Momwe mungatsegule akaunti yapano - malangizo amomwe mungatsegule akaunti yomwe ilipo kwa onse omwe akuchita bizinesi ndi ma LLC + mwachidule mabanki a TOP-8, komwe kuli kopindulitsa komanso kutsegulira akaunti yakubanki m'mabungwe
Moni, owerenga okondedwa a Magazini azachuma a Ideas for Life! Munkhaniyi, tikukuwuzani momwe zingakhalire zopindulitsa kutsegula akaunti ya omwe akuchita bizinesi ndi ma MDS, ndi zikalata ziti zomwe zingafunikire kutsegula akaunti ndi mabanki ati omwe amapereka ntchito zotsegulira ndikusungitsa maakaunti a omwe akuchita bizinesi ndi mabungwe.
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
Kuchokera m'nkhaniyi muphunzira:
- Chifukwa chiyani munthu aliyense wochita bizinesi ndi LLC atsegule akaunti yapano;
- Mwamsangamsanga bwanji ndipo kuli bwino kuti mutsegule akaunti yapano;
- Ubwino ndi mawonekedwe a akaunti yakubanki ya kampaniyo.
Onse omwe ali ndi makampani akuluakulu ndi ang'onoang'ono, onse mabizinesi ndi oyang'anira mabizinesi ndi mabungwe akuyenera kudziwa za akaunti yapano.
Ngati mukufuna kudziwa momwe mungatsegule akaunti yanu mwachangu komanso mopindulitsa, werengani nkhani yomwe ili pansipa. Ndiye tiyeni tizipita!
Momwe mungatsegule akaunti yapano kwa wochita bizinesi kapena LLC ndi zolemba ziti zomwe zingafunike kuti mutsegule akaunti yapano ku banki - werengani nkhaniyi
1. Kodi akaunti yapano ndiyotani ndipo ndiyotani - tanthauzo + la p / s 📋
Malinga ndi malamulo a Russian Federation, mabungwe onse azamalamulo amatha kusunga ndalama zawo ku banki yapano.
Kuwona akaunti - Iyi ndi akaunti yakubanki yomwe ili ndi nambala yapadera yomwe imaperekedwa kwa kasitomala kuti amuzindikire, chifukwa cha ndalama zomwe sanachite ndalama pochita bizinesi, kulipira misonkho ndi ndalama zina.
Maakaunti amatha kutsegulidwa kwa mabungwe azovomerezeka (sole proprietorship, LLC, ndi ena) komanso kwa anthu. Chofunikira kwambiri pa akaunti yapano ndikuti imatsegulidwa kuti ichitepo malonda (kapena zina).
Zabwino kudziwa: akaunti yapano siyotsegulidwa kuti ipeze ndalama; chiwongola dzanja sichimalipidwa (kupatula zochepa). Ndikofunikira pazomwe zikuchitika pakampaniyi.
Ubwino (+) wokhala ndi akaunti yapano
Kampani yomwe ili ndi akaunti yapano ili ndi izi:
Ubwino 1. Mkhalidwe walamulo
Kukhala ndi akaunti yakubanki kumawonjezera kampaniyo, kumawonjezera chidaliro cha omwe amapereka, ndikuwonetsa kuti kampaniyo ndiyodalirika komanso yokhazikika.
Ubwino 2. Kusungitsa mosamala ndalama zakampaniyo
Malipiro opanda ndalama amawerengedwa kuti ndi otetezeka kwambiri poyerekeza ndi ndalama. Kuthekera kolandila ndalama zabodza, kuba, kukakamiza anthu kulibe.
Ubwino 3. Kasitomala solvency
Kupezeka kwa zomwe zapezeka pa akaunti yapano kumatsimikizira banki za solvency ya kasitomala. Mukapempha ngongole, adzapatsidwa mwayi wokwanira. Kuphatikiza apo, sipadzakhala chifukwa choperekera umboni wazopindulitsa pantchitoyo.
Ubwino 4. Kuchita mwachangu komanso kosavuta
Kuthekera kwa intaneti kumalola kubweza pa intaneti, popanda kukakamizidwa kubanki. Malipiro amapangidwa tsiku ndi tsiku. Ndalamazo zimatamandidwa mwachangu, mu banki imodzi yopanda ma komiti ndi zina zowonjezera.
Mwayi 5. Malipiro apafoni
Mutha kulipira kulikonse ndi intaneti.
Ubwino 6. Kulamulira pakuyenda kwa ndalama
Kukhazikitsa kayendetsedwe kanthawi munthawi yolandila ndalama kuchokera kwa anzawo. Mukamagwiritsa ntchito intaneti, nthawi zonse mutha kuyang'ana ma risiti kuakaunti yanu.
Mothandizidwa ndi akaunti yapano, kampaniyo imatha kukonza maakaunti ndi omwe amapereka katundu, kulandira ndalama kuchokera kwa ogula, kulipira misonkho, kutaya ndalama chifukwa cha lipotilo, kulipira antchito, mabanja. zosowa, maulendo ndi zina, amalandira ndikubweza ngongole ndi zina zotero.
Zolemba ziti zomwe zidzafunike kuti mutsegule akaunti yakubanki yamalonda aliyense (IE) kapena kampani yocheperako (LLC) - mupeza zambiri
2. Zikalata zofunikira kuti mutsegule akaunti yapano kwa omwe akuchita bizinesi ndi LLC 📑
Mabanki ali ndi zofunikira zosiyanasiyana potsegulira maakaunti. Nthawi zina mabungwe obwereketsa ngongole amakhala otsatsa mwapadera kuti akope makasitomala, amatanthauza kupezeka kwa zikalata zosavuta.
Zofunikira pamabanki pazolemba mukatsegula akaunti yapano:
- Zolemba za bungwe: Zolemba za Association, lingaliro lokhazikitsa bizinesi (chisankho cha chisankho, ngati pali oyambitsa angapo), zolemba zoyanjana.
- Maudindo osankhidwa wotsogolera, wamkulu wowerengera ndalama (ngati kuli kofunikira).
- Mapasipoti a anthuyemwe adzakhala ndi ufulu wa siginecha yoyamba ndi yachiwiri ku banki.
- Chotsani kuchokera ku Unified State Register of Legal Instities kapena EGRIPidapangidwa kwakanthawi kosapitilira miyezi itatu.
