Minimum balance is a product for legal entities that provides an opportunity to receive additional income on the balance of funds in the current account.

Bank Uralsib has a special offer for existing homeowners' associations and other specialized consumer cooperatives. This is an opportunity to earn additional income on the balance of funds held in a special account for accumulating funds for capital repairs for homeowners' associations and other specialized consumer cooperatives through interest accrual on a minimum or fixed balance of funds, at a rate of 3.5% per annum.

For a group of related companies, it is possible to take into account the total balance in the accounts (provided that all Current account Services are maintained at one branch of the bank). In this case, interest is accrued on the aggregate minimum balance and paid to the accounts of the organizations from the client's group of companies in proportion to the average balances in their accounts over the placement period.

Detailed information on placing the company's funds in special accounts with Bank Uralsib can be obtained from your client manager or at any branch of the bank.

To open a current account for an individual entrepreneur with the bank, only the individual entrepreneur’s passport is required.

To open an account with the bank for an LLC, you need to provide:

• the company director’s passport;
• constitutional documents.

The bank will prepare the remaining documents required to open the account and provide them to you for review and signature.

To fund a current account, use one of the following methods:

• Transfer money from the bank account of an individual entrepreneur or LLC.
• Deposit cash through the bank's cash desk.
• Deposit money to a business card via an ATM or bank terminal → the “Self-collection” menu.

You can also fund a current account via the ATMs of our partners: VTB, Alfa-Bank, and Raiffeisenbank. 

A certificate of open current accounts may be obtained by the holder of a current account at a bank branch or electronically via Uralsib Online. The document contains information on open accounts, their opening dates, and currency. A fee is charged for the certificate in accordance with the tariff.

You can order a certificate confirming the existence of current accounts online via Uralsib Online or offline by visiting a bank branch.

To open a current account, it is enough to submit an application and provide documents for an individual entrepreneur or LLC — Uralsib will help arrange the rest.

What documents are required to open a current account?

<b>How account opening works</b>

1. You submit an application on the Uralsib website by specifying your contact phone number.If after that you complete the account reservation process and provide additional details — email address, Primary State Registration Number (OGRN), Taxpayer Identification Number (TIN), and business owner — the full account details will be sent by SMS and email within a couple of minutes. They can be used to sign contracts with counterparties.
   
2. A little later, the bank's personal manager will contact you. They will help you choose a tariff and agree on the contract details.
   
3. Within 14 calendar days, you provide the bank with the original documents required to open a current account.
   
4. You sign the documents for opening a current account and connecting to Online banking.

Within a few business days, the bank will notify the Federal Tax Service of the opening of a current account by a legal entity or individual entrepreneur.

The following types of accounts can be opened at the bank for legal entities:

• Current account – for the organization's settlement transactions. 
• Deposit account – for holding funds and earning income on the deposit. 
• Credit account – for receiving a loan from the bank. 
• Foreign currency account – for transactions in foreign currency.

The time for funds to be credited to a current account may vary from several minutes to 5 days.

The processing speed of the transaction depends on various factors: time of day, payment type, payment system, and type of transaction—internal bank or interbank. All of this affects the time it takes for funds to be credited.

As a rule, when using the Faster Payments System (SBP), the money is credited to the account within a few seconds, while the crediting time for a regular bank transfer can be up to 5 days.

A sole proprietor is not required to have an account with a bank. They may carry out all settlements under transactions using cash funds only, and pay taxes using a payment slip.

Why is a current account with a bank needed?

A sole proprietor's operations without an account may be limited by several factors:

• the amount of one contract settled in cash must be less than one hundred thousand rubles;
• most companies operate on a cashless basis; without a current account, a sole proprietor narrows the range of possible business partners;
  
• the bank may suspect the entrepreneur of laundering illegal income;
  
• funds for arranging a loan and leasing are provided by the bank on a cashless basis.

Advantages of a current account for a sole proprietor:

• New clients and suppliers – a current account makes it possible to conclude contracts with any counterparties, including government authorities and corporations;
• No limits on the contract amount;
  
• Access to subsidies, participation in public tenders and procurement;
  
• Ability to connect merchant acquiring and internet acquiring;
  
• Ability to connect a payroll project;
  
• Convenience and security – the ability to manage funds via the mobile app or personal account, without using cash or visiting a bank.

Does a sole proprietor need a current account if they cooperate with companies abroad?

