Ungayivula kanjani i-akhawunti yamanje - imiyalo yokuthi ungayivula kanjani i-akhawunti yamanje osomabhizinisi nabakwa-LLC + ukubuka konke kwamabhange e-TOP-8, lapho kunenzuzo futhi kushesha ukuvula i-akhawunti yasebhange yezinhlangano

Sawubona, bafundi abathandekayo bemagazini ye-Ideas for Life! Kulesi sihloko, sizokutshela ukuthi kunenzuzo futhi kuphi ukuvula i-akhawunti yokuhlola osomabhizinisi nabakwa-LLC abathile, imiphi imibhalo ezodingeka ukuvula i-akhawunti nokuthi yimaphi amabhange ahlinzeka ngezinsizakalo zokuvula nokugcina ama-akhawunti wokuhlola osomabhizinisi nezinhlangano ngazinye.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Kule ndatshana uzofunda:

• Kungani kufanele usomabhizinisi ngamunye kanye ne-LLC bavule i-akhawunti yamanje;
• Kushesha kangakanani futhi kuphi kangcono ukuvula i-akhawunti yamanje;
• Izinzuzo nezici zobukhona be-akhawunti yasebhange nenkampani.

Bonke abanikazi bezinkampani ezinkulu nezincane, osomabhizinisi ngabanye nabaphathi bamabhizinisi nezinhlangano kudingeka bazi nge-akhawunti yamanje.

Uma ufuna ukwazi ukuthi ungayivula kanjani i-akhawunti yamanje ngokushesha futhi ngokunenzuzo, funda i-athikili yethu engezansi. Ngakho asihambe!

Ungayivula kanjani i-akhawunti yamanje kumabhizinisi ngamunye noma i-LLC nokuthi imiphi imibhalo ezodingeka ukuvula i-akhawunti yamanje ebhange - funda le ndatshana

1. Yini i-akhawunti yamanje nokuthi yenzelwe ini - izinzuzo zencazelo + ye-p / s 📋

Ngokomthetho weRussia Federation, zonke izinhlangano ezisemthethweni zingagcina izimali zazo kwi-akhawunti yamanje nebhange.

Ihlola i-akhawunti - le yi-akhawunti yasebhange enenombolo eyingqayizivele enikezwe iklayenti, ngenhloso yokuhlonza kwakhe, ngokukhokha okungakhokhwa mali lapho kwenziwa imisebenzi yebhizinisi, ukukhokha intela nokunye ukukhokha.

Ama-akhawunti angavulelwa zombili izinhlangano ezisemthethweni (i-sole proprietorship, LLC, njll.) Nabantu ngabanye. Isici esiyinhloko se-akhawunti yamanje ukuthi ivulwa ukuze kwenziwe imisebenzi yezentengiso (noma enye).

Ngiyathokoza ukwazi: i-akhawunti yamanje ayivulelwa ukuqoqwa kwemali; inzalo ayikhokhiswa kuyo (ngaphandle kokungajwayelekile). Kuyadingeka kwimisebenzi yamanje yenkampani.

Izinzuzo (+) zokuba ne-akhawunti yamanje

Inkampani ene-akhawunti yamanje inezinzuzo ezilandelayo:

Inzuzo 1. Isimo sebhizinisi elisemthethweni

Ukuba ne-akhawunti yasebhange kwandisa isimo senkampani, kukhulisa ukwethenjwa kwabahlinzeki, futhi kufakazele ukuthi inkampani inokwethenjelwa futhi izinzile.

Inzuzo 2. Ukugcinwa okuphephile kwemali yenkampani uqobo

Izinkokhelo ezingenamali zithathwa njengeziphephe kakhulu uma ziqhathaniswa nezinkokhelo zemali. Ithuba lokuthola imali engamaphepha yomgunyathi, ukweba, ukuphoqelela amandla akufakiwe.

Inzuzo 3. Ukuxazululwa kwamakhasimende

Ukuba khona kwemali engenayo kwi-akhawunti yamanje kuqinisekisa ibhange ngokuxazululwa kwamakhasimende. Lapho ufaka isicelo semalimboleko, uzonikezwa imibandela evumayo yomuntu ngamunye. Ngaphezu kwalokho, ngeke sibe khona isidingo sokunikeza ubufakazi benzuzo yebhizinisi.

Inzuzo 4. Ukusebenza okusheshayo nokulula

Amathuba we-Intanethi avumela ukukhokha online, ngaphandle kokuvakashelwa okuyimpoqo ebhange. Izinkokhelo zenziwa usuku nosuku. Izimali zifakwa ngokushesha, ngohlelo lwebhange elilodwa ngaphandle kwamakhomishini nezinkokhelo ezingeziwe.

Inzuzo 5. Izinkokhelo zeselula

Ungakhokha noma yikuphi nge-Intanethi.

Inzuzo 6. Ukulawula ukuhamba kwemali

Ukuqaliswa kokulawulwa okufika ngesikhathi kokutholwa kwezimali kubalingani. Kumodi eku-inthanethi, ungahlala uhlola amarisidi ku-akhawunti yamanje.

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Ngosizo lwe-akhawunti yamanje, inkampani iyakwazi ukukhokha ama-akhawunti nabahlinzeki, ithola imali kubathengi, ikhokha intela, ikhiphe imali ngenxa yombiko, ukukhokhela abasebenzi, amakhaya. izidingo, ezokuhamba nezinye izindleko, zithola futhi zikhokhele imali mboleko nokunye.

Yimiphi imibhalo edingekayo ukuvula i-akhawunti yasebhange kusomabhizinisi ngamunye (IE) noma inkampani enomkhawulo yesikweletu (LLC) - uzothola okunye

2. Imibhalo edingekayo yokuvula i-akhawunti yamanje yosomabhizinisi ngabanye kanye ne-LLC 📑

Amabhange anezidingo ezahlukahlukene zokuvula ama-akhawunti. Kwesinye isikhathi izikhungo ezikweletisa imali zenyusa ngokukhethekile ukuheha amakhasimende, zisho ukuhlinzekwa kwamaphakethe enziwe lula.

Izidingo ezijwayelekile zamabhange zemibhalo lapho kuvulwa i-akhawunti yamanje:

• Imibhalo engokomthetho yenhlangano: Izindatshana zeNhlangano, isinqumo sokusungula ibhizinisi (isinqumo senkambiso, uma kukhona abasunguli abaningana), izindatshana zenhlangano.
• Ama-oda wokuqokwa umqondisi, umphathi omkhulu wamabhuku ezimali (uma kunesidingo).
• Amaphasiphothi abantungubani ozoba nelungelo lamasiginesha wokuqala nowesibili ebhange.
• Khipha kuRejista Yombuso Ehlanganisiwe Yezinhlangano Ezisemthethweni noma i-EGRIPyenziwe isikhathi esingeqile ezinyangeni ezi-3.
• Imibuzo mayelana nokuba khona / ukungabikho kwesikweletu ngentela nezimali ezikhokhwayo.
• Lapho ufaka imibhalo ngumuntu ogunyaziwe, imibhalo eqinisekisa igunya lakhe.
• Ukuphrinta (phambi kwe).