- Mafunso okhudzana ndi kupezeka / kupezeka kwa ngongole pa misonkho ndi chindapusa.
- Mukamapereka zikalata ndi wovomerezeka, zikalata zotsimikizira ulamuliro wake.
- Zosindikiza (pamaso pa).
Kuti musunge nthawi, mutha kutsegula akaunti yapano kudzera pa intaneti, ndikutumiza kwanu kubanki zolemba zoyambirira.
Khadi lokhala ndi zitsanzo zosainira limadzazidwa ku banki. Muyenera kukhala osamala kwambiri mukamalemba siginecha yanu, zochitika zonse pa akauntiyo zidzachitika mtsogolomo, ndipo ngati siginecha ikuwoneka yosiyana ndi woyendetsa, zikalatazo zitha kubwezedwa osaphedwa.
Pofuna kusamutsa ndalama ku akaunti yapano, sikokwanira kungodziwa kuchuluka kwake. Zambiri za akaunti yakubanki ndizofunikira, zomwe zikuwonetsedwa mu mgwirizano wamaakaunti aku banki omwe adamalizidwa kasitomala ndipo banki.
Mabungwe onse azovomerezeka amayenera kutsegula akaunti yapano. Lamuloli limapereka mwayi wogwira ntchito osatsegula akaunti kwa okhawo omwe akuchita bizinesi (osachita bizinesi) omwe akugwira ntchito osatsegula bungwe lovomerezeka.
Komabe, pali malire pamlingo wambiri wazogulitsa ndalama mumtengo wa ma ruble 100 zikwi.
Mwachitsanzo: SP idasaina mgwirizano wopezeka kwa zinthu kuchuluka kwa ma ruble zikwi 500. Mutha kulipira pokhapokha mutasamutsa banki, ndipo wochita bizinesiyo adzakakamizidwa kutsegula akaunti yakomweko ku banki.
Ngati vutoli silikwaniritsidwa, ndiye kuti ofesi ya misonkho ikawunika, chabwino zidzakhala za amalonda payekha mpaka ma ruble zikwi 5, wa LLC mu Khumi (kakhumi) kupitirirapo... Mutha kuwerengera za misonkho yamalonda aliyense pano.
Malirewa sakukhudzana ndi ndalama zomwe amalandila pamalipiro, pakufotokozera, kulipira ndalama, pazosowa za wochita bizinesi (izi ziyenera kutsimikiziridwa).
Banki ikhoza kuyimitsa ntchito pa akauntiyi pempho la anthu ovomerezeka.
Kulanda kumatha kukhazikitsidwa paakaunti kapena kujambula makabati pamilandu yotsatirayi:
- Malipiro omaliza ku bajeti.
- Kuchedwa kulemba mafayilo amisonkho.
- Mlandu wa oweruza.
Mutha kutseka akaunti pazochitika izi:
- Chisankho cha munthu wovomerezeka.
- Kuchotsa kapena kukonzanso bungwe lalamulo.
- Bankirapuse.
- Chigamulo.
Ngati, potseka akaunti, pali ndalama zotsalira, pempho la anthu ovomerezeka, zimasamutsidwa ku akaunti ina kapena kuchotsedwa ndalama.
Masiku ano, mabizinesi akhoza kukhala ndi maakaunti angapo kubanki imodzi kapena zingapo.
3. Ndi banki iti yomwe ingatsegule akaunti yomwe ilipo kwa onse amalonda ndi LLC - njira zazikulu zisanu posankhira banki 📊
Popeza mwalembetsa kampani, muyenera kusankha kubanki momwe akaunti yapano itsegulidwira.
Tiyeni tiganizire njira zazikulu posankha banki kuti itsegule akaunti yapano.
Muyeso 1. Kukhazikika kwa omwe amapereka ngongole
Chitetezo cha ndalama za kampaniyo chimadalira kudalirika kwa banki.
Kumbukirani, kuti ndalama zomwe zilipo mu banki pano sizili ndi inshuwaransi ndi wina aliyense (mosiyana ndi madipoziti a anthu ena), ngati bankirapuse, kampaniyo ingadikire nthawi yayitali kuti ibwerenso ndalamazo.
Muyeso 2. Misonkho ndi ma komisheni (mtengo wantchito)
Gawo lachiwiri lofunikira pakusankha ndi dongosolo lamisonkho lomwe limagwiritsidwa ntchito kutsegula ndi kusunga akaunti. Kusiyana kwamitengo yamabanki osiyanasiyana kumatha kukhala kwakukulu zofunika, mosasamala za kuchuluka kwa ntchito zoperekedwa. Chifukwa chake, ndikofunikira kusankha dongosolo loyenera la msonkho.
Mabanki amatenga ntchito yotsegulira akaunti yapano, mtengo wake ungakhale kuchokera ku ruble 100. mpaka zikwi zingapo... Mutha kupeza malo obwereketsa omwe amapereka tsegulani akaunti kwaulere, koma ndalama zapamwamba zitha kulipidwa pantchitoyo.
Pansipa munkhaniyi tiona mitengo yabwino m'mabanki okhazikika komanso odalirika.
Muyeso 3. Kupezeka kwa Internet Banking
Banki yapaintaneti tsopano yakhala chinthu chofunikira pakugwiritsa ntchito bizinesi. Zimakupatsani mwayi wolipira mofulumira, mafoni, osapita kubanki.
Zofunika pezani malingaliro a makasitomala aku banki za banki ya intaneti yomwe ilipo, popeza dongosololi silingagwire ntchito ndipo silovuta kugwiritsa ntchito.
Muyeso 4. Zowonjezera chiwongola dzanja pa akaunti
Mabungwe ena obwereketsa ndalama amakhala ndi ntchito yolipira chiwongola dzanja pamalingaliro a ndalama muakaunti yapano... Izi nthawi zambiri zimachitika kwa makasitomala ofunikira ku banki, kuti akope ndikupeza ndalama zonse za kasitomala m'bungwe limodzi la ngongole. Chiwerengerocho nthawi zambiri chimakhala chophiphiritsa, koma chimakhala ndi malingaliro abwino.
