17Jun

Hello! In this article we will talk about bank services that provide settlement and cash services for individual entrepreneurs, LLCs and even individuals.

Today you will learn:

1. What is included in RKO;
2. Who is it intended for and what problems does it solve?
3. How to choose a bank;
4. How to open a cash register service on your own.

What is cash management services?

Cash and settlement services for clients (or abbreviated RKO) is a system of services provided by the bank and. RKO regulates all monetary transactions, transfers of funds to business partners, suppliers, and receipt of settlements from clients.

RKO – a set of banking services for the storage and movement of funds of an enterprise.

The essence of cash settlement services is to conduct and carry out financial transactions on it. Unlike a current account, a current account allows its owner not only to store finances, but also to manage them to conduct commercial and non-commercial activities.

Each bank sets its own service rates.

After the client enters into a settlement agreement with a financial institution, the bank takes over all financial transactions of the customer.

These include:

• Non-cash and cash payments;
• Generating account statements.

RKO for individuals

It is customary to talk about settlement and cash services in the aisles of services for enterprises and businessmen; on bank websites, tariffs for cash settlement services are most often located in the “Legal Entities” section.

Therefore, it is widely believed that RKO is a service for enterprises. But theoretically, individuals can also act as consumers of cash settlement services. They can also enter into an agreement with the bank to use their personal account for non-commercial purposes. For example, for cashless payment of utility bills.

For citizens, RKO implies the following functions:

• Account replenishment and cash withdrawal;
• Non-cash payments;
• Internet banking.

Often settlement services for individuals are paid by commission on specific transactions, but some banks offer separate tariffs, service packages from the “All Inclusive” area, for which a monthly subscription fee is set.

Document flow

A financial institution providing cash settlement services interacts with clients through certain documents.

The most common ones are:

• Payment orders for non-cash payment of bills;
• Forms for depositing cash into an account;
• Checkbook and checks, which are issued upon receipt of cash at the cash desk;
• Statements as a means of controlling expenses and receipts.

Legal regulation of RKO

In legal terms, the activities of cash settlement services are regulated by the Civil Code of the Russian Federation, the Federal Law “On Banks and Banking Activities” and various provisions of the Central Bank of Russia.

The relationship between the parties is governed by an agreement, the conclusion of which is a mandatory condition for the provision of the service.

Any legal entity or individual entrepreneur has the right to use RKO. In this case, the form of ownership and cash flow do not matter.

According to the law, each organization or entrepreneur can have as many current accounts as they need to carry out their work.

As part of the agreement with the client, the bank providing cash settlement services undertakes, at the consumer’s request, to credit his funds to the current account, store them, issue and make payments and money transfers.

In what cases should you use RKO services?

In any business you can’t do without RKO if you need:

• Transfer money to a non-cash account;
• Transfer of salaries by bank transfer;
• Withdrawing and receiving non-cash transfers;
• Receiving bank account statements.

Organizing settlement and cash services for an LLC or individual entrepreneur is a common procedure for most financial institutions. For the bank this is another source of income, and for the client company it is a simplification of financial transactions.

Advantages of RKO

Why enter into an agreement with a bank if you can store money in your safe and pay non-cash bills through a bank operator?

Cash settlement services in a bank would not be so popular if it did not have its advantages:

• Fast and accurate financial transactions;
• Operational service;
• Consultations of specialists;
• Providing up-to-date information about the account status and transactions performed;
• Guarantees from the bank regarding the confidentiality of commercial information and the safety of funds entrusted to it.

Thus, the bank is able to solve many problems in the financial life of an enterprise. RKO allows you to save time and sometimes money.

Components of RKO

Cash management services are not just about maintaining a current account. This is a whole range of services that banks provide to the best of their ability and at individual rates.

From the package of services offered by the bank, entrepreneurs can choose the most suitable moments at reasonable prices.

Cash transactions

Cash settlement services always include accepting cash from an entrepreneur. You can top up your current account in some banks only through a cash desk in the office, in others - through ATMs (with self-collection cards).

To withdraw cash from your account, there are two options:

1. Checkbook. It is issued at the bank, according to which the account holder can receive funds at the bank’s cash desk for employees or for other needs.
2. Corporate bank card. Allows you to receive cash through an ATM. At the same time, all transactions are also formalized and recorded by the bank.

For organizations with a large cash turnover, the bank can include collection services in the cash settlement package.

Transactions with non-cash funds

Within the framework of cash settlement services, the bank undertakes to carry out the client’s instructions regarding the movement of non-cash funds, timely provide information on cash receipts and outflows, and generate statements (information on the results of financial transactions).

A bank client can submit his instructions for carrying out monetary transactions in the classic way - with printed payments through an operator at the bank, or using Internet banking, which is becoming increasingly popular not only due to convenience, but also due to competitive tariffs (it is also more profitable for the bank to accept payment orders via the Internet and do not have a large office and a staff of tellers).

Acquiring

And - additional services that are part of the cash settlement system, allowing the company to accept non-cash payments from individuals (via bank cards).

This service is provided for a fee and, as a rule, the bank takes a certain commission for accepting non-cash payments.

For acquiring at a retail outlet, you will need to purchase or rent a special terminal (some banks provide it for free); in Internet acquiring, no additional equipment is required; it is replaced by an electronic form filled out by the buyer.

Currency operations

For companies planning to work not only with Russian rubles, but also with foreign currencies, banks include additional services in cash settlement services:

• Purchase and sale of currency;
• Sale of the obligatory part of foreign currency earnings;
• Conversion;
• Receiving payment in foreign currency from foreign clients;
• Payment of foreign currency bills.

A foreign exchange account consists of three accounts:

• To manage the available currency – a current account;
• To account for income – transit;
• To account for purchased currency.

How to open a cash settlement in a bank

Opening an account for cash register services is becoming easier every year. Today you can book a current account through the bank’s website and accept payments to it on the same day.

In total, the procedure for opening an account consists of several stages:

1. Selecting a bank;
2. Select a tariff (if there are several);
3. Collection and provision of documents;
4. Concluding an agreement, drawing up a card with signatures and a seal (if available).

Depending on the bank, the entire procedure may take 1-5 days.

Documentation

A list of documents required to open an account can be obtained from the financial institution. Banks have the right to establish their own procedure for servicing, opening an account and the form of documents.

Minimum package of documents:

• Statement of intent to open an account;
• Identity document (passport and quite often -);
• If available - or organization;
• Documents confirming the state registration of an organization or individual entrepreneur ().

For legal entities, other documents may be required.

For example:

• , certified by the seal of the tax service;
• Protocol on the establishment of the company and the appointment of a director;
• Documents for the legal address (, certificate of ownership);
• If available, a constituent agreement, licenses, if the type of activity is subject to mandatory licensing.

In which bank to open a cash settlement

Below is a list of banks and the benefits of working with them. The selection of banks was carried out by collecting reviews.

Tinkoff

This bank gained fame not so long ago, but now it is in a stage of active growth and development. Tinkoff does not hesitate to attract new customers through lucrative offers and promotions, inexpensive tariffs and delight its regular partners with new upgrades.

You can open an account at official website of the bank in 5 minutes.

