Opening a current account for an LLC: rules, requirements and documents. What documents are needed to open a LLC current account?
If you intend to open a current account for an individual entrepreneur or a legal entity, first you will need to take care of a package of documents. Each bank has special requirements for it, and failure to comply with them on the part of the client may result in refusal to open an account.
The main list of documents was developed by the Central Bank of the Russian Federation. Their list may differ in different banks depending on the purpose of the account, the selected currency and other characteristics. It is important to prepare the documents correctly: copies must be certified accordingly. However, some banks only accept originals. Let's figure out what documents are required to open a current account.
Documents for opening a current account for an individual entrepreneur
To open an account, an individual entrepreneur should prepare documents in advance. Their list can be found on the website of the selected bank or by calling the hotline. You can also visit a bank branch and find out this information from the words of a consultant.
The list of papers in them is the same, and therefore we will present them as a single list. The documents required to open an individual entrepreneur bank account are as follows:
- identity document(for residents, this is a passport. It is provided in the original. No bank will serve you with a photocopy);
- certificate of registration of individual entrepreneurs as a taxpayer;
- application for opening an account;
- card with samples of seal and signatures(a copy is certified by a notary or at a bank in the presence of all persons whose signatures are indicated in the sample);
- information about individual entrepreneurs according to the bank form(the form can be printed from the bank’s website and filled out yourself);
- documents that confirm the rights of persons whose signatures are in the sample to manage money in the account(photocopies are certified by a notary or a banking specialist. The provided extracts from the internal documentation of the individual entrepreneur are certified by the client);
- identity documents whose signatures are contained in the samples(banks require original passports. However, if the card has already been certified by a notary, then it is allowed to provide a letter with passport details, endorsed by an authorized individual entrepreneur);
Some banks additionally request financial documents of an individual entrepreneur if more than 3 months have passed since its opening. An entrepreneur can provide documents to choose from:
- copy of annual financial statements (this can be a balance sheet or a report on financial results. If the individual entrepreneur has been operating for less than a year, then interim reporting will be required);
- a copy of the most recently filed tax return (annual or quarterly);
- a copy of the auditor's report based on the results of the annual reporting , confirming the accuracy of the data and indicating compliance with the rules of accounting in accordance with the law;
- certificate of absence of debts to the tax authority (its validity period is three months from the date of issue).
What is important to check with the bank to open an individual entrepreneur’s current account?
List of documents for opening an LLC current account
Unlike individual entrepreneurs, legal entities provide a more extensive package of documents, since their activities are more complex. Accordingly, it takes more time to check it. Therefore, it is important to prepare all the papers in advance according to the bank’s requirements.
We will look at what documents are needed to register an account using the example of Sberbank and Tochka Bank. The list includes the following papers:
- Charter or memorandum of association(depends on the type of legal entity. Originals or copies certified by a notary, a representative of the Federal Tax Service or a banking specialist are provided);
- form P5007(original only);
- extract from the Unified State Register of Legal Entities(original. If you provide a copy, it can be certified by a tax office, notary office or bank);
- card with samples of seals and signatures(the copy is certified by a notary. This can also be done by a bank employee, but on the condition that all employees indicated on the card will be present in person);
- basic information about the organization according to the bank form(the form can be downloaded from the official website of the credit institution);
- documents confirming authority to manage the account(can make transfers, withdraw and deposit cash) of persons indicated in the card with samples (copies are certified by a notary or bank employee, extracts from documentation - by the client himself);
- papers to confirm the rights of the sole executive body(photocopies are certified by a notary or a banking specialist, and extracts from internal documentation are certified by the legal entity itself);
- identification documents of those who have the right to manage the money in the account(original passports for residents are required. If the card with samples is notarized, then a letter with passport data will be sufficient);
- licenses acquired to carry out the activities of the organization(if any. You can provide originals or photocopies, which will be certified by a notary or bank operator).