Ukonga isikhathi, ungavula i-akhawunti yamanje nge-Intanethi, ngokuthunyelwa okulandelayo okuyimpoqo ebhange imibhalo yoqobo.

Ikhadi elinesiginesha eyisampula ligcwaliswa ebhange. Udinga ukuthi uqaphele kakhulu lapho ufaka isampula yakho yesiginesha, yonke imisebenzi ku-akhawunti izokwenziwa kuyo ngokuzayo, futhi uma isiginesha ibonakala yehlukile ku-opharetha, imibhalo ingabuyiselwa ngaphandle kokubulawa.

Ukuze uthumele izimali ku-akhawunti yamanje, akwanele ukwazi inombolo yayo kuphela. Kudinga imininingwane ye-akhawunti yasebhange, ekhonjisiwe esivumelwaneni se-akhawunti yasebhange esiphethwe phakathi iklayenti futhi ibhange.

Zonke izinhlangano ezisemthethweni kudingeka zivule i-akhawunti yamanje. Umthetho uhlinzeka ngamathuba okusebenza ngaphandle kokuvula i-akhawunti kuphela kosomabhizinisi ngabanye (osomabhizinisi ngabanye) abasebenza ngaphandle kokuvula inhlangano esemthethweni.

Kodwa-ke, kunomkhawulo enanini eliphakeme lokuthengiselana kwemali enanini lama-ruble ayizinkulungwane eziyi-100.

Ngokwesibonelo: I-SP isayine inkontileka yokuhlinzekwa kwezinto ngenani lama-ruble ayizinkulungwane ezingama-500. Ungakhokha kuphela ngokudlulisa imali ebhange, kanti nosomabhizinisi uzophoqeleka ukuvula i-akhawunti yamanje ebhange.

Uma isimo singafinyelelwanga, lapho-ke sihlolwa ihhovisi lentela, kulungile izokwenzela osomabhizinisi ngabanye kufika kuma-ruble ayizinkulungwane ezinhlanu, ye-LLC ku Izikhathi ezili-10 (eziyishumi) ngaphezulu... Ungafunda ngentela yosomabhizinisi ngabanye lapha.

Lo mkhawulo awusebenzi ezikhwameni ezitholwayo zamaholo, zokubika, izinkokhelo zenhlalo, zezidingo zomuntu siqu zosomabhizinisi (lokhu kuzodinga ukufakazelwa).

Ibhange lingamisa imisebenzi ku-akhawunti ngesicelo sabantu abagunyaziwe.

Kungabanjwa ukutholwa kwe-akhawunti noma izinkomba zamakhadi ezimweni ezilandelayo:

• Izinkokhelo ezenziwa ngemuva kwesikhathi kusabelomali.
• Ukubambezeleka ekufayeleni amafomu entela yemali engenayo.
• Icala leziphathimandla zokwahlulela.

Ungavala i-akhawunti ezimweni ezilandelayo:

• Isinqumo somuntu ogunyaziwe.
• Ukumiswa noma ukuhlelwa kabusha kwebhizinisi elisemthethweni.
• Ukuqothuka.
• Isinqumo sokwahlulela.

Uma, lapho kuvalwa i-akhawunti, kukhona ibhalansi kuyo, ngokwesicelo sabantu abagunyaziwe, idluliselwa kwenye i-akhawunti noma ihoxiswe ngokheshi.

Namuhla, amabhizinisi angaba nama-akhawunti amaningi ebhange elilodwa noma amaningi.

3. Kukuliphi ibhange lokuvula i-akhawunti yamanje yosomabhizinisi ngabanye nama-LLC - izindlela ezi-5 eziyinhloko zokukhetha ibhange 📊

Njengoba ubhalisile inkampani, kuyadingeka ukunquma ngebhange lapho i-akhawunti yamanje izovulwa khona.

Ake sicabangele izindlela ezibalulekile lapho ukhetha ibhange ukuvula i-akhawunti yamanje.

Umbandela 1. Ukuzinza kwesikhungo esikweletisa

Ukuphepha kwezimali zenkampani kuzoncika ekwethembekeni kwebhange.

Khumbula, ukuthi ibhalansi yezimali kwi-akhawunti yamanje ebhange ayifakwanga inshuwalense yinoma ngubani (ngokungafani nokufakwa kwabantu), uma kwenzeka kuqothuka, inkampani ingalinda isikhathi eside ukubuya kwezimali.

Ikhrayitheriya 2. Isilinganiso sentela namakhomishini (izindleko zesevisi)

Indlela yesibili ebaluleke kakhulu yokukhetha uhlelo lwentela olusetshenziselwa ukuvula nokugcina i-akhawunti. Umehluko kumanani emali emabhange ahlukene ungaba kakhulu kubalulekile, ngaphandle kwezinga lezinsizakalo ezinikeziwe. Ngakho-ke, kubalulekile ukukhetha uhlelo olufanele lwentela.

Amabhange athatha ikhomishini yokuvula i-akhawunti yamanje, inani layo lingaba kusuka kuma-ruble ayi-100. kuze kube izinkulungwane eziningana... Ungathola ukunikezwa kwesikhungo sokubolekisa vula i-akhawunti mahhala, kodwa kungakhokhiswa isilinganiso esiphakeme sesevisi.

Ngezansi ku-athikili kuzokwethulwa amazinga aphezulu emabhange azinzile futhi athembekile.

Umbandela 3. Ukutholakala kwe-Internet Banking

Ukubhanga nge-inthanethi manje sekuyinto edingekayo ekusebenzeni kwebhizinisi. Ikuvumela ukuthi ukhokhe ngokushesha, iselula, ngaphandle kokuvakashela ibhange.

Okubalulekile thola umbono wamakhasimende asebhange mayelana nebhange le-Intanethi elikhona, ngoba uhlelo lungahle lungasetshenzwa futhi luyinkinga ukusebenzisa.

Umbandela 4. Ukuthola inzalo kubhalansi ye-akhawunti

Ezinye izikhungo zezikweletu zinomsebenzi wokuqongelela inzalo yemali engenayo ebhalansi yezimali ku-akhawunti yamanje... Lokhu kuvame ukwenzelwa amaklayenti abalulekile ebhange, ukuze ahehe futhi aqoqele zonke izimali zamakhasimende kusikhungo esisodwa sezikweletu. Amaphesenti imvamisa angokomfanekiso, kepha aqukethe isimo sengqondo esihle.