Kodi kuli kopindulitsa kwambiri kutsegula akaunti yapano ya LLC ndi aliyense wazamalonda - kuchuluka kwa mabanki abwino kwambiri kuti atsegule akaunti yapano
4. Kodi kuli kopindulitsa kwambiri kuti mutsegule akaunti yomwe ilipo kwa wochita bizinesi kapena LLC - mabanki TOP-8 (omwe amagawidwa ndi mapulani a msonkho) 🏨
Mutha kusankha banki molingana ndi njira zosiyanasiyana, ndikofunikira kusankha pazofunikira kwambiri pakampani inayake. Ngati kampani ikufuna akaunti kokha kukhazikika ndi oyang'anira misonkho, simuyenera kusankha mabanki omwe ali ndi mafoni ndi intaneti.
Ndikusowa kwachuma kwanthawi zonse chifukwa cha bungweli, palibe chifukwa chosankhira ndalama ndi zomwe zapezeka pa akauntiyo.
4.1. Mabanki komwe mungatsegule akaunti yapano ya LLC komanso wochita bizinesi pa intaneti kwaulere komanso mwachangu - mabanki 4 amakono komanso anzeru
Mabanki achichepere omwe akupita patsogolo amapereka zikhalidwe zabwino kwa makasitomala awo. M'munsimu muli TOP-4 bank, komwe mungatsegule akaunti yapano kwa amalonda ndi ma LLC kwaulere komanso pa intaneti. Mabanki awa ndiotsogola kwambiri pamaluso ndipo ali ndi mitengo yokwanira yotsegulira ndikusunga akaunti yapano.
1) Bank Point (Kutsegula)
Banki ya Tochka imapereka chithandizo chofunikira kwa makasitomala, imasamutsa mabanki nthawi usana ndi usiku. Misonkho itha kukhala yosiyana m'malo osiyanasiyana kubanki. Mitengo yotsika mtengo kwambiri imaperekedwa ndi maofesi oimira ku Moscow ku banki. Amapereka ntchito zopezeka pa intaneti, kupeza mafoni, kusamutsa ndi kutsimikizira mnzake. Zoyipa zake zikuphatikiza kuchuluka kwamaofesi ndi maofesi oimira.
Banki ili ndi mapulani atatu amisonkho:
- Mtengo wotsika;
- Chuma;
- Bizinesi.
Misonkho yotsegula ndi kutumizira akaunti yapano ku Tochka (Opening) bank:
| Kukonza pamwezi | Kuchokera ku ruble 1.9 zikwi mpaka ma ruble zikwi 7.5. |
| Banki yapaintaneti Banki yam'manja Zidziwitso za SMS | +, mfulu +, mfulu +, mfulu |
| Mtengo wolipira | Kuyambira 30 rubles. |
| Kusamutsa ndalama kumakhadi | Kwaulere kudzera kubanki yanu |
| Kuchotsa ndalama | Ufulu kwa ndalama zina |
| Peresenti pamiyeso | Mpaka 8% pachaka |
Mutha kutsegula akaunti yakubanki tsiku limodzi ndikuigwiritsa ntchito nthawi yomweyo. Tsiku lokulirapo lowonjezera - kuchokera ku 00.00 mpaka 21.00.
Banki imapereka ntchito zopezeka pa intaneti, kupeza mafoni, kusamutsa ndi kutsimikizira kwa anzawo. Zomwe mafoni, malonda ndi intaneti akupeza, tidalemba m'nkhani yapitayi.
Zoyipa zake zikuphatikiza kuchuluka kwamaofesi ndi maofesi oimira banki.
2) Tinkoff Bank
Banki ya Tinkoff, malinga ndi kuwunika kwamakasitomala, imasiyanitsidwa ndi ntchito zabwino, kubanki kosavuta pa intaneti, komanso kutsegulira akaunti kudzera pa intaneti. Ndi banki yaying'ono yomwe ikupita patsogolo kugonjetsa msika wazachuma. Zoyipa zantchito yake ndikuphatikizanso kusowa kwa maukonde ambiri a nthambi.
Banki ili ndi mapulani awiri amisonkho: Zosavuta, Zotsogola.
Misonkho yotsegulira ndikusunga akaunti yapano ndi Tinkoff Bank:
| Kukonza pamwezi | Miyezi 2 kwaulere, kupitilira ma ruble 490. |
| Banki yapaintaneti Banki yam'manja Zidziwitso za SMS | + mfulu + mfulu + mfulu |
| Mtengo wolipira | Kuchokera ku ruble 29. |
| Kusamutsa ndalama kumakhadi | Zaulere pamakhadi akubanki. |
| Kuchotsa ndalama | 0,25% |
| Peresenti pamiyeso | 8% |
Nthawi yotsegulira itenga mphindi zochepa, akauntiyi itha kugwiritsidwa ntchito nthawi yomweyo. Banki yatero tsiku lalitali logwirira ntchito - kuchokera 7.00 mpaka 21.00
Zoyipa zantchito yake ndikuphatikizanso kusowa kwa maukonde ambiri a nthambi.
3) Modulbank
Gawo la banki limapereka pulani yaulere yamabizinesi ang'onoang'ono ndipo imagwiritsa ntchito mafoni mosavuta. Malinga ndi oyang'anira, ndalama zomwe zili mu maakaunti apano ndi inshuwaransi ya ndalama zokwana mpaka 1.4 miliyoni.Zoyipa za banki zimaphatikizapo netiweki yanthambi yomwe sinadulidwe, popeza bankiyi idakali yachinyamata, ilibe chidaliro chonse cha kasitomala.
Imapereka mapulani atatu amisonkho kutengera kuthamanga: Yambani, Optimum, Unlimited.
Mitengo yothandizira ndi kutsegula akaunti yapano ku Modulbank:
| Kukonza pamwezi | Malinga ndi misonkho yochokera ku ma ruble a 490. phukusi loyambira kwaulere. |
| Banki yapaintaneti Banki yam'manja Zidziwitso za SMS | + mfulu + mfulu + mfulu |
| Mtengo wolipira | Kwaulere kwa mapulani opanda malire, kwa ena ochokera ma ruble 19. |
| Kusamutsa ndalama kumakhadi | Mpaka 0,5% |
| Kuchotsa ndalama | Kwa mapulani abwino ndi opanda malire aulere, oyambira 1.5% |
| Peresenti pamiyeso | Mpaka 5% pachaka, kutengera kuchuluka ndi dongosolo la msonkho. |
Akaunti yakubanki imatsegulidwa tsiku limodzi, ngakhale mutha kuyigwiritsa ntchito nthawi yomweyo. Tsiku logwirira ntchito ndilotalika - kuchokera 9.00 mpaka 20.30.