Sberbank and Tochka Bank also ask for additional documents, the list of which depends on the purpose of opening the account. You can find the paper requirements in the table.
| Additional documents for opening an account with Sberbank | Additional documents for opening an account at Tochka Bank |
| 1) confirmation from the Bank of Russia of the right of a legal entity to have a bank account (for organizations that open budget accounts); 2) and the passport of the representative (if the account is opened not by the owner of the company, but by an intermediary); 3) SNILS (upon gaining access to the digital signature). |
1) information about persons who own 25% of the authorized capital or more (passport data, TIN); 2) documents on the financial condition of the company (if the company has existed for more than 3 months. A balance sheet, tax return, audit report or certificate of absence of debts to the Federal Tax Service may be required); 3) reviews of the company from business partners who are clients of the bank, as well as from other credit institutions. |
8 banks that open a current account with a minimum package of documents
- Dot;
- Sberbank;
Procedure for opening a current account
To open a current account as quickly and easily as possible, you can reserve it on the website of the selected bank. This is done at any convenient time by entering basic information about the company via the Internet.
Then the bank operator will call you and clarify the list of required documents. You can come to a bank branch to transfer them or ask the manager to come to you. An account opened online becomes active within a few hours. Its further full functioning depends on how quickly you contact the bank with documents. Thus, opening an account can happen even in one day.
For those who open a current account through a representative by proxy, the time will be increased. This is due to the reluctance of many banks to provide services through intermediaries, as well as the waste of time verifying the authenticity of the power of attorney.
Immediately after registering his business with the tax authority, the entrepreneur must contact the pension and social funds for registration. At the same time, after opening a current account, there is no need to prepare an application to the tax and other authorities about the transaction. The bank will do this for you.
Paperwork
The documents regulating the opening of a bank account are appendices to the instruction of the Central Bank of the Russian Federation No. 153-I. According to them, in addition to providing a list of documents for opening an account, the bank requires you to fill out an agreement to agree to the service, as well as an application.
contains the following data:
- information about the client (name, organizational form, legal address, telephone number, email);
- a person’s request to open an account (indicate the currency and type of current account);
- signature of the director, chief accountant, company seal;
- signature of a banking specialist and his seal.
The application can be completed in advance using the bank’s form or drawn up in the presence of a bank specialist. The form can be printed from the credit institution’s website before submitting documents.
The bank service agreement is drawn up in two copies. By signing it, you automatically agree to the terms of the bank's regulations. It is there that the tariffs, commission amounts and other features of account management are spelled out.
Preparation of an LLC or individual entrepreneur for account registration should take place under the close attention of the manager. The absence of any one document will lead to refusal to register a bank account, even if you previously reserved it on the website.
It is important that the prepared list of documents meets the requirements of the Central Bank of the Russian Federation and is legally correct. If you certify documents at a bank branch, you should not make copies in advance. It is better to entrust this process to the operator to avoid poor-quality images.
Registration of documents takes about 40 minutes. The bank employee will enter all the information into the computer and print out the necessary papers. After putting your signature on them, the account will be active in a few hours.
In January 2017, the package of documents provided for opening a current account for an LLC changed. Certificates of registration and registration with the Federal Tax Service were abolished, and the Unified State Register of Legal Entities was put into effect.
Complete list of documents
Opening a current account for an LLC is a standard procedure. Requirements for the package of documents vary from bank to bank, but the main list remains the same. Constituent documents and orders are submitted to the bank in the form of copies, which can be certified by a notary or a bank employee, and banks certify copies of documents free of charge.
The procedure is regulatedArticle 5 of the Federal Law of December 2, 1990 N 395-1Chapter 4 of Bank of Russia Instruction No. 153 dated May 30, 2014 .
