Isiphetho-akhawunti - ke ... Ukuvula i-akhawunti. Yamanje akhawunti SP. Yokugcina akhawunti yamanje

Nanoma yiluphi uhlobo ukwenza ibhizinisi kuhilela kwemali. osomabhizinisi ngamunye kokuncinyane umsebenzi kusaqalwa yentuthuko kwebhizinisi ungenza izinkokhelo izimpahla namasevisi e ifomu yemali. Kodwa ekugcineni kuza isikhathi lapho kudingeka sivule i-akhawunti yokukhokha. Lokhu akusho ukuthi udinga ngokushesha ukusebenzisa ibhange kanye isicelo. Okokuqala, kumelwe uthole ukuthi inqubo jikelele for ukuvulwa kanye nokwenziwa ukuvala yama-akhawunti. Khona-ke kudingeka sihlaziye nemibandela amabhange ezahlukene kanti ukhethe best.

Kungani udinga i-akhawunti yamanje ye-Savings Bank

Ngokulandela umthetho, isinqumo ukuvula i-akhawunti ithatha usomabhizinisi ngokwakho. Uma ukuziphatha yemali isikimu akuyona okuphambene nemithetho ye Russian Federation, SP futhi inkampani angeke afake isicelo ebhange ngalolu daba. Enye into ukuthi inkampani ngokugcwele isebenze ngaphandle kokuhlola akhawunti akunakwenzeka. Ngokwesibonelo, uma ibhizinisi engena Inkontileka inani ruble 100 000, inkokhelo enjalo kumele kwenziwe ngokusebenzisa ebhange. Le mali kwezibalo kuyinto ephansi umkhawulo ukubaluleka izivumelwano LLC. Ngaphezu kwalokho, izintela kanye nezinye izinkokhelo ayimpoqo zikhokhelwa ngokukhethekile EFT. It kuvela ukuthi i-akhawunti yokukhokha inhlangano kumelwe.

Siqoqa idatha

isiphetho-akhawunti - i-akhawunti, elenziwe isikhungo credit egameni iklayenti esitolo cash futhi cashless izinkokhelo.

Ngemva isinqumo esihle ngokuba khona i-akhawunti kumele ayejwayele ezicashile eyisisekelo inqubo, okuyilezi:

- Yini imibhalo kudingeka ukuvula i-akhawunti;

- izizathu kungenzeka kwenqatshwa;

- ezicashile ubuhlobo phakathi kwebhange iklayenti;

- inqubo Ukuvalwa kwe-akhawunti;

- Umnqamulajuqu nokuhlinzekwa idatha ku neziphathimandla zokulawula mayelana kuvulwa noma ukuvalwa kwe-akhawunti.

ushiya Omunye

Ukuvula i-akhawunti yasebhange senzeka ngesisekelo imibhalo ethile. Nakuba lomfula has izici zayo siqu, uhlu jikelele ngoba inhlangano engokomthetho simiswe ngalendlela lelandzelako:

- esitifiketini sokubhaliswa;

- isitifiketi sokubhaliswa irejista olulodwa;

- amakhophi somqulu

- idokhumenti eqinisekisa igunya abantu abafinyelela ku-akhawunti (abasunguli 'umhlangano olandelwayo Yokuqashwa esikhundleni sokuba umqondisi, oda Yokuqashwa accountant abakhulu, njalo njalo);

- amakhadi amasampuli nesignesha abantu abafinyelela ku-akhawunti; seal umbono;

- Ulwazi mayelana nokwamukelwa sokubhalisa ibhizinisi intela, izimali zempesheni, izimali extra-kwesabelomali;

- esitifiketini sokubhaliswa emizimbeni kwezibalo;

- ilayisensi imisebenzi yezezimali.

Ifomu lesicelo kuvulwa futhi akhawunti yesondlo inkontileka ikhasimende inikeza umsebenzi ebhange. IBhange angacela imibhalo ezengeziwe: iphrofayli amaklayenti; Ngaphezu isivumelwano ekulandiseni osonkontileka nokunye.

Ama-Akhawunti ye izinhlangano ezingokomthetho - non-izakhamizi

Ngaphambi ukungenisa yonke imibhalo udinga ukubhalisa ezindlini zenxusa lase-we Russian Federation wamanye amazwe. Ngaphezu kwalokho, kumele wonke amadokhumenti enikeziwe enamathiselwe translation kwasayinwa ku-Russian (umbhalo, izitembu, izimvu zamanzi, Apostilles, njll). Uhlu main kwemibhalo ayiguquki.

