Current account in Raiffeisenbank for individual entrepreneurs. Current account for business at Raiffeisen Bank. Preliminary examination of documents

Updated December 2019

Detailed information on opening a current account with Raiffeisenbank for individuals and legal entities. What documents are required for registration, the cost of opening and maintenance. How to fill out an online application for cash settlement services for individual entrepreneurs and LLCs on the website raiffeisen.ru - a visual guide. Tariffs offered by the bank, with a list of services provided.

General
information Acquiring Salary
project Foreign exchange
control Corporate
cards

Opening:

Service:

Payment:

Opening speed:

From 1 working day

License:

3292 dated February 17, 2015

Internet bank:

Mobile bank:

SMS notification:

Documentation:

Passport, OGRN/OGRNIP, TIN (+ decision, charter, order of the general director, location of the company for LLC)

Cash acceptance:

Cash withdrawal:

Salary - 0, for other needs - from 1%

Acquiring:

Types: shopping and internet; accepted cards: Visa, MasterCard, MIR, AmEx; commission: up to 1.79%; terminal rental: up to RUB 1,990/month

Connection deadlines:

Up to 7 working days

Support:

Free

Enrollment deadlines:

During the day

Account management

Resident Operations Agent:

0.15%, if registration is not required - 0.14%

Registration of the contract:

Free, urgent - 4,900 rubles.

Payment:

Issuance of certificates:

• Fast registration with on-site specialist
• Account details after completing the application
• Inexpensive payment orders
• Overdraft in the amount of up to 1,500,000 rubles
• Trade acquiring with free service
• Internet banking interacts with programs from 1C

More details

K5M

Reviews

The Start tariff from Raiffeisenbank offers a current account with fast registration, inexpensive service and convenient functions. You will be able to use all the bank’s services - arrange an overdraft, connect acquiring or a salary project, conduct a foreign exchange transaction. The bank often organizes promotions for clients - if you follow them, you can open an account with free service in the first months.

Advantages of opening a current account for LLCs and individual entrepreneurs with Raiffeisenbank:

• International service standards
• A variety of tariffs taking into account the individual specifics of the business
• Discounts for advance payment for current account servicing
• Reserving a current account number online
• Accepting payments through the Bank-Client online system “ELBRUS Internet”
• Unlimited checking accounts at no additional cost
• Convenient deadlines for providing payment papers for execution on the current banking day
• Salary projects
• Remote account management
• Departure of a personal manager to your office to issue an account (except for Moscow and the Moscow region)

Rates

	Start	Base	Optimum	Maximum
Cost per month, rub	990	1 900	2 900	7 500
Electronic funds transfers	25 rub/payment	10 payments free, then 25 rubles payment	60 payments free, then 25 rubles payment	300 payments free, then 25 rubles payment
Acceptance of cash, collected money into the account	0,25%	0,25%	0,25%
Cash withdrawal from client accounts		From 1% (as agreed), for salary payments - 0%	From 1% (as agreed), for salary payments - 0%	From 1% (as agreed), for salary payments - 0%

For all tariff plans, Internet banking connection is free of charge.

The tariffs are described in more detail in the appendix.

To open a current account with Raiffeisenbank, you need to enter the “Medium and Corporate Business” or “Small Business” section, depending on the profitability of your business. Next, select the “Banking Services” item and go down to the very bottom of the page. Here we see a yellow button that says “Online Application”.

By clicking on it, you will be taken to the page for filling out personal data and business information.

Fill in:

• Annual revenue
• Company name
• contact number
• Email
• The site of the company
• City
• Service department

Select the banking product you are interested in, enter the captcha and press the “Submit Application” button.

Within 24 hours, your personal manager will contact you and you will discuss the time and place of the meeting to resolve all formalities. Usually the manager comes directly to your office.

In the active menu of the Raiffeisenbank website, located on the left side of the page, there is a separate “Online application” button. If you are familiar with the terms of service, then after entering the site you can immediately begin filling out the application by clicking on it.

Required documents

To open a current account, an individual entrepreneur will need:

• A completed application form
• Application for opening an account
• Bank account agreement
• Identity documents
• Certificate OGRNIP
• TIN certificate
• Licenses (if available)

For an LLC, the package is somewhat wider, but not by much:

• A completed application form
• Application for opening an account
• Bank account agreement
• Charter
• Notarized card with sample signatures and seals
• Documents confirming the authority of the sole executive officer
• Documents confirming the powers of persons authorized to sign
• OGRN certificate
• TIN certificate
• Extract from the list of participants
• Licenses (if available)

Forms of all necessary agreements and questionnaires are posted on the Raiffeisenbank website and are freely available. They can be downloaded, studied and filled out in advance.

You will learn how to log into your personal account on the official website of Raiffeisenbank online. Detailed instructions for convenient and quick access to raiffeisen.ru with screenshots and video instructions. A visual guide to recovering a forgotten password for your bank account. We provide only the most current information.