Table 1. List of required documents for opening a current account for an LLC
| Name | The essence of the document | Validity |
| Charter | A copy of the LLC Charter with the stamp of the Federal Tax Service department | — |
| Certificate of state registration of a legal entity | Confirms the legality of the existence and functioning of the organization, the entry into the state register of an entry on the registration of a legal entity and the assignment of a OGRN to it | — |
| Certificate of registration with the tax authority | Confirms registration with the Federal Tax Service office at the location of the organization and assignment of a TIN and KPP to it | — |
| Unified State Register of Legal Entities sheet according to form No. R 50007 | An analogue of the Certificate of State Registration and the Certificate of Registration since 2017. | — |
| Extract from the Unified State Register of Legal Entities | Contains all information about the organization at the moment | 10-30 days |
| Documents confirming the powers of the director, general director | Orders, protocols or decisions on election | — |
| Licenses | An official document establishing the right to engage in any activity | Restrictions depend on the type of activity of the organization |
| Card with sample signatures and seal impressions | Contains sample signatures of persons authorized to dispose of funds stored in the account, a seal impression and other information | Indefinitely or limited by the terms of office of the persons indicated in the card |
| Power of attorney for opening a current account or concluding agreements on behalf of the organization | Necessary if the opening procedure is performed by an employee of the organization who is not its manager | Validity period is unlimited. If it is not specified, then the power of attorney is valid for a year |
| Documents confirming the authority of the organization’s employees to manage funds in the current account | Orders conferring powers and granting the right to sign or power of attorney, which contain the powers and category of signature | The validity period of orders is unlimited, unless restrictions are specified in the order itself. The duration of powers of attorney is unlimited, but if it is not specified, then powers of attorney are valid for a year |
| Identity documents of employees authorized to manage funds in the current account | For citizens of the Russian Federation - passport. For foreign citizens - passport, migration card and document confirming the right to stay or reside in the Russian Federation | — |
| Application for opening a current account | — | |
| Customer profile | Filled out at a bank branch | — |
Let's look at each document in more detail.
Charter
Where to get: formalized by the organization, then registered with the Federal Tax Service
Requirements for certification: notary or bank employee
If previously, when registering with the Federal Tax Service of the Russian Federation, the company received the original Charter, today - only a copy. Information about this is contained on the Federal Tax Service stamp on the last page. It is worth paying attention to this, since a cash settlement specialist can certify a copy taken only from the original.
Figure 1. Stamp of the Federal Tax Service on the CharterAccording to Article 79 “Fundamentals of the legislation of the Russian Federation on notaries”, only a notary can certify a copy of a copy. RKO specialists often turn a blind eye to this circumstance and independently certify the entire package of documents. Nevertheless, it is worth making preliminary inquiries at the bank, and in case of refusal, notarize a copy of the Charter or order it from the tax office.
Certificates of state registration of a legal entity and its registration with the tax authority
Where to get: issued by the Federal Tax Service upon registration.
Requirements for certification:
Until 2017, they were issued by the Federal Tax Service when registering organizations. They were then abolished and replaced by the Unified State Register of Legal Entities. Remains valid for companies created before 01/01/2017.
Unified State Register of Legal Entities
Where to get: issued by the Federal Tax Service upon registration.
Requirements for certification: notary or bank employee.
Contains information about the inclusion of an organization in the Unified State Register of Legal Entities and confirms the legality of its existence and functioning. Issued upon registration with the Federal Tax Service from 01/01/2017.
Extract from the Unified State Register of Legal Entities
Where to get: issued by the Federal Tax Service upon application.
Requirements for certification: served in original.
Contains complete information about the company. Issued by the Federal Tax Service on paper after payment of the state duty. A free extract can be obtained on the website of the Federal Tax Service of the Russian Federation.
Documents confirming the powers of the sole executive body of the organization
Where to get:
Requirements for certification
Such a document is the minutes of the meeting of founders or the order for the appointment of a director. If the founder is also the head of the organization, he issues an order to assign these responsibilities to himself. In the same order, he may be assigned accounting responsibilities.
Documents confirming the authority of the organization’s employees to manage funds in the current account
Where to get: orders on the main activities of the organization.
Requirements for certification: notary or bank employee.
We are talking about persons who have the right to manage the organization’s funds on an equal basis with the manager. It is necessary to provide the bank with orders or powers of attorney granting employees such powers.