Imibhalo: i-akhawunti yamanje ye osomabhizinisi ngabanye

- isitifiketi sokubhalisa isimo;

- isitifiketi sokubhaliswa irejista olulodwa, isitifiketi lwesabelo Enterprise, OKATO, NACE etholakalayo eyicela ibhange;

- kukhishwe kusukela Unified State Register SP;

- amakhadi amasampuli nesignesha abantu abafinyelela ku-akhawunti; seal okuvelayo (uma sikhona);

- isicelo (kwifomu asebhange);

- isivumelwano sebhizinisi (ngesimo ibhange);

- ipasipoti;

- isivumelwano ukuqaliswa imisebenzi ukuthola inkokhelo evela ngabanye.

Decrypts inombolo ye-akhawunti

amakhophi kwasayinwa kwemibhalo ephambili we isisebenzi sasebhange inikezelwe ukuqinisekiswa futhi ekuqaleni. I-akhawunti yamanje Savings Bank siqukethe ezingu-20. Ezinhlanu zokuqala ukuchaza ibhizinisi core nangohlobo impahla iklayenti:

• 40701 - ezizimele wezimali;
• 40702 - izinhlangano ezingenzi nzuzo;
• 40703 - izinhlangano ezingenzi nzuzo;
• 40802 - ngabanye - SP;
• 40807 - Non-izakhamizi - izinhlangano ezingokomthetho;
• 40818 - ruble akhawunti ye-non-abahlali;
• 40819 - lwemali akhawunti ye-non-abahlali;
• 40821 - ngabanye - non-izakhamizi.

Letinombolo ezintathu ukucacisa lwemali ye-akhawunti:

• 810 - ruble;
• 840 - zamadola;
• 978 - euro.

Izinombolo 11 ezilandelayo amele inani umnyango, inombolo ye-serial ikhasimende noma inkontileka yakhe.

Ukwenqaba ukuvula i-akhawunti

IBhange ungenqaba sivule i-akhawunti iklayenti uma:

- kukhona isinqumo kusukela intela nokumiswa akhawunti wesevisi ngaphambili wavula;

- IP noma kummeleli wakhe engekho mathupha ngesikhathi izinqubo akhawunti ukuvula;

- ikhasimende uye walungiselela imibhalo ngedatha iqiniso;

- iklayenti alinikezi imibhalo jikelele;

- kunobufakazi ukuhileleka amaphekula imisebenzi iklayenti.

Uma kwenzeka yokwenqaba ukuvula i-akhawunti ebhange umsebenzi ubuyela isicelo iklayenti ngenothi mayelana nokwenqaba kanye kokuphawula isizathu sokuvakasha kwazo noma uthumele incwadi ehambisana. Isicelo kanye wonke amadokhumenti phinda omele weklayenti irisidi.

Izici service lokukhokhisa IP

Yamanje akhawunti IP, ungavula nganoma iyiphi ebhange Russian. Kodwa umbuzo uwukuthi ukuthi kwezinye izikhungo emanani lasetulu ngoba esiza kula ma-akhawunti. Amabhange ngokuvamile ukwabelana imali yesondlo ngokungenele izinkampani icala futhi osomabhizinisi umuntu ukukhokhelwa zokugcina ruble ezingamakhulu amabili ngenyanga, inqobo nje uma isibalo okwenziwe akhawunti izingcezu ngenyanga hhayi engaphezu kwamashumi amabili. Uma kuthengiselana engazange abe khona, iKhomishana ngeke ukhokhiswe. Njengoba osomabhizinisi ngabanye ngokuvamile ukusebenza ukude, ukutholakala khulula Internet Banking for okusheshayo ibhalansi isheke bese uthumela izinkokhelo kuyoba inzuzo enkulu lapho ekhetha yasebhange izinsizakalo.

Ngaphambi kokusayina inkontileka kumelwe asinake izindleko amasevisi alandelayo:

- ukuvulwa, lokuvala, ukuphathwa kwe-akhawunti;

- ukufakwa kanye nokugcinwa intanethi;

- ukudluliswa kweemali kwiKhomishana ku-akhawunti yamanje futhi kwamanye amabhange.