The range of services is quite wide: lending, acquiring, Internet banking, SMS notification system, and so on.

• Monthly service – for individual entrepreneurs the first 3 months are free, then – from 490 rubles;
• Money transfers – from 29 rubles per payment, or unlimited payments for 990 rubles per month;
• Depositing funds into the account - depending on the tariff: 299 rubles for any amount or 0.25%, or unlimited deposit for 1990 rubles per month;
• Commission for cash withdrawal: up to 100,000 rubles – free, large amounts – from 1%.

Sberbank

Covers the widest range of banking services. Works with both individuals and legal entities.

You can open an account at official website of the bank.

Tariffs and additional services are designed for both large enterprises and beginning businessmen. In addition, the geographical area covered is wide.

Sberbank branches and its ATMs are located even in small towns and villages.

The Sberbank Business Online system allows you to maintain several current accounts at the same time, and it is convenient to manage it through a mobile application.

The Sberbank Advisory Center provides round-the-clock support to its clients.

• One-time payment for opening an account – from 1500 rubles;
• Monthly maintenance – from 1500 rubles;
• Money transfers: electronically – from 32 rubles per payment, on paper – from 300 rubles;
• Commission for cash withdrawal: for wages - from 0.6% of the amount, for other needs - from 1.4%.

Modulbank

This bank operates on the basis of Regional Credit, which has been known on the market for more than 20 years. It works only with representatives of small businesses, and accordingly offers services that are beneficial to them.

You can open it at official website of the bank in 5 minutes.

• One-time payment for opening an account – 0 rubles;
• Monthly maintenance – 0-3000 rubles;
• Money transfers: electronically – from 0 to 90 rubles per payment;
• Depositing funds into your account is free on most tariffs;
• Cash withdrawal fee – 0-15%.

Dot

A modern bank with a youthful spirit and first-class service, created on the basis of the well-known Otkritie Bank. Convenient online payments, round-the-clock transfers with a minimum commission. Each region has its own tariffs, so the cost of services may vary significantly.

You can open an account at official website of the bank in 5 minutes and start using it! This is great!

• One-time payment for opening an account – 0 rubles;
• Monthly maintenance – from 500 to 7500 rubles;
• Money transfers: for legal entities - depending on the tariff, from five payments free of charge, and then from 30 rubles per transfer; for individuals - free up to 500,000 for individual entrepreneurs and up to 70,000 for;
• Depositing funds into your account is free through Otkritie Bank ATMs;
• Commission for cash withdrawal is free up to the amount determined by the tariff (from 10,000 rubles).

Promsvyazbank

It is among the 500 largest global banks (according to The Banker magazine), in Russia it also occupies a leading position in terms of customer coverage, and is among the top 3 private banks.

• One-time payment for opening an account – from 590 rubles;
• Money transfers – 0-110 rubles, depending on the tariff;
• Depositing funds into the account – from 0.5% of the amount;
• Commission for cash withdrawal – from 0.2%.

More details at official website of the bank.

Alfa Bank

All services on a non-cash account can be carried out through the online account. You can hold several accounts at the same time, and in different currencies. The bank provides additional services (for example, lending) in full.

• One-time payment for opening an account – 0 rubles;
• Monthly maintenance – from 850 rubles;
• Money transfers: electronically - from 30 rubles per payment, on paper - from 0.1% of the amount;
• Depositing funds into the account – from 0.3% of the amount;
• Commission for cash withdrawal: for wages - from 0.5% of the amount, for other needs - from 2.5%.

You can open an account at Alfa-Bank official website.

Rosbank

Founded in 1993, the head office is located in Moscow. It has the status of a universal bank and is part of the international financial group Societe Generale.

• One-time payment for opening an account – free of charge when registering via the Internet;
• Monthly maintenance is free for the first three months, then from 700 rubles;
• Money transfers: electronically – from 30 rubles per payment, on paper – from 250 rubles;

More details on the official website of Rosbank.

Gazprombank

The bank provides services to key sectors of the domestic economy (oil, gas, energy, metallurgy, mechanical engineering, etc.). One of the largest banks not only in Russia, but also in Europe.

• Monthly maintenance – from 600 rubles;
• Money transfers: electronically – from 30 rubles per payment, on paper – from 200 rubles;
• Depositing funds into the account – from 0.02% of the amount;
• Commission for cash withdrawal – from 1%.

Uralsib

The main direction of the bank is retail and corporate business. The head office is located in Moscow, 6 branches and 280 sales points have been established throughout the country.

• One-time payment for opening an account – 1800 rubles;
• Monthly maintenance – from 1000 rubles;
• Money transfers: electronically – from 10 rubles per payment, on paper – from 50 rubles;
• Depositing funds into the account – from 0.3% of the amount;
• Commission for cash withdrawal: for wages - from 0.5% of the amount, for other needs - from 1%.

More details on the Uralsib official website.

Opening

Opened 23 years ago, it continues to grow and develop actively. The bank puts trusting relationships with clients first and receives a lot of positive feedback in return.

• One-time payment for opening an account – 0 rubles;
• Monthly maintenance – from 0 rubles;
• Money transfers: electronically – up to 0.3% (minimum 19 rubles), within the selected package there can be from 10 free transfers;
• Depositing funds into your account – no commission;
• Commission for cash withdrawal – from 0%.

More details on the official website of Otkritie Bank.

VTB

VTB is a group of financial enterprises that includes about 20 banks. The most famous of them is VTB24. The main shareholder of the bank is the state, which gives the bank additional reliability.

• One-time payment for opening an account – 1000-4500 rubles;
• Monthly maintenance – 1000-2500 rubles;
• Money transfers: electronically – from 5 rubles per payment, on paper – from 250 rubles;
• Depositing funds into an account – from 0.08% of the amount;
• Cash withdrawal fee – from 0.5% of the amount.

Details at VTB official website.

Vanguard

Once one of the most popular banks, it is now beginning to lose ground, unable to keep up with modernization. Suitable only for those clients who are used to doing everything the old fashioned way, without using a mobile bank and SMS alerts.

• Monthly maintenance – from 900 rubles;
• Money transfers: from 25 rubles per payment;
• Depositing funds into the account – from 0.3% of the amount;
• Cash withdrawal fee – from 1.2%.

Rosselkhozbank

The bank was established in 2000 for the agro-industrial sector and agriculture. Today it is a universal bank providing a wide range of services to private clients and businesses. One hundred percent of the voting shares of the enterprise belong to the state.

• One-time payment for opening an account – 2500 rubles;
• Monthly maintenance – from 750 rubles;
• Money transfers: electronically – from 6 rubles per payment, on paper – from 250 rubles;
• Depositing funds into the account - as agreed by the parties;
• Cash withdrawal fee depends on the region.

Post Bank

Bank from the VTB group. Created on the basis of Leto Bank in 2016. The main goal of the bank is to increase the accessibility of financial services for residents of our country, especially the bank’s emphasis on pensioners. The bank currently provides settlement and cash services only to individuals.

• Issuing a bank card is free;
• Monthly maintenance is free;
• Money transfers: up to 0.8%;
• Depositing funds into your account – no commission;
• Cash withdrawal fee – no commission.