An order assigning accounting duties will also be required. They can be assigned to both the manager and the employee of the company.
Licenses
Where to get: territorial executive bodies (Rosobrnadzor, Rosalkogolregulirovanie, Russian Transport Inspectorate of the Ministry of Transport of the Russian Federation, etc.).
Requirements for certification: notary or bank employee.
Issued by territorial executive bodies if the company's activities are subject to licensing. At the moment in Russia the validity period of most licenses is unlimited. This applies to areas of activity such as:
- pharmaceuticals;
- education;
- construction;
- operations with ferrous and non-ferrous metals, etc.
Licensing term restrictions apply to the following types of activities:
- passenger and cargo international and domestic Russian transportation;
- wholesale and retail sale of alcoholic products.
These licenses are issued for a period of 1 to 5 years.
If a company does not have a license or its validity has expired, commercial activities must be suspended.
Card with sample signatures and seal impressions
Where to get: drawn up and certified by a notary or bank employee.
Requirements for certification: Served in original.
The card can be certified by a notary or a bank employee, subject to the personal presence of persons authorized to sign. The procedure is paid, but its cost in banks is several times cheaper than with notaries.
The card must contain at least two signatures, unless otherwise regulated by an agreement between the client and the bank, as well as a seal.
The card is provided in a single copy, after which a bank employee, if necessary, personally makes and certifies copies.
The card is valid until the end of the bank account agreement or until it is replaced with a new one. The validity period of temporary cards is limited to the term of office of the persons indicated on them.
The procedure for issuing a card is regulatedChapter 7 of Bank of Russia Instruction No. 153-I dated May 30, 2014 “On opening and closing bank accounts, deposit accounts, and deposit accounts”
Approximate list of additional documents
To ensure the reliability and financial stability of companies, the bank can expand the list of documents for opening a current account. For LLCs already conducting business activities, the list includes additional items:
- information about beneficial owners, beneficiaries and counterparties is provided in the form of a questionnaire on bank letterhead;
- letters from counterparties characterizing the company, on letterhead and signed by the manager;
- financial statements for the last reporting period.
Before contacting the bank to open a current account, you should already have in hand: Documents issued to you by the tax office after registration; First you need to choose a bank and you should approach this responsibly. The bank should be close to where you conduct your business so as not to waste time on the road. Large banks often have higher service rates, so choose several banks in your area and check out their rates and services. Also pay attention to the speed and quality of customer service and, based on your observations, choose the most suitable bank. Next, prepare and submit the documents required to open an account. Each bank has its own rules for opening a current account, so check with the bank of your choice for the exact list of documents, as well as the need to have their copies certified by a notary. Below is a list of documents that are usually required when opening a current account. Required documents for opening an individual entrepreneur current account Certificate of state registration of an individual as an individual entrepreneur (OGRNIP); Required documents for opening a current account for a legal entity Certificate of state registration of a legal entity (OGRN); Also, at the bank itself you will need to fill out an agreement, applications, applications, cards, etc., which may take some time. If you want to make non-cash payments electronically (without visiting the bank), you need to conclude a service agreement using the Internet Client-Bank system. Do I need to notify the tax office about opening a current account in 2019? The obligation of legal entities and individual entrepreneurs to notify tax authorities about the opening (closing) of bank accounts has been abolished since May 2, 2014 (Federal Law of April 2, 2014 No. 52-FZ). Previously, it was required to notify the territorial tax office within 7 working days using form No. S-09-1. There is no need to notify funds about opening a current account. From May 1, 2014, the obligation of legal entities and individual entrepreneurs to notify state extra-budgetary funds about the opening (closing) of a bank account is canceled (Federal Law of April 2, 2014 No. 59-FZ). Opening a current account for individual entrepreneurs is not necessary. An individual entrepreneur has the right, but is not required, to have a current account. Whether to open an account or not is only your choice and depends on what kind of activity you will be engaged in. An individual entrepreneur's current account with a bank will be necessary for concluding civil contracts with other entrepreneurs or organizations, as well as for conducting non-cash payments. An LLC cannot operate without a current account... Let's consider what documents are required to open a bank account and how the process itself goes. ▼ Try our bank tariff calculator: We set ourselves a goal: to regularly compare bank offers and find the most interesting and rare promotions. This month we noted a special offer from Alfa-Bank, whose reliability and quality of service is trusted. In Alpha you can now open an account for free using the “To start” tariff and receive other useful bonuses. This is a unique promotion; to participate in it you need to send an application from the website or from the free service 1C-Start, Alpha’s partner for business registration. Which bank to choose in the end is up to you. Today banks are very interested in legal clients. Promotions to attract clients are held almost continuously; to open a current account, a legal