Host policy Russian bank is aimed at attracting customers of different status and financial condition. What does Sberbank offer? to corporative clients? The range of offers is huge, but the most popular is Internet banking. Sberbank Business Online was created with the sole purpose of helping small businesses communicate with a banking institution.

This year, the bank has significantly updated the service for legal entities

The Bank has developed a unique system remote service for business. It allows any entrepreneur after registration to carry out a wide range of operations using any browser:

• prepare payment documentation for sending them to the bank;
• track the movement of money on accounts;
• participate in the salary project;
• make various account statements;
• communicate with bank employees in a free form, obtain the necessary information, consult on various issues;
• apply for credit or other banking products, order various services.

Online service strive to maximize the range of services provided to business

The main advantage of the system is that the business owner, accountant does not need to spend work time to visit the bank to carry out the above actions.

Features of servicing legal entities

Sberbank, when offering corporate clients the Sberbank Business Online service system, takes into account all the features of entrepreneurial activity.

What benefits do entrepreneurs get from using the service? They are the following:

• Legal entities have the opportunity to carry out all operations at any time, regardless of the banking institution's work schedule. This allows you to make your business more mobile.
• Electronic exchange documents is carried out using E-invoicing, which allows you to solve your business problems in a secure mode.
• For security purposes, a system for encrypting transmitted information and identifying a client has been introduced. Confirmation of transactions is accompanied by mandatory confirmation using one-time passwords using SMS informing.
• Thanks to SMS messages from the bank, the user will always be able to track the status of any operation - making a payment or refusing it.
• To save time, templates of standard documents have been created.
• To work with counterparties, it is convenient to create your own directories of bank details.
• There is no need to stamp documents.

In addition to the usual banking services customers can receive services such as the creation and maintenance of the site

Instructions for working with the Sberbank system online for corporate clients

An interactive version of the instruction is posted on the website of the financial institution, which has the form of separate modules that take into account all types of operations: entry, creation of a payment instrument, directories, interaction with 1C, connection to salary project and etc..

Login rules

There are two ways to log in. The first is through the Sberbank website, by selecting the "Small Business" or "Corporate Clients" section and clicking the "Login" button to enter the system. As a result, the user authorization page opens, where you need to enter a name and password.

To log in, you must enter a registered username and password

The second way is with a token. To enter using an electronic key, you must:

1. insert the token into the usb port and select the appropriate media;
2. run the file with the EXE extension;
3. enter the account settings and access code in the browser window;
4. click the Sberbank Business Online button;
5. specify the username and password on the user page;
6. click on "Login".

Registration in a personal account

To register, do the following:

1. in the "User" field, indicate the login registered in the system and indicated in the information sheet;
2. in the column "Password" indicate the password sent by SMS;
3. to confirm, click "Login";
4. if you are logging in for the first time, the bank advises changing the bank password to a new user password (it must be changed after 90 days);
5. to save the new password, click "Login";
6. user receives SMS from one-time password, it must be entered for authentication;
7. click "Login" again.

A wide range of diverse services and products enable customers to receive the highest quality service.

System Security Measures

• Keep in closed access from unauthorized persons all data for authorization.
• Do not disclose identification data to unauthorized persons, including bank employees.
• In case of loss or theft of a phone connected to the Internet bank, you must immediately block the SIM card.
• It must be remembered that the banking institution does not make any requests, except for the login, password and confirmation code. The occurrence of other additional requests may indicate fraudulent activities third parties in the form of spyware. Therefore, at the slightest doubt, you should immediately contact the bank employees for advice.
• Never work on the system using computers installed for general use(Internet cafe, post office, clubs).
• Should not be installed mobile app to a smartphone, iPhone, the number of which is already used for SMS informing the system.
• Pay attention to the correctness of the details for transactions that require confirmation by codes.

Basic usage parameters

After registering in the Sberbank system, corporate clients after logging into the system online become available for many actions on payment transactions, as well as the use of various banking services.

