Finances

Settlement and cash services for legal entities and individuals - what is it + list of banks with RKO tariffs

January 19, 2020

Hi, Dear readers of the business magazine "RichPro.ru"! In the article we will talk about settlement and cash services for legal entities and individuals, why it is necessary and how to choose a bank with low (good) tariffs for RKO.

Due to the growing popularity of non-cash payments and the need to work with a current account, RKO becomes an integral part of our lives and is absolutely necessary for everyone, from a regular retiree to an entrepreneur or, Moreover, large company.

You will learn from this article:

  • What is the settlement and cash service;
  • What advantages and functions does it have;
  • What is the difference between RKO for individuals and legal entities;
  • By what criteria and comparative characteristics to choose a bank.

Certainly, entrust your current account to the bank, this is a responsible decision and requires the most serious approach, because the company's costs depend on it, security of monetary transactions and, in accordance, its profitability.

So how to decide on the choice of a partner bank, what to look for? Read more about it right now!

What is RKO, what is the function of settlement and cash services for legal entities (TOV, SP and others.) And ordinary citizens, how to choose a bank with the best rates for RKO - you will learn all this, after reading the article to the end

1. Settlement and cash service (RKO) - what it is and who needs it

RKO (Settlement and cash service) Is a system of banking services, which allows you to service the accounts of individuals and legal entities, to carry out operations of money transfer in different currencies.

To use such features, the potential client must provide the bank with certain documents, enter into an appropriate agreement with the bank and meet the requirements of applicable law and internal regulations.

All legal details of the RCO are determined by the Law "On Banks and Banking", Civil Code and regulations of the Central Bank (example, such Regulations, as "on non-cash payments in Russia", "On the procedure for conducting cash transactions in credit institutions" and others )

Is it possible to do without settlement and cash service?

As individuals, and organizations, nowadays, it is necessary to use non-cash money turnover, in one form or another.

In accordance, to do without RKO impossible when conducting any non-cash transactions, withdrawal or deposit at the expense of cash (including payment, money transfer and more), maintaining accounts in different currencies and receiving statements of current account transactions.

2. Settlement and cash service of legal entities is a service mechanism

At RKO of legal entities, the credit organization conducts all operations on their current accounts. Including, transfer of salaries, pensions, scholarships and other payments. Transactions can be performed in rubles, and in other foreign currencies. More details on opening a current account, we wrote in one of the past materials.

Basic services in this direction, usually, can be classified:

  • non-cash payments;
  • cash payments;
  • registration of account statements.

When carrying out work on accounts and cash transactions, banks use special forms, the most commonly used of which:

  • payment order (when using a current account for payment), it is also called "form 0401060";
  • form for depositing cash in a bank account;
  • checks, issued when withdrawing cash.

Having signed the contract on RKO, the firm has the right to receive a checkbook, which serves as a tool for cash transfer for use to pay employees and other needs of the firm.

Banks can offer not only basic, but also additional services, example, collection, remote access to work with a current account (such a system is called "Client Bank»).

But, if basic services are provided free of charge or on a minimum payment basis, then the accompanying ones - for a reward, after all, the bank is, in the first place, commercial organization.

3. The main purpose of settlement and cash services for individuals

The current account of an individual is used to credit payments, making non-cash payments, transactions in Internet banking and other non-commercial purposes.

In most banks, this service is provided free of charge, but there is also a commission for transactions, such, as a cash transfer, registration of payment documents, non-cash transfers and more.

To open an account, between the individual and the bank an agreement is signed on the RKO.

4. How to choose a bank for RKO - TOP-3 tips from experts

The choice of a partner bank should be taken as seriously as possible. First, than to do it, you need to study the proposals of different banks and decide, based on the criteria, important for a particular organization.

Advice 1. Determine the reliability of the bank

bank reliability - is a collective idea not only of its capabilities, but also to identify strengths and weaknesses. First, than to conclude a service agreement it is necessary to assess the possible risks of such cooperation and compare them with the level of usefulness.

