For individual entrepreneurs, opening a bank account is not mandatory. Some entrepreneurs who are at the initial stage of commercial activity still do not use a bank account for their business, although the benefits of this for individual entrepreneurs are quite obvious. By opening a bank account, you get into your hands a powerful financial and economic tool that dramatically enhances your opportunities for further business development.
Rosselkhozbank was created in 2000 as financial institution, intended primarily to provide full support to the Russian agro-industrial complex.
This direction still occupies an important place in financial policy jar. And today Rosselkhozbank helps agricultural enterprises, for example, by providing farms(peasant farms) the lowest loan interest rates.
At the same time, Rosselkhozbank has a wide client base consisting of legal and individuals engaged in business activities that are very far from agriculture.
Rosselkhozbank ranks second in Russia in terms of the number of open branches: as of the beginning of 2018, there were about 80 branches and about 1.2 thousand offices in the regions of the country
Currently, Rosselkhozbank's clientele includes individual entrepreneurs, who are attracted here by a wide range of opportunities. The main advantages of opening a current account with Rosselkhozbank include the following:
RSHB is one of the ten largest banks in Russia. Opening an account with this bank allows individual entrepreneurs to find quality services at reasonable prices. The main features of Rosselkhozbank include the opportunity to receive the most favorable conditions for beginners individual entrepreneurs.
Businessmen consider additional advantages of having an account with the Russian Agricultural Bank:
Rosselkhozbank provides individual entrepreneurs with the highest level of remote control business
The package of documents required to open a current account in the Russian Agricultural Bank is practically no different from a similar list of documents for opening an account in other banks. This package includes the following papers:
It should be noted that, unlike most other banks, this list does not include an extract from the Unified State Register of Individual Entrepreneurs, the order of which requires a certain amount of time and effort.
Documents submitted to the bank to open a current account must be drawn up in accordance with business norms
To fill out the information sheet, a businessman must prepare in advance data reflecting his entrepreneurial activity. This includes the following items:
You can open an account with Rosselkhozbank by contacting the bank directly or online.
In case of a personal visit to a bank branch, it is necessary to fill out an information sheet containing basic information about the entrepreneur. After filling out this sheet with the help of a bank employee, the businessman notes the banking services he needs and chooses the tariff at which he will subsequently work with the bank.
The convenience and ease of opening an online current account with Rosselkhozbank is one of the features of the financial institution. In this case, the individual entrepreneur begins his acquaintance with the bank on its website located at http://www.rshb.ru. Here you can familiarize yourself with all the conditions for opening an account and existing bank tariffs, select suitable option and send the specified papers to the bank. The time it takes to study documents sent to the bank is usually 3–5 days. After reading the documents credit organisation
Cost of opening a current account and service tariffs IN general case
The cost of opening a current account at Rosselkhozbank depends on the location of the specific branch. In 2018 for Moscow and St. Petersburg it is 5,144 rubles. and 5244 rubles respectively. In other cities of Russia, the cost of opening an account for an individual entrepreneur ranges from 4944 rubles. in Arkhangelsk up to 5262 rubles. in Veliky Novgorod.
The average cost of opening an account for an individual entrepreneur in the TOP of one hundred Russian banks is 3,644 rubles. Obviously, the cost of opening an account with Rosselkhozbank is higher than average.
The account is opened within the framework of a special fund or project. There is a monthly fee for maintaining a current account. Its size varies depending on the location of the branch. They charge the least for account servicing in Arkhangelsk - 850 rubles, and the most in Ivanovo and St. Petersburg - 1,500 rubles. And here service at Rosselkhozbank costs a large amount
However, in some cases, services for servicing a current account in Rosselkhozbank for individual entrepreneurs are provided free of charge:
An individual entrepreneur also does not have to pay to close an account. The closing procedure is usually completed over a period of 3 to 5 days.
The cost of transactions at Rosselkhozbank ranges from 30 to 40 rubles, with the average for the TOP of one hundred Russian banks being 26.7 rubles.
But it will be more profitable for a businessman to withdraw cash from his account at Rosselkhozbank than at other Russian banks. For this operation, the individual entrepreneur will leave in the bank from 1.2 to 1.4% at average 1.8% for TOP of one hundred Russian banks. For farms, cash withdrawals are carried out without bank commission.
True, the bank’s lowest commission is indicated here, which is charged when withdrawing cash in the amount of up to 800 thousand rubles. If an entrepreneur wants to withdraw from 800 thousand rubles within a month. up to 3 million rubles, then the bank interest will be 4.5%, when withdrawing from 3 to 5 million rubles. – 5.5%, and when selecting an amount over 5 million rubles. - 10%.
Other tariffs for servicing cash register services for individual entrepreneurs depend on specific conditions. If we take the average values, then for individual services they are as follows:
Rosselkhozbank is characterized by a very high quality remote financial management service.