Instructions on how to issue an extract for the required period

Here you can also get a statement of all transactions for a specific period. How to do it:

1. enter the main page;
2. select the "Services" section in the menu;
3. then the item "Ruble operations";
4. on the toolbar "Statement of ruble accounts" click on "Statement of ruble accounts for the period";
5. then indicate the period you are interested in;
6. indicate the current account;
7. decide on the form of a printed document (extended with applications or standard);
8. then click on "Print" to receive the document on paper.

There are several options for generating account statements

Exporting an extract from the system to 1C

The system provides for the export of statements. What needs to be done:

1. select the "Additional" section in the menu;
2. further "Exchange 1C";
3. followed by the items "Export" and "Statements on ruble accounts";
4. select accounts for which data will be exported from the system;
5. choose a period;
6. click the "Export" button;
7. a file will be created and saved in the usual way;
8. after specifying the save path, click the "Save" button and the export file will be saved.

The functionality of the service makes it possible to conveniently transfer banking data to accounting programs

Rules for issuing a payment order

To issue a payment order, proceed as follows:

1. go to the main page;
2. select the "Services" section;
3. click on the section "Ruble transactions";
4. in the menu, select the item "Payment orders";
5. a panel will open for filtering and searching for payment orders available in the system;
6. select from the list desired document or create a new one;
7. when creating a new document, a window will open where some data is entered automatically, and some (OKATO, BCC) are entered manually or taken from the list;
8. then the amount, details of the beneficiary bank are indicated;
9. so that there are no errors, the document is checked;
10. after completion of all operations, the status "Created" appears.

Payment order one of the most widely used documents

Connecting a payroll project

One of the services provided by Sberbank of Russia to corporate clients is connection to a payroll project. It is best to connect to the project at the stage of signing a service agreement in Internet banking. If this was not provided for in advance, then you can connect to the salary project later.

To create an electronic registry, you must:

1. go to the "Services" section;
2. select "Salary project" in the menu;
3. then open the "Electronic Register";
4. to create a payroll, the field "Executor" is filled in (chief accountant);
5. then the number of the contract, bank account is indicated;
6. a list of employees is added indicating the personal account, full name, salary;
7. the list is loaded as a separate file;
8. then the accrual period is indicated, the payment order is selected;
9. The document must be checked before saving.

Creating an electronic signature

To create an EDS, you need to open the "Services" tab in the menu. Further, the algorithm of actions is as follows:

1. follow the link "Crypto information exchange";
2. click on the "Request for a new certificate" item;
3. generate a key certificate (3 copies);
4. documents certified by signature and seal in paper form transferred to the bank;
5. the electronic signature is registered in the bank, about which the user receives an SMS message.

Working with an account

During operation, situations may arise that require changes to the account. Let's take a look at the most common ones.

Change Password

According to the regulations developed by Sberbank, for corporate clients to enter the Business system Online Sberbank It is recommended to change the password periodically. It must be replaced after 90 days. The user is informed in advance about the date of changing the password. If the password was lost (forgotten) before its expiration date, then for further authorization, you need to contact the branch. You will need to write a statement about the loss of the password, after which a new identifier will be issued.

Making changes to data

When using the Sberbank Online system, situations may arise when corporate clients need to make changes to their account. This happens if there have been changes in the management of the company, and new people have become users of the system. Therefore, registration of new user accounts is required. An application is submitted to the bank for data correction in order to register certificates for EDS. They are signed by new users and certified by the seal of the company. When changes are made in the account and registration of the electronic signature, an SMS with a new password for entering and a message about the registration of a new EDS will come from the bank.

Actions when an account is blocked

If the message " Account blocked", then to remove the blocking of the account, you need to inform the bank. After writing the corresponding application, the client is sent an SMS message with a new password.

Changing the phone number for SMS informing

When signing a service agreement, a corporate client indicates a phone number for SMS informing about transactions carried out on his accounts. In case of loss or theft of the phone, you must immediately contact the bank branch and write an application for the replacement of the phone number and specify it. In the future, messages with codes will be sent to it.