There are different ways to get an idea of ​​the work of a credit institution, as well as the criterion for assessing its reliability, example:

  • Open sources of mass media and Internet resources. Here you can find not only general information, but also feedback from real customers. For this, in addition to the sites of the banks themselves, there are specialized sources (such, as an information portal Banki.ru, credit ratings of "Expert RA" and others);
  • Make sure, that it is possible to withdraw and transfer funds on the day of application;
  • Monitoring the stability of the bank. Example, should be wary of delays in the transfer of funds;
  • Availability and geographical location of bank branches. Their presence in different regions avoids unnecessary time and money to work between several different systems;
  • Range of services. Importantly, that the bank meets all the requirements of the organization and can provide all the necessary services;
  • Term of registration of the passport of the agreement, currency requirements for documentation, terms of currency exchange and more;
  • RCC tariffs. When comparing banks on this indicator, it is important to estimate the amount of the account maintenance fee, the ability to work remotely and connect this service, money transfers, cash deposit and withdrawal (for the issuance of wages and other needs of the organization);
  • Quality and, in the first place, efficiency of the bank's RCO and resolution of disputes.
  • Availability and conditions of providing related services, such as lending, warranty services, example, during tender work.
  • The urgency of conducting "salary projects" in the bank (how profitable and convenient it will be, as widely represented ??ATM network and other issues)

Advice 2. Compare work schedules of potential partners

In cases of compliance of a number of banks, the criteria for selection by the organization of a partner for cooperation on RKO are presented., an additional point may be the schedule of the bank.

Especially, companies should pay attention to this, working with firms or departments, having a time difference.

Advice 3. To save on bank charges, enter payment days in the company

If the company will introduce payment days (from one to three per week), when all bills will be paid, which have accumulated over this period of time, depending on the priority, it will be possible to save on expenses quite well, associated with the payment of each payment order.

Review of popular banks with RKO tariffs

5. We choose a bank with favorable tariffs for settlement and cash service - TOP-5 RCO banks for legal entities and VP

As already mentioned, choice of bank, to whom you can entrust the maintenance of your current account, very responsible step, which depends on various factors. In addition to maintaining an account, replenishment and withdrawal of cash, non-cash transfers and payments, additional services can be obtained from banks.

1) Sberbank

In the financial services market, Sberbank, rightly occupies a leading position in the range of coverage of needs as physical, and legal entities.

For organizations from individual entrepreneurs to large corporations, Sberbank can offer many favorable RCO tariffs and additional services. You can open a current account in this bank without even visiting the branch, remotely, using the site, and it will be ready to accept payments.

The necessary documents can be submitted to the bank within 30-you calendar days, after opening such an account. The second and subsequent accounts can be opened, using only the system "Sberbank Business Online», For which there is a mobile application, which is very convenient. There are also bundled services for business accounts.

Sberbank has the largest network of offices and ATMs in the country, provides round-the-clock support by the counseling center, works with foreign currencies, conducts "salary projects", provides acquiring services, offers special terms on deposits and loans for its customers and concessional programs. It is also possible to purchase equipment for business on lease. What is leasing we wrote in our last article.

2) Tinkoff

Relatively young, but a fast-growing bank. Two tariffs are offered to legal entities: «simple"AND"High level», They have rather low service tariffs. The Bank holds various promotions to attract new customers, which makes maintenance in it quite profitable.

Related services are provided, such as Internet banking, SMS system, business lending, Internet acquiring and others. It is also possible to open an account online, using the site. At the end of the year, customers of Tinkoff Bank, the account accrues a percentage of the amount of the balance.

3) Opening Bank

Otkrytie Bank offers its clients a full range of settlement and cash services. It is possible to reserve an account online for further opening, remote account management system, counseling center, currency control, acquiring, collection, additional lending services, insurance and more.

The bank also offers HR consulting training programs, aimed at improving the efficiency of employees and managers.

4) Alfabank

Settlement and cash service of Alfa-Bank is conducted as in Russia, and in foreign currency without restrictions on the number of open accounts. All transactions on accounts, including currency conversion services can be done through an online client.

Alfa-Bank has a large network of branches and carries out RKO throughout the country. You can enter into an additional agreement with the bank and receive a percentage of the balance, on the account. The bank provides additional services.

5) SKB-Bank

In SKB-Bank it is possible to reserve a current account online and conduct all operations on accounts remotely. The bank has a wide network of branches and ATMs, increased operating day (21 year).

SKB can offer favorable tariffs to legal entities and entrepreneurs, great variety of additional services, example, preferential lending to employees and "salary project", as well as free Visa Business card issuance and even a free advertising campaign and discounts in the Partnership Program.

