Opening an account

The question of opening the current account rises immediately after the registration of a company. Thus, each legal entity or individual entrepreneurs, as a rule, has its own account. Meanwhile, not all organizations are ready to assist banks in providing such services. If you are going to open a bank account, primarily to determine the financial institution that will serve you and to gather a list of required documents. Regarding the first, when choosing a bank should pay attention to the full cost of servicing the account. This includes opening the account, the cost of a monthly account maintenance, the cost of processing the payment order and the cost of cash management services. Once the issue is resolved with the bank, you can go to the collection of documents. Usually the requirements for the package of documents in all the banks standard and they differ only those who are going to open a bank account: a legal entity or individual entrepreneurs. For legal persons: - Application for opening an account - a passport director - customer profile, which is issued by a bank - a copy of the protocol on the appointment of the Director General (certified by the company's seal) - A copy of the order appointing the chief accountant (certified by the company's seal) - copy of the Charter, certified by a notary - a copy of BIN, TIN enterprise - an extract from the register. Need to order the tax. Help is available within 5 working days for free or for a day upon payment of registration fee - a license to engage in activities - a certificate of state registration of legal entity - a letter from the State Statistics Committee on assigning codes - bank cards with specimen signatures of the director and chief accountant, and the seal - a copy of the lease of uninhabited premises to verify the legal address (not always required). For PIs: - The application for opening an account; - Passport Director - documents confirming the authority of persons to manage money in the account (as indicated on the card) - a certificate of registration in tax inspection - the certificate of registration of IP - license issued to engage in business activities. However, even with all the documents to open a bank account is not always easy. In this case, most problems arise from legal entities. For example, if the legal entity is not declared at the actual location or to the address registered a huge number of other entities. In this situation, the bank may require documentary evidence of the location of legal entity or to arrange a field audit. The reason for refusal can also be a lack of documents confirming the legal status or incomplete / inaccurate information. Worse only if the legal person fell into the "black list" of applicants. It must be remembered Once the account has been opened, you must send to the tax authority a notice of opening of account. It must be done within seven calendar days. In this case, the message about opening a current account indicates a firm that did it, BIN, TIN, bank details and account himself. If the required information will not be disclosed to the competent authorities within the specified period will have to pay a fine.