Lending to corporate clients

The Sberbank website has many credit programs for corporate clients. The new version of Internet banking has a built-in Credit Constructor service, which greatly simplifies the lending procedure. It includes 3 stages:

• Selection of a loan product based on a pre-approved offer (the bank offers certain conditions for the amount, terms, repayment schedule and rate for a particular entrepreneur).
• The client studies all the information about rates, collateral, additional commissions. At this stage, the user can "design" his loan, but he can only change the terms and the amount of the limit in the conditions. After that, the user agrees to new conditions.
• The last stage is the execution of an electronic application, the signing of documentation.

Thanks to this service, an entrepreneur not only gets the opportunity to form a loan with optimal parameters based on the bank’s offer, but also not to waste time searching for the right one. loan offer, paperwork.

The personal offer is stored in the system for 90 days.

Product maintenance cost

The cost of servicing in the Sberbank Business Online system for corporate clients depends on whether they have a bank account or not. If it is available, connection to the system is free, if it is not available, you must pay 960 rubles. Monthly maintenance in the first case is also free, in the other it is 650 rubles. Upon connection, an electronic key is issued - 1700 rubles. (standard), 2150 rubles. (touch), 3990 rub. (with screen). For providing information on account transactions, the organization pays 199 rubles. per month.

Provided Additional services. their monthly cost.

For many years, one of the main priorities of the work of Sberbank of Russia has rightfully been considered to be a professional comprehensive service for corporate clients (both the SME sector and large businesses) of the most different types and industries.

For many years, one of the main priorities of the work of Sberbank of Russia has rightfully been considered to be a professional comprehensive service for corporate clients (both the SME sector and large businesses) of various types and industries. Today, Sberbank provides customers with a fairly wide range of banking services:

• Numerous deposit programs
• Lending to corporate clients
• Operations with documents of different types
• Operative settlement and cash services
• Carrying out operations with securities
• Service with corporate cards
• Implementation of convenient payroll projects
• Financing various projects etc.

The practice of working with Sberbank demonstrates the many advantages of using corporate programs, an individual approach to work, and great potential for development.

Sberbank for corporate clients online

The most popular and comfortable Internet system for remote work with individual entrepreneurs and legal entities today is Sberbank Business Online. With the help of this Internet project, each corporate client of the bank has the opportunity to generate and send the necessary payment documentation, constantly monitor the movement Money on active accounts of the company, use all possible banking services. Service via the Internet provides not only maximum comfort in cooperation with the bank, but also allows you to significantly save your own time.

Sberbank Business Online for corporate clients

Connecting the Sberbank Business Online service does not require serious efforts. It is enough just to visit a bank branch once in order to conclude an Internet service agreement. This procedure takes about half an hour if you collect all the necessary documentation for registration in the system in advance (the list of documents is available on the official website of the bank). Software for working with Sberbank Business Online is also not required: all operations here will be carried out in a special bank interface. The work is carried out using a browser convenient for you.

Sberbank Online: corporate clients - entrance

Login to the Sberbank Business Online system is carried out using the url-address -. The system itself guarantees the absolute security of all individual data of each client, which makes it possible to exclude the possibility of third parties using your organization's internal information. To log in, you just need to enter a username and an individual password. The login will be provided to you by the bank on an individual basis in a special information sheet, which is transferred to the client after the conclusion of the contract. You will receive the first password in an SMS message. After the first login, each client is given the opportunity to replace the secret code with an individual one.

RKO in Sberbank (Settlement and cash services)

Sberbank of Russia offers three options settlement and cash services: "Basis", "Active" and "Optima". Each of them includes services for maintaining a ruble account, a monthly fee for using the Sberbank Business Online system, services for receiving and issuing cash, providing certificates and duplicate statements. The scope of services depends on the chosen program and ranges from 2200 to 3100 rubles. per month. Buyers of each of the packages are given a 50% discount on the issuance of a checkbook. To switch to service at Sberbank, you need to open an account, draw up a service agreement and write an application.

Sberbank collection

The Bank offers the following types of collection services: delivery of banknotes from the Bank of Russia, withdrawal from self-service devices, transportation of money between structural divisions, maintenance of automatic safes. The advantages of cash collection in Sberbank are: an extensive network of bank offices, service at a convenient time, the ability to order money with a breakdown, transportation of large amounts, armored vehicles, reliable control over the collection process, the presence of military small arms among employees, individual calculation of tariffs depending on the volume transported amounts.