Comparative table of basic RKO tariffs

This table presents the data of the units, located in Moscow. Tariffs may vary in other regions, depending on the order of their establishment by the bank.

bank Opening an account, rub. Service fee External bank transfer deposit Withdrawal of funds Client bank
Sberbank from 3 000 from 1 600 electronically from 32-52 rub / payment, on bum.nositele from 300-350 rub / payment from 0,3-0,36% of the amount from 0,6% (min. 150 rub.) on the / P; from 1,4% (min. 150 rub.) on the need free *; from 960 rub.
Tinkoff free the first 3 miss. (For IP - 6 miss. From the date of registration) - free, further from 490 rub. the first 3-10 - free, further from 29-49 rub / payment free or from 1% of the amount free to 100 000 rub, over - from 1,5-10% (min.99 rubles) free
discovery from 1 300 from 750-1700 from 0,5-1% (min.27-30 rubles.) from 0,16% (min. 50 rub.) from 0,4% on the / P, 1-10% on ave. need from 1 250 p.
Alfa Bank from 3 300 from 2 20 — 6 900 online from 30 rub / payment or from 0,1% on the boom carrier from 0,28-0,35% (min. 300 rub.) from 0,5% (min. 300 rub) on the / n from 2,5-11% (min. 400 rub.) on ave. objectives from 990-2200 p.
SKB-Bank from 0-1000 from 990-1 490 from 29 rub from 0-0,7% from 1,3% on the / P; from 1,6-11% on the need free

* For customers, having a current account in this Bank.

From the data, presented in the table, it is possible to draw a conclusion, that the most favorable conditions are currently provided by Bank Tinkoff, which does not charge for most standard services, however, do not forget, that these are not the only indicators and a deeper analysis is needed for the full picture .

6. What documents are needed to open a RKO (natural persons and legal entities)

To open a bank account, you will need to provide a standard package of documents.

Documents for opening a current account of an individual entrepreneur:

  • the passport;
  • TIN;
  • IN.

Documents for opening a current account for legal entities (TOV, AT, PJSC and others.)

  • certificate of State;
  • TIN;
  • Statute;
  • Order appointing the Director;
  • and other constituent documents of the legal entity.

7. RCO package services for the bank's clients - a review of the TOP-3 popular services

For, to reduce the cost of necessary settlement and cash services, most credit institutions provide entrepreneurs with the opportunity to connect a bundled set of services. This is necessary, when the use of RKO is regular and requires significant financial investment from the firm.

Such proposals can be broken down into 2 (two) categories:

  1. payment for the connection of the package allows you to perform some of the transactions used free of charge;
  2. preferential tariffs for basic RCO operations.

Be sure to consider the cost of the package itself, to make sure, that connecting it will really reduce costs and save you from unnecessary financial losses.

1) Bank Cards for Legal Entities Service

For more convenient business and financial transactions, bank cards of a special business category may be issued. Such cards are linked to the organization's current account and are used only for the needs of the company, which is very convenient, example, for customers, often make transactions on the account, while on business trips.

In addition to the main card, it is possible to issue additional cards, which are linked to the same account, which is convenient for use by several employees at once. in addition, tariffs for card service, usually, lower, than through the operator.

However, when calculating the benefits of using the card, tariffs must be taken into account for its issue and further maintenance, which differ radically, depending on the issuing bank.

2) Self-collection service

self-collection Is a service, is also designed to reduce the costs of businessmen on RKO and allows you to make revenue to the current account using an ATM or self-service terminal. This allows the entrepreneur to get rid of unnecessary problems and money, related to the collection and storage of cash.

Some operations may be restrictions imposed, which are related to the capabilities of the self-service terminal used.

Usually, rates for depositing cash in this way are lower, than through the cash register, however, you need to remember, that the bank sets the minimum amount of commission and monitor it, that such collection was profitable.

3) Internet banking

One of the most important components of settlement and cash service, for today, it is possible to work with accounts remotely, namely all sorts bank-clients. Most of the most necessary banking operations can be carried out in this way, as well as receive payment documents and monitor account balance.

Usually, this service belongs to the basic services of RKO and is inseparably present in each bank, serving legal entities. The client has the right to refuse to use Internet banking, but can also connect it easily at any time.

Usually, there is a charge for using the remote access features, but many banks are willing to provide basic features of this service and on a free basis.

Of the useful features of this service can be noted directly making payments from the current account and transfers to other persons. Work with documentation is also carried out, it is possible to obtain information about all actions with the account and its status in real time.

Online account transactions have a fairly high degree of protection and bank guarantees, so entrepreneurs may not have to worry about saving money, but also the right to connect additional security services for a fee.