About the bank

Raiffeisenbank is a large universal bank with foreign participation. Founded in 1996 as the Russian branch of the Austrian bank of the same name. In 2007, he acquired IMPEXBank, which at that time acted as a bridger for Russian Credit Bank. In 2015, rumors appeared about the sale of Raiffeisen to Alfa-Bank, but these rumors were quickly refuted.

Now all the bank's shares are controlled by Raiffeisen Bank International. The head office of the Russian Raiffeisenbank is located in Moscow. The network of branches includes five branches - in St. Petersburg, Novosibirsk, Yekaterinburg, Krasnodar and Nizhny Novgorod - and more than 170 offices. The bank operates on the basis of the Central Bank general license No., issued on February 17, 2015.

In total, the bank serves more than 80,000 corporate clients. Raiffeisen offers them cash settlement services, loans and guarantees, deposits, corporate and salary cards, acquiring, currency control, investments and other services. The bank also serves private clients - they have access to loans, deposits, credit and debit cards, money transfers and insurance services.

Business services from Raiffeisenbank

Raiffeisenbank is actively developing services needed by businesses, both small and large. Here you can connect a payroll project or acquiring, go through currency control or order collection services. You will learn about these and other popular offers from Raiffeisen below.

Raiffeisenbank has well-organized services for those involved in foreign economic activity. Any bank client can open a foreign currency account, exchange currency or undergo foreign exchange control. The bank has its own conversion platform, R-Dealer - here you can buy or sell currency without commission at a rate close to the exchange rate. Raiffeisen works with many major currencies - from US dollars and euros to Norwegian kroner and Kazakhstani tenge.

Currency control at Raiffeisenbank is available to both residents and non-residents of the Russian Federation. With it, you can correctly register a transaction with a foreign company without violating Russian laws. For a fee, the bank will provide advice on foreign exchange transactions and help prepare the necessary documents. All operations are carried out remotely via Internet banking. For more convenient payment of customs duties, a customs card is provided - it is issued separately.

Tariffs for services for foreign trade activities:

Maintaining a foreign currency account	$25 per month
Payments in foreign currency	0.1%, minimum $40
Access to the R-Dealer system	1,500 rubles
Currency control	For transactions that do not require registration of a contract - 0.14%, minimum 290 rubles
Urgent registration of the contract	4,900 rubles
Deregistration of a contract	3,900 rubles
Issuance of copies of documents from the currency control file
Issuance of currency control certificates	1,200 rubles for each
Preliminary examination of documents	1,000 rubles
Verification of currency control documents	500 rubles per document
Consultations on currency control	1,000 rubles

Raiffeisenbank has its own collection service - it will help you quickly and safely transport large amounts of cash, precious metals, securities and things. The collection service uses modern protection and safety technologies that ensure high reliability and safety of cargo. In cities where the Raiffeisen collection service does not operate, you can use the services of partner companies.

To use collection services, leave a request via online banking, in a branch or by phone. A specialist will help you agree on the date and time of delivery of the valuables you need. The collection fee is calculated individually for each case. Transfer of cash to the current account is paid separately.

A corporate card is an additional tool for more convenient management of money in your current account. Using it, you can pay various company expenses, deposit and withdraw cash. The card is used like a regular credit or debit card. If desired, you can set separate limits for any operations.

Raiffeisenbank offers several specialized corporate cards:

Business 24/7 - designed to make it easier to deposit and withdraw cash into your account. It has uniform tariffs for cash transactions for all ATMs - you don’t have to look for a Raiffeisen device to deposit or withdraw money

METRO - produced jointly with the METRO Cash&Carry chain of wholesale stores. You can use it to pay for any purchases, just like a regular bank card. METRO chain stores offer additional discounts. You can get a loan on the card for an amount of up to 250,000 rubles for a period of up to 12 months with a deferred payment of 45 days

Business trips 24/7 - designed for convenient payment of travel expenses. It can be issued in the name of one of your employees. The card offers free SMS notifications, free replenishment at Raiffeisenbank ATMs and discounts from partners

You can order the issue of any corporate card through Internet banking. Here you can manage transaction limits and track the status of your accounts.

The salary project at Raiffeisenbank will help you transfer salaries to your employees faster. You can connect it at any bank branch - just sign an agreement and provide information about employees. Raiffeisen will issue and deliver the required number of salary cards.

Payroll transfers via Internet banking are fully automated. It is enough to create the register once and create the corresponding payments. You can generate several payments for employees with different salary amounts. The money is transferred immediately after sending the register.

As part of the salary project, the bank issues debit cards in the Visa, MasterCard and MIR payment systems. They are issued and serviced completely free of charge, offer discounts in Raiffeisen partner stores and free cash withdrawals from ATMs of the partner network. Managers have access to “Gold” and “Premium” service packages with extended privileges from the bank and payment systems.

Raiffeisenbank offers its clients trade and Internet acquiring. Using them, you can accept payments from bank cards of popular systems. The bank uses its own processing center, which ensures high security for all transactions.