Sberbank acquiring

Sberbank of Russia provides a service to business representatives for receiving bank cards(acquiring). It allows you to attract new customers who are used to paying with cards, increase the average size purchases and provide the opportunity to buy goods on credit credit cards. Also, acquiring eliminates the need to check the authenticity of banknotes, reduces cash at the cash desk, speeds up customer service, reduces collection costs, etc. To receive the acquiring service, you need to write an application to the nearest branch of the bank and conclude an agreement. Then representatives of Sberbank will install the necessary equipment and train the employees of your organization.

Sberbank remote service

Business representatives can receive banking services remotely. Service is carried out using the Sberbank Business Online systems, the mobile application of the same name and the E-invoicing electronic document management system. Their use reduces the cost of processing and storing paper information, allows real-time tracking of payment documents, accessing an account from anywhere in the world, managing an account by several users, etc. To connect to the services, you need to sign a service agreement at the nearest bank branch.

useful links

1. Section of the Sberbank website dedicated to corporate services -
2. Settlement and cash services - .

Corporate clients of Sberbank can also access remote maintenance services. For example, today the Sberbank Corporation system is popular, which, in general terms, allows you to work remotely with accounts opened both in Sberbank and in other financial institutions.

Main functions of the Sberbank Corporation system

There are several important functions that the Sberbank Corporation system supports:
— Creation of payment orders for the accounts of holding divisions;
— Obtaining detailed information on the accounts of subsidiaries and branches;
— Acceptance of payment orders of branches and subsidiaries;
— Consolidation of data on the movement of funds;
— Distribution of limits and balances;
— Creation and saving of templates;
— Monitoring of budget execution and its multi-level control.

Advantages of the Sberbank Corporation system

This system has several advantages that I would like to note. For example, you can work in it both on a computer and through a special mobile application of the same name. It is currently out for the iPad.

The service also operates 24 hours a day, 7 days a week. No fees are charged for various transactions. And for reliable and full-fledged work, only an Internet connection is required.

In 2016, Sberbank invested resources in the development of the segment, developed effective tools and relevant products and services for corporate clients.

In 2016, we took another big step in moving our business to remote and digital channels. Our task is to create the most convenient services for our clients for conducting paperless and cashless business, allowing them to quickly and reliably carry out all the necessary operations. The transition of customers to digital channels also has a positive effect on our own efficiency. Due to the fact that 99% of payments for legal entities are made through Sberbank Business Online, in 2016 we were able to reduce the number of Sberbank corporate offices in the country by a thousand without any serious consequences.

Maxim Poletaev First Deputy Chairman of the Board

Quality of service

Sberbank pays great attention to the level of satisfaction and loyalty of corporate clients.

68 points TRIM index at the end of 2016

In 2016, the TRIM index increased by 1 point compared to the previous year, to 68, primarily due to an increase in the level of satisfaction among customers of large and medium-sized businesses. Estimates of small and micro business clients are stable relative to the previous year.

CSI scores have improved significantly across most products and channels. The largest growth occurred in the opening of a current account - by 3%, the implementation of settlement transactions - by 5% and Sberbank Business Online - by 7%.

The number of requests per 1,000 active clients by the end of the year was 10.2. Sberbank carefully analyzes problem areas in communication with customers and eliminates them. Thus, as a result of mass requests for the Self-collection service, Sberbank began to introduce automated system"Sirius", which will allow you to resolve customer issues according to a simplified scheme within an hour.

Sberbank is modernizing its claims service and is working with negative customer reviews based on the results of marketing research. A pilot was conducted with the corporate client support service on compliance procedures, which allowed to increase the response of clients to compliance requests by three times.

Online lending in one day

In order to improve the quality of customer service and customer satisfaction, Sberbank began to consider applications and provide loans remotely online, which reduces the loan term to one day.

Credit document flow in remote service channels

With the development of remote service channels, the process of providing documents for reviewing credit transactions and concluding loan and security documentation has been transferred to electronic form. Thus, communication between Sberbank and the client has become much more convenient.