Kukuphi okuzuzisa kakhulu ukuvula i-akhawunti yamanje ye-LLC nosomabhizinisi ngamunye - isilinganiso samabhange amahle kakhulu wokuvula i-akhawunti yamanje

4. Kukuphi lapho kunenzuzo khona ukuvula i-akhawunti yamanje kusomabhizinisi ngamunye noma i-LLC - amabhange we-TOP-8 (ahlukaniswa ngamasu wezimali)

Ungakhetha ibhange ngokuya ngemibandela ehlukene, kubalulekile ukunquma ngokubaluleke kakhulu kwebhizinisi elithile. Uma inkampani idinga i-akhawunti kuphela ngokuhlala neziphathimandla zentela, akufanele ukhethe amabhange anezicelo zeselula neze-Intanethi.

Ngokushoda kwemali njalo kwi-akhawunti yenhlangano, asikho isidingo sokukhetha imali enenzalo etholwe ku-akhawunti.

4.1. Amabhange lapho ungavula khona i-akhawunti yamanje ye-LLC kanye nosomabhizinisi ngamunye online mahhala futhi ngokushesha - amabhange ama-4 anamuhla namasu amasha

Amabhange amancane aqhubekayo ahlinzeka ngezimo ezinhle kumakhasimende awo. Ngezansi kukhona TOP-4 bank, lapho ungavulela khona i-akhawunti yamanje osomabhizinisi nabama-LLC mahhala futhi ku-inthanethi. La mabhange athuthuke kakhulu kwezobuchwepheshe futhi anamanani afanele wokuvula nokugcina i-akhawunti yamanje.

1) I-Bank Point (Iyavula)

ITochka Bank inikela ngezimo zesevisi ezilula zamakhasimende, yenza ukudluliselwa kohlelo lwebhange ubusuku nemini. Imali ekhokhwayo ingahluka ezifundeni ezahlukahlukene zobukhona bebhange. Amanani abiza kakhulu ahlinzekwa ngamahhovisi abamele iMoscow asebhange. Inikeza ngezinsizakalo zokuthola i-Intanethi, ukutholwa kwamaselula, ukudluliselwa ngokuqinisekiswa kozakwethu. Okubi kubalwa inani elinganele lamahhovisi namahhovisi abamele.

Ibhange linezinhlelo zentela ezi-3:

1. Izindleko eziphansi;
2. Umnotho;
3. Ibhizinisi.

Amanani wokuvula nokusevisa i-akhawunti yamanje ebhange laseTochka (Ukuvula):

Ukugcinwa kwanyanga zonke	Kusuka kuma-ruble ayizinkulungwane eziyi-1,9 kuya kweziyizinkulungwane eziyi-7.5
Ibhange le-inthanethi Ibhange elihambayo Izaziso ze-SMS	+, mahhala +, mahhala +, mahhala
Izindleko zokukhokha	Kusuka kuma-ruble angama-30.
Ukudluliswa kwemali kumakhadi	Kumahhala ngebhange lakho
Ukuhoxiswa kwemali	Khulula kuze kube ngamanani athile
Amaphesenti kubhalansi	Kuze kufike ku-8% ngonyaka

I-akhawunti yasebhange ingavulwa ngosuku futhi ingasetshenziswa ngokushesha. Usuku lokusebenza olunwetshiwe - kusuka ku-00.00 kuye ku-21.00.

Ibhange linikezela ngezinsizakalo zokuthola i-Intanethi, ukutholwa kwamaselula, ukudluliselwa ngokuqinisekiswa kozakwethu. Kuyini ukutholwa kwamaselula, ukuhweba kanye ne-inthanethi, sikubhalile esihlokweni esedlule.

Okubi kubalwa inani elanele lamahhovisi namahhovisi abamele ibhange.

2) Ibhange iTinkoff

I-Tinkoff Bank, ngokusho kokubuyekezwa kwamakhasimende, ihlukaniswa ngokusebenza okuhle, ukubhenka okulula kwe-Intanethi, amandla okuvula i-akhawunti nge-Intanethi. Kuyibhange elincane eliqhubeka ngokunqoba ngempumelelo imakethe yezezimali. Ububi bomsebenzi wakhe kubandakanya ukungabi khona kwenethiwekhi ebanzi yegatsha.

Ibhange linezinhlelo zamanani amabili: Elula, Elithuthukile.

Imali ekhokhwayo yokuvula nokugcina i-akhawunti yamanje neTinkoff Bank:

Ukugcinwa kwanyanga zonke	Izinyanga ezimbili mahhala, bese kusuka kuma-ruble angama-490.
Ibhange le-inthanethi Ibhange elihambayo Izaziso ze-SMS	+ mahhala + mahhala + mahhala
Izindleko zokukhokha	Kusuka kuma-ruble angama-29.
Ukudluliswa kwemali kumakhadi	Kumahhala kumakhadi asebhange.
Ukuhoxiswa kwemali	0,25%
Amaphesenti kubhalansi	8%

Isikhathi sokuvula sizothatha imizuzu embalwa kuphela, i-akhawunti ingasetshenziswa ngokushesha. Ibhange linayo usuku olude lokusebenza - kusuka 7.00 kuya 21.00

Ububi bomsebenzi wakhe kubandakanya ukungabi khona kwenethiwekhi ebanzi yegatsha.

3) Modulbank

Imodyuli yasebhange inikeza uhlelo lwentela lwamahhala lwamabhizinisi amancane futhi inohlelo lokusebenza olulula lweselula. Ngokusho kwabaphathi, izilinganiso kuma-akhawunti akhona manje zifakwa kumshwalense ongafika ezigidini eziyi-1.4. Ukungalungi kwebhange kufaka phakathi inethiwekhi yegatsha engavunyelwe, njengoba leli bhange lisencane, alinakho ukuzethemba okuphelele kwamakhasimende.

Inikeza ngezinhlelo ezintathu zamanani, kuye ngejubane: Qala, i-Optimum, Unlimited.

Imali ekhokhwayo yokusevisa nokuvula i-akhawunti yamanje eModulbank:

Ukugcinwa kwanyanga zonke	Ngokusho kwamanani kusuka kuma-ruble angama-490. iphakethe lokuqalisa mahhala.
Ibhange le-inthanethi Ibhange elihambayo Izaziso ze-SMS	+ mahhala + mahhala + mahhala
Izindleko zokukhokha	Kumahhala ngohlelo olungenamkhawulo, kwabanye kusuka kuma-ruble ayi-19.
Ukudluliswa kwemali kumakhadi	Kuze kube ngu-0.5%
Ukuhoxiswa kwemali	Kuzinhlelo ezinhle nezingenamkhawulo zamahhala, zokuqala i-1.5%
Amaphesenti kubhalansi	Kuze kufike ku-5% ngonyaka, kuya ngenzuzo kanye nohlelo lwentela.

I-akhawunti yasebhange ivulwa kungakapheli usuku olulodwa, noma ungayisebenzisa ngokushesha. Usuku lokusebenza lude - kusuka 9.00 kuya ku-20.30.

Okubi kwebhange kufaka phakathi inethiwekhi encane yegatsha, njengoba ibhange lisencane, alinakho ukuzethemba kwamakhasimende okuphelele.

