6.3 Feedback (in free written form, if possible) from the Client’s main/planned counterparties who have/plan to establish business relations with him on the assessment of the Client’s business reputation
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- original
7. Licenses (if required)
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
8. Unified State Register of Legal Entities, if less than 30 days have passed since the date of state registration of the legal entity and there is no information about the legal entity in the Unified State Register of Legal Entities
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
These documents are provided only in originals.
Generate them automatically using .
- 9. Application for provision of comprehensive banking services
- 10. Client Questionnaire - Legal Entity
- 11. KOPOP 2 Notarized or certified by the Bank. When issuing a card according to the Bank's form, an application for a combination of signatures is not provided.
- 12. Tax resident form – legal entity
1. Documents confirming the legal status of a non-resident legal entity
Can be provided in the form:
Hide2. Document confirming the election of the sole executive body (SEB)
Can be provided in the form:
- notarized copy of duly legalized documents
3. Power of attorney issued by a non-resident legal entity to an authorized person authorized to enter into bank account agreements and manage the bank account
Can be provided in the form:
- notarized copy of duly legalized documents
4. Certificate of registration with the tax authority (assignment of a TIN) or certificate of registration with the tax authority (assignment of the KIO)
Can be provided in the form:
- notarized copy of duly legalized documents
5. Documents confirming the authority of the persons indicated in the card with sample signatures and seal imprint (KOPOP) to carry out transactions on a bank account, granting the right to use an electronic signature (ES), an analogue of a handwritten signature
Can be provided in the form:
- notarized copy of duly legalized documents
6. Licenses (permits), if these licenses (permits) are directly related to the legal capacity of a non-resident legal entity to enter into a bank account agreement on the basis of which the account is opened
Can be provided in the form:
- notarized copy of duly legalized documents
7. Identification documents of the manager and persons specified in the KOPOP, other representatives of a non-resident legal entity (including persons authorized to use an electronic signature, an analogue of a handwritten signature)
Can be provided in the form:
- notarized copy
- original
8. Notarized COPOP
Can be provided in the form:
- original
Application for establishing combinations of handwritten signatures of persons authorized to sign, necessary for signing documents containing the client’s order specified in the KOPOP (not required if the KOPOP is presented in the Bank’s form)
Can be provided in the form:
- original
10. Documents on financial position
10.1 for all non-resident legal entities - data on the Client’s rating posted on the Internet on the websites of international rating agencies (Standard & Poor's, Fitch-Ratings, Moody's Investors Service and others) and national rating agencies)
Can be provided in the form:
- a letter from the Client indicating the name of the rating agency and the rating assigned to the Client, signed by the Client’s authorized person and certified by the Client’s seal (if there is a seal)
10.2 for legal entities - non-residents who are Russian taxpayers List of documents to choose from the client
List of documents for the client's choice
10.2.1 a copy of the annual financial statements (balance sheet, financial performance report);
Can be represented as
10.2.2 a copy of the annual (or quarterly) tax return;
Can be represented as
- with marks from the tax authority confirming their acceptance
- with a copy of the receipt for sending a registered letter with a description of the attachment (if sent by mail)
- with a copy of the confirmation of shipment on paper (if transmitted electronically)
10.2.3 a copy of the latest audit report;
10.2.4 a certificate of fulfillment by the taxpayer (payer of fees, tax agent) of the obligation to pay taxes, fees, penalties, fines, issued by the tax authority;
10.3 for legal entities – non-residents who are not Russian taxpayers
One document of the client's choice
10.3.1 a copy of the audited (in the absence of management) annual financial statements;
Provided in case10.3.2 a letter confirming that there is no obligation to provide financial reports to the competent government authorities and copies of internal documents at the place of registration or activity of the Client for the purposes of financial and economic accounting;
Provided in case- if the legislation of the country (territory) in which the Foreign structure without the formation of a legal entity is established establishes the obligation to provide financial reports to the competent (authorized) government agencies at the place of its registration or activity