entity only needs to make one call and then come to the bank once. Most often there are two reasons for such a decision: So, to open a bank account for the head of an LLC, you need to go through the following chain: Becoming the owner of a personal account account, generally speaking, is not difficult. If you still receive a refusal, do not waste time on a long (especially a court) trial. Just contact another bank. Today, to conduct any economic activity, without any exceptions, it will be necessary to open a special current account. Moreover, such a procedure has its own characteristics. Almost all credit organizations and banks offer services for opening a current account. To implement this procedure, you will need to draw up an application, as well as collect an extensive list of various documents. It varies somewhat for different organizations and individual entrepreneurs. Moreover, the list for opening an account may also differ in different banks. This point has not been established in any way. The process of opening a current account is associated with some features of this service itself provided by the bank. At the same time, if all mandatory conditions are met, the credit institution does not have the right to refuse to provide the product. In the same time? if it is determined that the information provided in the documents is false, this will cause a refusal to open an account. The main issues that will need to be considered in advance include: A current account is a special account that is used to solve many different problems. First of all, this is the transfer of money both to him and to various contractors. There are some features of this. In addition to the usual default name "checking account", the following various alternative designations are often used: But regardless of the name used in a particular case, the account still continues to be a settlement account. Many banks offer all kinds of additional functions in addition to the basic set of functions. Almost always they are not mandatory, but for activities in certain areas they are simply necessary. Many banking companies are developing special packages. For example, for those working in the trade sector or others. The most significant features of the account of this type include the following: The most significant feature of this account is its wide functionality. With its help you can solve a wide range of different problems. Today, current accounts allow you to carry out the following operations without any difficulty: It is important to remember that many accounts charge some interest on the amounts placed on them. But their size is minimal. Since such accounts are usually not used to generate profit, they are not profitable. Deposit accounts and deposits are completely different products. Typically the rate is no more than 1-2%. It is because of the possibility of withdrawing funds at any time that interest rates are set so low. There are also many other features associated with the use of this type of account. If you plan to use it continuously in the future, you should familiarize yourself with all of them if possible. This way you can avoid various difficulties when interacting with the bank. If possible, opening an account should be done in the region of permanent registration of an individual entrepreneur or enterprise. Or in a region where there is a permanent presence of a branch or representative office of the company. It often happens that it is quite difficult to gain access through another bank branch other than the one where the account was opened. Problems arise quite often. Detailed information on this matter can usually be obtained from consultants. There are no special legal documents regulating the issue of opening a current account. That is why when carrying out all procedures you should rely on. It includes the following main sections: The most important section that regulates the implementation of interbank transactions is Chapter No. IV of Federal Law No. 395-1 of December 2, 1990. It includes sections: Most often, accounts of this type are required specifically by legal entities, as well as individual entrepreneurs. The list of documents required when opening an account directly depends on the organizational and legal form of the enterprise. This point is worth paying close attention to. The easiest way to find out the list is by phone or online. You can also get advice directly at a bank branch. Collecting documents and then signing them accordingly is one of the most important stages. It is also worthwhile to carefully and in advance familiarize yourself with the agreement that is being signed. The list of documents in different cases may vary greatly: Today, LLC is one of the most popular organizational forms. The reason for this is the ease of opening and. For this reason, the easiest way is to collect a package of documents specifically for a limited liability company. In almost all cases, without exception, the set of documents is standard, regardless of the bank. But it is still worth remembering the extensive list of various nuances. Typically, the following documents are required to open a current account in any bank: The list of documents may vary significantly depending on a large number of different factors. It’s worth getting a list of everything you need in advance. This way you can significantly save time on collecting papers. If at least one position is missing, opening an account will simply be denied. The list of documents required to open an account in the case of an individual entrepreneur is significantly smaller than for a legal entity. It includes the following items: Usually the above list is quite enough to open a current account. In some cases, additional paperwork may be required. Documentation preparation should be done in advance. To collect you will need to visit: Today, the process of opening an account takes a minimum amount of time. You just need to familiarize yourself in advance with the list of documents required in this case, as well as other nuances. This will significantly save time spent on implementing certain procedures.