For sole proprietors cooperating with foreign partners, having a bank account is a mandatory requirement.

A current account can be opened at any time, at any stage of a sole proprietor's business activity.

You can find out the balance of your current account in one of the following ways:

• The easiest way is to check it in the bank's mobile app. The widget displaying the balance is located on the main page. If the app is not installed on your smartphone, you need to log in to your Online banking account via a browser.
• If you cannot access the internet, you should contact the bank's support service via the hotline number or visit the nearest branch of the credit institution with your passport.  
  
• You can check balance changes and the remaining balance via SMS. If the SMS notification service is enabled, a message about the balance change will be sent automatically. You can activate the service at a bank branch.
• If a card is linked to the current account, you can check the remaining balance via an ATM.
  

A transfer of money from an individual entrepreneur to the accounts or card of individuals may be checked by regulatory authorities. The entrepreneur will have to prove the legality of such activity.

To transfer money from a current account to the card of an individual, you need to support the transfer with an employment agreement or a service agreement.

How to transfer money from an individual entrepreneur's account to an individual's card?

The transfer must be legally justified by the activities of the individual entrepreneur:

• payment of employees' official salaries;
• payments under a civil law contract;
  
• rent or payment for services;
  
• transfer for the entrepreneur's personal expenses.

When transferring from an individual entrepreneur's current account to the entrepreneur's own card, no proof of the legality of the transaction needs to be provided. An individual may use the money at their own discretion after paying taxes and contributions to insurance funds.

When transferring from a current account to the card of the owner of the individual entrepreneur account, Personal Income Tax (PIT) is not charged if the payment purpose states that it is intended for personal needs. The main thing is that the personal details of the sender and the cardholder match.

By law there is no limit on the number of current accounts for an individual entrepreneur or legal entity.

An individual entrepreneur or organization may have two or more current accounts with one bank or with several banks. For example, one bank may offer more convenient acquiring for an LLC, while another may offer cash handling. You can also open several current accounts with the same bank if the organization has two or more different types of business activities or works with branches.

The bank may close a current account for the following reasons:

• For 6 months, the client has not used it even once.
• The account balance is zero or negative (if an overdraft was connected), and no funds have been credited to it for 6 months.
  
•   There are suspicions that the current account is being used for money laundering. In this case, the bank will first suspend all activity on the account and ask the client to provide documents that can confirm the legitimacy of the incoming funds. If it is not possible to confirm legitimacy, the bank will initiate the closure of the current account.  
  
• The bank may also close a current account in the event of the liquidation of the client, a legal entity.

In all cases, except for the liquidation of a legal entity, the bank обязательно sends notification to clients of its decision. If there are funds remaining in the account, they must be transferred to another bank or received in cash.

There are several ways to find out whether money has been credited to the current account:

• Check the account balance via online banking or the bank's mobile app.
• Check information about the receipt of funds in the account statement received at a bank branch.
  
• Activate the SMS notification service at a bank branch.
  
• Call the bank's support service at 8 (800) 700-77-16 and уточнить о поступлении денег на счёт.
  

If you mistakenly sent money to a closed current account, it should be returned because it is impossible to complete the transfer using the specified bank details. In most cases, the bank returns the funds within 1–3 business days. If the timeframe is prolonged, contact the payer's bank and try to cancel the transaction.

In order to minimize risks and protect clients' interests, The bank checks transactions for compliance with the Federal Law No. 115-FZ dated August 7, 2001, "On Counteracting the Legalization (Laundering) of Criminally Obtained Income and the Financing of Terrorism" (hereinafter referred to as the "Law No. 115-FZ").

Law No. 115-FZ provides for:

• the possibility for a credit institution to refuse to conduct a transaction in cases where the transaction meets the criteria of a suspicious transaction and has no apparent economic purpose,
• the Client's right to apply to the credit institution that made the decision to refuse the transaction, by providing documents and/or information confirming the absence of grounds for making the refusal decision.
  

What to do if The bank has refused to conduct a transaction:

Submit to The bank an Application for elimination of the grounds for refusal (hereinafter referred to as the Application).

The Application must be accompanied by documents and/or information (the list is provided at the bottom of the page) confirming the absence of grounds for making the decision to refuse the transaction, as well as any other information relevant to The bank's review.

Procedure for submission to The bank

You may submit the Application in hard copy with supporting documents to The bank's servicing branch  or send a scanned copy of the Application (with scanned copies of the documents attached) via the remote banking service system (hereinafter referred to as the Uralsib Online System).