When connecting trade acquiring, the bank provides all the necessary equipment for rent. Its cost depends on the size of turnover at the outlet. The bank will deliver and connect terminals free of charge, conduct staff training and provide advice on controversial issues. You will also be able to participate in the bank's discount program.

Internet acquiring is connected for free - the bank will help you embed a payment module on your website. Raiffeisen supports working with popular CMS and provides an API for web developers. The commission for Internet acquiring is fixed and does not depend on turnover or payment methods. The buyer will receive an electronic check in accordance with the requirements of Federal Law-54.

Acquiring tariffs:

Electronic services

For remote banking services, Raiffeisenbank uses its own development - the Elbrus client bank. It offers convenient tools for managing your current account, a customizable interface and high security for all transactions. You can use SMS passwords or a USB key to log into the bank and confirm transactions.

Internet banking provides all the necessary functions - managing a current account, receiving and sending payment orders, exchanging documents with the bank, filling out applications for other services. It is compatible with programs from 1C - you can import and export documents at any time. You can contact the bank's support service via online chat - it is open from 9:00 to 18:00 Moscow time. If you have several accounts in Raiffeisen, you can use a common login for them.

Since July 2019, a built-in accounting service has appeared in Raiffeisenbank’s Internet bank. It connects for free on any tariff.

So far, the service can only calculate and pay taxes, and remind about payments. Its functionality will be gradually expanded in accordance with the tax calendar - for example, by the end of the year, tools for creating and sending electronic declarations will be added.

For operational account management, Raiffeisenbank provides a mobile application for devices based on iOS and Android. Using it, you can track account transactions, process payments and send details to counterparties. To log into the mobile application, the same data is used as for online banking.

Raiffeisenbank provides high-quality settlement and cash services.

Representatives of small businesses can manage their accounts remotely using convenient online banking and receive a discount on maintaining a bank account when making an advance. Several RKO tariff plans and a lot of additional services are available to clients.

Conditions for opening a current account for private entrepreneurs

You can reserve a bank account number through the official banking website. For this purpose, the client fills out a special electronic application form. Details are provided within 5 minutes after sending the relevant request.

The account is opened for free. Depending on the specifics of the entrepreneur’s activities and monthly turnover, the bank offers a choice of 4 RKO tariff plans.

Multifunctional Internet banking and a convenient application for gadgets are used to manage finances.

The table below lists the tariffs for opening a current account with Raiffeisenbank for individual entrepreneurs engaged in business activities in the capital or the Moscow region.

Tariff plan characteristics	"Start"	"Base"	"Optimum"	"Maximum"
limit of free external payments per month	absent
cost of payment after the limit is completed
monthly limit on transferring money to counterparties without commission	up to 30 thousand ₽	up to 200 thousand ₽	up to 500 thousand ₽	up to 700 thousand ₽
monthly mobile banking service fee		absent
monthly fee for the “SMS for Business” service			absent
fee for maintaining an account per month

Prices for bank services in other regions may vary. For example, the monthly fee for maintaining a personal account under the “Start” tariff in St. Petersburg is 990 rubles, and in Kaliningrad – 790 rubles.

You can get acquainted with the tariffs available in your locality using a special one.

If necessary, the RKO tariff plan can be changed. The cost of the transition is 1 thousand rubles.

Clients can receive a “Business 24/7” payment card linked to a bank account. It is designed to replenish your balance and quickly receive cash through ATMs.

When making an advance payment, an entrepreneur can be serviced for 3-6 months free of charge. The discount is provided to customers who choose any RKO tariff plan.

How to open a current account for an individual entrepreneur in Raiffeisenbank?

A private entrepreneur or his legal representative can contact any territorial office focused on working with business clients and declare his intention to register a settlement account.

You will need to have a certain package of documentation with you. If the manager has been provided with all the necessary papers, a corresponding agreement is concluded with the individual entrepreneur.

Documents for opening an individual entrepreneur current account

The following documentation must be provided to the bank office:

• card with sample signatures and seal imprint;
• filled ;
• entrepreneur's passport;
• certificate of registration with the Federal Tax Service;
• a notarized power of attorney issued in the name of the representative (when contacting the office of the authorized representative).

The individual entrepreneur application form is issued by the manager. If necessary, the form can be downloaded here or found on the official banking website. The agreement on registration of the account is signed in two copies in the presence of a specialist after checking all the documents listed above.

In some cases, the manager requests additional papers, for example, an extract from the Unified State Register of Individual Entrepreneurs, a certificate from Rosstat on the assignment of statistics codes, etc. As a rule, the information contained in these documents is freely available, so the bank can obtain it independently.

If you have any questions regarding the registration of a bank account with Raiffeisenbank, please contact the nearest branch or call 8-800-700-46-46.

Acquiring for business development

You can increase the average check size, expand your customer base and speed up the checkout process with the help of merchant acquiring.

Raiffeisenbank offers connection to the service for only 1 ruble. Installation of POS equipment is free of charge. The support service works around the clock, so any problems that arise are resolved instantly.