8. Advantages of settlement and cash service for entrepreneurs

RKO Is a complex service, necessary for running almost any business.

The positive aspects of RCO for entrepreneurs are:

  • personal approach and specially selected tariff packages on the most favorable terms.
  • personal manager service;
  • real-time calculations.

This has a positive effect on the speed and efficiency of the organization. Most payments nowadays are made non-cash, and their fast and high-quality implementation directly affects the company's profits.

The more services the bank can offer, the more attractive it is for entrepreneurs.

To date, RKO boasts a wide range:

  • opening and maintaining a current account;
  • translations, as inside the bank, and in other banks, to the accounts of legal entities or individuals and various payments;
  • institution at the expense of cash;
  • online banking, mobile applications and SMS messaging system;
  • any foreign exchange transactions, including their purchase, sale and exchange.
  • the possibility of payment by scanned copy of the invoice for payment;
  • constant availability of online money transactions for customers within the bank;
  • individual approach, depending on the specifics of the client's organization. Example, if the firm often operates in the international market, the cost and speed of registration of the passport of the agreement will be of great importance.

When the company mostly works with cash, the most important point of cooperation on RKO for it will be the minimum commission for depositing funds to the current account. And for novice businessmen, the commission for opening and maintaining the account will come first.

9. Frequently asked questions (FAQ) on RSC

Let's try to answer the questions in detail, who come to the editorial office of "Richpro.ru".

Question 1. Cash register maintenance and cash register maintenance are one and the same?

cash service Is a product of settlements and other financial transactions on the accounts of individuals and legal entities.

RKO Is a system of banking services, which allows you to service the accounts of individuals and legal entities, to carry out operations of writing off and crediting funds in national and foreign currency.

To use such services, the bank's client must provide the necessary documents, enter into an appropriate agreement with the bank and meet the requirements of applicable law and internal regulations.

cash service - is the bank's service to its customers. This service has nothing to do with maintenance of cash registers, object in which the cash register acts directly, and the service is provided by the bank's technical staff or a third-party maintenance organization.

Question 2. How to choose the best bank for small business on RKO?

Over 600 Russian banks ready to offer their services to small businesses, having fundamentally different conditions for their provision and tariffs. Not to get confused in all this diversity, it is important to identify the most important RCO operations for your company, which are held or planned in the next six months.

Among the criteria for choosing a partner bank are the following:

  1. The main currency with which the company works. Does the bank work with her?, what conditions it provides for transfers, currency exchange, whether there is a currency control service (for those, who works on the import and export of goods and services and often settles with foreign partners), and online currency exchange service at any time, which will help protect your accounts from financial losses.
  2. Availability and amount of commission for current account maintenance, connection to the online banking system, cost of translations. It will be more convenient for beginner entrepreneurs, if for some time (usually, three to six months) after opening an account, no commission will be charged for its conduct, in case of absence of operations on the account.
  3. Cash transactions. The issuance of cash and their institution on the account is subject to an additional fee, which must be taken into account when calculating the profitability of the tariff.

Having decided on the main operations and studied the proposals of various banks, you need to calculate the approximate cost of RKO, which will be needed monthly. It is important not to forget the one-time commissions, which are held once, when opening an account, connection to the remote control system, issuance of electronic key and so on.

In addition to the cost of maintenance, the choice of bank should be influenced by other issues, such as:

  • How fast the account is opened (whether it is possible to book online)? If possible, open an account online, you can get the details immediately, with which you can work, and bring the documents to the bank later.
  • What is the credit rating of the bank? Due to the increasing revocation of licenses from banks in recent years, this indicator is especially relevant. After all, even short-term downtime, due to account freezes, may result in loss of profits and other financial difficulties.
  • Are there any bank branches in the city, where the firm operates? Lack of offices can lead to difficulties, related to the efficiency of decision-making and operations.

10. Conclusion + video on the topic

so, to do without settlement and cash service nowadays impossible, however, and the benefits of using such a service, obvious. Cashless payments make our lives easier and more convenient.

Though, that the RCO entails additional costs, it significantly saves our time. Any transactions with your current account can be done online or even with a mobile phone.

It is possible to open an account with the help of Internet resources, without visiting a bank branch. In conditions of competition, banks are doing everything possible, to attract as many customers as possible.

Now we know, how to properly assess the bank for the profitability of cooperation with him on RKO and having data on the five major banks may well navigate the modern market and make the right choice.

In conclusion, we offer you to watch a video about the settlement and cash services of legal entities: