In the activities of any company there is a need to spend money on current needs, representative and travel expenses. A Sberbank corporate card is used specifically for this purpose. legal entities and entrepreneurs. The money is transferred to the account and is spent in the interests of the company. All card transactions must be confirmed by accounting documents.

Benefits of use

A legal entity card is always issued in the name of an employee of the organization. Why fill out the form to receive a Sberbank corporate card online or in a branch. Using it, he can perform the following operations:

• withdrawing cash from ATMs in different countries;
• payment at retail outlets;
• transfer of funds to employees of the organization.

Using plastic provides a number of advantages:

• No financial losses in case of card loss. An employee may have access to large sums without risk to their safety. All you have to do is call the support line and block the plastic.
• Receiving cash abroad without using a foreign currency account on business trips. The conversion takes place automatically.
• Reduced commissions for banking and foreign exchange transactions.
• The employee does not spend personal money, but receives advances for expenses from the card.
• Simplifying the process of financial management and operational control. The director or accountant independently sees all transactions on the account.
• Possibility of receiving a transfer in another country, paying for hotel, air and train tickets online.
• Using the discount system for different kinds goods and services.

For online purchases, an optimal transaction mode is provided. The operation is performed after entering the password. A list of 10 passwords is issued in Sberbank terminals. You need to insert the card into the self-service device and print a receipt.

How to open

Currently, organizations can apply for a corporate Sberbank payment card Visa systems and MasterCard. List of available cards:

1. Business to business account;
2. Business "Budget".

To order a card, just follow a few simple steps:

1. Contacting a bank branch for working with legal entities and open a current account according to the conditions and tariffs. Applications are accepted from legal entities, individual entrepreneurs, lawyers and notaries. Constituent documents must be attached.
2. A fee is charged to the account for annual maintenance each plastic. You can link the required number of cards to one organization account.
3. Then an application form for receiving a Sberbank corporate card, form 11, is accepted from the client. If the company already has an account, then the application can be submitted through the branch where it is maintained or in the Sberbank Business Online system.
4. For each plastic card, the limit of expense transactions for the employee is determined. Its size depends on the scope of the employee’s powers. The bank is provided with a special register of employees and their passport details. In accordance with it, limits are set. If it is necessary to change them, a new register is submitted to the bank.
5. After 7-10 days, receive it from the bank.

The card displays its number, validity period (3 years), first and last name of the employee, and the name of the company.

Use at work

When studying the question of how to use a Sberbank corporate card for legal entities, it is important to remember that all its funds belong exclusively to the company. If it is necessary to make an expense on the card, the accountant tops it up from the company’s account. The plastic number and the purpose of transferring funds must be indicated. Afterwards, the money is placed on the company employee’s card. Financial management occurs in accordance with the requirements and needs of the enterprise.

The expense can be made cashless or withdraw the required amount from an ATM. After completing the task, the employee provides checks, receipts for purchases of goods, services, and checks for withdrawal of funds to the organization’s accounting department. Based on these documents, a report on the expenditure of accountable funds is completed.

Using a card allows you to avoid problems with reporting when documents are lost; they can always be restored if you know the transaction data. When spending company funds, there will be no problems with increasing or decreasing the amount; the employee will not have to spend his own money or return the advance to the cashier.

As a result, the speed of settlements for the purchase of goods or services increases. The company reduces organizational costs, transactions are carried out at a convenient time without visiting the bank office and depending on trading day. In addition, this banking product is covered by modern services: free SMS transaction alerts and contactless PayPass technology. When using a corporate card, there are features of reflecting transactions and accounting entries:

1. The issuance of plastic to an enterprise is not reflected in accounting, since it belongs to the bank. Issued in the name of the employee, which eliminates the need to keep a corresponding journal.
2. Funds received through an ATM do not go through the company's cash desk. When compiling the cash balance at the end of the day, cash withdrawn from the plastic card is not taken into account.
3. The card expense reporting system avoids confusion and also protects the organization from inattention or theft on the part of cardholder employees.
4. If it is impossible to provide a report or provide documents confirming the expediency of spending, the funds are withheld from the employee’s salary.
5. The accountant writes off the money spent by employees from their cards in account 71 - settlements with accountable persons. The type of plastic must be taken into account.

Considering what a Sberbank corporate card is for individual entrepreneurs, it is important to be able to transfer money from an account to it and cash it out. It is used not only in Russia, but throughout the world. All financial transactions at work can be carried out using a card.