4) I-Bank UBRD (i-Ural Bank yokwakha kabusha nentuthuko)

I-Ural Bank Yezokwakha Kabusha Nentuthuko inikela ngohlelo lwamanani entengo olulula. Isici sebhange yikhono lokushayela umphathi ukuze avule i-akhawunti ehhovisi lakho.

Kunezinhlelo eziyi-5 zensiza:

1. Iphakethe lebhizinisi 3 - Yonke imigomo ebandakanya izinyanga ezi-3;
2. Iphakethe lebhizinisi 6 - Yonke imigomo ebandakanyayo izinyanga eziyi-6;
3. Iphakethe lebhizinisi 12 - Yonke imigomo ebandakanyayo izinyanga eziyi-12;
4. Ku-inthanethi - isikhathi sangempela;
5. “Kulula” - ukukhokha kuphela okwenziwe nge-akhawunti.

Amanani wokuxhuma iyisevisi ekhokhelwayo, ibiza kusuka kuma-ruble ayizinkulungwane eziyi-2,5.

Amanani wokuvula nokugcina i-akhawunti yamanje ebhange le-UBRD:

Ukugcinwa kwanyanga zonke	Kumahhala kuwo wonke amanani, ngaphandle kwemali ekhokhwayo eku-inthanethi (ama-ruble ayi-450 ayo)
Ibhange le-inthanethi Ibhange elihambayo Izaziso ze-SMS	+, mahhala +, mahhala +, izindleko zingama-ruble angama-39.
Izindleko zokukhokha	Kusuka kuma-ruble angama-25.
Ukudluliswa kwemali kumakhadi	Ngebhange lakho mahhala
Ukuhoxiswa kwemali	1-3%
Amaphesenti kubhalansi	—

Ibhange livula i-akhawunti kungakapheli usuku olulodwa. Ukusebenza kosuku olujwayelekile - kusuka 9.00 kuya 18.30.

Isici sebhange yikhono lokushayela umphathi ukuze avule i-akhawunti ehhovisi lakho. Ibhange linikela ngohlelo lwamanani ashibhile, kepha i-SMS ekhokhelwayo iyazisa.

4.2. I-akhawunti yamanje emabhange amakhulu eRussia Federation - amabhange ama-4 athembekile namakhulu

Ake siqhubekele ekubukezweni kwamabhange amakhulu ezweni ngezinhlawulo zokuvula nokugcina i-akhawunti yamanje yezinhlangano ezisemthethweni.

1) Ibhange

I-Sberbank ayidingi ukunikela ngemibandela yokusebenza ekhethekile, iheha amakhasimende ngayo ukwethembekanokuba khona kwabaningi izethulo namahhovisi... Ngakho-ke, imali ekhokhwayo yokusevisa nokuvula i-akhawunti yamanje yosomabhizinisi ngabanye, ama-LLC nezinye izinhlobo zamabhizinisi eSberbank ziphakeme impela.

Amakhasimende asebhange “Abalulekile” (VIP) kuphela anenzuzo enhle kwi-akhawunti yawo yamanje futhi asebenzisa imikhiqizo ehlukahlukene yasebhange angathembela kwimigomo ekhethwayo.Njengebhonasi, iSberbank ithembisa ukuvula i-akhawunti yesibili neyalandelayo yamanje kumodi online ngaphandle kokuvakashela ebhange futhi uthumele eminye imibhalo.

Ukuvula i-akhawunti yamanje ngeSberbank, unikela ngezinhlelo zamanani entela eziyisithupha:

1. Ubuncane;
2. Isisekelo;
3. Izimpahla;
4. I-Optima;
5. I-Trade plus;
6. Umholo.

Imali ekhokhwayo yokuvula i-akhawunti yamanje nokunakekelwa kwayo kosomabhizinisi ngabanye nama-LLC eSberbank:

Ukuvula i-akhawunti	Okungenani ama-ruble ayizinkulungwane eziyi-1.5, lapho uxhuma ezinhlelweni ze-Optima noma zeTrade Plus, ukuvulwa kufakiwe enteleni
Ukugcinwa kwanyanga zonke	Kusuka kuma-ruble ayizinkulungwane eziyi-1.5.
Ibhange le-inthanethi Ibhange elihambayo Izaziso ze-SMS	+, mahhala — +, mahhala
Izindleko zokukhokha	Kusuka kuma-ruble ayi-100.
Ukudluliswa kwemali kumakhadi	Ngebhange lakho mahhala
Ukuhoxiswa kwemali	Kusuka ku-1%
Amaphesenti kubhalansi	—

Ibhange alihlukile ngejubane lomsebenzi, kuzothatha usuku olulodwa kuye ezinsukwini ezimbalwa ukuvula i-akhawunti. Isheduli yenkonzo yamakhasimende - kusuka ku-09.30 kuya ku-20.00.

Phakathi kokubi okuyinhloko kokusebenza ne-Sberbank yizinga eliphansi lekhwalithi yesevisi, ukwesekwa okungekho kwezobuchwepheshe, nobude besikhathi sokucutshungulwa kwezicelo.

2) I-Alfabank

I-Alfabank nayo iyazuza ekuthembekeni kwayo nasekuzinzeni kwayo, kunezinhlelo zezinsizakalo ezingazodwana, amabhonasi namakhuphoni ahlinzekwayo.

Amaklayenti aqaphela uhlelo lwentela oluphakeme kakhulu nokulawulwa okuqinile kokusebenza okwenziwa ngamakhasimende.

Amanani wokuvula nokugcina i-akhawunti yamanje e-Alfabank:

Ukuvula i-akhawunti	I-invoyisi yokuqala ivela kuma-ruble ayizinkulungwane ezingama-3.3, eyesibili neyalandelayo kusuka kuma-ruble ayi-990.
Ukugcinwa kwanyanga zonke	Kusuka kuma-ruble angama-300.
Ibhange le-inthanethi Ibhange elihambayo Izaziso ze-SMS	+, uxhumano ruble 990. +, mahhala +, mahhala
Izindleko zokukhokha	Kusuka kuma-ruble angama-25. kufika kuma-ruble angama-250.
Ukudluliswa kwemali kumakhadi	Ngebhange lakho mahhala
Ukuhoxiswa kwemali	Kusuka ku-0.5%, min. Hlikihla i-300
Amaphesenti kubhalansi	—

Ukuvula i-akhawunti nge-Alfa Bank kuzothatha izinsuku ezi-3 noma ngaphezulu. Ubude bosuku lokusebenza okujwayelekile - kusuka ku-09.00 kuye ku-19.30.

3) Ibhange laseVanguard

I-Avangard Bank ayinikezeli ngezimo zenkonzo enhle kakhulu.

Ngokusho kokubuyekezwa kwamakhasimende, ibhange linezinsizakalo zokufaka izinsizakalo, izingcingo ezicasulayo, yize ngokwesilinganiso umbono webhange ulungile.