The equipment accepts cards with the following payment systems:

• Visa;
• American Express;
• MasterCard;
• "WORLD".

The cost of the subscription fee is determined personally. The rate provided by the bank is 1.99% of the payment amount.

Private entrepreneurs who trade via the Internet or have a website can set up Internet acquiring to receive payments remotely.

Activation of the service is free of charge within 4 days from the date of application. The rate is fixed – 2.7% of turnover. Revenue is credited to the account within one business day.

Lending from Raiffeisenbank

Depending on the monthly income of the individual entrepreneur and the purposes for using borrowed funds, the bank offers several lending programs.

You can receive up to 2 million rubles in two days without providing collateral by choosing an Express loan.

Do you need money regularly in case of cash gaps?

Sign up for “Easy overdraft” at a rate of 0.1% per day and with a five-day interest payment period.

You can view the full list of lending programs on the official website of Raiffeisenbank.

Have you contacted Raiffeisenbank before?

YesNo

Check out bank offers

RKO in Tochka Bank.

Open an account

More about the current account

• Opening an account is free in 10 minutes;
• Maintenance – from 0 rubles/month;
• Free payment cards – up to 20 pcs./month.
• Up to 7% on account balance;
• Overdraft possible;
• Internet banking – free;
• Mobile banking is free.

RKO in Raiffeisenbank.

Open an account

More about the current account

• Opening an account is free in 5 minutes;
• Maintenance – from 490 rubles/month;
• Minimum commissions.
• Registration of salary cards is free;
• Overdraft possible;
• Internet banking – free;
• Mobile banking is free.

RKO in Tinkoff Bank.

Open an account

More about the current account

• Free opening of account in 10 minutes;
• The first 2 months are free of charge;
• After 2 months from 490 RUR/month;
• Up to 8% on account balance;
• Free accounting for individual entrepreneurs on Simplified;
• Free Internet banking;
• Free mobile banking.

RKO in Sberbank.

Open an account

More about the current account

• Opening an account - 0 rub.;
• Maintenance – from 0 rubles/month;
• Free “Sberbank Business Online”;
• Lots of extra services.

More about the current account

• 0 rub. opening an account;
• 0 rub. Internet banking and mobile banking for account management;
• 0 rub. issuing a business card for depositing and withdrawing cash at any ATM;
• 0 rub. first deposit of cash into the account;
• 0 rub. tax and budget payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
• 0 rub. account maintenance if there is no turnover.

RKO in the Eastern Bank.

Open an account

More about the current account

• Opening an account is free;
• Reservation in 1 minute;
• Internet banking and mobile application are free;
• 3 months of service free of charge;
• after 3 months from 490 rub./month.

RKO in LOKO Bank.

Open an account

More about the current account

• Opening an account is free;
• Reservation in 1 minute;
• Maintenance – from 0 rubles/month;
• Cash withdrawal from 0.6%;
• Free terminal for acquiring;
• Internet banking and mobile application are free.

RKO in Expert Bank.

Open an account

More about the current account

• Account maintenance - from 0 rub./month.
• Cash withdrawal (up to 700 thousand rubles) - free
• Up to 5% on account balance
• The cost of payment is from 0 rub.

RKO in Unicredit Bank.

Carrying out settlement and cash transactions is an integral part of every business; the speed of opening an account and the availability of a range of necessary services at reasonable prices are important for every entrepreneur. Raiffeisenbank RCO tariffs for individual entrepreneurs start from 990 rubles per month, which is very attractive for small businesses. The bank can also offer a full range of services for large companies.

RKO from Raiffeisen Bank provides for opening a current account and servicing it. As well as a whole range of services that are necessary for both small businesses and large companies:

Why legal entities choose cash settlement services from Raiffeisen Bank:

• This is a large and reliable international bank, one of the TOP10 in the Russian market;
• Payments are made quickly, without delays;
• It is possible to reserve an account number after filling out an application on the website;
• Account opening is possible in any currency;
• There is no additional fee for opening multiple accounts;
• The bank can collect and transport money/valuable goods;
• Reasonable cost for Raiffeisenbank small business cash settlement services, as well as comprehensive satisfaction of all the needs of the LLC;
• Updated Internet banking is available to everyone; through their personal account, users can view their balance and transaction history, sign payments using SMS and a USB token, create templates and import payment cards from 1C, create reports and upload them to 1C.

What is needed to connect to the service. Terms and documents

Applying for cash settlement at a bank is quite simple and quick; you can fill out an application on the Internet in 10 minutes, reserve an account number and receive details.

Procedure for registration of RKO:

1. On www.raiffeisen.ru, select the RKO section and click Open account;
2. Fill out an online application (example in the figure below): phone number, company name, TIN, type of organization, full name, e-mail, city, branch number;
3. You can order a call for additional consultation, a specialist will contact you within 10 minutes;
4. After agreeing on the terms, the account will be reserved (available for residents of the Russian Federation and individual entrepreneurs), and the details will be sent by email;
5. A mandatory step is account activation; this can be done at a bank branch or you can arrange a visit with the manager.