Transactional business

The development of remote customer service channels makes the main services of Sberbank mobile and remote, and therefore more comfortable for the client, as evidenced by the statistics of Sberbank Business Online users:

99 % payments are made through Sberbank Business Online

• 1.4 million customers make transactions in this system;
• by the end of 2016, 99% of payments were made through Sberbank Business Online Online or its mobile app.

Today, 33% of all corporate customer payments in Russia go through Sberbank. Since the beginning of 2016, customers making settlements within Sberbank have had the opportunity to settle with counterparties in the 17 × 7 mode, in the fourth quarter of 2016 - in the 20 × 7 mode, including on holidays. Currently, more than 1 million customers make payments outside of business hours. In total, 9.4 million transactions were carried out in 2016, the share of transactions during non-operational hours reached 11%. Work to increase the availability of the service to 24 × 7 mode continues.

In July, a new online service was launched: remote opening of the second and subsequent settlement accounts. Now the client can open these accounts through Sberbank Business Online without visiting the Sberbank office and immediately use them for settlements.

In 2016, Sberbank implemented solutions that meet the needs of specific clients in large and medium-sized businesses and CIB clients. Thus, in order to secure a transaction for the acquisition of a company and repayment of a loan, a new product "Escrow Account" was developed - an account for the escrow of funds with the use of certain conditions upon the occurrence of certain conditions. Another solution was proposed, aimed at supporting large infrastructure construction, and called the Collateral Account: the client was provided with security for the transaction in the form of a pledge of rights under a pledge account agreement.

№ 1 in Russia in terms of foreign economic activity

Sberbank is actively working to develop products for clients participating in foreign economic activity. Sberbank ranks first in terms of foreign economic activity in Russia, provides customer service across a wide range of products and makes settlements in more than 130 countries in 18 currencies.

In September, Sberbank offered a new service, Customs Payments and Services, which enables customers to pay customs duties on their own or using a brokerage scheme, as well as electronically declare goods. The service is completely remote, connected remotely through Sberbank Business Online. Its key advantage for clients is cost reduction and the ability to make payments to the Federal Customs Service of Russia online without reserving funds on the account. This service has no analogues in the banking services market.

In October, a new product "Nominal Account" was launched to account for the funds of third parties - beneficiaries for the subsidiary company "Real Estate Center from Sberbank". The service is an alternative to safe deposit boxes in real estate transactions. The use of an account increases the reliability of the transfer of funds between participants in transactions, increases the amount of funds raised by the bank and reduces the amount of cash transferred between participants in transactions.

In 2015, Sberbank introduced an automated process for paying out insurance indemnities to depositors – individual entrepreneurs of bankrupt banks from the fund of the Deposit Insurance Agency, and from the beginning of 2016 started making such payments. Of the 17 thousand depositors of 29 bankrupt banks, 7.4 thousand applied to Sberbank. individual entrepreneurs.

During 2016, the number of cash transactions at banking service points was systematically reduced due to the promotion of corporate cards and development of self-collection service - cash deposit through self-service devices without using a card. As a result, over the year, the number of cash transactions at banking service outlets has halved.

39 % Sberbank's share in the corporate card market

Sberbank's share in the corporate card market has increased by 9 percentage points since the beginning of the year and amounted to 39%. The number of cards doubled over the year, to 607,000. Since 2016, Sberbank has been offering a new service – the issuance of corporate cards to a current account. Now the client, through the Sberbank Business Online system, without contacting the Sberbank office, issues a card to an existing current account and fully manages its life cycle: changes the holder's data, manages the spending limits of the card. By new technology mass pre-release by the beginning of 2017, more than 326 thousand such cards were issued.

The popularity of the "Self-collection" service is growing, which allows you to replenish the company's current account through a self-service device. You can use the service regardless of the place of registration of the company in any self-service device with the function of accepting cash. The number of such devices across the country is 55,500. More than 400,000 corporate clients of Sberbank donate their earnings using this service. The volume of transactions for the service increased by 17% over the year and amounted to 61.6 billion rubles.