Tariffs and services

When a Sberbank corporate card is used, tariffs are applied in accordance with the type of service issued. The account is opened for free. Annual maintenance in the amount of 2500 rubles. or 50 dollars/euro and an initial fee deposited only for Visa products/ MasterCard Business. The bank provides free services such as:

1. Crediting funds to the company's account.
2. Suspension of plastic in case of loss.
3. Planned reissue or early.
4. Card servicing in the field of trade or services. For Business “Budget” the limit is set at 100 thousand rubles.

Also on the Business card "Budget" Cash issuance is free at Sberbank branches and ATMs, and money is accepted through the cash register. You can withdraw no more than 300 thousand rubles per day using the card.

Product "Business to business account" provides more opportunities, but on a paid basis. Additionally, you can get cash from other banks and their ATMs, and request more detailed information on transactions. The withdrawal limit is set at 170 thousand rubles per day. You can withdraw no more than 5 million rubles per month. The cash withdrawal fee is 1% of the amount. Urgent cash withdrawal costs 6 thousand rubles.

So, the corporate card is quite profitable payment instrument, suitable for international payments. Its use in business will reduce the time spent in the bank, increase the efficient use of the company's money and simplify the analysis and control of expenses for business needs. Today Sberbank provides wide possibilities for using plastic. Having determined the needs of the company, you can easily select the appropriate tariff for the card.

Sberbank offers the opening of corporate cards for the quick execution of business procedures by authorized employees. For these purposes, management must apply for a Sberbank corporate card. A corporate card provides the opportunity not only to optimize operating costs, but also to significantly speed up processes. For example, if an employee goes on a business trip, then he is required to carefully record all financial expenses, save receipts and receipts that will confirm the expenses in the report.

Using this card greatly simplifies the situation, since all expenses will be automatically reflected on it. The manager can set expense limits and control the debiting of funds from the card account using Business Online.

This method has long been practiced abroad, where they prefer to use plastic cards rather than paper checks and reports.

Sberbank corporate card for entrepreneurs

A corporate card for individual entrepreneurs from Sberbank allows you to make transfers, pay for services, and also carry out commercial and business work without visiting a branch.
When using this card abroad, conversion is carried out automatically.
Corporate cards give the director, accountant, authorized person the following opportunities:

• changing the size of limits;
• control over the movement of funds in the Business Online service;
• blocking the card if it is lost;
• spending limits for each employee.

Corporate cards allow you to reduce the collection of documents that control expenses.

How to write an application for a Sberbank corporate card?

To issue this card, the director or authorized person must submit an application for a Sberbank corporate card (Form 11) to the bank branch. You can do this online using the Business Online service.

Data to fill:

• Name of the organization;
• Currency used for the account;
• Card type: Visa or Master Card Business or Business budget;
• Last name, date of birth, place of registration and residence, passport and contact information, e-mail, information from an additional document (foreign passport);
• Signature of a representative of the company in whose name the registration is being carried out;
• Control data (any numbers and letters to identify the client during remote contact);
• Signature of the director and accountant of the enterprise.

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Procedure for filling out an application for a corporate card

The employee must fill out the second sheet of the application for a Sberbank corporate card.
Data to fill:

• The name of the unit and its code;
• Business and current account numbers;
• Position held and information about the employee who accepted the application;
• Confirmation: yes or no, position, surname, date, signature;
• Permission to provide a card: yes or no, last name, position, date, signature;
• Card and registration number, duration of validity.

A corporate card is most often used to pay business and travel expenses.

Available commissions on the card

It takes several days to process the submitted application.
Tariffs for servicing Sberbank corporate cards:

• To the current account - 2500 rubles;
• To a business account - 1200 rubles;
• Budget - 0 rub.

Possible restrictions on the card

Using the card involves certain restrictions and fees:

• Fee for withdrawing money: 1%, for the budget option - 0%, through branches and services of other organizations - 1-3%;
• Limit on receiving cash: per day - 170 thousand rubles, and per month - about 5 million rubles. (according to the budget - about 300 thousand rubles per day);
• Request for an expense report - 150 rubles;
• Accepting cash using self-service devices: 0.15%, for the budget option - 0% (limit - 100 thousand rubles);
• Information about card balance - 15 rubles.

A special offer from Sberbank - a corporate card with free annual maintenance.

Features and benefits of the Business Online Personal Account

You can connect to online banking at the time of submitting an application for a Sberbank corporate card. As a result of obtaining the identifier, numerous options become available:

• Import and export of documents using the 1C system;
• Quick creation of templates for required documents;
• Creating reports on completed transactions for a specific period of time;
• Receiving electronic payment orders and the ability to easily process them;
• Acceptance of documents for various functions, based on differences in contracts (cooperation with individuals or legal entities);
• Add free format attachments at the time of submission electronic documents;
• The presence of a bank stamp on electronic payments, which avoids visiting the office;
• A user-friendly interface, as well as the presence of a sorting and filtering system that speed up the search and processing of documents;
• Access to the database of details of the main banking organizations in the country.

