Hello! Today we’ll talk about merchant acquiring and bank tariffs. We will also tell you what it is, how it works, how to connect, etc. To do this, we contacted bank specialists and prepared for you banking offers with the most favorable conditions to date. In addition, you will learn about the pros and cons of this service for your business.
The most convenient form of payment today is a bank card. Increasingly, in hotels, shops, restaurants and other companies, instead of the usual banknotes, people hand over a plastic card to pay for services. In this regard, the number of companies that introduce trade acquiring is increasing every day. Not only major players on the market, but even private entrepreneurs understand that we are talking about the fight for customers!
There are 3 types of acquiring:
The latter will be discussed in today’s article.
Trade acquiring – This banking service, which allows all sales representatives to accept bank cards instead of cash when paying for goods and services using a special terminal. You will learn in detail how to obtain this service in this article.
Besides general definition non-cash payment, trade acquiring has another side. In fact, this type of service implies the provision by a banking organization of special equipment, as well as settlement, technological and information services. Any company that accepts payments can use the service. bank cards from any of the known payment systems.
Subjects this process are:
Sometimes, between the store (seller of goods/services) and the bank there is added processing company. Large banks, as a rule, have their own processing center.
In general, the task of a processing company is to install and register acquiring equipment, as well as process and store information on all operations passing through the terminal.
The presented service is due to a huge number of advantages that are relevant both for large trading companies and for private entrepreneurs. Thanks to this, acquiring is now only gaining momentum.
By connecting to merchant acquiring, you receive:
Consider the most profitable terms merchant acquiring and compare tariffs of leading banks.
Important! To work with merchant acquiring, you first need (this article provides Better conditions banks for opening a current account and we will now look at some banks for trade acquiring).
Transaction fee is 2.5%.
The cost of connection, including equipment (terminal) - from 12,000 rubles.
It is possible to work with a current account of another bank.
Trading terminal - provided as a property! It is possible to purchase it on credit at a rate of 16% of the cost of the terminal. Delivery within 5-7 working days after payment. All equipment settings for your business are made by bank representatives. All you have to do is turn on the terminal and start accepting payments.
More detailed information about merchant acquiring in Modulbank you can find at bank website.
An excellent bank for entrepreneurs and ONLY for entrepreneurs!
To sign up for the service, the client does not need to go anywhere, just log into the Internet bank and sign a pre-prepared agreement there. No need to pay any additional payments and security deposit. You can receive money into your account the very next business day. There is no need to buy a terminal: it can be rented for a year, and then it will remain the client’s property.
More detailed information about merchant acquiring in Tochka can be found at bank website.
Transaction fee - from 1.9 – 2.2%
Monthly fee for using electronic terminals: from 190 to 990 rubles. for 1 terminal.
The cost of connecting and registering the terminal is from 490 rubles. up to 29,990 rub. per terminal.
All numbers depend on your turnover. The higher the turnover, the more profitable your tariff.
Here are more details about tariffs for trade acquiring from Raiffeisenbank:
Transaction fee:
— turnover up to 100,000 rubles. per month for 1 terminal 2.7%;
— turnover from 100,001 to 150,000 rubles. per month per 1 terminal 2.2%
— turnover from 150,001 rub. per month per 1 terminal 1.6%
Terminal Maintenance- from 0 to 1000 rub. per month. (depending on the tariff)
Details at VTB official website.
Terminal price:
Here are more details about the tariffs for VTB 24 merchant acquiring:
This is the most mysterious bank of all existing ones. We called, wrote, asked and received no answers. The answer from the employees is always the same: “Come to the bank branch and an employee will calculate the conditions for you individually.” They don’t even say the commission percentage from start to finish.
But we spent a long time digging on the Internet and from other sources we managed to find out the approximate tariffs for Sberbank merchant acquiring.
Details at official website of Sberbank.
Necessarily:
Transaction fee- depends on turnover.
But reviews on the Internet about Sberbank’s merchant acquiring indicate that this is not the limit of the commission. At low speeds there were cases where the percentage increased to 3.4% and even 4%. Moreover. If you do not agree with the increase in interest, then they will quickly come to you and take away the terminal.
If everything is stable with your turnover, then as a rule interest rate, as indicated 1.8 - 2.4%.
With all this, Sberbank is a leader in trade acquiring.