AK Bars

Registered in 1993. It provides more than a hundred different services to both private and corporate clients (including large enterprises in the field of oil and gas exports).

• One-time payment for opening an account – from 1000 rubles;
• Monthly service – 400 rubles using Internet banking and 1200 rubles without using it;
• Money transfers – from 50 rubles;
• Depositing funds into your account is free;
• Commission for cash withdrawals is on average 0.9%.

5 best banks for cash settlement services

From the entire list that you saw above, we settled on these four leaders in terms of price-quality ratio:

1. Dot;
2. Tinkoff;
3. Modulbank;
4. Promsvyazbank.
5. Alfa Bank.

How to choose a bank

You need to be very careful when choosing a bank. A significant part of the company’s work process depends on the quality and cost of RKO.

For some companies, the speed of transactions is important - quick payment of bills and prompt arrival of funds. For others, speed is not as important as the low price, because when you have to perform many mandatory operations, a high commission can cause a significant blow to the budget.

What to pay attention to.

The bank must first of all be reliable. Every collaboration has its own risks. And if these risks exceed the benefits that the bank is able to offer, you should not take this option into account.

Bank reliability criteria can be:

• The bank's reputation among former clients, in the media and on the Internet. Of course, you won’t find negative reviews on the bank’s official website, but on other resources, such as business forums, the Banki.ru portal, and so on, you can find real reviews and expert opinions.
• Timing of monetary transactions. Some banks issue cash and make wire transfers on the day of application, while others only after 3-5 days.
• Geographical location and accessibility of the branch and ATMs, work schedule. Of course, today there are also Internet banks that do not have their own offices, but for some operations, especially when working with cash, an accessible branch is required.
• Wide range of services. It is much more convenient to perform all transactions in one bank. You need to make sure in advance whether the bank is ready to provide all the necessary services. For example, not all organizations make payments in foreign currency.
• Tariffs, commission amount. Some tariffs are beneficial for frequent non-cash payments, others for cash withdrawals.

A large bank does not always mean reliable. Even the whales of banking sometimes fall into debt and lose their license. At the same time, a little-known bank with a small number of branches can operate quite calmly and at the same time maintain a balance of its liabilities and assets.

An organization or individual entrepreneur choosing cash settlement services is not required to settle on one bank. If you don’t like something, or you receive a more advantageous offer, you can always close your current account, terminate the contract and enter into a new one with another bank. The law does not limit the number of current accounts per company, so you can cooperate with several banks at once.

Bank selection procedure.

Step 1. Selecting a list of required services.

To begin with, it is important to understand which of the cash register capabilities will be required in the company’s work. It is necessary to take into account the specific features of your activity.

How often will you need to make non-cash payments, accept incoming transfers, make collections or withdraw cash? The answer to these and similar questions will help you understand which lines in the tariff plans you should pay special attention to.

For example, a retail store may require acquiring and frequent deposits of cash into the account, while convenient and inexpensive Internet banking may be required.

Step 2: Prioritization.

Once the picture of the required RKO emerges, it is necessary to decisively and finally place emphasis. If you decide that you need a bank with a small commission for withdrawals, then do not deviate from your decision.

Sometimes banks lure customers with lucrative offers and additional services that are actually not that important.

Step 3. Selection of banks, review of tariffs.

Next, it is necessary to select several banks whose services best meet the previously identified requirements. From a huge number of organizations (and in Russia there are neither more nor less banks, but almost 800) you need to choose 2-3 that provide the services you are interested in at the best prices.

Step 4. Analysis of information about banks.

The package of services and tariffs suit you, but what about the geographical location, service, availability of ATMs and offices? At the final stage, we recommend studying as much as possible all available information, including customer reviews.

Hello! Today we’ll talk about what cash settlement and customer service is and provide the tariffs of the TOP 10 best banks with cash settlement services.

Cash settlement services are provided by banks to legal entities and individuals (IP) for a monthly fee. Clients need to prepare a package of documents and sign a banking service agreement. After which you can use acquiring, a salary project and other amenities.

What is cash management services, and is it possible to do without it?

The range of services that the bank provides to its clients when maintaining a current account is called cash settlement services or cash settlement services. This is the carrying out of various operations, such as the implementation of payment orders, their withdrawal, withdrawal and deposit of cash, as well as many additional options. Their list and cost depends on the selected service package and.

By concluding an agreement with the bank, the client will agree to the conditions for the provision of cash settlement services by the bank. This means that you can take advantage of all the benefits that banks offer and significantly simplify doing business.

Select a current account

What is included in cash management services

RKO implies a wide range of services, including not only servicing the account itself. The client has the right to choose one or more of them. Some options are already included in the price of service packages, while others require a separate fee.

Cash settlement services include:

Checking account. Cash payments are allowed only for the amount of one contract worth up to 100,000 rubles. Anything above this threshold must go through a bank account. Its main purpose is to carry out translations. You or a bank employee generate a payment order indicating the amount and purpose of the transfer, which is subsequently realized in favor of the recipient of the funds;

Acquiring: shopping, mobile and internet. Banks provide special trading equipment for the use of clients involved in the sale of goods and services. It allows the buyer to pay by bank transfer. In this case, information about the completed sale is promptly sent to the tax authority. Banks carry out installation and technical control of devices. Representatives of the credit institution also provide training on how to operate the equipment;

Currency control. For clients conducting business with foreign partners, banks draw up transaction passports and check contracts for compliance with legal norms;

Salary project. If the organization's staff or IP If there are hired employees, then the bank can pay wages. To do this, the employer transfers funds to his account, and then bank employees distribute the amount among individuals;

Corporate cards. You can link a card to your current account to pay for entertainment expenses, business needs or travel allowances. Plastic allows you to withdraw cash from your account through an ATM;

Self-collection. The banking service allows you to deposit proceeds yourself into an ATM. You do not have to visit a branch of a credit institution: it is enough to have a special code that is entered into the self-service device. After which the money is credited to the current account. This option is convenient for small businesses with low turnover;

Mobile bank. Through the downloaded application, you can control your account balance and make payments using saved templates;

Internet banking. This is a personal account on the bank's website. Allows you to remotely maintain your account. To do this, you do not need the help of an operator: you can carry out any operations yourself, and a special window with a chat will allow you to contact a specialist. To draw up and send payment orders to the bank, you need to purchase a token that provides access to an electronic signature.

Tariffs of TOP 10 banks for settlement and cash services

Banks set their own prices for cash settlement services. They depend on the rating of the credit institution, the number of clients, and the variety of functions. A profitable bank has low tariffs and a wide range of services. We invite you to compare cash settlement prices based on the tariffs of the TOP 10 banks. Our analysis will help you choose the right bank.

Tariffs of all banks

Dot

Bank Tochka offers 3 packages of services: “Minimal”, “Optimal”, and “Ideal”. Each of them already includes a certain list of services. The more expensive the package price, the more opportunities the client has. The cost of service is the same for all regions of the country.

We invite you to familiarize yourself with the bank's tariffs in the table.