Zoyipa za banki zikuphatikiza netiweki yaying'ono, popeza bankiyi idakali yachinyamata, ilibe chidaliro chonse cha kasitomala.
4) Bank UBRD (Ural Bank for Reconstruction and Development)
Ural Bank for Reconstruction and Development ikupereka dongosolo lamtengowu mosavuta. Chofunika ku banki ndikutha kuyitanitsa manejala kuti atsegule akaunti muofesi yanu.
Pali mapulani 5 othandizira:
- Phukusi lazamalonda 3 - Mfundo zonse kuphatikiza 3 miyezi;
- Phukusi la bizinesi 6 - Mfundo zonse kuphatikiza 6 miyezi;
- Phukusi lazamalonda 12 - Mfundo zonse zophatikiza miyezi 12;
- Paintaneti - nthawi yeniyeni;
- "Ndizosavuta" - kulipira kokha pazogulitsa maakaunti.
Kulumikiza tariffs ndi ntchito yolipira, imawononga kuchokera ku 2,5 zikwi za ruble.
Misonkho yotsegulira ndikusunga akaunti yapano ku banki ya UBRD:
| Kukonza pamwezi | Zaulere pamitengo yonse, kupatula mtengo wapaintaneti (ma ruble 450 a izi) |
| Banki yapaintaneti Banki yam'manja Zidziwitso za SMS | +, mfulu +, mfulu +, Mtengo wake ndi ma ruble 39. |
| Mtengo wolipira | Kuchokera ku ruble 25. |
| Kusamutsa ndalama kumakhadi | Kudzera ku banki yanu kwaulere |
| Kuchotsa ndalama | 1-3% |
| Peresenti pamiyeso | — |
Banki imatsegula akaunti pasanathe tsiku limodzi. Tsiku logwiritsira ntchito - kuchokera 9.00 mpaka 18.30.
Chofunika ku banki ndikutha kuyitanitsa manejala kuti atsegule akaunti muofesi yanu. Banki imapereka mapulani otsika mtengo, koma adalipira ma SMS akudziwitsa.
4.2. Akaunti yapano m'mabanki akulu kwambiri a Russian Federation - mabanki 4 odalirika komanso akulu
Tiyeni tiwone mwachidule mabanki akulu mdzikolo omwe ali ndi misonkho yotsegulira ndikusunga akaunti yomwe ili ndi mabungwe azovomerezeka.
1) Sberbank
Sberbank safuna kupereka ntchito mosakondera, imakopa makasitomala ndi ake kudalilikandi kupezeka kwa ambiri choyimira ndi maofesi... Chifukwa chake, misonkho yothandizira ndi kutsegula akaunti yomwe ilipo kwa onse amalonda, ma LLC ndi mitundu ina yamabizinesi ku Sberbank ndiokwera kwambiri.
Makasitomala okhawo "Ofunika" (VIP) aku banki omwe ali ndi chiwongola dzanja chabwino pa akaunti yawo yapano ndikugwiritsa ntchito zinthu zosiyanasiyana zamabanki omwe angadalire mawu osakondera.Monga bonasi, Sberbank ikupereka mwayi woti atsegule akaunti yachiwiri komanso yotsatirayi pa intaneti osayendera banki ndikupereka zolemba zina.
Kuti atsegule akaunti yapano ndi Sberbank, amapereka mapulani 6 amisonkho:
- Osachepera;
- Maziko;
- Chuma;
- Optima;
- Trade kuphatikiza;
- Malipiro.
Misonkho yotsegulira akaunti yapano ndikusamalira mabizinesi ndi ma LLC ku Sberbank:
| Kutsegula akaunti | Osachepera 1.5 zikwi ma ruble, mukalumikiza ku mapulani a Optima kapena Trade Plus, kutsegula kumaphatikizidwa ndi msonkho |
| Kukonza pamwezi | Kuchokera ku ruble 1.5 zikwi. |
| Banki yapaintaneti Banki yam'manja Zidziwitso za SMS | +, mfulu — +, mfulu |
| Mtengo wolipira | Kuchokera ku ruble 100. |
| Kusamutsa ndalama kumakhadi | Kudzera ku banki yanu kwaulere |
| Kuchotsa ndalama | Kuchokera 1% |
| Peresenti pamiyeso | — |
Banki siyosiyana ndi kuthamanga kwa ntchito, zimatenga tsiku limodzi kapena angapo kuti mutsegule akaunti. Ndondomeko yothandizira makasitomala - kuyambira 09.30 mpaka 20.00.
Zina mwazovuta zoyambira kugwira ntchito ndi Sberbank ndi kuchepa kwa ntchito zake, kuthandizidwa ndiukadaulo, komanso kutalika kwa pempho.
2) Alfabank
Alfabank imapindulanso chifukwa chodalirika komanso kukhazikika kwake, pali mapulogalamu, ma bonasi ndi makuponi omwe amaperekedwa.
Otsatsa amazindikira dongosolo lamitengo yayikulu komanso kuwongolera mwamphamvu zochitika zomwe makasitomala amachita.
Misonkho yotsegulira ndikusunga akaunti yapano ku Alfabank:
| Kutsegula akaunti | Invoice yoyamba imachokera ku ruble 3.3 zikwi, yachiwiri ndi yotsatira kuchokera ku 990 ruble. |
| Kukonza pamwezi | Kuchokera ku ruble 300. |
| Banki yapaintaneti Banki yam'manja Zidziwitso za SMS | +, kulumikiza 990 rubles. +, mfulu +, mfulu |
| Mtengo wolipira | Kuchokera ku ruble 25. mpaka 250 rubles. |
| Kusamutsa ndalama kumakhadi | Kudzera ku banki yanu kwaulere |
| Kuchotsa ndalama | Kuchokera ku 0.5%, min. Opaka 300 |
| Peresenti pamiyeso | — |
Kutsegula akaunti ndi Alfa Bank kumatenga masiku 3 kapena kupitilira apo. Kutalika kwa tsiku logwirira ntchito muyezo - kuchokera 09.00 mpaka 19.30.
3) banki ya Vanguard
Avangard Bank imapereka chithandizo chabwino kwambiri.