We contacted Alfa Bank employees and received an answer that they no longer engage in “Terrestrial” acquiring. Clients are offered a UCS partner. IN this moment It is Alfa Bank that provides only Internet acquiring.
In general, the entire procedure takes no more than 60 seconds. The process of paying for goods or services and transferring funds to the entrepreneur’s bank account occurs in several stages.
Details at Alfa-Bank official website.
To carry out this entire operation, special equipment is required. imprinter, or POS terminal, in some cases both. There is only one significant difference between these two types of equipment:
Example: A customer came to your store and decided to pay for purchases with a card, you inserted his card into the terminal, he entered a PIN code, you gave him a receipt.
When installing equipment at retail outlets, the banking organization is obliged to provide qualified technical assistance, as well as provide advice on any issue.
It is also worth noting other responsibilities of banking organizations:
Concerning trade organizations, then they have the right to demand high-quality performance of services, as well as duties. At the same time, trading companies must fulfill a number of conditions.
There is one more feature: acquiring banks reserve the right to charge a commission based on the cost of the product or service not from the consumer, but from the seller . Other features of the provision of services and responsibilities are specified in the contract.
You already understand the entire mechanism of action of the presented service. Now you need to determine the sequence of actions when connecting acquiring. There are only 6 stages from the application to the final result, which we will consider further.
Many processing companies offer to work with them directly. When comparing tariffs and conditions, you should make a choice in favor of the bank as a service provider. Processing companies are only intermediaries who are paid a commission, so you should not overpay in vain. In addition, as mentioned above, many leading banks have their own processing centers.
Once you have decided on a banking organization, you need to contact it and inform it of your desire to use the trade acquiring service. This can be done either through online operators, using the hotline, or by contacting the office.
Has your candidacy been approved? Then you will need to prepare a certain package of documents. To find out the exact list, contact your bank. In some banks (for example, Tochka), you can register equipment without leaving your home, through Personal Area. Some banks (Sberbank), in order to receive terminals for use, require a current account with their bank.
In general, you will need to enter into 2 agreements:
In addition, you will need to prepare the following package of documents:
The next step is drawing up and concluding an agreement with the service provider. This document is designed to regulate various controversial issues that may arise between the parties during cooperation. The contract specifies all the rights and obligations of the parties.
You will be offered to rent equipment that will allow you to conduct cashless transactions. In this case, it can be a stationary or portable POS terminal. The latter option is suitable for restaurants, cafes or courier deliveries, since the portable POS terminal is mobile. As for stationary devices, they are perfect for a store, beauty salon and other organizations where customers themselves approach the payment point.
You will be required to discuss in advance the time at which the equipment will be installed. A specialist will come to your site and perform the installation. Afterwards, a test run of the system will be carried out before the start of maintenance. You also need to request training for your employees.
The occurrence of difficulties cannot be excluded, but despite this, merchant acquiring can be an excellent tool for increasing profits! Connecting the service helps strengthen the company’s position in the trade and services market. In addition, this is a high indicator of reliability, since the company works closely with one of the banking organizations.
In general, the requirements for the installation location of the terminal will be approximately the same.
Small businesses belong to the segment of large clients banking market. Despite its small turnover, it has similar service and technology requirements to the corporate sector.
Installation and use of POS payment terminals or bank acquiring services are in great demand today, provide a lot of opportunities and have many advantages.
Read more about the operating principles, features and types of such services below.
In most cases, the main purpose of small business representatives turning to a bank is to obtain settlement and cash services.
Payments to counterparties and tax authorities, operational management of balances, cash collection - this is far from full list services related to cash settlement services (cash settlement services).
Installation of terminals cashless payment also refers to the type of service under consideration and involves debiting funds from the bank card holder’s account to the seller’s account.
Payments using plastic cards have become an integral part of the life of a modern person. Today, almost all stores and service centers are equipped with special terminals for accepting non-cash funds.
Such devices are called POS terminals (Point-of-Sale - point of sale).
At all points of sale where non-cash payments by bank cards are accepted, a sticker with the logos of all payment systems whose cards can be used to pay the bill through this POS terminal is placed at the entrance or near the cash register.
The modern level of technology allows you to make a payment using a POS terminal in a matter of seconds. The details of this process are as follows:
When using banking acquiring services, a company can:
At the same time, there are several types of POS terminals, differing in functional purpose, capabilities, cost and some other parameters.