List of documents for signing the contract:

1. For individual entrepreneurs:

• Statement;
• A copy of the entrepreneur's passport;
• Extract from the Unified State Register of Individual Entrepreneurs.

1. For residents of the Russian Federation:

• Statement;
• Constituent documents;
• Samples of seals;
• The decision to appoint a manager, his passport;
• Confirmation of the authority of persons who can sign documents, their passports;
• License.

1. For non-residents, you additionally need a Certificate of Registration of a Foreign Organization and possibly other documents at the request of the bank.

Tariffs and service fees

Raiffeisenbank offers clients comprehensive tariff offers that can meet the needs of each company.

Rates may vary slightly in different regions. On the website you can select your region and download a detailed tariff book, please note - from 05/28/2018. updated version is in effect.

Raiffeisenbank cash settlement tariffs for legal entities (Moscow):

1. For beginners – Start – 990 ₽/month;
2. Basic – 1900 ₽/month;
3. Optimum – 2900 ₽/month;
4. Maximum – 7500 ₽/month.

Tariffs differ in the number of free payments to counterparties - from 0 to 300 transactions, each transaction over the limit is paid separately - 25 rubles / piece. The limit on the amount available for transfer to cards of individuals also varies – 100-700 thousand rubles.

All tariff plans provide for opening a current account, access to the Internet and mobile banking, only in the starter package for mobile banking, if desired, you need to pay 190 ₽/month. The two most expensive packages provide an SMS service for business, as well as the opening of corporate cards and privileges for an executive - the Gold service package (5% cashback at gas stations, free account opening and travel insurance).

For all company accounts at Raiffeisen Bank, you can choose only one tariff plan. You can change it without restrictions at any time, the cost of such a service is 1000 rubles.

Raiffeisenbank, which appeared in Russia since 1996, is the largest foreign group in our country. It provides a wide range of services to all segments of the population, paying special attention to business clients.

Banks of this group appeared in the middle of the 19th century, so they managed to gain trust and establish themselves on the positive side.

Advantages of settlement and cash services at Raiffeisenbank

Both individuals and organizations that are residents and non-residents of the Russian Federation can register a settlement account in Russian or foreign currency.

Raiffeisenbank guarantees its clients:

• prompt consideration of the application;
• free account registration;
• online booking of account details in 5 minutes;
• convenient and multifunctional Internet banking;
• 24/7 support service;
• a wide range of additional options (for example, currency control, collection service);
• providing a discount of up to 25% when paying for the tariff service in advance.

Additionally, the bank offers to apply for a loan for business development, connect acquiring to accept bank cards, order a salary project, take part in auctions and tenders, receive a business card, etc.

When paying a subscription fee for 12 months in advance, the client is served for three months free of charge. Have you paid 2 years in advance for your tariff? In this case, the bank provides six months of free account maintenance.

Tariffs for cash settlement services at Raiffeisenbank

The bank offers four main tariff plans, the terms of service of which depend on the place of registration of the business. To find out what the cost of a specific service package is in your locality, you need to contact a specialist at 8-800-700-91-00 or visit the nearest office.

Below are the conditions for servicing the tariffs offered by the bank in the capital, St. Petersburg and the Moscow region.

Tariff plan characteristics	Package of services
	"Maximum"	"Optimum"	"Base"
Remote maintenance of account	mobile and internet banking, “SMS for Business” (no payment required)		free mobile and internet banking, “SMS for Business” for 190 rubles per month	free internet banking, “SMS for Business” and mobile banking for 190 rubles per month
Cost of monthly service fee	7,500 rubles	2,900 rubles	1,900 rubles	990 rubles
Number of free external operations per month	300 pieces (the rest are 25 rubles)	60 pieces (the rest are 25 rubles)	10 pieces (the rest are 25 rubles)	25 rubles for each payment transaction
Monthly limit on transferring money to individuals without commission	700,000 rubles	500,000 rubles	200,000 rubles	100,000 rubles
Fee for recounting and depositing cash	0.25% of the amount (the fee cannot be less than 290 rubles)
Cost of switching to another tariff	1,000 rubles (one-time)

You can get acquainted with the RKO tariff plans from Raiffeisenbank for legal entities and individual entrepreneurs and the terms of service for the settlement account using the special one presented on the bank’s website.

How to open a current account in Raiffeisenbank for an individual entrepreneur or LLC?

Is there a bank branch in your locality? Prepare certain documents for registering an account and contact the office to apply for the required service.

The manager will provide the forms required to fill out, for example, a client questionnaire. You can find your nearest branch using this online map.

It is possible to open a current account with Raiffeisenbank for LLCs and individual entrepreneurs remotely by following the instructions below:

1. fill out the fields of the electronic request form;
2. wait for the specialist’s response;
3. reserve an account number and find out what documents will be required to complete the transaction;
4. sign the appropriate agreement by meeting with a bank representative at a convenient location or at the nearest bank branch.