Malinga ndi kuwunika kwa kasitomala, banki ili ndi milandu yokakamiza, mafoni okhumudwitsa, ngakhale pafupifupi banki ili ndi chiyembekezo.
Banki imapereka mapulani amitengo yotsatirayi:
- Base;
- Zapamwamba;
- Zonse kuphatikiza.
Misonkho yotsegulira ndikusunga akaunti yapano ndi Avangard Bank:
| Kutsegula akaunti | Akaunti 1 zikwi zitatu za ruble, kenako ma ruble 1,000. |
| Kukonza pamwezi | Kuchokera ku ruble 500. |
| Banki yapaintaneti Banki yam'manja Zidziwitso za SMS | +, mfulu — +, RUB 500 pamwezi |
| Mtengo wolipira | kuchokera ku ruble 25. mpaka ma ruble 150. |
| Kusamutsa ndalama kumakhadi | Kwa ma ATM awo kwaulere |
| Kuchotsa ndalama | Kuchokera 1.2% |
| Peresenti pamiyeso | — |
Zitenga tsiku limodzi kuti mutsegule akaunti ndi Avangard Bank. Short tsiku opaleshoni - kuyambira 09.00 mpaka 17.30.
4) Raiffeisen Bank
Banki ndi ofesi yoyimira Mabanki aku Austria akugwira "Raiffeisen Bank International AG». Ili m'gulu la mabanki 20 akulu kwambiri omwe akugwira ntchito ku Russia malinga ndi chuma.
Amapereka mitengo yantchito yapakati. Banki imapereka mapulani amisonkho awiri:
- Yambani;
- Base.
Misonkho yotsegulira ndikusunga akaunti yapano ndi Raiffeisen Bank:
| Kutsegula akaunti | ndiufulu |
| Kukonza pamwezi | Kuchokera ku ruble 0,5 zikwi. |
| Banki yapaintaneti Banki yam'manja Zidziwitso za SMS | +, kulumikiza ruble 2.5,000. +, 190 kusakaniza. pamwezi +, 190 kusakaniza. pamwezi |
| Mtengo wolipira | RUB 50 |
| Kusamutsa ndalama kumakhadi | Kudzera ku banki yanu kwaulere |
| Kuchotsa ndalama | Kuchokera 0-1% |
| Peresenti pamiyeso | — |
Nthawi yotsegulira akaunti yakubanki itenga tsiku limodzi. Zatero tsiku lalifupi kwambiri logwirira ntchito - kuyambira 09.00 mpaka 17.00, yomwe ndi nthawi yovuta kwambiri kwa makasitomala.
Banki imapereka mitengo yapafupipafupi, ndi tariff ya Start, Internet Banking imalipira. Makasitomala amazindikira kuyesera kokakamiza zina kubanki
4.3. Gulu lachidule la misonkho yotsegulira ndikusunganso akaunti yomwe ikupezeka m'mabanki
Ndikofunikira kusankha banki malinga ndi zosowa za munthu, kusankha makampani amakono opita patsogolo.
Gome ili m'munsi limapereka chidule cha magawo akulu kuti tipeze chithunzi chathunthu chamisonkho yamabanki otchuka.
| Dzina la banki | Kutsegula akaunti yapano | Kusunga akaunti yapano | Kugwiritsa ntchito intaneti | Mtengo wolipira | Chidwi pamali |
| Tinkoff | Ndiufulu | Miyezi iwiri yaulere, kenako kuchokera ku ruble 500. | Ndiufulu | Kuchokera pa 30 rubles, zopanda malire 990 rubles / pamwezi | Mpaka 8% pachaka |
| Modulbank | Ndiufulu | Kuyambira 0 mpaka 3 zikwi. | Ndiufulu | Kuyambira 0 mpaka 90 rubles. | Kuyambira 3 mpaka 5% pachaka |
| UBRD | Ndiufulu | Kuchokera ku ruble 300. | Ndiufulu | Kuchokera ku ruble 25. | Ayi |
| Dontho (Kutsegula) | Ndiufulu | Kuyambira ma ruble 500 mpaka ma ruble zikwi 7.5. | Ndiufulu | Kuyambira 0 mpaka 50 rubles. | Mpaka 8% pachaka |
| Sberbank | Kuchokera ku ruble 1.5 zikwi. | Kuchokera ku ruble 1.5 zikwi. | Kuphatikizidwa ndi mtengo wothandizira | Ma ruble a 100 kuchokera pamalipiro. | Ayi |
| Alfa Bank | Ndiufulu | Kuyambira 850 opaka. | 990 RUB kulumikiza | Kuchokera ku ruble 25. kuchokera ku dongosolo lolipira. | Ayi |
| Vanguard | Kuchokera ku ruble 1 zikwi. | Opaka 900 | Ndiufulu | Kuchokera ku ruble 25. kuchokera ku dongosolo lolipira. | Ayi |
| Raiffeisen Bank | Kuphatikiza pamisonkho | Kuchokera ku ruble 1.5 zikwi. | 2.5 zikwi pakulumikiza | Kuchokera pa ruble 15. kuchokera ku dongosolo lolipira. | Ayi |
Chifukwa chake, mabanki akulu amapereka ndalama zotsika mtengo, zomwe zimafotokozedwa chifukwa cha malo awo pamsika wazachuma. Pamodzi ndi mabanki akale okhazikika monga Sberbank, Alfa Bank, Vanguard, mabanki achichepere achichepere sali otsika pakukhazikika ndi zovuta za mapulogalamu omwe akufuna. Nthawi zambiri amapereka zambiri mitengo yokongola ndipo zikhalidwe zabwino zantchito... Mabanki onse omwe aperekedwa ali ndi milingo yayikulu kutengera momwe mabungwe amawerengedwe amawerengera.
Zofunika! Popeza mabanki ena amapereka ntchito kwakanthawi ndiufulu, ndizomveka kutsegula maakaunti osati m'modzi, koma m'mabanki angapo ndikuyang'ana ntchito yabwino komanso mtundu wautumiki mwachitsanzo.
Kwa bizinesi yaying'onopamene chiwongola dzanja pa akaunti yapano chikukonzekera kukhala chochepa koma chokhazikika, zosankha zabwino zitha kuganiziridwa Mobulbank, banki Dontho, Lufuno... Amapereka chithandizo chaulere kwa makasitomala atsopano (kwa miyezi ingapo), amapereka banki yaulere pa intaneti komanso banki yamafoni.