Available additional services

Connect corporate card you can access Sberbank Business Online services and Mobile bank to activate notifications about completed operations via SMS. When working in the service, any actions are confirmed using a password sent in messages. Any enterprise can also integrate its own accounting system(1C or ERP) to convenient Business Online services.
As a result of submitting an application for the issuance of a corporate card from Sberbank, enterprises have access to reduce operating costs, as well as to interactively manage the movement of funds.

Sberbank corporate card is a payment card international importance, which is produced specifically for employees of various enterprises. Both legal entities and individual entrepreneurs can open this type of card.

This card allows you to perform the following operations:

• Produce non-cash payments, paying for goods and services
• Accept money from senders not only in Russia, but also while abroad
• Make cashless payments for travel and entertainment expenses
• Make cashless payments for business expenses
• Withdraw cash for business expenses

A corporate card is beneficial not only for a particular company as a whole, but also for each of its employees individually.

• For employees, the card has the following advantages:
• You can receive money in any currency and at any time
• There is no need to carry large cash savings with you
• It is very convenient to analyze the funds spent
• When traveling to other countries, you do not need to open a foreign currency account
• Using the card, you can book a hotel or travel tickets If bank card

The card indicates the user’s personal data (first and last name) and the name of the organization in which he works. The card is valid for three years from the date of issue.

Procedures required to obtain a corporate card

To get a Sberbank corporate card, you need to follow the steps below:

1. Open a special account that allows you to keep track of actions taken with corporate cards
2. Transfer the starting amount to an open account
3. Submit an application to the bank stating that you want to receive a corporate card
4. Get a ready-made card

Tariffication

Corporate cards for legal entities from Sberbank can be issued free of charge. A corporate bank card of a legal entity is serviced at a cost of 1,200 rubles per copy. Servicing of invoice costs foreign currency is 50 US dollars or 50 euros.

Tariffs also provide for an initial payment to the company’s account, which is at least 2,400 Russian rubles or 100 US dollars or 100 euros. A plastic card payment systems Visa and Mastercard Business with a special “Budget” tariff have the advantage of free registration and the ability to avoid making an initial payment.

Information about the card account of an individual entrepreneur

After an individual entrepreneur opens a current account with Sberbank, he can synchronize it with a plastic card.

The Sberbank business card for individual entrepreneurs allows you to transfer funds to it, which can be easily cashed out if necessary. The offer to individual entrepreneurs to open a current account with Sberbank is more profitable than in most other organizations engaged in banking activities. Sberbank business card for individual entrepreneurs allows you to pay in a convenient way, both on the territory of our country and on the territory of other states.

Availability synchronized with current account for an individual entrepreneur, a plastic card will allow you not to waste time on constant visits to Sberbank branches in order to conduct and control financial transactions. Since almost all necessary matters can be resolved using a card, the individual entrepreneur’s time in queues at a bank branch will be minimized.

Difficulties that arise without using a corporate plastic card

If an organization decides to send its employee on a business trip, the accounting department makes a request regarding expenses for air tickets, hotel rooms, daily allowance for the employee and other expenses. After analyzing this information, a decision is made to issue the employee a certain amount of money on account. When an employee returns from a business trip, he is forced to provide many different receipts, invoices and checks as a report.

The reporting procedure may take more than long term, if the company’s seconded employee did not spend all the allocated funds or, on the contrary, spent more than he was allocated and needs compensation. And if the inattention of an employee on a business trip led to the fact that some reporting documentation was forgotten somewhere, problems will arise with the accountant. Using Sberbank corporate cards allows you to avoid this type of problem.

Why Sberbank?

Sberbank of Russia is recognized as one of the best organizations issuing corporate plastic cards. Over the years of its existence, it has gained a reputation as a reliable financial partner among the country's population. In addition, convenient geographical position bank branches and ATMs in most localities Russian Federation allows you to be firmly confident that using corporate plastic cards will be fast and comfortable.

Corporate registration service plastic cards exists in Sberbank of Russia for quite a long period of time, so the reliability and ease of use of them has already been proven by many companies.

Employees of companies who have a corporate plastic card from Sberbank of Russia become confident that money will always be available to pay for corporate needs.