In the online application form for a current account at Raiffeisenbank, you must indicate the applicant’s status, telephone number, TIN, name of the organization (if the account is issued for a legal entity), name of the city of registration of the business and address of the bank office for signing the agreement.

As a rule, a specialist calls the applicant within 10 minutes after sending an online request. The maximum waiting time is one business day.

Documents for opening a current account with Raiffeisenbank

A private entrepreneur undertakes to provide the office with a minimum set of documentation for signing an agreement on registration of a bank account and banking services - a passport, a card with samples of signatures and seals, licenses, certificates and patents (if available).

In this case, the manager has the right to additionally request an extract from the Unified State Register of Individual Entrepreneurs, a certificate from Rosstat, a certificate of registration with the Federal Tax Service and other papers.

Legal entities are required to prepare:

• Charter;
• a card with sample signatures and seal impressions;
• documentation confirming the authority of the head of the organization;
• passports of persons who have access to finance on a bank account;
• patents, licenses and permits (if available);
• list of co-founders of a legal entity.

The manager also has the right to request additional papers from a representative of the organization, for example, extracts from the Unified State Register of Legal Entities, certificates from Rosstat, etc.

Check the list of documentation required in your case with a bank employee by phone, via online chat or when visiting the office.

Reviews about cash settlement services in Raiffeisenbank

Alexey, Belgorod

The most convenient online banking I've ever seen! The interface is clear, managing your account is easy, there are no fees for use, and there are many useful functions. I work through a Mac and have never had any problems. In general, I like Raiffeisenbank. The bank is reliable, so I opened a current account there without hesitation.

Anton, Anapa

I have had a current account with Raiffeisenbank for a long time. Among the main advantages, I can highlight the quick consideration of any questions over the phone, instant intra-bank payments, free transfers to individuals, a profitable salary project and acquiring, as well as an accessible overdraft. Considering all the advantages, the cost of maintaining the account is low, because you can save a lot by paying the subscription fee in advance, which is what I do.

Love, Irkutsk

I applied through the website and received my account details within an hour! I liked that the manager over the phone explained in detail what advantages and features each service package offered by Raiffeisenbank has. I have been a client of the bank for almost six months and am glad that I opened an account here. Affordable prices, excellent quality of service, convenient Internet banking - everything for business development!

Are you going to open a current account?

YesNo

Check out bank offers

RKO in Tochka Bank.

Open an account

More about the current account

• Opening an account is free in 10 minutes;
• Maintenance – from 0 rubles/month;
• Free payment cards – up to 20 pcs./month.
• Up to 7% on account balance;
• Overdraft possible;
• Internet banking – free;
• Mobile banking is free.

RKO in Raiffeisenbank.

Open an account

More about the current account

• Opening an account is free in 5 minutes;
• Maintenance – from 490 rubles/month;
• Minimum commissions.
• Registration of salary cards is free;
• Overdraft possible;
• Internet banking – free;
• Mobile banking is free.

RKO in Tinkoff Bank.

Open an account

More about the current account

• Free opening of account in 10 minutes;
• The first 2 months are free of charge;
• After 2 months from 490 RUR/month;
• Up to 8% on account balance;
• Free accounting for individual entrepreneurs on Simplified;
• Free Internet banking;
• Free mobile banking.

RKO in Sberbank.

Open an account

More about the current account

• Opening an account - 0 rub.;
• Maintenance – from 0 rubles/month;
• Free “Sberbank Business Online”;
• Lots of extra services.

RKO in VTB.

Open an account

More about the current account

• Opening an account – free of charge in 5 minutes;
• 3 months of service 0 rubles;
• Transfers and cash transactions - 0 rubles;

More about the current account

• 0 rub. opening an account;
• 0 rub. Internet banking and mobile banking for account management;
• 0 rub. issuing a business card for depositing and withdrawing cash at any ATM;
• 0 rub. first deposit of cash into the account;
• 0 rub. tax and budget payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
• 0 rub. account maintenance if there is no turnover.

RKO in the Eastern Bank.

Open an account

More about the current account

• Opening an account is free;
• Reservation in 1 minute;
• Internet banking and mobile application are free;
• 3 months of service free of charge;
• after 3 months from 490 rub./month.

RKO in LOKO Bank.

Open an account

More about the current account

• Opening an account is free;
• Reservation in 1 minute;
• Maintenance – from 0 rubles/month;
• Cash withdrawal from 0.6%;
• Free terminal for acquiring;
• Internet banking and mobile application are free.

RKO in Expert Bank.

The choice of bank for carrying out commercial activities has a direct impact on its success. If you open a current account with Raiffeisenbank, you will cooperate with an organization that has a century and a half history, traditions, and values ​​its image.

Its history begins in the 19th century and is associated with the name of Friedrich Wilhelm Raiffeisen, the mayor and author of the idea of ​​cooperative mutual assistance. He was widely involved in charity work: he opened schools, free bakeries, built a printing house, and a federal road. Beginning in 1864, he established a group of cooperative banks as an alternative to the moneylenders from whom peasants took out loans at high interest rates.