Ibhange linikela ngezinhlelo zamanani ezilandelayo:

1. Isisekelo;
2. Kuthuthukile;
3. Konke kuhlanganisiwe.

Imali ekhokhwayo yokuvula nokugcina i-akhawunti yamanje ne-Avangard Bank:

Ukuvula i-akhawunti	I-akhawunti engu-1 eyizinkulungwane eziyi-ruble eziyizinkulungwane, bese kuba ama-ruble ayizinkulungwane eziyi-1
Ukugcinwa kwanyanga zonke	Kusuka kuma-ruble angama-500.
Ibhange le-inthanethi Ibhange elihambayo Izaziso ze-SMS	+, mahhala — +, RUB 500 ngenyanga
Izindleko zokukhokha	kusuka kuma-ruble angama-25. kufika kuma-ruble ayi-150.
Ukudluliswa kwemali kumakhadi	Kuma-ATM abo mahhala
Ukuhoxiswa kwemali	Kusuka ku-1.2%
Amaphesenti kubhalansi	—

Kuzothatha usuku olungu-1 ukuvula i-akhawunti nge-Avangard Bank. Usuku olufushane lokusebenza - kusuka ku-09.00 kuye ku-17.30.

4) Ibhange laseRaiffeisen

Ibhange ihhovisi elimele Ukubanjwa kwebhange lase-Austrian "Raiffeisen Bank International AG». Iphakathi kwamabhange amakhulu angama-20 asebenza eRussian Federation ngokwezimpahla.

Inikela ngamazinga esevisi aphakathi nendawo. Ibhange linikela ngezinhlelo zamanani entela ezi-2:

1. Qala;
2. Isisekelo.

Amanani wokuvula nokugcina i-akhawunti yamanje neRaiffeisen Bank:

Ukuvula i-akhawunti	mahhala
Ukugcinwa kwanyanga zonke	Kusuka kuma-ruble ayizinkulungwane ezingama-0.5.
Ibhange le-inthanethi Ibhange elihambayo Izaziso ze-SMS	+, uxhumano ruble eziyizinkulungwane 2.5. +, 190 ukugoqa. ngenyanga +, 190 ukugoqa. ngenyanga
Izindleko zokukhokha	RUB 50
Ukudluliswa kwemali kumakhadi	Ngebhange lakho mahhala
Ukuhoxiswa kwemali	Kusuka ku-0-1%
Amaphesenti kubhalansi	—

Kuzothatha usuku olungu-1 ukuvula i-akhawunti yasebhange. Ine usuku olufushane kakhulu lokusebenza - kusuka ku-09.00 kuye ku-17.00, okuyisikhathi esingesihle neze kumakhasimende.

Ibhange linikela ngamanani amaphakathi, ngentela yokuqala, i-Internet Banking iyakhokhwa. Amakhasimende aqaphela iqiniso lokuzama ukufaka izinsizakalo ezengeziwe ebhange

4.3. Itafula elifingqiwe lamanani entengo okuvula nokugcina i-akhawunti yamanje emabhange

Kuyadingeka ukukhetha ibhange ngokwezidingo zomuntu ngamunye, ukhetha izinkampani zobuchwepheshe eziqhubekayo.

Ithebula elingezansi linikeza ukufingqwa kwamapharamitha amakhulu ukuthola isithombe esiphelele samanani emali yamabhange athandwayo.

Izindleko zokuvula nokugcina i-akhawunti yamanje emabhange

Igama lebhange	Ukuvula i-akhawunti yamanje	Ukugcina i-akhawunti yamanje	Ukubhanga nge-inthanethi	Izindleko zokukhokha	Inzalo kubhalansi
I-Tinkoff	Ingabe mahhala	Izinyanga ezimbili mahhala, bese kusuka kuma-ruble angama-500.	Ingabe mahhala	Kusuka kuma-ruble angama-30, ama-ruble / ngenyanga angama-990 angenamkhawulo	Kuze kufike ku-8% ngonyaka
I-Modulbank	Ingabe mahhala	Kusukela ku-0 kuya ku-3 ayizinkulungwane zama-ruble.	Ingabe mahhala	Kusuka kuma-ruble angu-0 kuya kwangu-90.	Kusuka ku-3 kuye ku-5% ngonyaka
UBRD	Ingabe mahhala	Kusuka kuma-ruble angama-300.	Ingabe mahhala	Kusuka kuma-ruble angama-25.	Cha
Icashazi (Kuvulwa)	Ingabe mahhala	Kusuka kuma-ruble angama-500 kuya kuma-ruble ayizinkulungwane eziyi-7.5.	Ingabe mahhala	Kusuka kuma-ruble angu-0 kuye kwangama-50.	Kuze kufike ku-8% ngonyaka
I-Sberbank	Kusuka kuma-ruble ayizinkulungwane eziyi-1.5.	Kusuka kuma-ruble ayizinkulungwane eziyi-1.5.	Kufakwe ezindlekweni zesevisi	Ama-ruble ayi-100 akhokhiwe.	Cha
I-Alfa Bank	Ingabe mahhala	Kusuka ku-850 rub.	990 RUB ukuxhumeka	Kusuka kuma-ruble angama-25. kusuka ku-oda lokukhokha.	Cha
I-Vanguard	Kusuka kuma-ruble ayizinkulungwane eziyi-1.	Hlikihla i-900	Ingabe mahhala	Kusuka kuma-ruble angama-25. kusuka ku-oda lokukhokha.	Cha
Raiffeisen Bank	Kufakiwe intela	Kusuka kuma-ruble ayizinkulungwane eziyi-1.5.	2.5 izinkulungwane ngokuxhumeka ngakunye	Kusuka kuma-ruble ayi-15. kusuka ku-oda lokukhokha.	Cha

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Ngakho-ke, amabhange amakhulu anikela ngamanani entengo abizayo, okuchazwa yisikhundla sawo emakethe yezezimali. Kanye namabhange amadala azinzile njenge I-Sberbank, I-Alfa Bank, I-Vanguard, amabhange amancane athembisayo awekho ngaphansi ekusimeni nasekuxakekeni kwezinhlelo ezihlongozwayo. Imvamisa banikela ngokuningi amanani akhangayo futhi izimo zesevisi ezinhle... Wonke amabhange ethuliwe anezinga eliphezulu ngokusho kwezilinganiso zama-ejensi wokulinganisa.

Okubalulekile! Njengoba amanye amabhange enikela ngosizo isikhathi esithile mahhala, kunengqondo ukuvula ama-akhawunti hhayi kweyodwa, kepha emabhange amaningi bese ubheka ukusebenziseka kanye nekhwalithi yesevisi ngesibonelo somuntu siqu.

Okwebhizinisi elincanelapho inzuzo ku-akhawunti yamanje ihlelwa ukuba incane kepha izinzile, izinketho ezinhle kakhulu zingabhekwa I-Mobulbank, ebhange Icashazi, Tinkoffbank... Banikela ngenkonzo yamahhala kumakhasimende amasha (izinyanga ezimbalwa), banikela ngebhange le-inthanethi lamahhala kanye nokubhanga okuhambayo.