Ngati LLC kapena wochita bizinesi aliyense alandila zoposa ruble 1 miliyoni pamwezi, ndibwino kuyimitsa kusankha kwanu ku Sberbank, Alfabank, Avangard Bank, UBRD Bank. Amapereka mapulogalamu othandizira makonda anu ndipo amakhala okhazikika komanso odalirika.
Kuthandizira kutsegula akaunti yapano kwa omwe akuchita bizinesi ndi ma MDS - malangizo mwatsatanetsatane
5. Momwe mungatsegule akaunti yapano - tsatane-tsatane malangizo (thandizo) potsegula PC ya LLC ndi IE 📝
Kutsegula akaunti ndichinthu chofunikira kwambiri kuti mugwire ntchito m'mabungwe azovomerezeka ndikofunikira kwa omwe akuchita bizinesi. Ngati wochita bizinesiyo akufuna kukonza zochitika zake, akaunti yake itero ndikofunikira kulipira misonkho, malo okhala ndi ogulitsa ndi zina zotero.
Chifukwa chake, tiyeni tiwone momwe tsatane-tsatane njira yotsegulira akaunti yapano.
Gawo 1. Kusankha banki (credit institution)
Akaunti imatha kutsegulidwa ku banki imodzi kapena zingapo pempho la kasitomala. Atasankha banki, kasitomala amalumikizana ndi manejala wake kuti awafotokozere za zikalata zofunika. Atatha kukonza zikalatazo, amadzaza fomu yofunsira.
👉 Tikupangira kutsegula akaunti yapano ndi banki yodalirika, Mwachitsanzo, pa malo obwereketsa awa.
Mabanki ena amapereka ntchito yotsegulira akaunti yapano pa intaneti ndikupereka zikalata, koma ndi chitsimikiziro chofunikira pakuchezera kwanu kubanki. Nthawi zambiri, akaunti yachiwiri komanso yotsatiridwa ndi bungwe lalamulo imatsegulidwa pa intaneti kubanki yomweyo.
Mabanki ena amapereka ulendo wa katswiri ku ofesi ya kasitomala, komwe akauntiyi imatsegulidwa pomwepo, osayendera banki.
Gawo 2. Kusankha dongosolo la msonkho
Gawo lachiwiri lofunikira ndikusankha dongosolo lamitengo yoyenera. Zimatengera mtengo wazosintha zomwe zakonzedwa pa akaunti yapano.
Amasankhidwa payekhapayekha, ndizotheka kusinthira pa pulani imodzi kupita ku ina. Njirayi nthawi zambiri imakhala yaulere kwa makasitomala.
Gawo 3. Zolemba
Ku banki, kasitomala amadzaza siginecha khadi yovomerezeka, mgwirizano umamalizidwa kuti atsegule ndi / kapena kukonza ndalama ndi ntchito zandalama (nthawi zina zimaperekedwa mwa mgwirizano wopereka patsamba la kampaniyo ndipo safuna kusaina kwina). Kodi ntchito yokhazikitsira ndalama (kukhazikika ndi ntchito zandalama zamabungwe azovomerezeka) ndi chiyani, tidalemba mu imodzi mwazolemba zathu.
Ndikofunikanso kusaina zikalata zantchito zina.
Mukatsegula akaunti yakubanki, anthu onse ovomerezeka kapena odalirika ayenera kupezeka (mphamvu ya woweruza milandu sinatchulidwe). Wokakamizidwa kutsimikiza kwaulamuliro ndichikhalidwe.
Gawo 4. Kusintha ntchito zowonjezera
Mukasayina zikalatazo, banki yapaintaneti kapena banki yamakasitomala, banki yam'manja, kupeza ndi zina zotero zimakhazikitsidwa.
Kodi kupeza ndi chiyani, werengani buku lathu lapitalo.
Ngati kasitomala sadziwa bwino zovuta zamalamulo zotsegulira ndikusunga akaunti yapano, atha kulumikizana ndi makampani apadera omwe amapereka zithandizo ndikukonzekera zolemba zonse kuti atsegule akaunti. Zomwe akudziwa komanso kudziwa malamulo zithandizira kuthetsa mavuto onse omwe amabwera.
6. Momwe mungadziwire akaunti yomwe ilipo tsopano - njira 4 zosavuta
Tiyeni tiwone njira zina zosavuta kudziwa akaunti yowunika.
Njira 1. Kuti mudziwe kuchuluka kwa akaunti yanu yapano, ingoyang'anani mgwirizano womwe wapangidwa pakati pa banki ndi kasitomala.
Ngati mukufuna kudziwa nambala yaakaunti yachitatu yomwe mukupititsa ndalama, imatha kuwonanso kumapeto kwa mgwirizano.
Mutha kudziwa akaunti yapano ya bungwe (IP) mwatsatanetsatane kumapeto kwa mgwirizano
Njira 2. Ngati ntchito yakubanki yapa intaneti ilumikizidwa, mutha kupita ku akaunti yanu ndikupeza zambiri zofunika pamenepo.
Njira 3. Mutha kudziwa akaunti yomwe ili pano ya bungweli kudzera pa intaneti (tsamba lawebusayiti - -egrul.nalog.ru))
Mutha kudziwa za akaunti yapano yabungwe kudzera pa intaneti komanso misonkho ya feduro
Njira 4. Ngati zosankhidwazi sizinathandize kudziwa akaunti ya bungweli, ndiye kuti njira yodziwikiratu ndi iyi itanani ku banki.
Kuti mumalize mgwirizano / mgwirizano wopezeka kwa katundu ndi ntchito, muyenera kudziwa zambiri zalamulo. Nthawi zambiri amalembedwa kumapeto kwa mgwirizano, m'chigawochi: "Maadiresi ndi tsatanetsatane wa maphwando "... Popanda tsatanetsatane wa bungwe lovomerezeka zosatheka kutumiza ndalama.
Zambiri zimaphatikizapo:
- Dzina la bungwe, nambala ya akaunti.
- Dzina, BIC, INN, COR / ACCOUNT, KPP ya banki.
Mukamafotokoza zolakwika, ndalama nthawi zambiri "zimapachika" ku banki ndikudikirira kuti chitsimikizidwe kuti chabwezedwa. Wogula ntchitoyo ayenera kudziwitsa anthu omwe ali ndi ngongole polemba ndalama zenizeni.