10.4 for non-resident legal entities with a registration period of less than six months in the absence of the above documents
List of documents
10.4.1 certificate of open current accounts with turnover on them (if any) in any credit institution, regardless of the country in which the account was opened, for any month
Hide
11. Information about business reputation
One document of the client's choice
11.1 Reviews (in any written form) about the Client from other Bank Clients who have business relations with him;
11.2 Reviews (in any written form) from other credit institutions where the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
11.3 Feedback (in free written form) from the Client’s main/planned counterparties who have/plan to establish business relations with him on the assessment of the Client’s business reputation
Hide
12. Permission from the national (central) bank of a foreign state (if available)
Can be provided in the form:
- notarized copy of duly legalized documents
13. Internal documents of the Client limiting the powers of the sole executive officer and/or other Representatives of the Client (if any)
Can be provided in the form:
- notarized copy of duly legalized documents
14. Additionally provided when opening an account for a representative office or branch of a non-resident legal entity
14.1 Regulations or other document on a branch (representative office) of a non-resident legal entity, a decision of a non-resident legal entity on the creation of a branch (representative office) on the territory of the Russian Federation and the appointment of the head of the branch (representative office) (only for branches and representative offices)
Can be provided in the form:
- notarized copy of duly legalized documents
14.2 Permission to open a representative office of a non-resident legal entity or other documents indicating the accreditation of a representative office of a non-resident legal entity in the Russian Federation; extract (notarized copy of the extract) from the consolidated state register of representative offices (branches) of foreign companies accredited in the Russian Federation (only for branches and representative offices)
Provided in case of:
- notarized copy of duly legalized documents
14.3 Power of attorney issued to the head of a branch (representative office) to open a bank account, conclude a Bank Account Agreement and/or manage funds in a bank account (only for branches and representative offices)
Can be presented as:
- notarized copy of duly legalized documents
1. Documents confirming the legal status of ISBOLE
Can be provided as
- notarized copy of duly legalized documents
2. Documents confirming registration of ISBOYUL
Can be provided as
- notarized copy of duly legalized documents
3. Document confirming the election of the sole executive body (if there is a sole executive body)
- notarized copy of duly legalized documents
4. Power of attorney issued by ISBOLE to an authorized person authorized to enter into bank account agreements and manage the bank account
Can be provided as
- notarized copy of duly legalized documents
Any enterprise, regardless of its form of ownership, in any case needs banking services; the point is that usually at the stage of business formation, every entrepreneur thinks about opening a current bank account in order to effectively manage their capital. Here, each potential client chooses a bank based on two parameters - the reliability of the credit institution and favorable service rates. Promsvyazbank, which has a rich history and deserves the trust of millions of customers, is ideal for these parameters. Therefore, you should definitely study the terms of service for current accounts, and we will also answer the question of how to open a current account for individual entrepreneur Promsvyazbank.
Bank advantages
To begin with, it is worth saying that Promsvyazbank has been operating in the financial services market for more than 20 years, judging by customer reviews, it offers favorable terms of cooperation and a wide range of services for legal entities and individual entrepreneurs. Among other things, the bank occupies a leading position in the financial services market.
If we talk about the advantages of cash management services, there are several of them:
- Current account holders can carry out financial transactions around the clock, regardless of their location, thanks to convenient Internet banking and a mobile application;
- all payment orders are executed on the day they are sent;
- You can link a bank card with free service to your current account;
- There is a separate hotline for legal entities and individual entrepreneurs, where call center employees can provide advice on financial issues;
- in their personal account, current account holders can communicate with an employee and a credit institution via online chat;
- You can open a current account in domestic or foreign currency, depending on the specifics of the business.
Please note that Promsvyazbank offers to start cooperation online, that is, you can book a current account on the official website.