Uma i-LLC noma usomabhizinisi ngamunye ezothola ngaphezu kwama-ruble ayisigidi ngenyanga, kungcono ukumisa ukukhetha kwakho eSberbank, Alfabank, Avangard Bank, UBRD Bank. Banikela ngezinsizakalo ezenziwe ngezifiso futhi zizinzile futhi zithembekile.

Usizo ekuvuleni i-akhawunti yamanje yosomabhizinisi ngabodwa nama-LLC - imiyalo enezinyathelo ngezinyathelo

5. Uyivula kanjani i-akhawunti yamanje - imiyalo yesinyathelo ngasinye (usizo) ekuvuleni i-PC ye-LLC ne-IE 📝

Ukuvula i-akhawunti kuyinto edingekayo yomsebenzi wezinhlangano ezisemthethweni futhi efiselekayo kosomabhizinisi ngabanye. Uma usomabhizinisi ngamunye ehlela ukuthuthukisa imisebenzi yakhe, i-akhawunti izoba njalo kuyadingeka ukukhokha intela, ukuhlala nabahlinzeki nokunye.

Ngakho-ke, ake sibheke inqubo yesinyathelo ngesinyathelo yokuvula i-akhawunti yamanje.

Isinyathelo 1. Ukukhetha ibhange (isikhungo sezikweletu)

I-akhawunti ingavulwa ebhange elilodwa noma amaningana ngokucela kweklayenti. Ngemuva kokukhetha ibhange, iklayenti lixhumana nomphathi walo ukucacisa iphakethe elidingekayo lemibhalo. Ngemuva kokulungisa imibhalo, ugcwalisa ifomu lesicelo.

👉 Sincoma ukuvula i-akhawunti yamanje ngebhange elithembekile, isib, e- lesi sikhungo esibolekisa ngemali.

Amanye amabhange anikela service yokuvula i-akhawunti yamanje online nokunikezwa kwamakhophi amadokhumende, kodwa nesiqinisekiso sazo esiyisibopho ngesikhathi sokuvakasha komuntu ebhange. Imvamisa, ama-akhawunti wesibili nawalandelayo enhlangano esemthethweni avulwa ku-inthanethi ebhange elifanayo.

Amanye amabhange ayanikela ukuvakashelwa uchwepheshe ehhovisi lekhasimende, lapho i-akhawunti izovulwa khona lapho, ngaphandle kokuvakashela ebhange.

Isinyathelo 2. Ukukhetha uhlelo lwentela

Isinyathelo sesibili esibalulekile ukukhetha uhlelo lwentela olufanele. Kuya ngenani lezinguquko ezihleliwe ku-akhawunti yamanje.

Kukhethwe ngawodwana, kungenzeka ukuthi ushintshe kusuka kuhlelo olulodwa lwentela uye kolunye. Le nqubo ivame ukukhokhwa mahhala kumakhasimende.

Isinyathelo 3. Amaphepha

Ebhange, iklayenti ligcwalisa ikhadi lesampula elisayinwe, kwenziwa isivumelwano sokuvula kanye / noma ukukhokha kanye nezinsizakalo zemali (kwesinye isikhathi kwethulwa ngesivumelwano sokunikezwa kuwebhusayithi yenkampani futhi ayidingi ukusayina okuhlukile). Iyini insizakalo yokukhokha imali (ukukhokhela kanye nezinsizakalo zemali ezinkampanini ezisemthethweni) nokuthi yenzelwe ini, sabhala kwesinye sezindatshana zethu.

Kuyadingeka futhi ukusayina imibhalo yezinsizakalo ezingeziwe.

Lapho kuvulwa i-akhawunti yasebhange, bonke abantu abagunyaziwe noma abathembekile kumele babekhona (amandla abameli abangahlonishwa). Okuphoqelekile ukuqinisekiswa kwegunya kuyisimo.

Isinyathelo 4. Ukuhlela amasevisi angeziwe

Ngemuva kokusayina imibhalo, i-Internet banking noma i-client bank, i-mobile bank, ukuthola nokunye kusethwa.

Yini ukuzuza nokuthi kwenzelwa ini, funda incwadi yethu yangaphambilini.

Uma iklayenti lingazi kahle izinkambiso zomthetho zokuvula nokugcina i-akhawunti yamanje, ingaxhumana nezinkampani ezikhethekile ezinikezela ngezinsizakalo zokulungiselela nokuqinisekisa yonke imibhalo yokuvula i-akhawunti. Ulwazi lwabo nolwazi lomthetho kuzosiza ekuxazululeni zonke izinkinga ezivelayo.

6. Ungayithola kanjani i-akhawunti yamanje yenhlangano - izindlela ezi-4 ezilula 📄

Ake sibheke ezinye zezindlela ezilula zokuthola i-akhawunti yokuhlola yenhlangano.

Indlela 1. Ukuthola inombolo ye-akhawunti yakho yamanje, bheka nje isivumelwano esiphothulwe phakathi kwebhange neklayenti.

Uma ufuna ukuthola inombolo ye-akhawunti yenhlangano yomuntu wesithathu lapho uzodlulisela khona izimali, lapho-ke nayo ingabukwa ekugcineni kwesivumelwano.

Ungathola i-akhawunti yamanje yenhlangano (IP) ngemininingwane ekugcineni kwenkontileka

Indlela 2. Uma insizakalo yasebhange ye-Intanethi ixhunyiwe, ungaya ku-akhawunti yakho yangasese bese uthola imininingwane edingekayo lapho.

Indlela 3. Ungathola i-akhawunti yamanje yenhlangano nge-Intanethi (iwebhusayithi yehhovisi lentela - (egrul.nalog.ru))

Ungathola i-akhawunti yamanje yenhlangano nge-Intanethi nesevisi yentela yenhlangano

Indlela 4. Uma izinketho ezibalwe zingasizanga ukuthola i-akhawunti yenhlangano, khona-ke indlela esobala kunazo zonke ukuthi shayela ibhange.

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Ukuphothula izivumelwano / izinkontileka zokuhlinzekwa kwezimpahla nokunikezwa kwezinsizakalo, udinga ukwazi imininingwane yenhlangano esemthethweni. Imvamisa zibhalwa ekupheleni kwenkontileka, esigabeni esithi: “Amakheli nemininingwane yamaqembu "... Ngaphandle kwemininingwane yenhlangano esemthethweni akunakwenzeka ukudluliswa kwezimali.

Imininingwane ifaka phakathi:

• Igama lenhlangano, inombolo ye-akhawunti.
• Igama, i-BIC, INN, i-COR / ACCOUNT, i-KPP yebhange.

Lapho imininingwane engalungile icacisiwe, izimali zivame "ukulenga" ebhange bese zilinda ukuthi kufakwe isiqinisekiso. Iklayenti kufanele lazise isikhungo sekhredithi ngokubhala imininingwane eqondile yokukhokha.

7.Imibuzo Ebuzwa Njalo (FAQ) 💬

Cabanga ngeminye imibuzo osomabhizinisi abavame ukuyibuza lapho bebhalisa ibhizinisi labo.