The company's expenses become systematized and are clearly visible to the accountant, and the accounting workflow is optimized. All these factors allow us to conclude that Sberbank corporate cards should definitely be issued! The largest financial corporation in Russia, Sberbank, actively offers its banking products and services not only for private clients, but also actively works with legal entities, companies, individual entrepreneurs . Statistics show that more than 75% of small and medium-sized businesses in Russia choose salary projects Savings Bank . In addition to cards for, the financial institution has a lot of pleasant offers that may be of interest to individual entrepreneurs. For example, the opportunity to discover a unique product that is useful for an entrepreneur and makes it easier to manage financial expenses. This is a Sberbank corporate card for legal entities. It is available only to companies, firms, individual entrepreneurs running businesses at various levels.

What is a corporate card?

A corporate card of a banking institution is not some kind of innovation in terms of functionality, but it is an opportunity for enterprises to conduct financial affairs in a simplified form. With its help, you can track expenses and distribute company finances.

What is a Sberbank corporate card for individual entrepreneurs - it’s a debit plastic card owned by the entire company. But it is issued for one person, as a rule, financial director, which allows you to see expense items in a simple way bank statement. The account can be used by all employees who have access to finances and the ability to manage them.

Sberbank of Russia offers the following options for issuing this card:

• Business visa;
• Mastercard Business;
• with the “Corporate” tariff;
• card at the “Budget” tariff.

The company owner, directors, and shareholders determine for themselves which option suits their company best. This is influenced by various factors:

• company budget;
• number of employees in the team;
• field of activity of the company;
• financial turnover;
• participation in tenders and government procurement.

Having a corporate credit card allows you to cash out company funds in a simplified manner. Business cards are issued more often, since these are standard cards with a common set of payment options.

All corporate plan credit cards are issued for 3 years; depending on the conditions and tariffs, servicing can cost from 1200 rubles or from 50 euros. Cards can operate as Russian rubles, so American dollars or euro. Each tariff has certain limits on transfers and cash withdrawals. There can be any number of holders, but one card will be the main one, and the rest will be additional. Annual maintenance is written off for each holder, but starting from the second, the amount per year will be from 250 to 450 rubles. Possibility of opening credit limit, but not for all companies and without grace period, the decision to credit a corporate account is made by the bank.

The procedure for issuing Sberbank cards for individual entrepreneurs

You can apply for a corporate card only at Sberbank of Russia branches in the departments for working with legal entities. To do this, you need to write an application for a corporate card from Sberbank to a bank branch, or through Form 11 on the website in the Sberbank application Online Business. The bank creates limits, rates and conditions based on your proposal. Required condition is the payment of annual maintenance when applying for a credit card. If the application was submitted via Internet banking, a representative of the company will be invited to the office financial organization. There he will sign an application for a Sberbank corporate bank card and provide the original documents. The bank then takes some time to issue, most often from 5 to 14 business days.

Tariffs for a Sberbank corporate card depend not only on the selected service option, but also on the status of the company. The bank works individually with the client and offers certain conditions depending on the needs of the enterprise. After receiving a credit card and additional cards, the company has all the possibilities debit card, which can be used by all employees with access. A Sberbank corporate credit card is a component of the main card to which a credit account is linked. This is convenient for those companies that constantly invest funds for a short period of time, subsequently receiving a profit.

Difficulties in use and customer questions

Of course, a company’s corporate credit card raises a lot of questions and not always all the conditions for its use are perceived correctly by all team members. It is important that such a plastic product cannot be a salary card. It is not intended for this purpose and cannot be connected to salary project. In addition, funds cannot be invested from this card for the purpose of loans to the public. But this Bank card works great abroad, you can pay in stores, withdraw cash from an ATM, deposit funds.

There are certain accounting nuances that are important to know for those who decide to open a corporate Sberbank card:

• this plastic product is not included in accounting and is not indicated in the declaration;
• funds withdrawn and deposited on the card are not displayed in the expense item maintained by the company’s accounting department;
• a bank commission is charged for some transactions on account “9-12” in accordance with the article “Other expenses”;
• each financial transaction must be documented, that is, for any expenditure there must be a basis in the form of a receipt.

Sberbank corporate card

What it is

In addition to the costs of carrying out its core activities, any enterprise spends some part of its budget on:

• business expenses - renovation of premises, stationery for employees, purchase of office equipment and other equipment for household purposes;
• travel expenses of employees;
• repair and maintenance of official vehicles;
• corporate events - collective holidays, field trips, etc.