There are 3 types of banking acquiring and POS terminals:
Trade POS terminals are installed in trade and service organizations (shops, hairdressers, cafes, hotels, etc.) and have their own distinctive feature direct contact between the seller and the buyer.
An agreement is concluded between the supplier and the recipient of the service of using a trading POS terminal. In accordance with it, the bank installs the necessary equipment, licensed software (software), provides consumables, and provides free training to employees. At the same time, the owner of the outlet undertakes to create the necessary conditions for installing terminals and accept bank cards for payment for goods and services.
The considered type of POS terminals is the most common and popular.
This type is characterized by the absence of direct contact between the buyer and the seller. In mode online client can quickly and easily pay for a product or service using his card in any online store. To do this, you must enter the card number, expiration date, last name, first name of the holder and CVC2 code. As a rule, money is written off instantly after confirmation using the sent password.
As an additional or alternative to the traditional one, you can choose to install a mobile POS payment terminal (mPOS). It is a card reader, which, using a special mobile application connects to the phone and provides the ability to transfer money from the client’s account.
Let's take a closer look at this type of terminal.
The use of mobile payment terminals with bank cards is a new direction in banking acquiring with broad prospects in the future. Their use when paying with cards will be convenient for couriers, taxi drivers, employees of repair and service organizations, tutors, brokers, movers, private doctors, craftsmen and other workers providing field services.
For entrepreneurs with a turnover insufficient to install traditional POS terminals, this type of acquiring is the best solution.
Since 2012, proposals for the use of mPOS payment devices have appeared in Russia for the first time. Largest banks began to cooperate with such mobile acquiring services as Pay-me, 2can, LifePay, SumUp and iPay.
The operating principle of such cashless payment devices is very simple. An entrepreneur buys a card reader and installs the necessary application on a smartphone or tablet. After registration, he receives a full-fledged mobile terminal that operates on a 3G network and accepts payments by bank cards.
The cost of a card reader depends on the requirements of a small business representative and starts from 3 thousand rubles. However, many companies offer readers for free or compensate their cost by charging a commission.
The average market size of the latter ranges from 2.5 to 2.75% of the transaction amount and does not depend on the organization’s turnover.
Mobile payment terminals can be divided into the following types:
The most inexpensive and versatile devices are those connected via an audio jack or based on a mini-jack. Bluetooth-based terminals provide full authorization by entering a PIN code when paying.
In Russia, the vast majority of devices are offered for cards with a magnetic stripe.
Digital terminals encrypt data read from the card before transmission to the phone and are resistant to possible errors and interference.
The use of mobile POS terminals has a number of advantages compared to traditional cashless payment devices:
Mini-terminals allow you to launch a project quickly, with minimal costs and low commissions. To do this, you only need a smartphone and an mPOS terminal.
The existing disadvantages include the following:
The three projects under consideration are the most popular mPOS terminals on the market. Below is a summary table with key conditions mobile acquiring.
For entrepreneurs with a turnover of over 1 million rubles, such companies are ready to provide commission discounts and more favorable terms of cooperation. In general, the conditions for the proposals considered are similar, with the exception of the cost of the terminal in Payme, which is slightly higher than the others.
The use of cashless payment terminals opens up many opportunities for small businesses:
Of course, installing POS terminals is beneficial not only for small businesses, but also for the banks themselves. A significant share of the Russian acquiring market is divided between such major participants as Sberbank, UCS, Gazprombank, VTB and Russian Standard. They account for approximately 74%.
Before making the final decision to install a cashless payment terminal in your company, it is important to study in detail all the offers, tariffs, their differences and advantages available on the market. Based on the requirements and specifics of the work, you can choose the optimal and profitable offer.
Every year more and more entrepreneurs and small businesses join the systems non-cash payments for their goods and services, while receiving many opportunities and additional profits.
Acquiring allows you to accept payments using bank cards with minimal costs and maximum convenience, which is especially valuable for individual entrepreneurs and mobile businesses.
Video - a review from an entrepreneur about using a mobile payment terminal with bank cards:
Discussion (9)
Acquiring from MIRBEZNALA for your money turns out to be the best option. With large sales volumes it comes out for adequate money. I filled out the form, paid and immediately received my terminal. The convenient thing is that you pay only for operations, there is no monthly fee. Consider it good advice;)
A video has appeared online about how, in fact, it’s easy to withdraw money from an unsuspecting store visitor using a POS terminal. While the man is busy with something at the slot machine, the owner of the terminal successfully debits a certain amount from his contactless bank card lying in the back pocket of his jeans.