Review period and notification

Your Application will be reviewed within 7 (seven) business days from the date it is submitted to The bank.

You will be informed of the review results by means of a Notification sent through the Uralsib Online System, and if unavailable, by postal mail.

Requirements for the Application

The Application must be executed in hard copy, contain the signature of the Client's authorized representative, and a seal (if any).

Requirements for documents

Copies of documents must be certified by the Client's authorized representative: the documents must bear the notation "true copy", indicate the surname, first name, patronymic, and also include a handwritten signature, certification date, and seal impression (if any).

In accordance with the Comprehensive Banking Service Rules, The bank may leave the Application without substantive review if the following circumstances are identified:

• The Application is submitted to The bank not in the prescribed form;
•  the requirements for the execution of the Application and documents have not been met;
•  the text of the application is illegible or does not make it possible to determine the substance of the application; 
• documents (information) that may confirm the absence of grounds for making the decision to refuse the transaction have not been attached to the Application; 
• if inaccurate information about the Client is identified; 
• if the Application contains obscene and/or offensive language, threats to the life, health, or property of The bank's employees or other persons;
• if, as of the date of submission of the Application, there is a decision of The bank previously made in respect of the Client and concerning the same subject matter of the application.

Simply fill out an online application on the website. In a few minutes, we will call you back to уточнить пакет документов и назначить встречу. Immediately after account reservation, its bank details will be sent to your phone and email — this information can already be used to sign contracts with counterparties.

Opening a current account is free of charge on selected tariff plans; the service fee depends on the chosen tariff plan and the additional options connected to it. If there is no turnover on your account, you do not need to pay the service fee. 

The entire procedure takes just a couple of minutes, but to make payments through the current account, you will need to sign an agreement with the bank. Our representative will contact you immediately after receiving your application and arrange a meeting. The documents must be signed within 14 calendar days after submitting the application. The sooner you sign the documents, the sooner you will be able to use all the advantages of the current account.

For LLCs and sole proprietors:

• Original passport

The bank may request constituent and other documents in order to comply with the laws of the Russian Federation and the regulations of the Bank of Russia, including Federal Law No. 115-FZ.»

When you need to quickly open an account for your business, you should choose from banks that provide this service online. This will save you time and give you the account details that can be used immediately for signing contracts, while the execution and signing of the agreement can be completed at any convenient time.

At Bank Uralsib, you can quickly open a current account for any business. Submit an online application on the website; the entire process will take no more than 10 minutes.

Submit an application on the bank's website and receive the bank details of the reserved account. Our manager will call you and arrange a meeting to sign the agreement.  The bank details of your account can be used to sign agreements with counterparties. 

While you are preparing for the meeting, we prepare all the necessary documents. After signing the agreement, we will need some time to open the account. As soon as the account is opened, you will be able to use it immediately.

You can also choose a convenient Bank Uralsib branch that serves legal entities and personally provide the manager with the documents required to open the account.  A bank employee will prepare everything necessary. You will only need to sign.

The cost depends on the selected tariff. The bank offers service packages with free servicing for small business entities. Detailed terms are available on this page.

For this, you will обязательно need to provide the original passport of the head. The remaining set of documents depends on the client's organizational and legal status. The bank may request additional documents to comply with the requirements of the legislation of the Russian Federation.

If a client needs to open an account quickly, they should choose a bank with online application processing. This makes it possible to receive bank details immediately and use them to sign agreements.

At Uralsib, submitting an application takes only a few minutes. Immediately after approval, the client receives the bank details by SMS.

Submit an application on the bank's website. A manager will contact you and arrange a meeting to sign the agreement. You will also immediately receive the details of the reserved account.

They can be used immediately while the bank prepares the documents. After signing the agreement, you will be able to use the account in full.

Within a few minutes after you complete the application, a bank manager will contact you to arrange a meeting and sign all the necessary documents to open a current account for an individual entrepreneur. As soon as the received information has been verified, the individual entrepreneur may accept payments, transfer money, and pay for purchases from their current account. The bank will independently notify the tax authority about the opening of the account for the individual entrepreneur.

The cost of opening and monthly maintenance of an account depends on the selected tariff plan and the prepayment period for the service package. The longer the prepayment period for the service package, the lower the maintenance cost.