Previously, the company’s accounting department issued a certain amount for such expenses for a specific employee’s report, and those who were delayed on business trips had to send additional funds through mail or services money transfers. A corporate bank card for a legal entity greatly simplifies all processes:

1. The company's accounting department does not need to obtain cash from the bank in advance. Instead, the reporting employee is issued a Sberbank business card, with which he can independently receive cash from a special bank account of the organization through an ATM or pay all expenses by bank transfer.
2. Through the system remote maintenance"Sberbank Business Online" manager or other authorized person can set a limit on expenses on a corporate card, and also be aware of all expenses of employees on business trips, even on the territory of a foreign state.
3. The Sberbank corporate card for individual entrepreneurs and legal entities also allows you to instantly deposit cash into your current account using ATMs. This function is very useful for small store owners to independently collect revenue and transfer it to a bank account.

Using a business card does not relieve an employee of the need to report to the accounting department on the amount of funds spent by the enterprise. All checks for non-cash payments, cash withdrawal or deposit transactions must be saved and attached to the report.

How to apply

Today, there are two ways to obtain a Sberbank business card for your enterprise:

• visit the bank branch where your current account is serviced and apply for the issuance of a Sberbank corporate card;
• submit an online application through the company’s account in the Sberbank Business Online system.

Through the Internet

Entrepreneurs who have entered into an agreement to open a current account with Sberbank are given the opportunity to conduct all their Bank operations remotely, through the Sberbank Business Online system. These are settlements with counterparties, issuance of salary and corporate plastic cards, payments in the state budget and much more.

Registering a corporate account

Just having a business bank account is not enough to start servicing via the Internet. The head of the organization needs to visit the service office corporate clients, submit an application to connect to the system and receive identification data to access the legal entity’s account.

Online application

Applying for a business card via the Internet will help you save a lot of time, since in this case you only need to meet with bank employees once - to directly receive the plastic. A corporate card through Sberbank Business Online is issued very simply, and even the most inexperienced user of the system can cope with this task. To begin filling out the online application:

Tariffs of corporate payment instruments

For its corporate clients, Sberbank issues three types of business cards with different service costs. There are no separate tariffs for individual entrepreneurs.

Advantageous Sberbank corporate cards for business: types and tariffs

Sberbank has introduced a convenient and simple way for legal entities and organizations to spend money for business purposes - Sberbank corporate cards for business. They are created to replace obsolete checkbook and make reporting easier.

A corporate card is issued to all employees of a legal entity who spend money on business needs. For each employee, a limit of funds is set on the card, which he can spend in a certain period of time.

Obtaining a Sberbank business card

Ordering such a card is easy. There are two options for how to apply. First, write it in your own hand at the local branch of Sberbank where the current account of the legal entity is opened. Second, fill out an application in the Sberbank Online Business system. The last option is simpler and faster. Save time and you can read everything in detail about the opportunities on the Sberbank website.

The card belongs to the organization, but the peculiarity is that it is issued in the name of a specific employee.

It remains to do three steps, and the card will work.

1. Set a fund limit for each employee.
2. Pay the annual maintenance fee. This is done immediately.
3. Come, receive the card in your hands and activate it.

The limit for each employee is determined immediately during card issuance. It is necessary to submit a register of employees with passport data.

How to activate a Sberbank business card online

The fastest and affordable way do active card– insert the card through the ATM and dial the PIN code. If you have any questions, contact a Sberbank employee, he will help you. It is convenient when the card is activated, and a Sberbank employee is nearby and if the card is not working, he will immediately resolve the issue. Therefore, it is convenient to activate the card immediately after receiving it at a Sberbank branch.

It is not possible to activate the card via the Internet or by phone. This measure was made to protect against scammers and unauthorized persons.

After some time, the card will be automatically activated. Usually up to one business day after signing all necessary documents.

How to use a Sberbank corporate card

After receiving the card, the legal entity’s accountant transfers a certain limit of funds to a special account and sets a spending rate for each employee who uses the card and pays business expenses.

Each employee who has a corporate card reports expenses and provides checks or receipts. A legal entity can check the account balance at any time and see how much is spent and on what cash organizations.

What advantages does a corporate card provide:

1. Control of cash expenditure. The accountant monitors the reporting of each employee.
2. Convenient analysis of spent funds and expense management.
3. Possibility not to use employees' personal money.
4. Lack of constantly issuing money to employees and monitoring this.
5. Cashless payment of expenses.
6. Possibility to transfer money through an ATM or payment terminal.
7. The opportunity to receive money abroad without opening a foreign currency account.
8. Reduced commission during foreign exchange transactions.
9. Saving money in case of loss of the card. It is enough to block by contacting or calling any Sberbank branch.
10. Purchasing services and goods via the Internet. Allows you to save time on receiving and transferring money to a regular card.
11. Withdrawing cash from an ATM and using it to purchase necessary goods. All that remains is to present the receipts to the accountant after the purchase.
12. Organizational benefits in reducing organizational costs. Payment for goods at any time.
13. There is no need to enter a journal for completed transactions - payment for purchases.
14. No confusion in the organization's expenses. The reports show how much, when and which employee spent the organization’s funds.