What documents are required to open a current account?
- notification of assignment of statistics codes from Rosstat;
- round seal of the legal entity (for individual entrepreneurs the seal is not required).How to open a bank account?
- notification of registration of an individual with the tax authority;
not necessary);
- extract from the Unified State Register of Individual Entrepreneurs (USRIP);
- round seal of individual entrepreneur (if available);
- passport.
- certificate of registration of a Russian organization with the tax authority at its location (TIN/KPP);
- current charter with the stamp of the tax office;
- extract from the Unified State Register of Legal Entities (USRLE);
- decision or protocol on the creation of a legal entity and the appointment of a manager;
- notification of assignment of statistics codes from Rosstat (optional);
- constituent agreement (if any);
- sheets of Unified State Register of Legal Entities (if available);
- licenses for the right to carry out activities subject to licensing (if any);
- documents for the legal address (certificate of ownership, lease agreement, letter of guarantee from the owner of the premises);
- round seal of the legal entity;
- passport.How to notify the tax office about opening an account?
How to notify funds about the opening of an account?
Do I need a current account for an individual entrepreneur?
What documents does the LLC provide to the bank to open an account?
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If the bank did not accept the documents and refused to open a bank account
Important aspects
What it is
Account purpose
Legal basis
Carrying out interbank transactions
How are interest rates determined on deposits, as well as the current accounts under consideration?
How relationships and interactions are built between credit history bureaus, the Central Bank of the Russian Federation and ordinary clients
How are various types of payments carried out between different credit companies?
Antimonopoly rules and the process of their implementation are outlined.
How is the repayment of funds issued on loan ensured?
List of documents for opening a current account for an LLC
For LLC
Application for opening an account
Type in question
Certain constituent documents
They may vary depending on the form of ownership, as well as an extensive list of some other factors
Certificate
Which confirms the state registration of a legal entity (if the enterprise was registered before 07/01/02, then you will need a certificate of amendments to the Unified State Register)
A document confirming the fact of production
Registered with the tax service
Current extracts from the Unified State Register of Legal Entities
If there is one
Bank card along with stamp samples
Signatures of the executive bodies of the enterprise (registration is required in accordance with certain instructions of the Central Bank of the Russian Federation)
Documents confirming the appointment of the following
executive director or other official;
chief accountantCitizens Identity Card
Which are indicated in the corresponding card (samples of seal, signatures)
License for the right to carry out activities
If licensing is required in the field of activity of a particular enterprise
Letter from a special authority
In which statistical data is reflected - Rosstat (it is necessary to indicate the current statistical codes of the applying organization - these are OKVED, OKPO and other necessary ones)
Documentary confirmation of the actual location of the specific applying enterprise
Agreement confirming, certificate of entering data into the Unified State Register of Legal Entities, other
For individual entrepreneurs
Certificate confirming the registration of an individual as an entrepreneur
OGRNIP
Notice that confirms the fact
Registration with the tax service
Notice confirming assignment of certain codes
Statistics from Rosstat
Extract from the Unified State Register
About a specific individual entrepreneur - USRIP
If the entrepreneur has a seal
You will need to provide a sample of it (along with a sample signature)
Passport of a citizen of the Russian Federation
—
Preparation of documentation