Later they were named after him, open today in Germany, Italy, Austria, Russia and other countries. The emblem is a sign of two crossed horse heads, symbolizing economic security.

Raiffeisenbank appeared in Russia in 1996.

Advantages of opening a current account with Raiffeisenbank

By choosing Raiffeisenbank, you can count on its strict fulfillment of its promises, assistance, staff consultations, and attentive attitude towards clients who are just mastering the path of an entrepreneur. Proper organization of work will save time for experienced businessmen.

The institution has modern technologies in its arsenal that allow you to use its services from the office or from a mobile phone.

The client is offered an overdraft, 24/7 cards issued free of charge, various benefits that compensate for the burden of paying for cash settlement services, and connection to the Bank-Client systems without additional payment.

Tariffs for cash settlement services at Raiffeisenbank for 2018

At Raiffeisenbank, when opening a current account for an individual entrepreneur, you can choose tariffs that are optimally suited to the type of activity and production volumes.

If the turnover does not exceed 500 million rubles, a tariff schedule will be applied for small businesses, and if more, for medium and large businesses.

By paying for the tariff package for a year at once, you will receive 3 months of free service, and if you pay for 2 years at once - 6 months.

You can use even more favorable rates by working in an online bank; all the same operations will be available from the office as in the branch.

Funds are debited automatically and reflected in the bank statement. If several accounts are opened, then if there is no money in one, the bank can write off money from any other account, including foreign currency.

Cash issuance is made by pre-order at the branch's cash desk until two o'clock in the afternoon.

When closing the account, the balance can be withdrawn without commission.

When choosing a new tariff service package, the management of an individual entrepreneur or LLC can submit a corresponding application using the Bank-Client system and send it electronically.

Important! Please note that you can choose only one tariff plan for all accounts opened with Raiffeisenbank.

The client’s consent is not required to increase service prices, but he is notified of them 10 days before their introduction.

Taxes and mandatory payments to various funds are carried out without commission.

Examples of service prices for LLCs and individual entrepreneurs

Rate	Monthly payment, rub.	Mobile bank client, r.	"Business 24/7-Optimal", p.	Number of payments for which no fee is charged	Internet banking connection
"Maximum"	7500	included	included	300	Internet banking + SMS for business
"Optimum"	2900	included	included	60	—
"Base"	1900	included	390	10	Internet bank
"Start"	990	190	390	0	—

How to open a current account at Raiffeisenbank?

To open a current account, you need to go to the nearest branch with your passport and a package of necessary documents. You need to call in advance to find out exactly the opening hours and branch address.

Opening an account online

If you want to open an account with Raiffeisenbank from your computer, go to the official website and submit an online application to reserve an account.

It indicates the name of the organization, TIN, city, email address, bank branch located near you, telephone number for contact. An email will be sent to you with the details of your booked account.

A package of documents for opening a current account in Raiffeisenbank for individual entrepreneurs and LLCs

To open an account, an individual entrepreneur fills out a form, indicating detailed information about himself and his activities:

• passport data;
• place of registration, residence;
• contact information;
• field of activity;
• annual turnover;
• existence, types of debts;
• nature of operations;
• availability of licenses;
• source of funds.

The application is signed in the presence of bank employees. The individual entrepreneur's representative will need a notarized power of attorney confirming the right to act on behalf of the individual entrepreneur.

An application for acceptance of the card with sample signatures is written, the COP is certified by the bank or by a notary.

The notary office will certify a copy of your identity card; to open an account, you will need to take with you your passport, special permits that give you the right to practice law, notarial practice, etc.

Procedure for opening a current account for an LLC and required documents:

1. The form is filled out. It provides information about registration and legal address.
2. Appendix 1 to the questionnaire discloses information about the ownership structure of the legal entity. persons, and in Appendix 2 - data of the offshore client.
3. An application for concluding an agreement is written in the presence of a bank employee according to the sample, signed, and sealed. It indicates whether the client will use an overdraft, preferential cards, and what package of services he chooses. The applicant agrees to receive and process information about him. Company employees must submit a power of attorney certified by the company.
4. The bank account agreement describes the terms of cooperation, the responsibilities of the parties, etc.
5. A copy of the Charter, certified by the registration authority or notarized, is submitted.
6. A card with sample signatures and seal imprints is drawn up, and an application for registration of the COP is written.
7. The signatures on the card are certified by a bank employee or by a notary.
8. Documents confirming the powers of the sole executive body (single executive body: director, chairman, etc.).
9. The decision of the competent management body of the Client on the election (appointment) of a sole executive officer, certified by a notary.

Advantages of Raiffeisenbank for individual entrepreneurs

At Raiffeisenbank you can quickly open a current account for an individual entrepreneur, choose the best tariffs, and then work from home or office. Entrepreneurs with sufficient turnover will be able to take advantage of profitable lending programs:

1. "Express". Under the program, you can take out a loan of up to 2 million rubles. without collateral, it will be issued in 2 days.
2. “Classic light” – up to 5 million rubles. provided for 5 years.
3. “Easy overdraft” – up to RUB 100,000. in 5 minutes.
4. “Overdraft” – up to 1.2 million rubles.