Yes, you can. For this purpose, a special service is available on our website for preparing and submitting documents to the tax authority. With its help, you can quickly register as an individual entrepreneur online. Simply complete the electronic application form and sign it with an electronic signature — our service will provide it free of charge. We will review all documents, send them to the tax authority, and immediately open a current account for your business operations.

To open a current account with Bank Uralsib, an entrepreneur only needs a passport. The remaining documents required to open the account will be prepared by the bank manager and provided to you for review and signature.

Within two minutes after completing the application on the website, you will receive an SMS message and an email with the full bank details of the account. The bank details received can already be used to sign contracts with counterparties. A bank manager will contact you to arrange a meeting and sign all the necessary documents to open a current account for an individual entrepreneur. As soon as the information received passes verification, the individual entrepreneur can accept payments, transfer money, and pay for purchases from their current account. The bank will independently notify the tax service about the opening of the account for the individual entrepreneur.

Certainly. For this purpose, a special service is available on our website. We will prepare the full package of documents for the tax authority for you free of charge. You will not have to stand in queues, fill out forms, or select OKVED codes to start a business. You will only need to complete the electronic application form for LLC registration and sign it with an electronic signature (we will issue it for you free of charge).

Yes, a dedicated service is available for this on the Uralsib website. You do not need to fill out forms, select OKVED codes, or visit the inspectorate. Simply complete the online application and sign it with an electronic signature, which the bank will issue free of charge.

Opening a current account under a Current Account Services service package will be free of charge. The maintenance fee depends on the selected tariff and the prepayment period. Detailed terms are provided on this page.

Opening usually takes from one to several business days. Bank details are sent by SMS after approval of the online application. They can be used to sign contracts. Incoming and outgoing payments are available after the account is fully opened.

To open an account, you will need the original passport of the head. If the right to manage the account is granted to another person, the following will be required:

• an order or power of attorney granting the right to sign and manage funds;
• the original passport of the authorized person.

The bank will also request the constituent documents to comply with the requirements of the legislation of Russia. The full list of documents is available at the link.

Our bank offers the fastest possible procedure for opening a business account.

If you want to open a current account in 1 day, without visiting the bank, all you need to do is: 

1. Submit an application on the website, specifying your phone number and email address for contact.
2. A couple of minutes after submitting the online application, you will receive the account details by email or in an SMS message.
   
3. Wait for a call from the bank manager; they will help you choose a tariff and schedule a meeting to sign the agreement.
   
4. Prepare the necessary documents to open the account. Our employee will come to a place convenient for you and bring the documents for signature.
   

The bank will notify the Federal Tax Service itself about the opening of a bank account for an individual entrepreneur or LLC.

Bank Uralsib offers several tariff plans for small and medium-sized businesses. They differ in servicing cost, fee amounts, and cash withdrawal limits. You can find the full list of tariffs & fees on this page.

To make current account services affordable, especially for representatives of small businesses, we have specifically developed several tariff plans for start-up entrepreneurs and for businesses with large turnover and a high number of transfers to partners.

Each tariff plan has specific features for transfers to individuals and legal entities, as well as different conditions for servicing a business card and cash deposit limits. You can choose any tariff, and if it is difficult to decide, leave a request and our manager will provide you with a free consultation by phone.

For LLCs and sole proprietors:

• Original passport

The bank may request constituent and other documents for the purpose of compliance with the legislation of the Russian Federation and regulations of the Bank of Russia, including Federal Law No. 115-FZ.»

We will open the account free of charge. Detailed terms and conditions for current account service tariffs can be found on this page. To choose the optimal tariff, you need to assess your business turnover. Please note that discounts on the annual account maintenance fee apply when you prepay for several months.

For LLC:

• Original passport 

For JSC:

• Original passport of the head of the organization

• Charter/founding agreement and amendments thereto

• Documents on the election/appointment of the head and extension of powers

• Extract from the shareholder register/other similar document certifying the rights of shareholders

If you grant another person authority to manage funds in the account: 

• Order/Power of Attorney granting signature authority and the right to dispose of funds

• Original passport of the account signatory

The bank may request constitutional and other documents to comply with the legislation of the Russian Federation and regulations of the Bank of Russia, including Federal Law No. 115-FZ. The full list of documents is available via the link.

1. Complete the online application. In a few minutes, you will receive a message with the account details on your mobile phone. You can provide them to your counterparties
2. In a few minutes, a bank employee will call you back. The manager will clarify the details and arrange a meeting with you to sign the current account service documents. You can also come and sign the documents at the bank yourself, if that is more convenient for you. We will open the account for you on the same day.
3. Sign the documents that will be delivered to you by an employee of our bank.