The number of transactions on the service has grown to 1.5 million per month. At the beginning of 2017, Sberbank launched a pilot project to provide the Self-collection service using the Sberbank Business Online, Sberbank Business and Sirius systems.

20 % Sberbank's share in the collection services market

In 2016, Sberbank reduced its market share in cash collection services by 2 p.p. to 20%. The volume of collected proceeds amounted to 5.8 trillion rubles.

The electronic document flow E-invoicing between Sberbank and customers for the provision of invoices for bank services and certificates has become even more popular and in demand: the share of electronic invoices has grown from 60% to 89%. Since the end of 2016, the Reliable Partner service has become available to customers. It is part of the Sberbank Business Online system and is included in the E-invoicing product. This service accumulates data from open sources in a single information window and allows the user to check the relevance and reliability of information about his business partners, evaluate them financial condition and trustworthiness.

Over many years of operation, Sberbank has developed a number of key priorities in the field of settlement and financial support for corporate clients in all areas of their activity. Comprehensive cash and settlement services are received by both small business entrepreneurs and corporate clients.

Sberbank Business Online for corporate clients made it possible to create a wide range of banking services, namely:

• settlement and cash services;
• deposit and salary projects;
• operations with securities;
• lending programs;
• service of corporate cards.

Service functions and registration

The most popular today is remote work with entrepreneurs of various levels in the system.

Thanks to this project, every businessman gets the opportunity to remotely track the movement cash flows, send and receive the necessary payment documentation via the Internet, fully use all the products of the bank.

In addition to comfortable service, the use of the Internet service significantly saves customers' time when visiting bank branches. The procedure for providing an online service is quite simple:

• visit the bank office;
• provide the optimal package of documents;
• conclude an Internet service agreement;
• get the necessary information for authorization and entering the personal interface.

Registration in the system Sberbank Business Online will take no more than one hour.

Sberbank Business Online for small businesses

For small businesses, the main bank of Russia provides a convenient service for remote financial management, exchange of information and documents in electronic format. Online system from Sberbank is a universal interactive cabinet for interaction with small businesses.

Using Internet banking helps:

• to carry out all types of monetary transactions;
• pay taxes and other fees;
• exchange, process and create electronic documents;
• export and import accounting documentation in the 1C program;
• certify papers with an electronic signature;
• order and receive account statements;
• generate a schematic analysis of unprofitable transactions and receipts.

Internet banking tools for legal entities

An important feature of the Internet business system is its mobility, as well as the ability to work in any convenient place. The service is available for use around the clock.

The security of personal data is ensured by a unique coding system.

The personal account is simple and clear to any user. Functionality interface, equipped with various tips, allow even an inexperienced client to understand the principle of operation of all options.

Tariffs for using Sberbank Business Online

• Payment for connection to the Sberbank Business Online system for legal entities is 960 rubles.
• For servicing the service, a subscription fee of 650 rubles / month is debited from the account.

Using the service implies several more paid services provided at the request of the client:

• connection and configuration of an individual cryptographic package, including training of individual employees. A single maintenance package costs 3300 rubles. ;
• equipping the program with cryptographic protection - from 990 to 3990 rubles / unit. ;
• connection with a service that provides electronic document management, with a built-in "Reporting" function - 295 rubles / month. .

Authorization in the program

The Sberbank resource contains sections for both categories of customers: "Small business" and "Corporate clients". For more detailed information on the information provided, click the "Login" button to the right of the relevant section.

On the page that opens, enter the password-identifier 9443iс. This will allow you to enter Personal Area. For a convenient entry, create a tab with a link to the Internet client sbi.sberbank.ru:9443/ic.

The identification password for subsequent entry into the interface must be updated periodically at the request of the bank. Such a password change policy is provided for reliable protection of the transmitted information.

To confirm the entry into your personal account, the bank offers corporate clients two ways to choose from:

• using one-time SMS passwords;
• with an electronic key.

Conclusions about the use of the service

Using Sberbank Business Online allows business representatives to remotely receive banking products in full. At the same time, spend a minimum of time and money on processing and storing financial information.

In case of problems with the service, corporate clients can always get qualified advice. It is enough to contact the unified reference service of Sberbank at 8 800 555 55 50.