Umbuzo 1. Kukuphi okuzuzisa kakhulu ukuvula i-akhawunti yamanje kusomabhizinisi ngamunye?

Usomabhizinisi ngamunye angavula i-akhawunti ngesikhungo esisodwa noma eziningana zezikweletu ngokubona kwakhe. Ukuncintisana okuphezulu kuphoqa amabhange ukuthi alwele iklayenti ngalinye, anikeze imigomo yesevisi evumayo.

Amaphuzu ayinhloko okufanele uwaqaphele lapho ukhetha ibhange:

• Ukuzinza komsebenzi, ukuzinza, isilinganiso sokwethenjelwa okuphezulu kwesikhungo sezezikweletu. Lolu lwazi lutholakala kuwebhusayithi ye-Central Bank, ama-ejensi wokulinganisa ahlukahlukene.
• Uhlelo lwentelaenikezwa yibhange. Kumele kuqashelwe ukuthi amabhange amancane aqhubekela phambili ahlinzeka ngamanani ashibhile kunezikhungo ezibolekisa ngemali esezitholile udumo emakethe yezimali.
• Ukubuyekezwa kwamakhasimende ngebhange... Kuyiqiniso ukuthi zizithobile, kepha zakha umbono ojwayelekile wezinga nobunzima bezinsizakalo ebhange.

Ezinye izikhungo zezikweletu zinikeza amaklayenti amasha insizakalo yamahhala yesikhashana (iTinkoff Bank, iModulbank), ngakho-ke osomabhizinisi ngabanye banethuba lokuvula ama-akhawunti emabhange amaningi futhi babone ukuthi kunenzuzo kangakanani ukusebenza nabo.

Amanye amabhange anikela ngamaphromoshini wesikhashana wokuvula i-akhawunti ngezinhlelo ezikhethekile zamanani entela. Ngokwesibonelo, Ibhange "iTochka" liphethe isenzo ngezinga elikhethekile lokugcina i-akhawunti izinyanga ezintathu - kusuka kuma-ruble ayi-750 / ngenyanga.

Uma usomabhizinisi ngamunye enenzuzo engaphansi kwesigidi esingu-ruble ngonyaka, izinhlelo ezikhethekile zamanani entela zinikezwa ngezindleko eziphansi zezinsizakalo.

Ithebula likhombisa idatha ezikhungweni zezikweletu ezidumile lapho ungavulela khona i-akhawunti yamanje osomabhizinisi ngabanye:

Igama lebhange	Izindleko zokuvula i-akhawunti	Izindleko zokugcina i-akhawunti (ubuncane) ngenyanga	Izindleko zokukhokha okungu-1 (ubuncane)
I-Point Bank (Ukuvula)	Ingabe mahhala	kusuka kuma-ruble angama-750.	kusuka kuma-ruble angama-30.
Ibhange iTinkoff	Ingabe mahhala	Izinyanga ezimbili mahhala, bese kusuka kuma-ruble angama-500.	kusuka kuma-ruble angama-30.
Imodyuli yasebhange	Ingabe mahhala	kusuka kuma-ruble angama-500	kusuka kuma-ruble angama-25.
UBRD	Ingabe mahhala	kusuka kuma-ruble angama-300.	kusuka kuma-ruble angama-50.

Izindleko zingahluka ezifundeni ezahlukahlukene zendawo yamahhovisi abamele amabhange. Imininingwane esesikhathini ezifundeni iyatholakala kumawebhusayithi amabhange kusizinda somphakathi.

Umbuzo 2. Ngabe kuyisibopho ukuvula i-akhawunti yasebhange futhi kungenzeka yini ukuqhuba usomabhizinisi ngamunye ngaphandle kwe-akhawunti yamanje?

Umthetho waseRussia awudingi ukuthi usomabhizinisi ngamunye abe ne-akhawunti yamanje nebhange. Uma inani eliphezulu lokukhokha ama-ruble angaphezu kwama-100 ayizinkulungwane (ngaphakathi kohlaka lwenkontileka eyodwa), usomabhizinisi ngamunye angaqhuba izindawo zokuhlala "Imali"... Ungakhokha futhi izintela nezinye izinkokhelo ngokheshi.

Kusomabhizinisi ngamunye, awukho umkhawulo ophoqelekile kubhalansi yezimali edeskini lemali (ngokungafani ne-LLC). Kulula kangakanani ukuthi usomabhizinisi anqume.

Osomabhizinisi ngabanye abasebenza ohlelweni lwentela lobunikazi noma i-USN bangenza ngaphandle kokuvula i-akhawunti yamanje.

Ukuba khona kwe-akhawunti yamanje kuvumela usomabhizinisi ukuthi afinyelele ezingeni elihlukile lomsebenzi. Ukuzethemba kozakwethu kuzokhula, kuzoba nethuba lokubamba iqhaza ezinhlelweni ezahlukahlukene zokusekelwa kombuso yibhizinisi, nokuphepha kwezimali zakho kuzokhula.

Umbuzo 3. Kungenzeka yini ukusebenzisa i-LLC ngaphandle kwe-akhawunti yokuhlola?

Ngokomthetho othi "On Limited Liability Companies", amabhizinisi anelungelo lokuvula i-akhawunti yamanje, okungukuthi, umthetho awudingi ukuvulwa kwawo ngqo, kepha uyethulwa imikhawulo enanini lokuthengiselana kwemali (kufika ezinkulungwaneni eziyikhulu ngaphansi kwenkontileka eyodwa), ngokuya ngomkhawulo obekwe ngamabhange wemali esele edeskini lemali lebhizinisi, lapho kubhekiswa khona izindleko zemali, ukudluliswa kwentela nokunye ukukhokha.

Ngakho-ke, empeleni, inkampani idinga i-akhawunti yamanje ukwenza imisebenzi ejwayelekile yebhizinisi.

Umbuzo 4. Kubiza malini ukuvula i-akhawunti yamanje?

Izindleko zokuvula i-akhawunti ziyehluka kuya ngamabhange. Ezinye izikhungo ezibolekisa ngemali zivula i-akhawunti mahhala, kwezinye izindleko zingaba ama-ruble ayinkulungwane eyodwa noma amabili... Yonke imininingwane iyatholakala kumawebhusayithi asemthethweni amabhange.

Umbuzo 5. Yiziphi izinkampani esezenziwe ngomumo (i-LLC) ezine-akhawunti yamanje nokuthi zingazithenga kuphi?

Njengamanje, awukwazi ukuchitha isikhathi nomzamo ekulungiseleleni imibhalo, ukubhalisa ngentela nezinye iziphathimandla, uvule i-akhawunti. Ungathenga inkampani esebenza ngomumo.

Isidingo sokuthenga singavela ngenxa ye- ukuphuthuma kokuhlinzwa ngaphansi kwenkontileka noma ngokuxhumene ne- ukungabi nesikhathi ukutadisha nokulungiswa kwemibhalo.

Ungathenga inkampani enomlando omuhle wesikweletu, lapho-ke kuzoba lula ukukhipha imali mboleko yasebhange. Uma kunesidingo, ungathenga i-LLC nge-akhawunti yamanje namalayisense ezinhlobo ezithile zemisebenzi, equkethe i-SRO, njalonjalo.

Ukuthengwa kwezinkampani kungenzeka ngezingosi ezahlukahlukene ze-Intanethi, ngokusebenzisa izikhangiso emaphephandabeni, njalonjalo.

Uma kunesikhathi sokubhaliswa, kungakuhle ukuthi uvule inkampani ngokwakho. Ngakho-ke uzokwazi ngokuqinisekile ukuthi inkampani isanda kubhaliswa futhi ayinazo izikweletu nezingxabano nabantu besithathu.Ngaphezu kwalokho, sesivele sichaze ukuthi singamvula kanjani usomabhizinisi ngamunye sisodwa futhi sibhalise i-LLC kuwebhusayithi yethu.

Umbuzo 6. Uyivala kanjani i-akhawunti yamanje kasomabhizinisi ngamunye kanye ne-LLC?

Isidingo sokuvala i-akhawunti singadalwa wukushintshelwa kokusebenza kwelinye ibhange, ukuqedwa kwemisebenzi kasomabhizinisi. (Ngemininingwane engaphezulu ngokuvalwa kwe-LLC kanye nokuqedwa kukasomabhizinisi ngamunye, funda isigaba esihambelanayo sesayithi "Imibono Yempilo")

Ukuvala i-akhawunti yasebhange ye-LLC nosomabhizinisi ngamunye akuyona inqubo eyinkimbinkimbi futhi, njengomthetho, mahhala.

Ukuvala i-akhawunti, usomabhizinisi ngamunye uthumela ebhange isicelo sokuvala i-akhawunti ngendlela yebhange. Kukutshela okufanele ukwenze ngezimali ezisele ku-akhawunti. Zingatholwa ngokheshi noma zidluliselwe kwenye i-akhawunti.

Lapho ithola imali kwi-akhawunti yamanje kasomabhizinisi nebhange, ibhange lizobuyisa inkokhelo ngaphandle kokukhishwa, ngenothi lokuthi i-akhawunti ivaliwe.

Okubalulekile! Ihhovisi lentela kanye nesikhwama sempesheni baziswa ngokuzenzekelayo ngokuvalwa kwe-akhawunti kungakapheli isonto.

Zonke izinkontileka zomfakisicelo ngaphansi kwezinkontileka nazo ziyaziswa.

Umbuzo 7. Ungayivulela kanjani i-akhawunti yamanje usomabhizinisi ngamunye eSberbank

ISberbank inenethiwekhi ebanzi kakhulu yamahhovisi amele, amagatsha, namahhovisi angeziwe ezweni lonke. Ngakho-ke, kulula ukusebenza nayo, ngaphezu kwalokho, yona esitebeleni, onokwethenjelwa ibhange osekuyisikhathi eside lingesinye sezikhungo ezinkulu ezibolekisa ngemali ezweni.

Ukuvula i-akhawunti yamanje ne-Sberbank, thumela imibhalo elandelayo:

• Khipha ku-EGRIP isikhathi esingeqile enyangeni.
• Isitifiketi sombuso Ukubhalisa.
• Isitifiketi esivela ehhovisi lentela, isitifiketi esivela kubaphathi bezibalo.
• Iphasiphothi ye-SP nophawu (uma lukhona).

Kungalethwa imibhalo yoqobo noma yamakhophi abhaliwe.

Ibhange ligcwalisa isicelo kanye nesampula ikhadi lesiginesha, lisayina isivumelwano sokuvula nokugcina i-akhawunti (CSC), izivumelwano zokuxhuma izinsizakalo ezingeziwe: Ukubhanga nge-inthanethi, isexwayiso se-sms.

Ukuvula i-akhawunti nge-Sberbank usomabhizinisi (kuya ngesifunda) uzodinga ukukhokha cishe ama-ruble ayi-2 000, insizakalo ibiza cishe ama-ruble ayi-1,500. njalo ngenyanga (kuya ngenzuzo).

Umbuzo 8. Ukuqasha kosomabhizinisi ngabanye nama-LLC nge-akhawunti yamanje - kusemthethweni?

Akunakwenzeka ngokomthetho ukuqasha i-LLC noma usomabhizinisi ngamunye, ngoba inhlangano akuyona impahla, futhi akunakwenzeka ukuqasha umuntu (usomabhizinisi ngamunye).

Ngaphezu kwalokho, ngokuqashisa inkampani, umqashi uyakwazi ukuphatha wonke ama-akhawunti, kepha umnikazi wenkampani naye ugcina igunya lokulawula ukuhamba kwemali. Ngomninindlu ongathembekile, ungashiywa ngaphandle kwemali oyisebenzele.

Kunoma ikuphi, ububi bokuqasha i-LLC noma usomabhizinisi ngamunye (inhlangano) izinzuzo eziningi kakhulu.

Umbuzo 9. Ngabe ngidinga ukubhala umyalezo mayelana nokuvula i-akhawunti yamanje?

Kusuka ngoMeyi 2, 2014 iminyaka, kukhishwe imithetho eqeda isibopho sezinhlangano zebhizinisi ukwazisa ama-ejensi kahulumeni ngokuvula ama-akhawunti asebhange.

Isibopho sokwazisa / sokubika ukuvulwa kwe-akhawunti yamanje manje silele kuphela emabhange.

Ukuvula i-akhawunti akulethi bunzima obuthile futhi akubandakanyi ukusetshenziswa kwemali enkulu. I-akhawunti yamanje iyadingeka ekusebenzeni okujwayelekile kwanoma yimuphi umsebenzi wokukhiqiza noma wokuhweba. Ngaphandle kwayo, umsebenzi we-LLC awunakwenzeka futhi nomsebenzi kasomabhizinisi ngamunye awuhle.

Ekuphetheni, sincoma ukubukela ividiyo, echaza ukuthi ngaziphi izimo ukuvula i-akhawunti nokuthi yiliphi ibhange okufanele ulikhethe:

Siyethemba ukuthi le ndatshana iveze ngokugcwele isihloko se-akhawunti yamanje yamabhizinisi nosomabhizinisi futhi yaphendula imibuzo ecindezelayo.

Umbuzo wabafundi!

Kukuyiphi ibhange lapho uvule khona i-akhawunti yamanje futhi yimaphi amabhange ongathanda ukuvula nokugcina i-akhawunti manje?

P.S. Ithimba likamagazini webhizinisi i- "RichPro.ru" likufisela inhlanhla yokuqala nokuqhuba ibhizinisi usebenzisa i-akhawunti yamanje. Yabelana ngemibono yakho ngesihloko bese ubuza imibuzo kumazwana angezansi.

Bukela ividiyo: Umkhehlo Traditional Event (Juni 2024).