Tariffs for corporate cards

Three tariffs are offered for servicing corporate cards. This includes:

1. Visa to business account.
2. Visa Business "Budget".
3. Visa Business to current account.

For all tariffs, opening an account is offered free of charge. The card is also serviced free of charge, except for the second tariff. They pay 2500 rubles for it.

The first tariff provides for an initial payment of 2,400 rubles. There are no fees for the second and third tariffs.

The system for issuing cash through a cash register is different for everyone. The first tariff is 1% of the amount. The second one is free. The third is subject to certain conditions for using a current account.

Learn more about the tariffs of corporate cards from Sberbank employees.

Corporate cards are a new word in spending current funds for the economic needs of a legal entity. Convenient management, easy use and reliable operation will help you grow your business even faster.

Sberbank offers the opening of corporate cards for the quick execution of business procedures by authorized employees. For these purposes, management must apply for a Sberbank corporate card.

For example, if an employee goes on a business trip, then he is required to carefully record all financial expenses, save receipts and receipts that will confirm the expenses in the report.

Using this card greatly simplifies the situation, since all expenses will be automatically reflected on it. The manager can set expense limits and control the debiting of funds from the card account using Business Online.

This method has long been practiced abroad, where they prefer to use plastic cards rather than paper checks and reports.

A corporate card for individual entrepreneurs from Sberbank allows you to make transfers, pay for services, and also carry out commercial and business work without visiting a branch.

When using this card abroad, conversion is carried out automatically.

Corporate cards give the director, accountant, authorized person the following opportunities:

• changing the size of limits;
• control over the movement of funds in the Business Online service;
• blocking the card if it is lost;
• spending limits for each employee.

Corporate cards allow you to reduce the collection of documents that control expenses.

How to write an application for a Sberbank corporate card?

To issue this card, the director or authorized person must submit an application for a Sberbank corporate card (Form 11) to the bank branch. You can do this online using the Business Online service. Data to fill out:

• Name of the organization;
• Currency used for the account;
• Card type: Visa or Master Card Business or Business budget;
• Last name, date of birth, place of registration and residence, passport and contact information, e-mail, information from an additional document (foreign passport);
• Signature of a representative of the company in whose name the registration is being carried out;
• Control data (any numbers and letters to identify the client during remote contact);
• Signature of the director and accountant of the enterprise.

Download Application for a Sberbank corporate card (form) (downloads: 1036)

View online file:

Download Application for a Sberbank corporate card (form)

Procedure for filling out an application for a corporate card

The employee must fill out the second sheet of the application for a Sberbank corporate card.

Data to fill:

• The name of the unit and its code;
• Business and current account numbers;
• Position held and information about the employee who accepted the application;
• Confirmation: yes or no, position, surname, date, signature;
• Permission to provide a card: yes or no, last name, position, date, signature;
• Card and registration number, duration of validity.

A corporate card is most often used to pay business and travel expenses.

Available commissions on the card

It takes several days to process the submitted application.

Tariffs for servicing Sberbank corporate cards:

• To the current account - 2500 rubles;
• To a business account - 1200 rubles;
• Budget - 0 rub.

Possible restrictions on the card

Using the card involves certain restrictions and fees:

• Fee for withdrawing money: 1%, for the budget option - 0%, through branches and services of other organizations - 1-3%;
• Limit on cash withdrawals: per day - 170 thousand rubles, and per month - about 5 million rubles. (according to the budget - about 300 thousand rubles per day);
• Request for an expense report - 150 rubles;
• Accepting cash using self-service devices: 0.15%, for the budget option - 0% (limit - 100 thousand rubles);
• Information about card balance - 15 rubles.

A special offer from Sberbank - a corporate card with free annual maintenance.

Features and benefits of the Business Online Personal Account

You can connect to online banking at the time of submitting an application for a Sberbank corporate card. As a result of obtaining the identifier, numerous options become available:

• Import and export of documents using the 1C system;
• Quick creation of templates for required documents;
• Creating reports on completed transactions for a specific period of time;
• Receiving electronic payment orders and the ability to easily process them;
• Acceptance of documents for various functions, based on differences in contracts (cooperation with individuals or legal entities);
• Adding free format attachments at the time of sending electronic documents;
• The presence of a bank stamp on electronic payments, which avoids visiting the office;
• A user-friendly interface, as well as the presence of a sorting and filtering system that speed up the search and processing of documents;
• Access to the database of details of the main banking organizations in the country.