7. Mafunso Ofunsidwa Kawirikawiri (FAQ) 💬
Taganizirani ena mwa mafunso omwe amalonda amakonda kufunsa akalembetsa bizinesi yawo.
Funso 1. Kodi ndizopindulitsa kwambiri kuti mwayi wopeza bizinesi yayikulu waposachedwa?
Wobizinesi payekha atha kutsegula akaunti ndi m'modzi kapena angapo amabungwe angongole mwakufuna kwake. Mpikisano wapamwamba umakakamiza mabanki kupikisana ndi kasitomala aliyense, pomupatsa mwayi wogwira ntchito.
Mfundo zazikuluzikulu zofunika kuzisamala posankha banki:
- Kukhazikika kwa ntchitoKukhazikika, kudalirika kwakukulu kwa kampani yobwereketsa. Izi zimapezeka patsamba la Central Bank, mabungwe osiyanasiyana owerengera.
- Ndondomeko ya msonkhozoperekedwa ndi banki. Tiyenera kudziwa kuti mabanki achichepere omwe akupita patsogolo amapereka mitengo yotsika mtengo kuposa mabungwe obwereketsa omwe atchuka kale pamsika wazachuma.
- Ndemanga zamakasitomala zakubanki... Amakhala omvera, koma amawonetsa chidwi cha kuchuluka ndi zovuta za ntchito kubanki.
Mabungwe ena obwereketsa ngongole amapereka makasitomala atsopano kwaulere (Tinkoff Bank, Modulbank), kotero amalonda aliyense ali ndi mwayi wotsegula maakaunti m'mabanki angapo ndikuwona momwe zimapindulira kugwira nawo ntchito.
Mabanki ena amapereka zotsatsa kwakanthawi kochepa kuti atsegule akaunti ndi mapulani okonda mtengo. Mwachitsanzo, banki "Tochka" ikugwira ntchito mwapadera posunga akaunti ya miyezi 3 - kuchokera ku 750 rubles / mwezi.
Ngati wochita bizinesi aliyense atenga ndalama zosakwana miliyoni miliyoni pachaka, mapulani amitengo yapadera amaperekedwa ndi mtengo wotsika wa ntchito.
Tebulo likuwonetsa zidziwitso m'mabungwe odziwika bwino a ngongole komwe mungapatse mwayi wopezera akaunti yamalonda aliyense payekha:
| Dzina la banki | Mtengo wotsegulira akaunti | Mtengo wosamalira maakaunti (ochepera) pamwezi | Mtengo wa kulipira 1 (osachepera) |
| Point Bank (Kutsegula) | Ndiufulu | kuchokera ma ruble 750. | kuchokera ku ruble 30. |
| Banki ya Tinkoff | Ndiufulu | Miyezi iwiri yaulere, kenako kuchokera ku ruble 500. | kuchokera ku ruble 30. |
| Gawo la banki | Ndiufulu | kuchokera ma ruble 500 | kuchokera ku ruble 25. |
| UBRD | Ndiufulu | kuchokera ku ruble 300. | kuchokera ku ruble 50. |
Mtengo wake ukhoza kukhala wosiyana m'magawo osiyanasiyana komwe kuli maofesi oimira mabanki. Zambiri zam'madera zikupezeka pamawebusayiti amtundu wa anthu.
Funso 2. Kodi ndizofunikira kutsegula akaunti ku banki ndipo ndizotheka kuti munthu azichita bizinesi yake popanda akaunti yapano?
Malamulo aku Russia sakufuna kuti aliyense azichita bizinesi ndi banki. Ngati ndalama zakhazikika kwambiri osaposa 100 zikwi (mkati mwa mgwirizano umodzi), wochita bizinesi payekha atha kuthana nawo "Ndalama"... Muthanso kulipira misonkho ndi zolipira zina ndi ndalama.
Kwa wochita bizinesi payekhapayekha, palibe malire pakukakamizidwa kulipira ndalama padesiki ya ndalama (mosiyana ndi LLC). Ndizosavuta bwanji kwa wochita bizinesi kusankha.
Amalonda payekha omwe amagwira ntchito pamisonkho ya patent kapena misonkho yosavuta amatha kuchita osatsegula akaunti yapano.
Kupezeka kwa akaunti yapano kumalola wazamalonda kuti afike pamachitidwe ena. Chidaliro cha anzawo chidzawonjezeka, padzakhala mwayi wochita nawo mapulogalamu osiyanasiyana othandizira maboma, ndipo chitetezo cha ndalama zawo chiwonjezeka.
Funso 3. Kodi ndizotheka kuyendetsa bungwe la LLC popanda akaunti yowunika?
Malinga ndi lamulo la "On Limited Liability Companies", mabizinesi ali ndi ufulu kutsegula akaunti yapano, ndiye kuti lamuloli silikufuna kuti litsegulidwe mwachindunji, koma limayambitsidwa zoletsa pamitengo ya ndalama (mpaka 100 masauzande pansi pa mgwirizano umodzi), malinga ndi malire omwe mabanki amakhala ndi ndalama zomwe zili padesiki ya bizineziyo, popereka ndalama, kusamutsa misonkho ndi zolipira zina.
Chifukwa chake, kampaniyo ikusowa akaunti yapano yochitira bizinesi yabizinesi.
Funso 4. Zimawononga ndalama zingati kutsegula akaunti yapano?
Mtengo wotsegulira akaunti umasiyanasiyana kuchokera ku banki kupita ku banki. Mabungwe ena obwereketsa amatsegula akaunti ndiufulu, mwa ena mtengo ungakhale zikwi chimodzi kapena zikwi ziwiri za ruble... Zonsezi zimapezeka patsamba lovomerezeka la mabanki.
Funso 5. Kodi makampani omwe ali okonzeka (LLC) ndiotani ndi omwe ali ndi akaunti komanso komwe angagule?
Pakadali pano, simungathe kuwononga nthawi ndi khama lanu pokonzekera zikalata, kuwalembetsa ndi misonkho ndi maulamuliro ena, kutsegula akaunti. Mutha kugula kampani yomwe yakonzekera.