It is possible to profitably refinance loans taken from other banks.

Terms of provision of the “Easy Overdraft” program

When opening an account, you can become a participant in the “Easy Overdraft” program, which provides quick loans under certain conditions when there are not enough funds to pay payment documents.

An overdraft is not allowed to be issued to repay loans, interest, or penalties. Otherwise, it is a convenient system and effective assistance provided during short-term breaks between the receipt of money and payments.

Many individual entrepreneurs become participants in the METRO-overdraft programs using a co-branded METRO card, for which the bank issues discounts.

Advantages of Raiffeisenbank for LLC

The bank offers a choice of various packages: “Maximum”, “Optimum”, “Basic”, “Start”, with service costs starting from 740 rubles. up to 7500 rub.

Depending on the chosen tariff, you have the opportunity to use the services of online banking, mobile banking, and send payments to partners for free. The “Business 24/7” card is connected, with its help you can withdraw cash from an ATM from the company’s account at any time of the day.

The gold package for the manager includes Cashback from the gas station of 5%, i.e. when purchasing gasoline, this amount will be reimbursed.

It is profitable to open a current account for an LLC at Raiffeisenbank, since legal entities enjoy flexible service tariffs, the cost of which includes: opening and maintaining an account, transfer of wages according to a statement, monthly subscription fee for servicing the Bank-Client system, etc. services.

LLCs have the opportunity to obtain loans for investment, development, repayment of payment gaps, and refinancing.

Upon request, a “Business Travel 24/7” card is provided to pay for hospitality and travel expenses. The card helps control employee expenses, simplifies the work of preparing reports, eliminates the possibility of providing fictitious checks, and reduces the risk of losing money or being robbed while traveling.

Using a travel card, the service cost of which is only 100 rubles. per month, you can receive discounts using the services of Raiffeisenbank clients.

RKO (settlement and cash services) at Raiffeisenbank

To open an account, you can submit an application online, and most operations do not require visiting the bank. You can use the services of online banking, mobile banking, SMS for business.

Information on completed transactions, balances, creation of payment slips using templates, and generation of reports in 1C are provided online. This saves a huge amount of time and helps the chief accountant avoid errors in calculations.

Currency control and foreign trade activities

Raiffeisenbank provides a wide range of services for currency control in the activities of individual entrepreneurs and LLCs for residents and non-residents of the Russian Federation.

The bank provides comprehensive support in the preparation of settlement documents, transaction passports and support for foreign trade activities.

Clients will receive assistance from specialists in matters of currency legislation, and using the R-Dealer currency application they can make transactions with the bank to convert funds at any time of the day. If you purchased currency, transfer to accounts in other organizations will be free of charge. When exchanging large amounts, you can request a more favorable rate from the trader.

Salary project

Individual entrepreneurs and legal entities can take advantage of the “Salary Project”, according to which a plastic card will be issued for each employee to transfer salaries.

To do this, a statement with accruals is submitted to the bank. This saves a lot of time in receiving money in cash, issuing it at the company’s cash desk, and reduces the risk of robbery and mistakes to zero.

The Agreement is drawn up at Raiffeisenbank, and a power of attorney from the employees is provided.

Calculated taxes and payroll charges can be sent online from the office, and employees will receive their salaries on their cards.

Acquiring

Acquiring allows LLCs and individual entrepreneurs to connect an online store, check the movement of funds, perform transactions without visiting the bank, the client is provided with a monthly report on the results of transactions, and high security of transactions is ensured. The bank will install terminals at retail outlets and provide information and support.

Payments are accepted around the clock using plastic cards, and a three-step security system is used.

Additional features

Raiffeisenbank provides all modern capabilities for remote servicing of clients, who can check their account status and perform transactions from computers, smartphones and tablets.

Internet banking

To connect to the RAIFFEISEN BUSINESS ONLINE Bank-Client System, contact the bank with an application, sign the Agreement, and receive a PIN envelope to activate the service.

Bank-Client ELBRUS allows you to combine work with 1C software, send payment orders, use directories, receive account statements, apply for loans, you can work from the office or anywhere in the world.

Mobile bank

ELBRUS Mobile - a mobile bank for business - can be connected independently on the Internet, at bank offices, or ordered at the Information Center.

From your smartphone you can easily track account movements, information about your available balance, find the nearest branches and ATMs, and perform SMS confirmation of transactions.

Individual entrepreneurs and LLCs, by opening a current account with Raiffeisenbank, can pay cash settlements at flexible rates, refinance loans from other banks, receive loans for investments and ongoing activities. You can manage your finances from your office computer, smartphone, tablet, which allows you to save time and avoid errors in accounting and when making cash transactions.

The bank provides consulting support for foreign trade activities, acquiring, connecting new services, and any issues that arise in the process of collaboration.