Available additional services

You can connect your corporate card to Sberbank Business Online and Mobile Bank services to activate alerts about completed transactions via SMS. When working in the service, any actions are confirmed using a password sent in messages. Any enterprise can also integrate its own accounting system (1C or ERP) with convenient Business Online services.

As a result of submitting an application for the issuance of a corporate card from Sberbank, enterprises have access to reduce operating costs, as well as to interactively manage the movement of funds.

In order to simplify and speed up business processes, Sberbank offers enterprises to open cards for authorized employees. To do this, the manager must submit an application for a corporate card to Sberbank.

Advantages of corporate cards

At Sberbank, the corporate card service is aimed at optimizing the operating costs of enterprises and speeding up processes. So, an employee, going on a business trip or business trip, must keep track of his expenses, collect checks and receipts in order to report on his expenses. If you give him a card, all expenses will be reflected on it. At the same time, the manager can set a limit and control debits from the account through the Business Online Internet banking resource. This method has long been used abroad, where most organizations have already abandoned paper reports and receipts in favor of more convenient plastic options.

Sberbank corporate card for entrepreneurs

The Sberbank corporate card for individual entrepreneurs is also very convenient, because it can be used to pay and make transfers, i.e. conduct economic and commercial activities without having to contact the bank to fill out a payment order. Using plastic, you can get cash through ATMs or institutions in Russia and abroad. When used abroad, it is easy to conduct transactions in the currency of another country, because... conversion occurs automatically. Thus, employees are freed from the need to exchange cash, which also entails additional difficulties and costs. Sberbank corporate cards for legal entities are also convenient because an accountant, director or authorized person acquires the following capabilities:

• Control the movement of funds for each account in a single Business Online space. The information is complete: dates, amounts, place of consumption.
• Set your own limit for each employee.
• If necessary, change the limit values.
• If the card is lost, incl. abroad, it is easy to block it so that no one uses the money from the account. Whereas stolen or lost cash cannot be returned.

Corporate cards allow you to replace cash and minimize the collection of documents on expenses

How to write an application for a Sberbank corporate card

An application for a Sberbank corporate card (form 11) is submitted at the branch by the director himself or an authorized person. Also, if you have an account and have access to Business Online, it is easy to send the form directly through the service. The following information is required to be filled in:

• Name of company.
• Card type: Visa or Master Card Business or Budget Business.
• Currency for account management.
• Last name, personal data of the employee: place, birthday, registration and residence addresses, e-mail, contact numbers (work, office, home, mobile), passport data, information from the second document (foreign passport).
• Control information (any letters and numbers that will help identify the client when contacting remotely).
• Signature of the employee in whose name the registration is being made. It certifies the relevance of the information provided about it and gives the right to processing by Sberbank.
• Signatures of the accountant and director of the enterprise.

To obtain a corporate card, you must write an application

Download

Application for a Sberbank corporate card (form 11) Application for a corporate card

Procedure for filling out an application

In Sberbank, Form 11 for receiving corporate cards also contains a second sheet that must be filled out by a bank employee:

• Department code and name.
• Position and information about the employee who accepted the application.
• Approval: yes/no, date, signature, surname, position.
• Permission to issue plastic: yes/no, date, signature, surname, position.
• Current and business account numbers.
• Registration number and card number, plastic expiration date.

Travel and business expenses are mainly paid using a corporate card

Card fees

After accepting the application, the employee asks you to wait a few days. After making the plastic, it can be obtained from your department. Sberbank corporate card service rates are as follows:

• Card for a business account: 1200 rubles;
• Card to current account: 2500 rubles;
• Budget card: 0 rubles.

Card restrictions

However, the release is free in any case. The Sberbank corporate card, what it is and how to get it, is discussed above, has the following limits and fees:

• Cash withdrawal limit: 170 thousand rubles per day and up to 5 million rubles per month. With a budget card – up to 300 thousand rubles per day.
• Withdrawal commission: 1% (not provided for budget commission). Through services or branches of other institutions - 1-3%.
• Accepting cash through self-service services: 0.15% (for budget - free). Limit – 100 thousand rubles.
• Balance information: 15 rubles;
• Request for cost details: 150 rubles.

Special offer from Sberbank to issue a corporate card with free servicing for a year

These features should be taken into account when applying to connect to the Sberbank corporate card service.

Business Online - opportunities and advantages

Connection to the online bank occurs at the branch when you submit an application form for a Sberbank corporate card or during a separate visit. Having received the identifier, the client acquires the following capabilities:

• Accepting payments in in electronic format. Possibility of their processing.
• Reception of documents for various functions established on the basis of differences in contracts (for example, when interacting with legal entities and individuals).
• Generating reports on transactions performed for a given period.
• When sending electronic documents, it is permissible to add free format attachments.
• Exporting and importing papers using the 1C system.
• The presence of a bank stamp on electronic payments, which allows you not to visit an additional branch.
• Creation of templates for the required type of documents.
• Availability of a database with the details of the main banking institutions Russia.
• User-friendly interface, filtering and sorting system, which allows you to speed up the process of searching and processing a document.

additional services

In addition to Sberbank Business Online, the corporate card also connects to Mobile bank to activate the function of informing via SMS about completed operations. When working in the service, all procedures are subject to confirmation with a key that is sent via SMS. Each organization can take advantage of the opportunity and integrate its accounting system (1C or other ERP system) with Business Online services. Thus, by submitting an application for a Sberbank corporate card, an enterprise has the opportunity to interactively manage the movement of funds and reduce operating costs.

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1. In the list of applications for issuing corporate cards, click the toolbar button.
2. The Application for issuance of corporate cards window will open.

   A number of fields in the window will already be filled in by the system. Fields with a white background must be filled in or edited manually. Fields with a gray background are filled in either by the user by selecting values ​​from the list, or by the system automatically in the process of filling out document details.

3. In field To whom From the directory of departments, select the department to which you want to send the application. The directory will display only those divisions in which your organization has accounts. By default, the application is sent to the department where the last application was sent.
4. Specify the currency of the issued cards in the block Currency:
   

   a. Select the card currency from the currency directory.
   b. The block fields will be automatically filled with the code and currency designation.

5. In field Card type select the required type of issued cards from the list.
6. Check the box The author of the application obtained the consent of the employees to provide their personal data to the bank.
7. The block will become available for filling and editing A list of employees.
8. In the block A list of employees create a list of employees for whom corporate cards need to be issued in accordance with the instructions. "Creating and viewing nested lists."

   When creating/editing a record about each employee:

   a. The Add Employee Record window opens.

   Note: The title of the window changes depending on which of the operations can be performed with its help in each particular case.

   b. In the fields Surname, Name And Surname Enter the employee's last name, first name and patronymic, respectively.
   c. In field Document type select the name of the employee’s identification document.
   d. In the fields Number And Series Enter the document number and series accordingly.
   e. In the fields Issued by And When issued Enter, respectively, the name of the authority that issued the document and the date of issue.
   f. Click OK.
   g. You will be returned to the Application for issuing corporate cards window. The employee record will be added to the list / edited.

9. In the block Attachments if necessary, create a list of additional files attached to the application in accordance with the instructions. "Creating and viewing attachments."
10. Review the document before saving.
11. Save your changes.

A document generated in Sberbank Business Online will appear in the list with the status “Created” if it does not contain critical errors (non-critical comments are acceptable), or with the status “Control error” if there are critical errors.

The Sberbank corporate card becomes effective tool in enterprise cost management.

What is a corporate card?

What is a corporate card? This is international payment card Visa Business or MasterCard Business, issued specifically for employees of enterprises.

The main advantages of such cards are the following: using the card you can make non-cash transactions to pay for goods and services, receive cash, including outside the Russian Federation, pay for travel and entertainment expenses. By using a corporate card, not only the company, but also the employee receives benefits. One of the main advantages is the ability to receive funds in any currency and at a time convenient for you, threefold - seconded personnel do not need to transport large amounts of cash and spend their own, and then return it after a long report. If lost, the bank card can be easily blocked. Corporate cards are marked with the holder's first and last name and the name of the company. The validity period of such cards is three years. When paying company employees for travel, hospitality or business expenses, the company can set an individual limit on the expenditure of funds on each card.

How to apply for a Sberbank corporate card?

In order to issue a corporate card, you need to take the following steps: - open a business account with Sberbank to record transactions made using corporate cards; — transfer the down payment to this business account; — submit an application to the bank for corporate cards; — receive manufactured cards in the tank. From the links provided below you can download sample documents required for issuing a corporate card: - application for opening and servicing an account download here - register for issuing Sberbank corporate cards download here - register for replenishing corporate cards download here - card user's memo download here - application for receiving a corporate card in the form of a bank download here - power of attorney to receive or return corporate cards download here - application for closing a current account download here We remind you that the use of corporate cards allows the company to reduce the costs of issuing and accepting cash on account and makes the company's expenses more " transparent."