Service tariffs
Promsvyazbank offers tariffs at different prices for legal entities and individual entrepreneurs. The choice of tariff will largely depend on the scale of the enterprise and its other features, however, in order to compare tariffs, consider the table.
|
Tariff name |
Monthly service cost in rubles | Cost of payment order in rubles | Deposit fee |
|
Pay less |
0 | The first 5 are free, the next are 99 rubles |
Up to 30,000 rubles – 0% |
| Business start |
The first 3 are free, the next are 99 rubles |
Up to 30,000 rubles – 0% | |
|
Business light |
850 rubles, when paying the tariff for one year, 21% discount |
The first 5 are 45 rubles, the next are 110 rubles |
0,15% |
|
Business 24×7 |
1490 rubles, when paying for service for 3 months, 10% discount | The first 200 are 19 rubles, the next are 18 rubles |
0,25% |
|
Business check |
2290 rubles, if paid for 6 months, 17% discount | The first 30 are free, the next 40 rubles |
0,1% |
|
My business |
1800 rubles, if paid for 1 year 20500 rubles | The first 5 are 45 rubles, the next up to 110 rubles. |
0,15% |
Please note that there is no fee for opening a current account; payments to the budget are made free of charge at all rates.
What is needed to open a current account
Before opening an account for a legal entity Promsvyazbank, you need to prepare some documents. If the form of ownership of the enterprise is LLC, OJSC, CJSC, then the entrepreneur will be required to:
- conclusion on the appointment of a manager;
- card with samples of signatures and seals of the founders;
- charter;
- tax registration certificate;
- extract from the Unified State Register of Legal Entities;
- copies of passports of all founders;
- license.
Please note that before contacting the bank, you should check with the employee for a list of documents that are relevant directly to you.
Individual entrepreneurs require much fewer documents; in total, they usually only require a passport of an individual entrepreneur, a tax registration certificate and an extract from the Unified State Register of Individual Entrepreneurs. Other documents may be required depending on the specifics of the business; the list should be clarified before contacting the bank so as not to be refused service due to a lack of documents.
In practice, the procedure for opening a current account will look like this: first you need to go to the official website of Promsvyazbank, to the cash services section or follow the link https://www.psbank.ru/business/everyday/cashservice/openaccount. You will be presented with a small questionnaire that you need to fill out, all your data will be transferred to bank employees for analysis, after which a specialist will contact you and advise you on further actions.
Services
Since Promsvyazbank has been operating in the financial services market for quite a long time, it offers the widest range of financial services. The following services are available within the framework of settlement and cash services:
- Salary project. All current account holders can use this service, and as part of the salary project, all employees of the company receive free plastic money to receive their income.
- The bank offers acquiring services to individual entrepreneurs and legal entities; here you can order a POS terminal or online cash register with favorable service rates.
- Also, as part of settlement and cash services, the bank offers currency control for enterprises operating with foreign partners.
- Entrepreneurs can use lending services on preferential terms; in particular, the bank offers an overdraft without paperwork and time costs.
- Entrepreneurs can check their counterparties online; the system will automatically provide the necessary information about the business partner or buyer.
- Clients can use the “Lawyer 24” service free of charge, here they can get competent advice on certain issues from lawyers.
- For aspiring entrepreneurs, the bank offers business training and other consulting services.
Remote service
Finally, the method of service is important for each client, namely remote services that allow you to manage your finances remotely. If we talk about the advantages of Promsvyazbank Internet banking, the main one is a high degree of reliability; you can access the online account using a login and password, access is additionally protected by SMS codes.
It must be said that the entrepreneur’s personal account provides him with ample opportunities; here you can control incoming and outgoing payments, view income and expense charts. The system will automatically assess your ability to distribute finances. Among other things, the bank offers not only a browser version of Internet banking, but also a mobile version, so you can use your financial account at any time of the day, regardless of your location.
To summarize, opening a current account for individual entrepreneurs at Promsvyazbank is really beneficial, especially since the bank has a positive reputation in the financial services market and wins the attention of a million clients. By cooperating with the bank, you can count on additional privileges in the form of preferential lending, because you can connect the overdraft service to your current account and use funds even with a negative balance, however, you can make an appointment with a specialist at any time using the hotline number and get a full consultation .
Promsvyazbank is a reliable private bank that provides a wide range of financial services to business clients - individual entrepreneurs and legal entities.
PSB is among the TOP 10 largest banks in Russia, having been operating for more than twenty years. Opening a bank account occurs quickly and with minimal effort on the part of the applicant.
Advantages of settlement and cash services at Promsvyazbank
The bank provides a full range of high-quality settlement and cash services, allowing clients to open a bank account in Russian and foreign currency. Account servicing is possible for both residents and non-residents of the Russian Federation.
PSB provides the following guarantees:
- prompt consideration of a request for registration of an account;
- receiving account details in 1 minute;
- free issuance of a corporate card;
- the ability to transfer payment templates from another bank;
- preparation of documentation for opening a bank account;
- a wide range of additional services (from acquiring to payroll projects);
- convenient Internet banking;
- receiving a discount of up to 21% on services when making an advance payment;
- free account opening.
Additionally, it is possible to obtain an overdraft on favorable terms, connect to a salary project, implement currency control and round-the-clock collection, as well as order other paid options.
Tariffs for cash settlement services in Promsvyazbank
The bank offers several tariff plans for opening a bank account, the terms of service of which depend on the region of registration of the client’s business.
To find out more information about current service packages available in your region, contact a bank specialist by calling 8-800-333-25-50.
If necessary, you can use the online service to prepare documentation on SIS standards.
Reviews about cash settlement services in Promsvyazbank
Konstantin Dmitrievich, Veliky Novgorod
I like the service at Promsvyazbank - a small subscription fee for a month of service, convenient and free Internet banking, low commission for depositing cash into the account. Among the minuses, I can highlight the insufficient number of free external payments, but their cost after the end of the limit, in principle, is not so high.
Nikolay, Samara
Tried to reserve an account several times. It only worked the third time. I don’t know whether something went wrong with me or on the bank’s website. I called support to figure it out. They quickly solved the problem, told me my account details and a list of documents for concluding an agreement. As a result, the current account was opened quite quickly!
Are you going to open a current account?
YesNo
Check out bank offers| RKO in Tochka Bank. | Open an account |
More about the current account
- Opening an account is free in 10 minutes;
- Maintenance – from 0 rubles/month;
- Free payment cards – up to 20 pcs./month.
- Up to 7% on account balance;
- Overdraft possible;
- Internet banking – free;
- Mobile banking is free.
| RKO in Raiffeisenbank. | Open an account |
More about the current account
- Opening an account is free in 5 minutes;
- Maintenance – from 490 rubles/month;
- Minimum commissions.
- Registration of salary cards is free;
- Overdraft possible;
- Internet banking – free;
- Mobile banking is free.
| RKO in Tinkoff Bank. | Open an account |
More about the current account
- Free opening of account in 10 minutes;
- The first 2 months are free of charge;
- After 2 months from 490 RUR/month;
- Up to 8% on account balance;
- Free accounting for individual entrepreneurs on Simplified;
- Free Internet banking;
- Free mobile banking.
| RKO in Sberbank. | Open an account |
More about the current account
- Opening an account - 0 rub.;
- Maintenance – from 0 rubles/month;
- Free “Sberbank Business Online”;
- Lots of extra services.
| RKO in VTB. | Open an account |
More about the current account
- Opening an account – free of charge in 5 minutes;
- 3 months of service 0 rubles;
- Transfers and cash transactions - 0 rubles;
More about the current account
- 0 rub. opening an account;
- 0 rub. Internet banking and mobile banking for account management;
- 0 rub. issuing a business card for depositing and withdrawing cash at any ATM;
- 0 rub. first deposit of cash into the account;
- 0 rub. tax and budget payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
- 0 rub. account maintenance if there is no turnover.
| RKO in the Eastern Bank. | Open an account |
More about the current account
- Opening an account is free;
- Reservation in 1 minute;
- Internet banking and mobile application are free;
- 3 months of service free of charge;
- after 3 months from 490 rub./month.
| RKO in LOKO Bank. | Open an account |