Service number | Name of service | Tariff, rub. |
1.1.1. | Installation and configuration of software, restoration of the current functionality of the remote banking system with a visit to the client (for Moscow and the Moscow region) | 2000–3000 |
7.2.1. | Transfer of a client from the RBS system "Bank- Client"/"Internet Client" per system RBS "Internet-Client" / "Bank-Client" (according to client's request) | 100 |
7.2.2. | Transferring a client to a new version of the system RBS with software provision software and key media, containing signing key certificates, released on special authorized persons of the client | For free |
7.3.1. | Maintenance of the RBS system "Bank-Client", "Internet Client" | 450 per month 350 per month |
7.3.2. | Maintenance of the remote banking system when more than one client connects to one automated worker place of the RBS system "Bank-Client" | 350 per client per month |
7.3.3. | Maintenance of the remote banking system when installing several for one client automated workstations RBS systems "Bank-Client" | 350 per month for each automated workplace, but not more than 1500 per client |
Rosselkhozbank is one of the largest state-owned banks in Russia, providing services for opening a current account and servicing it for individual entrepreneurs. The procedure for opening a current account in this bank and the scope of services provided, although they are standard for Russian credit institutions, have their own characteristics.
Opening a current account for individual entrepreneurs at Rosselkhozbank is a choice for companies that need tools for conducting various banking operations. What are the benefits of r/s?
It is important to always choose reliable bank to open an account. So you can be sure that you will receive full list opportunities, operations will begin to proceed without problems, funds will be credited promptly.
RSHB is one of the largest banks. It was created in 2000 and is constantly developing and gaining popularity. What are the advantages of this institution?
RSHB is one of the state banks. As statistics show, some of the largest institutions belong to the Russian Federation, the Government has controlling stake shares Due to this, stability can be guaranteed even in a difficult economic situation.
Why is it worth opening a current account for individual entrepreneurs at Rosselkhozbank? Let's list the advantages:
What disadvantages can be noted?
As a result, RSHB can be called a good option for creating a current account. But there are also nuances, which specialists try to eliminate in order to ensure the most comfortable interaction with clients.
What tariffs are in effect in 2019?
Tariffs from RSHB are attractive if you study the conditions from various institutions. You will be able to enter into fruitful cooperation with the bank and create a settlement account for full-fledged business.
For individual entrepreneurs, the following package of documents will be required:
Attention! Requirements for the package of documents may change over time, it all depends on the conditions of the bank and legislation. Therefore, it is necessary to further clarify the list mandatory papers to provide to employees.
There are two ways to create an account:
Let's consider the first method - going to the department. How is the procedure done?
Many entrepreneurs do not have time to visit a branch in person. But you can open a current account for individual entrepreneurs online at Rosselkhozbank. The option has a number of advantages:
How to perform the operation?
The specialist will tell you about all the nuances and provide information of interest. He will select a time convenient for you to visit the office. You need to prepare a package of documents and come to sign the contract.
The procedure cannot be completed completely remotely. The institution must check all documents and sign an agreement with the individual entrepreneur. Therefore, in any case, the entrepreneur will have to set aside time to visit the office.
There is a special mobile app, allowing you to access quick account management. Benefits of the program:
How to prepare an application for use?
Rosselkhozbank has been operating since 2000. Then it was created to support the country’s agro-industrial complex, but today it provides universal banking services for individuals and legal entities. The latter can open a current account with Rosselkhozbank on favorable terms.
For peasant farms, obtaining credit lines against low interest- one of the advantages of servicing in this bank. Financing the agro-industrial complex is the most important task for Rosselkhozbank. 100% of the bank's voting shares belong to the state, which makes it one of the most reliable for clients.
Service at Rosselkhozbank includes the following amenities for its clients:
Despite the obvious advantages, the bank has some nuances:
The cost of services at the bank is carried out at a single tariff. There are no ready-made service packages for clients. How much it costs to open an account and what are the fees for maintaining it, you can see in the table.
Bank operation | Cost in rubles |
Opening an account | 2500 |
Account management | 2000 |
Remote account management | 750 |
Maintaining an account in the absence of transactions for a month | 0 |
Transfer of funds to an account opened with Rosselkhozbank | from 6 rubles per payment order |
Transfer to an account opened in another bank | from 30 rubles per payment document |
Issuing cash to legal entities for salaries | 0.5% of the amount, minimum 250 rubles |
Cash issuance for individual entrepreneurs up to 600,000 rubles | 1.2% of withdrawal amount |
Depositing cash into your account | 0.3% of the amount, minimum 150 rubles |
Withdrawals for various purposes, for example for an LLC, are charged only by amount. How more money you plan to cash out, the higher the commission will be. Moreover, if funds are withdrawn without a preliminary application, the interest will be 0.5% greater value specified in the tariff.
Tariffs for search, withdrawal of payments, as well as registration settlement document have a fixed value for each operation. If you transferred funds to an account opened with Rosselkhozbank, then the search for the payment is free of charge.