Kufunika kogula kumatha kuchitika chifukwa cha kufulumira kwa opaleshoniyi pansi pa mgwirizano kapena mogwirizana ndi kusowa nthawi kuphunzira ndi kukonzekera zikalata.
Mutha kugula kampani yomwe ili ndi mbiri yabwino ya ngongole, ndiye kuti zidzakhala zosavuta kutenga ngongole kubanki. Ngati ndi kotheka, mutha kugula LLC ndi akaunti yapano ndi ziphaso za mitundu ina yazinthu, zopangidwa ndi SRO, ndi zina.
Kugulidwa kwa makampani kumatheka kudzera muma intaneti osiyanasiyana, kudzera kutsatsa munyuzipepala, ndi zina zambiri.
Ngati pali nthawi yolembetsa, ndibwino kuti mutsegule kampani nokha. Chifukwa chake mudzadziwa kuti kampaniyo idalembetsa posachedwa ndipo ilibe ngongole ndi mikangano ndi ena.Kuphatikiza apo, tafotokoza kale momwe tingatsegule bizinesi yathu patokha ndikulembetsa LLC patsamba lathu.
Funso 6. Kodi mungatseke bwanji akaunti yapano ya wochita bizinesi ndi LLC?
Kufunika kotseka akaunti kumatha kubwera chifukwa cha kusintha kwa ntchito ku banki ina, kutha kwa ntchito zamabizinesi. (Kuti mumve zambiri zakutsekeka kwa kampani ya LLC komanso kuthetsedwa kwa wochita bizinesi payokha, werengani gawo lomwe likugwirizana ndi tsambali "Maganizo a Moyo")
Kutseka akaunti yakubanki ya LLC ndi wochita bizinesi payekha siyinthu yovuta ndipo, monga lamulo, kwaulere.
Kuti atseke akaunti, wochita bizinesiyo amapeleka ku banki fomu yofunsira akaunti ngati banki. Ikukuuzani zoyenera kuchita ndi ndalama zotsalira mu akauntiyi. Amatha kulandila ndalama kapena kusinthidwa ku akaunti ina.
Ndalama zikalandilidwa paakaunti ya wazamalonda yomwe ili ndi banki, banki imabwezera zolipazo osachita, ndikudziwitsa kuti akauntiyo yatsekedwa.
Zofunika! Ofesi yamsonkho komanso thumba la penshoni amadziwitsidwa za kutsekedwa kwa akauntiyo pasanathe sabata.
Onse omwe akuchita nawo mgwirizanowu amadziwitsidwa.
Funso 7. Momwe mungatsegule akaunti yapano kwa wochita bizinesi ku Sberbank
Sberbank ili ndi netiweki yayikulu kwambiri yamaofesi oimira, nthambi, maofesi ena mdziko lonse. Chifukwa chake, ndizosavuta kugwira nawo ntchito, kuwonjezera apo khola, odalirika bank yomwe yakhala kale m'mabungwe obwereketsa ambiri mdziko muno.
Kuti mutsegule akaunti yapano ndi Sberbank, lembani izi:
- Chotsani ku EGRIP kwakanthawi kosapitilira mwezi.
- Chiphaso cha boma Kulembetsa.
- Chiphaso chochokera ku ofesi yamsonkho, satifiketi yochokera kwa oyang'anira ziwerengero.
- Pasipoti ya SP ndi chidindo (ngati chilipo).
Mwina zolembedwa zoyambirira kapena zolembedwa zodziwika bwino zimaperekedwa.
Pempho ndi chikalata chosainira chodzazidwa ku banki, mgwirizano wotsegulira ndikusunga akaunti (CSC), mapangano olumikiza ntchito zina asainidwa: Kugwiritsa ntchito intaneti, kuchenjeza ma sms.
Kuti mutsegule akaunti ndi Sberbank wochita bizinesi (kutengera dera) adzafunika kulipira pafupifupi ma ruble 2,000, ndalama zantchito pafupifupi ma ruble 1,500. mwezi uliwonse (kutengera chiwongola dzanja).
Funso 8. Kodi lendi la amalonda ndi ma MDS omwe ali ndi akaunti yapano - ndizololedwa?
Ndizosatheka kubwereka LLC kapena munthu aliyense wochita bizinesi, chifukwa bungweli si katundu, ndipo ndizosatheka kubwereka munthu (wochita bizinesi payekha).
Kuphatikiza apo, kubwereketsa kampani, lendi imatha kuyang'anira maakaunti onse, koma mwini kampaniyo amakhalanso ndi mphamvu zowongolera ndalama. Ndi mwininyumba wosakhulupirika, mutha kusiyidwa opanda ndalama zomwe mwapeza.
Mulimonsemo, zovuta pakubwereka LLC kapena wochita bizinesi payekha (maubwino) ndizopindulitsa kwambiri.
Funso 9. Kodi ndiyenera kujambula uthenga wotsegula akaunti yanga yapano?
Kuyambira Meyi 2, 2014 zaka, malamulo adakhazikitsidwa omwe adathetsa udindo wamabizinesi kuti udziwitse mabungwe aboma za kutsegula maakaunti aku banki.
Udindo wodziwitsa / kupereka malipoti potsegulira akaunti yapano tsopano uli m'mabanki okha.
Kutsegula akaunti sikubweretsa zovuta zilizonse ndipo sikuphatikiza kuwononga ndalama zambiri. Akaunti yapano imafunika kuti magwiridwe antchito aliwonse azogulitsa kapena malonda. Popanda izi, ntchito ya LLC ndiyosatheka ndipo zochitika za wochita bizinesi sizimakhala bwino.
Pomaliza, tikulimbikitsa kuwonera kanema, yemwe amafotokozera kuti atsegule akaunti ndikuti asankhe banki iti:
Tikukhulupirira kuti nkhaniyi yaulula mokwanira nkhani yomwe ili ndi mabizinesi komanso amalonda ndikuyankha mafunso apano.
Funso kwa owerenga!
Kodi ndi banki iti yomwe mudatsegula akaunti yanu ndipo ndi mabanki ati omwe mungakonde kutsegula akaunti yanu pano?
P.S. Gulu la magazini yamabizinesi "RichPro.ru" likufunirani zabwino zonse poyambitsa ndikuyendetsa bizinesi pogwiritsa ntchito akaunti yapano. Gawani malingaliro anu pamutuwo ndikufunsani mafunso mu ndemanga pansipa.