I wanted to organize the possibility of paying by bank cards for my pet store. I contacted the bank. It turned out that it was tin. They will charge a 2.5% commission on each payment. MIRBEZNALA solves this problem in a more convenient way. You buy a terminal, although it’s not cheap, but if you do the math, I still get it cheaper. Then you arrange acquiring through desired bank With minimum percentage and accept payments. I was also pleased that all payment data is visible in the service interface: date, time, amount.
I, too, can’t go anywhere without a card, so what, everything is correct now in all stores they are accepted, thanks to such terminals, everything is very convenient and fast, you don’t need to look for change in your wallet, and the payment process for the purchase goes faster. For those who haven’t installed it yet, think about it, there will be more buyers!
This is for sure, probably few people work without such terminals, because it is more convenient for the buyer to pay with a card than to look in a wallet the required amount. And it seems to me that even children have cards, mine definitely do, so you can control your purchases, it’s necessary!
The abbreviation POS (short for “Point Of Sale”) literally means “point of sale.” Accordingly, a POS terminal is a device that performs a number of functions for the successful functioning of a retail outlet (for example, accounting and sale of goods). I already have a good, necessary device at all points of sale, but how can I work without it?
A POS terminal is one of the components of a successful business. This is also due to the fact that more and more different cards with cash back are appearing on the market. Therefore, for many people these are pleasant little things in the form of savings.
A POS terminal is a necessary thing for any entrepreneur, regardless of what he does. I have a small chain of stores in the city and the terminals were not installed in them at the same time, due to certain circumstances. Revenue per shift in stores with by bank transfer and without him it was quite different. One day I decided to ask the sellers, the “lagging” store, what was the matter? And then the girls asked me to quickly install a POS terminal for them, because they are losing a lot of customers due to the fact that they have to go look for an ATM... and not all of them come back.
We are a branch of Igolochka in Stavropol, we have wholesale sales. The issue of installing a POS (trade) terminal did not arise until clients began to ask. Cashback on bank cards has made paying for purchased goods popular. For us it's more of a hassle. It takes a lot of time to serve one client. A queue begins to form. The reason is the long response from the terminal. We hope that this problem will be resolved soon.
A bank card is convenient way pay for purchases at retail outlets and on the Internet. The cardholder is not limited in his spending only to cash, but can also purchase goods using a credit card. In this regard, many banks offer trade acquiring services for both individual entrepreneurs and legal entities. There are devices different types: POS terminals, mobile and Internet modules. Today we will look at acquiring Sberbank. How profitable is it, what are the tariffs and conditions, and will it help business development?
This method of calculation is beneficial for each participant in the process. Cardholders do not have to look for ATMs and cash out. All purchases are made through a card, which does not limit the buyer. Accordingly, the retail outlet receives more profit, which is due to the greater solvency of the client. The issuing bank reduces the cost of maintaining ATMs and receives additional profit from the commission for acquiring services provided. More details can be found at the link.
Lower cash turnover reduces the risk of errors in cashier calculations. It also eliminates the possibility of receiving counterfeit banknotes, which in turn also leads to increased profits in the long term. A complete transition to acquiring could eliminate the need for collection.
This or that type of acquiring will depend on the type of activity of the entrepreneur. One type of equipment may be suitable for each business, but not another. Let's look at what acquiring services are available at Sberbank.
These are devices that read information from a bank card. Such devices work with both magnetic cards and chip cards. Modern equipment equipped with a contactless payment acceptance system. The client just needs to bring the card to the terminal’s reading screen, and the purchase will be made automatically without additional requests. As a rule, this method is limited to transactions up to 1,000 rubles.
Cash terminals can, in turn, be divided into wired and portable. Wired ones are suitable for stationary cash registers. An example would be a grocery store or a clothing store. All those outlets, where the cash registers are located in one specific location.
Wireless will be convenient for the food service industry or for a business that does not carry out its main sales in a specific location. An example would be restaurants or online stores with courier delivery.
Wireless terminals differ among themselves in the speed of Internet connection. More efficient equipment works using a Wi-Fi connection or Ethernet. Devices on GPRS or GSM connections operate more slowly.