To open an account, any organization, including LLC, will need to provide a bank employee with the following documents:
To connect an individual entrepreneur to a cash settlement system in Rosselkhozbank, you will need to prepare a package of papers:
Opening an account with Rosselkhozbank can be done in two ways:
When contacting a branch of Rosselkhozbank, the sequence of actions to open an account will look like this:
An application for opening online is submitted as follows:
When servicing Rosselkhozbank, you have the right to choose Additional services to run your own business. Among these, the bank provides:
Rosselkhozbank current account- a profitable solution for business representatives who plan to save money on opening and maintaining an account while receiving high-quality services.
Rosselkhozbank is among the TOP 10 largest banks in the country. Over 16 years of operation, the credit institution has expanded the range of services, improved the quality of service and reduced tariffs for clients to a minimum. Another advantage is that 100% of the institution’s shares are owned by the state.
Various categories of clients can open an account with Rosselkhozbank:
The range of bank services is really wide:
When opening a current account with Rosselkhozbank, the client has the right to count on the following services:
In the process of cooperation, the credit institution takes into account the following forms of orders:
The validity period of the issued instruction is limited and is no more than ten days.
Thanks to a responsible approach, favorable tariffs and a high level of service, the bank is gradually strengthening its position and respect (including among potential clients).
The main advantage is the focus on beginning entrepreneurs and the provision of favorable conditions:
Other tariffs:
Rosselkhozbank is included in the list of the 30 largest Russian banks as of 2016. This National Bank, created in the spring of 2000, providing a wide range of services to the population.
Although its main activity is servicing the agro-industrial production sector, financial institution successfully cooperates with business clients.
You contacted the department within three months after closing an account opened in another branch of the bank? In this case, you can count on opening an account account for free. Similar benefits are provided to other clients.
In other cases, a current account is opened after payment of a commission fee in the amount of 2,500 rubles.
The advantages of servicing at Rosselkhozbank include:
Currently the service remote maintenance underdeveloped. Electronic services may function intermittently, but the bank is committed to correcting these shortcomings.
Clients who have opened a bank account with Rosselkhozbank can order additional services and options. We are talking about obtaining a loan for a business, making a deposit, connecting currency control, trade acquiring, etc.
Currently, all bank clients are served at a single rate. from Rosselkhozbank for legal entities and private entrepreneurs are often established on a personal basis, because separate categories individuals are entitled to certain benefits.
Listed below are the main characteristics of the account service opened at the bank, which you should familiarize yourself with before submitting your application.
Tariff plan characteristics | Cost of service or option |
Registration of account | 2,500 rubles (in some cases – free) |
Account maintenance | 2,000 rubles monthly |
Maintaining accounts when using the RBS system | 750 rubles monthly |
Servicing a bank account during bankruptcy proceedings | 1,000 rubles per month |
Maintaining an account in the absence of transactions | for free |
Transfer of money to an account opened with Rosselkhozbank | from 6 rubles per operation |
Transferring money to third party bank | from 30 rubles per operation |
Reception payment orders for collection | from 50 rubles per document |
Registration of a payment document | 150 rubles for each |
Closing an account | for free |
Opening a bank account in foreign currency is usually accompanied by payment of a fee of 70 American dollars.
The cost of service ranges from 7 to 27 dollars, while free account maintenance is acceptable (for example, if there are no transactions during a calendar month).
You can submit an application at any bank office or remotely through the website. In the latter case, online application for a current account in Rosselkhozbank discussed in as soon as possible.
The following information is indicated in the electronic form:
You can open a current account with Rosselkhozbank for LLCs and individual entrepreneurs after submitting certain documentation to the office and signing the corresponding agreement. It is recommended to clarify the terms of service in advance with bank employees by phone or directly during a personal visit to the branch.
To get the required banking services the client will need to prepare a voluminous set of documentation. Individual entrepreneurs must have a passport, TIN, a letter with statistics codes from Rosstat, an extract from the Unified State Register of Individual Entrepreneurs, information about business reputation, a card with sample signatures and seal impressions.
Legal entities undertake to prepare:
If necessary, the list of documentation indicated above can be supplemented at the request of the manager. Before contacting the department, please call 8-800-100-0-100 to find out what documents are requested in your case.
In the office, the client must fill out forms according to the bank’s form before signing the relevant agreement, for example, an application for registration of an account.
Kirill, Lipetsk
I like the cash settlement services for individual entrepreneurs at Rosselkhozbank. Subscription fees are low and payments are made quickly. But the Internet bank periodically works intermittently. I called the support service and they said that the problems were temporary and would be resolved soon. I will hope! Otherwise there are no complaints.
Gleb, Yakutsk
Glad to be a client of Rosselkhozbank! Good quality of service, low commissions, no hidden fees, prompt transfer of money to counterparties. The work of the support service deserves special attention. Any question can be resolved by phone, regardless of the time of day.
Polina, Volgograd
Indeed, you can open a business account at Rosselkhozbank very quickly! Although it required a lot of paperwork, the process did not take as long as I expected. I was also pleased that I was consulted in detail in the office on all issues and advised on what additional services I could connect to develop my business.
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