Izici ukuhoxiswa kwezimali ezivela PI

Uma kuvulwa inqubo yenkampani kanye osomabhizinisi mayelana efanayo, bese ukususwa inkokhelo umuntu usomabhizinisi nezindaba ezingase ziphakame. Zonke izimali ku-akhawunti wamanje okungewakho usomabhizinisi. Ngokomthetho isiRashiya, zonke ukuqhutshwa IP, okuyinto zazitholakala ngenxa yomsebenzi ebhizinisi, usomabhizinisi elahla yayo. Okwazekayo, idiphozi futhi imali ukusetshenziswa siqu kusuka ku-akhawunti nganoma yisiphi isikhathi. Ekusebenteni, bangakunaki ibhizinisi kungcono hhayi ukusebenzisa zabama-third party.

Kodwa uma i-akhawunti wamanje - akhawunti lokhu kuthenga kusukela imisebenzi yebhizinisi, khona-ke kuphakama umbuzo, indlela ukususa imali SP-wathola. Inketho engcono - ukuze uthumele imali kusuka zokuhlala ku-akhawunti samanje umuntu. Ngo amazwana nokukhokhwa ezimweni ezinjalo kubalulekile ukuze ucacise "Ukudluliswa izimali siqu, engakutholanga VAT."

abaphathi Inkampani akuvunyelwe ngokomthetho ukuthi bachithe izimali akhawunti ye inhlangano engokomthetho ngezinhloso siqu.

le sevisi

Ukuvalwa kwe-akhawunti yamanje - ukuqedwa kwenkontileka services yasebhange. Ngaphansi komthetho yesivumelwano anganqanyulwa:

- by ukuvumelana phakathi kwezinhlangano zentando;

- unilaterally;

- ngesisekelo isinqumo senkantolo;

- nangenxa yezinye izizathu ngokunqaba umtsetfo.

Unilaterally ekuthatheni isinyathelo ibhange kungenzeka imbozwe zokuhlala. Lokhu kusho ukuthi inkontileka ungaqedwa yinkantolo ngenxa yokuntuleka kwemisebenzi izinsuku ezingu-365. Uma kungekho okwenziwayo kule akhawunti iminyaka emibili, ibhange kungaba ngesevisi kanye ukukhansela isivumelwano phakathi kwezinyanga ezimbili kusukela ngosuku isaziso ikhasimende.

Futhi unilaterally okuqalwe iklayenti kungenziwa ivaliwe zokuhlala. Lokhu kusho ukuthi iklayenti noma ngasiphi isikhathi angafaka isicelo okwesikhathi discontinuance yesevisi. Ukuba khona imibhalo ezingakhokhwanga akuyona isisekelo zokwenqaba ukuvala i-akhawunti.

Ngokusho nokugcinwa akhawunti enkantolo kungenziwa wayeka kulezi zimo ezilandelayo:

1. Uma kungekho imali ku-akhawunti inqanyulwa inkontileka. Umthethosivivinywa omusha ikhasimende angavulwa kuphela ngemva bephakamisa bentela.

2. Uma une imali ku-akhawunti amabili ongakhetha, kukhona:

- inkontileka akuyona ayavalwa futhi i-akhawunti ayikwazi ivaliwe kuze bephakamisa ukumiswa isevisi;

- inkontileka inqanyulwa, i-akhawunti ayikwazi ivaliwe kuze bephakamisa ukumiswa isevisi.

ezimweni ezikhethekile

Ukupheliswa kwezidingo kwenzeka ngosuku ebhange wathola isitatimende esibhaliwe iklayenti, uma isitatimende ayicacisiwe usuku. Uma, kuleli qophelo akhawunti zemali zilingana nemali esele kumele sikhokhwe iklayenti kusuka yemali ebhange noma zidluliselwa ku-akhawunti eshiwo iklayenti, zingakapheli izinsuku eziyisikhombisa ikhalenda. In the ukungabikho imininingwane ukudluliswa noma esabela kungenzeka izimali iklayenti agcinwe endaweni ekhethekile akhawunti off-ibhalansi ngaphambi kokuphela kwesikhathi imincele. Ngemva kwalokho, zizokwenziwa zibe ebhaliwe ucime imali ebhange. Noma yimuphi imali kanye settlement imibhalo wathola yiBhange ngemuva eduze yesivumelwano, wabuyela umthumeli uphawu okuhambisanayo. Uma ikhono ukuthumela imali futhi arekhoda khona umamukeli iklayenti engekho, isibonelo, ibhange ivaliwe, bona (imali kanye nemibhalo) zigcinwa umnyango wezomthetho yebhange. Wonke amadokhumenti angaphansi yokusungula ikhasimende.