Sberbank also offers mobile acquiring to individuals and legal entities. This is an application that is downloaded to a mobile phone. This service is suitable for taxi or courier delivery.
Mobile acquiring services are replacing the cash register. To make a payment, the client just needs to hold the card close to mobile phone, where the application is installed. To complete the transaction, you must specify the amount and confirm the action. Individual entrepreneurs can conduct commercial activities without a cash register if they have permission to do so, using only Sberbank’s mobile acquiring.
This type of acquiring is suitable for trading companies carrying out commercial activities via the Internet. Activating the service will allow you to accept customer payments by bank cards. Users of Internet acquiring from Sberbank must complete an application located on the bank’s website before completing an agreement. There you need to provide information:
After which the module must be placed on your own website. Sberbank provides instructions on how to connect the service. You can also contact the company’s technical support if you have any questions.
The cost of acquiring at Sberbank depends on the chosen tariff. Renting the equipment itself will cost about 1,500-2,000 rubles per month, depending on the type of device. In addition, the bank will charge a commission of 1 to 4% for each transaction. The bank takes a commission from the point of sale, while card users do not need to pay anything extra.
The rate directly depends on the amount of cash turnover for the month. The more transactions are performed, the lower the bank commission will be, accordingly. Therefore, in acquiring Sberbank, the cost will be lower for larger legal entities, although the conditions are discussed individually.
Sberbank provides technical support free of charge. The cost of the equipment also includes connecting the devices and providing a half-hour lecture on Sberbank’s merchant acquiring, which describes in detail how to use the equipment.
If the terminal breaks down, the bank carries out repairs or replaces the software using its own technical support. To use acquiring services at Sberbank, you will need to open a settlement account. Its price varies from 0 to 2,000 rubles per month, based on tariffs and terms of service.
In order to draw up an acquiring agreement with Sberbank, you must first draw up an application. It is provided on the company’s website in the “Small Business” section. The application contains contact information and the city in which the retail outlet is located. You will also need to briefly describe the company's activities and indicate what type of equipment will be needed for the work.
Then go to the Sberbank department and provide a set of documents. Banks accept both legal and individuals. The set of documents includes:
After submitting all these documents, the bank will review the application within 3 days and invite you to the office to draw up and sign an agreement. By that time, you will need to familiarize yourself with Sberbank acquiring, tariffs, interest and terms of the agreement, and decide on the type of equipment.
When preparing documents, you should select the date when the devices will be installed. For those who wish to open a current account with Sberbank, they will additionally need to draw up a corresponding agreement.
After that, invite bank specialists and connect acquiring. Bank employees will install the models and provide instructions to sellers and interested parties on how to use the terminals. In the future, you can contact us by phone with any questions. hotline in support for clients who have issued acquiring.
In the morning, the cashier opens the cash register, then we put the terminal into operation and accepts payments from customers of the outlet by bank transfer. The device reads information from the card via a magnetic stripe or requests a PIN code. The cashier has the right to ask the client for a passport in order to identify the card owner.
Cash register devices with acquiring - relatively the new kind trade and cash register equipment used for making payments in cash and non-cash methods. A cash register with the option to accept bank cards should be used in retail outlets with high customer traffic. The buyer must be able to make payment by any means, otherwise, if there is no cash, he will not make the purchase at all.
A terminal that accepts bank cards is more expensive than other equipment. But the cost of purchasing a cash register of this type pays off quickly.
There is an increase in the popularity of payment cards. If your store does not have a terminal for card payments, or the cash register does not support the function of accepting non-cash payments, then you may lose at least 15% of your customers.
Acquiring allows you to make impulse purchases. If the client does not have enough money to purchase a product or order a service, and your cash register does not accept cards, then he will simply refuse the purchase. The presence of an ATM in the cash register area will not save the situation: withdrawing money from a bank card is not always profitable for customers, since some banks charge a commission when issuing cash.
Using acquiring allows you to speed up the cashier's work: there is no need to count change or check the authenticity of banknotes accepted for payment. Customers with cards are served much faster.
Non-cash payments with bank cards allow you to reduce the cost of cash collection. There is no need to waste time counting banknotes, checking their authenticity and carrying out other operations.
There is a wide selection of devices available that vary in size, functionality, speed and operating method. For supermarkets, gas stations, fast food establishments and high-traffic stores should choose payment devices with an ergonomic keyboard.
A terminal with the option to accept bank cards differs from conventional machines in its compact size and light weight. This card payment terminal is suitable for:
small shops;
pharmacies and pharmacy points;
shopping kiosks;
food trucks;
enterprises Catering(fast foods, bars, fast food outlets);
service industries (hairdressers, car washes, beauty salons).
The peculiarity of portable equipment is that it can work autonomously, that is, it does not require a network connection. Our catalog contains modern models mobile online cash registers with acquiring for payment, the battery of which can be charged both from the network and via a USB cable. Typically, the battery charge of such a device for paying with bank cards lasts for the entire working day, even if there is a high customer traffic. Therefore, when choosing a portable cash register with the ability to accept cards, you can ignore this parameter.
It is worth purchasing cash registers for accepting plastic cards only from those companies that have a license for the sale and maintenance of equipment obtained from the State Expert Interdepartmental Commission. You can easily register such equipment with the Federal Tax Service, as it will comply with legal requirements.
Prices online cash register with acquiring start from 30,000 rubles. Which seems to be more expensive than simple models that work without accepting cards, but in fact they are cheaper. If you purchase an acquiring terminal and cash register separately, then in the end such a set separately will cost about 40-50 thousand rubles. Plus, you will have to spend additional money on setting up and connecting this equipment.
We offer our services to enterprises and organizations registered in Moscow or Moscow Region. You can order stationary and mobile terminals from us to accept payments by plastic cards. You can enter into a service agreement with our company. Avangard Service is a leader in the field of automation and integrated equipment of enterprises.
The catalog of the Avangard Service online store presents modern, proven cash register equipment with the ability to accept bank cards. We offer models from well-known manufacturers. Thanks to a wide range of devices, you can easily select a cash register for accepting cards that will fully comply with the specifics of your business.
We have automated dozens of large and well-known enterprises. We will be happy to help your business too!
Nowadays, the opportunity to pay for goods and services by bank transfer is provided by almost all companies offering any goods and services. Therefore, many types of businesses require the installation of a special POS terminal; it allows you to accept payments from a bank card. This method accepting payment is mandatory for everyone, since if it is absent, you can lose a client.
Acquiring- this is the acceptance of payment by bank cards as a means of payment for goods, works, and services. It is carried out by an authorized acquiring bank by installing payment terminals (POS terminals in the case of traditional trade acquiring, mPOS in the case of mobile acquiring) or imprinters at trade or service enterprises (TSEs).
Almost all modern retail outlets have a special acquiring terminal - a device that can be used for payment bank cards. The terminal reads the information contained on the card: for this, either a chip or magnetic strip, or a special contactless module that transmits information to the bank can be used.
After the data received by the bank from the card is received, the user is prompted to enter a PIN code, and then the information is checked. If the PIN code is correct and the requested amount is available on the card account, the payment is made and confirmed by a printed receipt.
Using POS terminals provides many benefits for both businesses and customers. The most important are the following:
Installing a POS terminal does not take much time and does not require the provision of an extensive list of documents. All you need to do is open a current account in any bank and submit a financial institution a special application, accompanying it with the established package of documents. To install a terminal, an entrepreneur must enter into an agreement with the bank on the provision of acquiring services. Within 10 days after signing it, bank employees install the POS device and, if necessary, conduct staff training.
Non-cash payment points depend on the type of business entity. For example, traditional ones use stationary devices; as a rule, they are located at the cash register. When providing services on-site, it is possible to use a mobile phone bank terminal, controlled by a remote PC using a special application. The second type of payment terminals is quite easy to use and involves lower maintenance costs.
Regardless of the method of application and whether it belongs to one type or another, the POS terminal consists of several components:
In addition to information about payments made, this device can store in its memory data about the properties of goods, expiration dates and prices. Due to these features, the POS terminal is very practical, convenient and beneficial for both buyers and business entities.
How to install a terminal for paying with bank cards? The process of installing a payment terminal and the list of documents that an organization must submit to use non-cash payments may differ depending on the organizational form you choose.
Since accepting payments requires opening a current account with the acquiring bank, so if you are already their client, then usually no documents are required. When submitting an application, you only need to indicate your TIN, after which they will contact you and arrange a meeting to conclude an agreement.