RKO section	Rate
Cost of opening an account	For free
Monthly service	0 - 2500 rub.
	from 0 to 60 rub. depending on the service package
	Depends on the service package. At the maximum rate: up to 100,000 rubles - no commission; from 100,000 to 400,000 rubles - 3%; from 400001 - 8%. The minimum commission amount is 100 rubles. For individual entrepreneurs on the simplified tax system of 6% without employees and a cash register, withdrawals are made without commission.
Operation day	payments between bank clients are made from 00:00 to 20:50
Possibilities	salary project; currency transactions; trade, mobile and internet acquiring; attaching a corporate card to the account; mobile banking; Internet bank; overdraft for business.

Tinkoff

Tinkoff Bank does not have customer service offices. All operations are carried out remotely by legal entities and individual entrepreneurs themselves. The credit institution has developed 3 service packages, the use of which is free for the first 90 days.

You can get acquainted with the cost of bank services by looking at the data in the table.

RKO section	Rate
Cost of opening an account	For free
Monthly service	From 490 to 4990 rubles, starting from the 2nd month
Cost of payment order	From 19 to 49 rubles depending on the service package. From 3 to 10 payments can be made free of charge, except for the “Professional” service package.
Limits and interest on cash withdrawals for individual entrepreneurs and organizations (LLC)	1 - 15% depending on the withdrawal amount (also, for each service package there is a minimum commission in rubles - from 59 to 99 rubles per operation)
Operation day	7:00 — 21:00
Possibilities	salary project; currency transactions; mobile banking; Internet bank; overdraft for business.

The Bank offers its clients 3 packages of services: “Start”, “Optimal” and “Unlimited”. The first of them involves free account maintenance, but with a limited list of operations. The client acquires the most extensive opportunities with the “Unlimited” package. More detailed information about the bank's tariffs can be seen in the table.

RKO section	Rate
Cost of opening an account	For free
Monthly service	0, 690 and 4900 rub. depending on the connected service package
Cost of payment order	transfers to Modulbank clients - free of charge; transfers to other banks - from 0 to 90 rubles.
Limits and interest on cash withdrawals for individual entrepreneurs and organizations (LLC)	up to 100 thousand rubles. - for free; cash withdrawal commission ranges from 2.5 to 6% depending on the amount.
Operation day	5:00 — 20:30
Possibilities	salary project; currency control; mobile application for business; Internet bank; trade and internet acquiring, cash desk on a tablet.

Sberbank has developed new service packages that will be convenient for both beginning businessmen and owners of large enterprises. You can reserve a current account number on the bank’s website in literally 5 minutes. At the same time, at any tariff there is no charge for making payments to the budget and for connecting to the Internet bank.

You can see Sberbank tariffs in our table.

RKO section	Rate
Cost of opening an account	0 rub.
Monthly service	0 - 9600 rub.
Cost of payment order	external transfers - from 16 rubles, payments within Sberbank - free
Limits and interest on cash withdrawals for individual entrepreneurs and organizations (LLC)	for enterprises to pay wages - 0.6%, minimum - 250 rubles. (regardless of the amount); for individual entrepreneurs and organizations for other purposes - from 0 to 8%, minimum 250 rubles. (regardless of the amount).
Operation day	for paper payments - from 9:00 to 17:00; for payments via remote service - from 6:00 to 23:00.
Possibilities	salary project; currency control; trade acquiring; self-collection; corporate cards; mobile banking; Internet banking.

Loko-Bank

The bank offers its clients to subscribe to one of three service packages to choose from. The higher the turnover of your business, the more expensive the cost of monthly maintenance will be. All Loco-Bank clients have access to the service of depositing cash anywhere in the country. You can deposit revenue by calling a special code from SMS, and the money will be credited to your account on the same day.

Rosbank

Tariffs for cash settlement services in Rosbank are as follows:

RKO in Rosbank has the following features:

• Invoice issuance within 1 day.
• Free internet banking at any tariff.
• Extended banking day from 9:00 to 20:00.
• Transfers are processed “day to day”.

More about Rosbank

Opening an account in this bank is convenient for beginning entrepreneurs and small companies. Affordable prices and high quality service are the main advantages of Vesta Bank, for which many businessmen choose it. There are three service packages available for clients, each of which includes free payments to the budget and Internet banking connection.

In the new tariffs, the bank focuses on remote servicing of its clients. If your activity is dominated by non-cash payments, then maintaining an account will be very profitable. In this case, the bank will certify documents for opening an account free of charge and offer discounts on additional options.

UBRD

The Ural Bank for Reconstruction and Development offers several service packages. Moreover, in the first 3 or 6 months you can use the account on favorable terms. For example, a transfer according to a payment order is carried out free of charge an unlimited number of times.

RKO section	Rate
Cost of opening an account	Already included in the price of service packages. There may be a fee for joining the package.
Monthly service	From 0 to 2200 rubles
Cost of payment order	from 28 to 89 rubles
Limits and interest on cash withdrawals for individual entrepreneurs and organizations (LLC)	For individual entrepreneurs: from 600,000 to 1,000,000 rubles - 2.5%, minimum 150 rubles; from 1,000,000 rubles - 7.5%, minimum 150 rubles. For legal entities: up to 300,000 rubles - 1.3%, but not less than 150 rubles; from 300,000 to 600,000 rubles - 1.6%, minimum 150 rubles; from 600,000 to 2,000,000 rubles - 3%, minimum 150 rubles; from 2,000,000 rubles - 7.5%, minimum 150 rubles.
Operation day	for electronic payments within the bank - from 9:00 to 24:00; for others - from 9:00 to 17:00.
Possibilities	trade acquiring; Internet acquiring; salary project; bank guarantees; currency operations.

Opening

Otkritie Bank has a single tariff for opening an account in any region. The bank provides three packages of services with a limit on the number of free payments. The cost of service within the tariffs largely depends on the method of managing accounts: you can make transactions through the Internet bank or contact the branch employees.

Settlement and cash services for legal entities

In order for an organization to become a client of the bank, it needs to enter into an agreement. To do this you will need the following:

• constituent documents;
• data from the Unified State Register of Legal Entities;
• information about the organization in the form of a bank;
• financial statements;
• recommendations from business partners and credit institutions that previously served the legal entity;
• certificate of no debt to the tax authority;
• card with samples of signatures and seals.

To open an account, you can contact a bank branch or apply for the service through its website. After the bank approves your organization as its client, you will be able to begin managing your own account: deposit or withdraw funds, make payments.

Settlement and cash services for individuals

An individual entrepreneur can withdraw cash from a current account for his own needs, deposit proceeds from the cash register, and also send payment orders using the details of business partners. Legislation allows entrepreneurs to have their accounts opened in different banks or in the same one.

And to conclude physical. persons, it is necessary to provide the banking specialist with the following documents:

• passport;
• information from the Unified State Register of Individual Entrepreneurs;
• card with sample signatures and seal;
• information about the individual entrepreneur according to the bank form;
• licenses;
• annual or quarterly reporting (for example, a tax return), if the account was previously opened in another bank;
• power of attorney (if the account is opened by a representative).

How to choose a bank, what to look for

Today there is a wide variety of banks, and choosing only one among them is not an easy task. To simplify your search for the most suitable credit institution, we suggest that you familiarize yourself with the recommendations for choosing:

It is better to open a current account in a stable, large bank (Sberbank, Tochka (Otkritie), Tinkoff, SKB-Bank, UBRD, Modulbank). These parameters indicate the reliability of the credit institution, and therefore, by placing your funds here, you don’t have to worry about them);

do not trust banks that have opened recently (they offer the cheapest service, but you must understand that this is a marketing ploy to attract new customers, and nothing more. However, there are new banks that are representative offices of well-known banks. You can trust them);

You don’t need to visit all the banks; it’s better to view information about them on the official websites or on our website in the section (you will spend much less time, and you will also save money. Today, all banks have their own websites where the necessary information is located. If you have any questions - question, you can always contact a specialist by calling the hotline);

choose a bank based on additional services for cash settlement services and their cost (find out what options will be available to you. Will you be able to use acquiring, connect a salary project or issue a corporate card);

pay attention to tariffs and service packages (it is better to use the services of a bank that provides service packages. This way you will save a decent amount per year);

study the features of remote service (more and more businessmen are switching to maintaining accounts without bank employees. And banks today are competing to create the most convenient conditions for their clients. High-quality functionality and a clear interface of online banking are the main search criteria).

Choose a bank that offers advanced technologies in service (Tochka, Tinkoff and Modulbank). Running your business will become much easier. Additional services from banks that allow you to do accounting and send reports to the tax office will help you cope with your tasks much faster. Good luck in choosing a bank!

Select a current account

Settlement and cash services (CSS) for legal entities- a comprehensive bank service that provides settlements to the organization.

RKO is regulated by the Law “On Banks and Banking Activities”, the Civil Code of the Russian Federation, as well as the regulatory framework of the Central Bank of the Russian Federation, in particular the Regulations on non-cash payments in the Russian Federation, the Regulations on the procedure for conducting cash transactions in credit institutions, and other regulatory documents. In addition, an agreement on settlement and cash services is concluded between the client and the bank.

As a rule, RKO includes the following basic services:

• - non-cash payments;
• - cash transactions (cash services);
• - issuing account statements about completed transactions.

It should be noted that cash settlement services, as a rule, imply the possibility of opening and using not only a ruble account, but also a foreign currency account.

To carry out account transactions, as well as cash transactions, banks use unified forms, the main of which are:

• - payment orders (form 0401060) - for payments from a current account;
• - form for depositing cash into a bank account;
• - cashier's checks - for cash withdrawal.

After concluding an agreement on cash settlement services, the organization is issued a checkbook, which is used to receive cash for the business needs of the enterprise and for issuing salaries to employees.

In addition to basic services, banks also offer additions to settlement and cash services. Such additions include collection services and transactions on accounts through the Client-Bank remote access system.

RKO is a bank service from which it makes money. Moreover, basic services, as a rule, are either free or require small commissions. For additional services, banks charge payment in the form of interest or in the form of a monthly service cost.

Bank CJSC "Credit Europe Bank" represents the following range of cash settlement services for legal entities:

Opening and maintaining accounts

CREDIT EUROPE BANK opens and maintains all types of accounts for residents and non-residents of the Russian Federation in rubles and foreign currency.

Opening an account both in rubles and in foreign currency takes no more than 3 (three) days from the date of submission of the necessary documents to the Bank.

Payments in rubles and foreign currencies

CREDIT EUROPE BANK guarantees the reliability and quality of its operations. We provide our corporate clients with the opportunity to:

• · Promptly receive information about the status of the account and funds received into the account during the operating day and make non-cash transfers.
• · Use Remote Banking systems (Client-Bank and Internet-Bank) to make payments, exchange information with the Bank and manage your accounts.
• · Conduct a search for funds, including by sending appropriate requests.
• · At the request of auditors, inspection bodies, enterprises and organizations, their clients, provide information related to audits.

CREDIT EUROPE BANK offers corporate clients the opportunity to make non-cash transfers through the Bank of Russia Electronic Express Payments (BESP) system. An undeniable advantage of the BESP system is the speed of transfers. Funds are credited to the recipient's account within one business day, which significantly speeds up the turnover of funds.

CREDIT EUROPE BANK offers corporate clients to issue a checkbook.

• · Main benefits and advantages for the client:
• · Reducing costs for collection, recalculation and storage of funds.
• · No costs for purchasing equipment or creating additional infrastructure when servicing cardholders.
• · Guaranteed payment.
• ? Servicing foreign economic activity

CREDIT EUROPE BANK offers its clients the following services:

• · Carrying out payments using the SWIFT system.
• · Valuation of payments by the date of acceptance of the transfer application.
• · Issuance of bank letters of credit.
• · Advising, confirming, making payments, discounting and maintaining documentation for letters of credit opened in favor of the Bank's clients.
• · Issuance and advising of all types of bank guarantees, including guarantees for the return of advance payments, guarantees for the fulfillment of obligations, application guarantees, etc.
• · Confirmation of the authenticity of guarantees received directly from a foreign bank.
• · Development of individual payment schemes.

Currency control:

• · Conducting examination of export/import contracts and assistance in their development.
• · Registration of transaction passports and settlement services for export/import contracts.
• ? Receiving and issuing cash

CREDIT EUROPE BANK accepts, recalculates and issues cash in the currency of the Russian Federation and in major foreign currencies.

Currency exchange operations

CREDIT EUROPE BANK, being a member of the Moscow Interbank Currency Exchange (MICEX), offers its clients foreign exchange transactions on the domestic money market:

• · Mandatory sale of currency at the MICEX Unified Trading Session with preliminary deposit of funds for sale.
• · Purchase and sale of currency on behalf of clients for rubles with value dates “tod” (today), “tom” (the next business day after the transaction is concluded), “spot” (the second business day after the transaction is concluded).
• · Conversion of one currency into another with value dates “tom” (the next business day after the transaction is concluded), “spot” (the second business day after the transaction is concluded).
• ? Currency control

CREDIT EUROPE BANK offers the following services related to foreign exchange transactions:

• · Conducting examination of export/import contracts and consultations on their development.
• · Registration and maintenance of transaction passports.
• · Settlement services for export/import contracts.
• · Professional advice on the legislation of the Russian Federation in the field of currency regulation and foreign exchange control of foreign trade activities.
• · Participation in negotiations between the client and counterparties.
• · Individual support of client contracts and projects
• ? Cash collection

CREDIT EUROPE BANK offers cash collection services for the bank's corporate clients working in retail sales:

• · Cash collection.
• · Temporary storage of cash on weekends and holidays.
• · Processing (counting, sorting) of cash.

Individual tariffs are set for each client.

Greetings, friends! Remember the last time you paid in cash at a store? I am sure that most of you use cash for small purchases, paying for most of your purchases through non-cash payments. And if ordinary individuals actively use the capabilities of current accounts, what can we say about enterprises. Today, settlement and cash services for legal entities have literally become an integral part of business, both small and large. It is unlikely that anyone will argue that entrusting a bank with a current account is an extremely responsible and demanding decision maximum seriousness. In fact, all the company’s costs, the security of cash flows and, as a consequence, its profitability are in the hands of the bank. In this article I would like to cover the topic of cash settlement services in more detail, tell you what such a service is, and which bank to look for the best rates.

What is RKO and how does it work?

So, I suggest that you first find out what a current account is, and then move on to the main topic of the review. A current account is a legal account. persons with an independent balance in a banking institution, which is intended for saving money, carrying out non-cash transactions with other legal entities or individuals.

Based on this definition, we can reveal the essence of cash settlement services. RKO is banking services system, with the help of which accounts of individuals and legal entities are serviced, all monetary transactions are carried out in any currencies.

To take advantage of this kind of opportunity, potential clients need to send a certain package of documents to the bank and conclude an appropriate agreement with it. agreement. The legal aspects of RKO are enshrined in the Law “ About banks and banking activities", and are also determined by the regulations of the Central Bank of the Russian Federation.

Checking account- this is the account legal persons with independent balance in a banking institution, which is intended for saving money, carrying out non-cash transactions with other legal entities or individuals

Today, almost no organization can do without RKO. In addition, the need for non-cash money circulation also arises among individuals. It is for this reason that without settlement and cash services, not a single non-cash transaction is carried out, cash is not withdrawn or credited to the account, accounts in foreign currency are not maintained and statements of transactions on current accounts are not issued.

Cash settlement services for legal entities in credit institutions involve maintaining everyone transactions on current accounts. This includes the calculation of salaries, the payment of pensions, scholarships, and other similar payments. It is worth noting that transactions can be carried out both in rubles and in foreign currency.

Composition of services

If we talk about the fundamental services in this area, they can be combined into a single classification:

• non-cash payments;
• cash payments;
• preparation of bank statements for accounts.

When working with accounts and cash transactions, banking organizations use special forms:

• money orders(if we are talking about current accounts for payment) or, as they are also called, “ forms 0401060»;
• cash deposit forms to bank accounts;
• checks, which are issued at the moment withdrawals funds in the form of cash from the account.

Signing an agreement on the provision of settlement and cash services means that the company has the right to receive checkbook. It is one of the main tools for cashing out funds that are necessary to pay the company’s personnel and its other needs.

In order to improve settlement and cash services, many banks offer their clients to use the “ Bank-Client" Its specificity lies in the fact that in addition to the basic package of services, clients also receive additional options such as collection or remote access to current accounts.

However, here you need to be prepared for the fact that if the bank provides the main block of services free of charge or for a minimal fee, then you will have to pay for the related options. In general, there is nothing surprising in this, because, whatever one may say, a bank is a commercial organization.

sign up for cash register service and use it for 2 months for free

What does RKO consist of?

In accordance with the agreement on settlement and cash services, the bank provides clients with the following list of services:

• prompt and uninterrupted flow of funds;
• carrying out foreign exchange transactions;
• reception and delivery cash funds.

To successfully accomplish the above tasks, banks use special financial instruments. Of course, the main one is the current account, after opening which you will be able to gain access to other bank products related to the circulation of finances. These include the following:

Non-cash transactions

This includes prompt execution of client orders, regular notification of incoming and outgoing transactions, and issuance of bank statements. To manage a client’s finances, banks can choose a specific package of services, which will include basic and additional operations.

Companies can interact with credit institutions in two ways:

• Classic, transmitting orders in paper form from hand to hand or through proxies. However, in this case you will have to waste time traveling to the bank office;
• Online. Using Internet banking to manage finances, all payment requests and orders can be completed remotely. This type of interaction is preferred by the vast majority of companies.

RKO tariffs may vary significantly depending on what services are ordered.

Currency operations

If an organization needs to carry out its activities not only in national currency, it also needs to open a foreign currency account, or rather three accounts at once:

• current(to manage the currency already owned by a legal entity);
• transit(to keep track of incoming revenue);
• an account in which records of all foreign currency purchased within the domestic market will be kept.

The package of services for settlement and cash services of foreign currency accounts includes:

• purchase/sale of currency based on company instructions;
• sale of foreign currency earnings in the amount established by law;
• conversion operations;
• accepting payments or sending them for export-import client transactions.

Acquiring and Internet acquiring

To begin with, I propose to find out what acquiring is for an entrepreneur in principle. Imagine a situation where your company is in the process of cash settlement in some credit institution. This means that you can use the service of accepting bank cards to collect payment for goods at your point of sale - acquiring. Financial organizations that carry out this type of activity are called acquiring banks. I would like to draw your attention to the fact that they not only install the appropriate equipment in stores, but also organize events for the use of cards.

An analogue of this service is accepting payments via cards on the Internet. In this case, the terminal for reading information is a special form filled out by the buyer. This type of activity is referred to as Internet acquiring.

Cash transactions

Immediately after concluding an agreement for cash settlement services, an enterprise can issue a checkbook at the bank that will provide the service. An alternative, more modern version of this payment instrument can be considered a corporate bank card. The issuance of such plastic is accompanied by linking the card to your account, on which the credit institution will register all payment transactions, issue statements of turnover and balance, and keep records of funds in the current account.

Collection

A service that is recommended for all businesses that regularly deposit or receive large amounts of funds. The bank will ensure the collection and transportation of cash or any other valuables between organizations, thereby ensuring their safety and security.

Internet banking or mobile banking for legal entities

I’ll say right away that only the most advanced banks provide such services, so don’t be surprised if your credit institution cannot provide you with remote access to your current account.

What should you pay attention to first?

Choosing a bank for cash settlement services is not an easy task. To make it a little easier, I suggest you focus your choice on the following points:

Bank reliability

I’m telling you right away that it’s not worth considering the TOP 30 best state-owned banks. Yes, they are really reliable due to the large number of assets and cash flows within these banks. However, they are clumsy and not flexible enough in terms of document flow and solving non-standard problems. In addition, as a bonus from interacting with these banks, we also receive an extremely picky financial monitoring and currency control department. Considering that freezing our payments out of the blue and demanding a huge list of documents to confirm this or that transfer is a common thing for them, we simply cannot avoid problems at times when payments need to be made quickly.

It is best to give preference to commercial banks with a flexible system and customer focus. Of course, you shouldn’t take your money to some sharashka office, the bank must have a license from the Central Bank of the Russian Federation, but at the same time not strain clients with inappropriately intrusive control, help solve complex and non-standard problems, assigning you a real competent manager It is ideal if the bank also organizes the acceptance of most documents online via the Internet or a mobile bank linked to your cash register.

There is no point in considering the TOP 30 best state-owned banks; it is better to give preference to commercial ones

Subscription fee

The amount of payment for account servicing on the Russian market varies within 500-3000 rubles. It all depends on what package of services is included in this tariff. For example, the availability of 100 free payments per month, reduced commissions or a certain limit without commissions on transfers of funds to the accounts of individuals (simple debit cards), preparation of tax reporting and similar activities. It will be more profitable to cooperate with the bank that, for less money, will offer you the largest number of similar goodies that can save your time, money and nerves.

Cost of payment order

It varies between 15-40 rubles per payment order. The average market value is 23 rubles. In addition, many banks offer their clients a payment transfer service out of turn. Imagine that the banking day at your bank ends at 8 pm local time. This means that all payments on bills will be made strictly before the specified time, and the closer the clock hand gets to the “8” mark, the less chance we have that the payment will be processed before the end of the day. However, for 300 rubles (tariff may vary) we can move ahead in the queue and ensure the transfer of payment within today, discarding other clients for tomorrow. This function works in banks that conduct most transactions manually.

Let's say that your director is leaving on an unscheduled business trip, and he desperately needs per diem or travel allowance right today. Obviously, the money is needed before 9 pm. In this situation, the option with increased priority will be very useful and will eliminate the need to transfer to the employee’s personal bank card.

Commission for withdrawal at the cash desk or by check

Pay attention to the size of the commission: what amount it depends on and at what volumes it decreases or increases. The percentage of commissions on the cash settlement market varies between 0.5-1.5%. There are options of 4-8% of the withdrawal amount, but these are already cash-out schemes. In this case, it all depends on the bank you want to work with and how much you need it.

Strictness of financial monitoring

A very important indicator. Every bank has financial monitoring. You and I should be interested in which of them can turn a blind eye to the partially gray schemes of a legal entity’s work. Even if you work extremely honestly and pay all taxes, I insist that you open accounts in top commercial banks. Be that as it may, giant banks never refuse to redraw documents out of the blue. Therefore it is necessary find the golden mean of bank reliability and its adequacy in relation to clients' financial transactions. I do not recommend opening accounts in little-known or financially unstable banks. Such organizations give the green light to almost all types of activities and cash out everything that moves. Such Robin Hoods live no more than 2-3 years until the Central Bank decides to close their “shop”. Unfortunately, no one guarantees that your working capital will ever return to the accounts of your company after the closure of such a bank.

Accrual on account balance

Many banks now offer a service similar to charging interest on debit card balances. For example, there is an amount of 2,000,000 rubles in your current account. This money is simply collecting dust on the balance sheet, since no movements are expected in the next 1-5 days. This money can be put into internal savings account, where they will be additionally charged 6-9% per annum. This will allow you to roll over the interest and give the money the opportunity to work a little for the benefit of the company, and not just lie on the account as a dead weight. There are often situations when you need to pay suppliers in a week, but the required amount is already in your account. Agree, it would be stupid not to use the money during this downtime.

Operating and payment processing timeframes

This is the time for which payments are made on current accounts in manual mode. In different banks, the terms may differ and vary between 9-20 hours a day. Modern banks offer to make payments for many items automatically. The cooler the bank, the more operations it automates, leaving only the verification of large amounts and foreign currency transactions for manual work.

Internet bank

As with any type of personal account, the main thing here is convenience and time saving for clients. Internet banking allows you to create payment templates, maintain document flow of transactions: sent/signed or awaiting dispatch, in processing, completed, and so on; maintain reports and statistics on completed transactions and amounts. By the way, the Tinkoff and Tochka banks I recommend also have in their arsenal mobile banks for legal entities, which allows you to carry out all transactions on your current account directly from your phone. The most important thing in this case is do not forget about information security. Convenience is convenience, but if you lose or forget your phone, just imagine how much trouble you could get into and how much money you could lose. To prevent scammers from getting to your RKO mobile application, use passwords and secure locking. Talk to your manager and find out what regulations are used in such situations.

Conditions for linking a card

Many banks offer to link a “business card” to cash settlement services. Here you should pay attention to the annual subscription fee, the availability of an ATM network (% for cash withdrawals and monthly withdrawal limits). If this will be more profitable than withdrawing funds by check at the cashier, then why not save your time and use the services of an ATM?

Technical support of the bank and assigning a manager to you

This point is not so important, but it still helps a lot when questions arise for which answers cannot be found in open sources. It’s great if you have a person assigned to you with an internal number or a working mobile phone, who will know who you are and what your work system is. This will solve the problem of endless repetition of the same things on the bank's hotline with constant expectations. Agree, you often have to feel like a parrot when, having explained a problem to an operator, it turns out that this problem is unknown to him, and he is forced to delegate its solution to another specialist. To avoid such unpleasant communication, when opening an account, ask if you can get your manager’s contact information, and then call him to get acquainted and check if you were given the correct number.

Paper question: what documents are needed for RKO?

To open a bank account for individual entrepreneurs, you will need to provide the credit institution with the following package of documents:

• passport;
• an identification number;
• registration number of an individual entrepreneur.

But for legal entities having the status LLC, JSC, PJSC and the like, you will need a thicker package. The credit institution requires from them:

• registration number;
• an identification number;
• Company Charter;
• Order on the appointment of the Director of the enterprise;
• other constituent documents of a legal entity.

You will find more detailed step-by-step instructions on how to open a bank account in my separate article.

Which banks provide the most favorable conditions for cash settlement services?

Remember how we chose a bank where we could apply for profitable deals? Then we went through quite a few credit institutions and reviewed several dozen plastic cards before we were able to find the most suitable option for ourselves. In the case of RKO, the situation is even more complicated. It is not so easy to find a bank that you can completely entrust your money to and allow you to manage the company’s current account. The choice should be based on many factors. I suggest you consider the offers of the two largest banks in the country and decide which one is closest to you.

TKS

Tinkoff, in addition to the SMS alert system, business lending, Internet acquiring and other things, offers a whole two months of free account maintenance and payments. It will be possible to collaborate with the bank remotely through your personal account in the application. The program can be downloaded to a mobile phone or tablet, and you can work with the bank through a browser. In addition, the bank allows you to save time on submitting tax reports, since it independently deals with taxes, fixed contributions and automatically calculates all payments, generates payment orders and reminds you of the need to transfer them. All you have to do is sign the declaration and send it from your personal account.

You can choose one of three tariffs for cash settlement services for your business:

• « Simple 490 rubles per month. The first three payments can be made completely free, and each subsequent payment will cost 49 rubles. To top up your account you will need to pay 299 rubles;
• « Advanced", the cost of which is 990 rubles per month. Within this tariff, you can make 10 payments for free, and all subsequent ones will cost 29 rubles. Unlimited payments will cost customers 990 rubles per month. But for replenishing your account you will have to pay a commission of 99 rubles if the account is topped up at a time with an amount of up to 100 thousand rubles, or 749 rubles if we are talking about an amount in the range of 100-300 thousand;
• « Professional", cost 4990 rubles. Each payment here costs 19 rubles, and purchasing a package of unlimited payments will cost 1990 rubles monthly. Topping up your account costs exactly the same as in the case of “ Advanced» tariff.

Entrust RKO to TKS Bank

Dot

Bank " Dot", which is a branch of the systemically important bank " Opening”, proposes to move the entire account opening process online. Immediately after submitting an application, the entrepreneur is assigned an account number, which can be safely indicated in contracts and transferred to his counterparties. The bank independently notifies the tax office about the opening of an account and informs the client’s partners about the change in details. You can connect to your current account overdraft to insure yourself in the event of a cash gap, accumulated receivables or an increase in turnover. In addition, you can use the services of currency control, acquiring, collection and other lending and insurance services.

Bank offers tariffs for cash settlement services in three categories:

• « Lowcost» with a monthly payment of 7 50 rubles. This tariff plan allows you to make 5 free payments per month and withdraw up to 100 thousand rubles without commission at any ATM. By the way, the ability to withdraw funds automatically solves the problem of how to withdraw money from a current account;
• « Economy» cost 1900 rubles per month– this is an accrual of 7% on the balance in the current account (for those who do not know how to calculate interest, I advise you to read my article “”), 100 free payments per month, the ability to withdraw 200 thousand rubles from the account;
• « Business" behind 7500 rubles per month– 7% per annum on the balance, 500 free payments and as much as 300 thousand rubles, which can be cashed out at any ATM with 0% commission.

Start cooperation with Tochka

Summary

Well, let's summarize? I am sure that after reading this article, you all came to one, common conclusion - today no entrepreneur can exist without cash management services. The advantages of this service are obvious, because the possibility of making non-cash payments helps us make our lives easier, more convenient and more mobile. Even though RKO implies additional costs, such service saves time, since all transactions on the current account can be carried out via a smartphone with Internet access.

I sincerely hope that after reading this review you will cast aside all doubts regarding whether or not to pay for cash settlement services, and begin to save your energy and time by delegating some of the work to the bank. That's all for me. As always, I ask you to share your impressions of cash settlement services in the comments, tell us which banks you order services from and why. In the meantime, I say goodbye, see you soon!

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Cash settlement services provided by a commercial bank to legal entities form the basis of the modern financial system. Such cases when enterprises pay directly are a thing of the past. Now, in some cases, there are even criminal penalties for attempting to commit such actions.

general information

First, let's find out what constitutes cash settlement services for legal entities in a bank. This refers to the range of services that are provided by a financial institution and which are aimed at ensuring timely settlements of the organization with various entities. The procedure for their provision is regulated by the law “On Banks and Banking Activities”, the Civil Code of the Russian Federation and the regulatory framework of the Central Bank of the Russian Federation. Special attention should be paid to the Regulations on non-cash payments and other regulatory documents. An agreement between the client and the financial institution is also required for work. It should be noted that settlement and cash services can be provided to individuals and legal entities, and not just the latter.

Basic RKO services

After the contract has been concluded, the organization must receive a checkbook. It will be needed to receive cash for employee salaries and the needs of the enterprise. There are basic and additional services. The first include:

1. Issuance of account statements containing information about completed transactions.
2. Cashless payments.
3. Operations with funds (the phrase “cash service” can also be used to refer to this).

Basic services are usually free, or a nominal commission is charged for their implementation. To carry out any of the listed operations, you must use a unified form. The bank receives quite a good income for providing additional services. Some institutions have their own characteristics. Let's take Sberbank as an example. This financial institution provides the opportunity to open an account not only in rubles, but also in a number of other foreign currencies.

Legal regulation

We have already considered what laws and regulations act as the basis for relationships. But they regulate only in general and generally. In addition to the legislative framework, an agreement on settlement services is additionally concluded between a legal entity and a bank. There are no restrictions on the form of ownership for entering into such relationships. When all formalities are settled and open, the enterprise can dispose of its funds to conduct any activity, which does not contradict the law. If this process is being carried out for the first time, then special attention must be paid to the conditions for providing the following:

1. Receiving and issuing cash.
2. Ensuring prompt and uninterrupted movement of funds.
3. Possibility of carrying out transactions with currency.

You can connect other services if you wish, but this depends on the desires and needs of the enterprise itself. If we talk about interaction, then two methods are used for these purposes, from which everyone chooses what is convenient for him:

1. Classical. Provides for the transmission of orders personally on paper or through the mediation of a trusted person. Among the negative aspects, it should be noted that it is necessary to spend time traveling to the bank office, so relatively few enterprises use this method.
2. Online banking. In this case, financial management is carried out remotely. Payment orders and requests are transmitted via the Internet. Due to its speed, flexibility and ease of use, this method is widely used by most organizations.

How is the calculation done?

When the bank receives an order from a company (it doesn’t matter in what way, the main thing is that it is confirmed that the document was sent by an authorized person), then it executes it according to the agreement. For this purpose, it is now considered good manners to use BESP. This abbreviation stands for banking electronic urgent payments. Using BESP, transferring money takes minutes. Although, according to the law, payment must be made within three working days. This is done in case of sudden and unexpected events that disable the system. Although such a quick execution of an order may incur an additional fee. And transfers, even using BESP, will take just three business days. If a bank practices such schemes, you need to think about whether to continue to be serviced by this financial institution. Fortunately, there are plenty of worthy competitors. Take, for example, such structures as Alfa Bank, Sberbank, VTB 24. Cash settlement services for legal entities, if the client does not satisfy the client, you can change the financial institution. Remember that we can vote with our wallets.

Acquiring

All enterprises that are located on the cash register of a certain financial institution can, after signing a separate agreement, make it possible to pay for goods without leaving the point of sale. True, in such cases it is necessary not only to take care of the availability of all the necessary equipment, but also to carry out a fairly significant number of control measures in a timely manner (primarily this relates to safety). The same can be said about accepting payments via payment cards on the World Wide Web. In such cases, terminals replace special forms that the buyer must fill out.

Cash transactions

The previously mentioned amount is used for this purpose. The amounts written out with its help are used to finance the economic side of the enterprise’s activities, pay wages and pay off with suppliers. A corporate bank card has recently become a kind of analogue for a checkbook. When registering it, a special account is opened, with the help of which the financial organization keeps a register of all completed transactions and issues statements with the amounts of turnover and cash balances. Let's consider the example of VTB. Cash settlement services for legal entities in terms of wages for employees are carried out by transferring a certain amount of money to a bank card. But this approach is not convenient for some people, since they are used to being clients not of VTB, but of Sberbank. In this case, an accountant can additionally be sent to the bank, who will then receive the necessary amounts using a checkbook. As we can see, there are positive changes, but until the money transfer process is fully automated, certain obstacles often arise. If you have to travel with a significant amount of money, many large financial institutions offer collection services. It is available after the current account and the corresponding additional agreement have been signed.

Opening an account

This service can be either paid or free. It all depends on the bank's policy. But this amount is not prohibitive even for new enterprises - for such pleasure you will have to pay “only” a couple of thousand rubles. A few hundred more must be paid for servicing the current account. Many financial institutions only charge usage fees in months where there is at least one transaction. Certain deviations from the indicated values ​​may occur in cases where a currency account is opened rather than a ruble account. Abroad, accordingly, there are different prices for these services, which vary depending on local specifics.

Interaction with the tax service

This information will be useful to those who are just thinking about opening an account. The fact is that, according to the legislation of the Russian Federation, when opening a current account, a legal entity must report this to the tax service no later than 5 days after the registration has been completed. If you fail to arrive on time, a fine will be imposed. If you don’t want to understand all the nuances yourself, you can entrust all the issues to a company specializing in this. The approximate cost of such a service will be about 2-3 thousand rubles.

Conclusion

You can tell a lot more about how the cash settlement system works, touching on various nuances and aspects. In general, if an entrepreneur or manager has at least a general understanding of cash management services, this will allow him to better understand the affairs of the subordinate company, which is undoubtedly a significant advantage.