The entire process, from submitting an application to open an account to signing the agreement, takes place within one day, provided that you are able to meet with a bank employee to sign the agreement in the near future. 

Open a current account for business without visiting the bank or the tax office — we will submit all the necessary information to the Federal Tax Service ourselves within a few days after signing the agreement.

Current Account Services are provided when opening a current account. To do this, the company's CEO only needs to complete a few simple steps:

1. Submit an online application on this page.
2. Wait for a call from a bank employee.
   They will advise you on all matters of interest, explain which documents are required to arrange Current Account Services, and agree on the time and place for signing the current account service agreement.
   
3. Sign all documents at a meeting with the bank manager or at any convenient bank branch.
   

Immediately after submitting the online application, we will send your account details in an SMS message. You may share them with counterparties. You can pay taxes, deposit cash into the account, and make transfers only after signing the agreement with the bank.

Analyze how many transfers to other banks and individuals you make each month, what your business volumes are, and how often you withdraw and deposit cash into the account. Based on this data, you should choose a tariff plan. If your company's annual turnover exceeds several tens of millions per year, tariffs for medium-sized and large businesses will suit you.

You can change your tariff at any time by contacting bank employees.

To open a current account for an LLC, you will need:

• Original passport 

If you grant another person authority to manage funds in the account: 

• Order/Power of Attorney granting signature authority and authority to dispose of funds

• Original passport of the account signatory

The bank may request constitutional and other documents in order to comply with the legislation of the Russian Federation and regulations of the Bank of Russia, including Federal Law No. 115-FZ. You can ознакомиться with the full list of documents via the link

Certainly. For this purpose, a special service is available on our website. We will prepare the full set of documents for the tax authority for you free of charge. You will not have to stand in queues, fill out forms, or select OKVED codes to start a business. You will only need to complete the electronic application form for LLC registration and sign it with an electronic signature (we will issue it for you free of charge).

Each entrepreneur independently chooses which services within current account services are needed for their business operations. Opening a current account with Bank Uralsib is always free of charge, while additional options, for example, operating a payroll project, cash withdrawal, and cash transactions, are charged according to the selected tariff.

To open a current account with Current Account Services, prepare only your passport — we obtain everything else from the register and complete it ourselves.

All you need to do is submit an application to open an account on the website. You will immediately receive the details of the reserved account by SMS, which you can provide to partners and clients.

After that, we will contact you by phone to arrange a meeting to conclude an agreement for account servicing. Our manager will come to you at any convenient time and place with the necessary documents. You can also visit a bank branch yourself. After signing the agreement, the account is considered open: make transfers, pay taxes, and withdraw cash.

Registration on the website and receipt of bank details will take no more than 5 minutes. You will be able to meet with our manager on the day of application submission. The meeting will take no more than 30 minutes.

It depends on the scale of the business. A novice entrepreneur at the start needs fewer services, so tariffs with free annual cash settlement services are more suitable for them. 

When choosing a tariff plan, you should focus on several parameters:

• the number and amounts of payments per month to other banks;
• limits for free cash withdrawals each month;
  
• whether transfers to individuals will be needed and in what amounts.

If you cannot decide on the right service package, submit an application to open an account — our manager will contact you and help you choose the optimal terms based on the scale of your business.

1. Fill out a short form on this page and provide your contact phone number.
2. In a few minutes, we will send you the account details in an SMS message. Congratulations, your account has already been reserved!
3. Then a bank employee will contact you to arrange a meeting to sign the documents. 

Yes, any person may submit an application for Current Account Services. 

However, only the business owner or their representative acting under a notarized power of attorney may sign the application for opening an account. This may be the owner's relative, the company's executive director, a lawyer, an accounting representative, and so on.

For LLCs and sole proprietors:

• Original passport 

For JSCs:

• Original passport of the head of the organization

• Charter/foundation agreement and amendments thereto

• Documents on the election/appointment of the head and extension of powers

• Extract from the shareholders' register/other similar document certifying the rights of share owners

If you grant another person authority to dispose of funds in the account: 

• Order/Power of Attorney granting the right to sign and dispose of funds

• Original passport of the account signatory

The bank may request constituent and other documents in order to comply with the legislation of the Russian Federation and regulations of the Bank of Russia, including Federal Law No. 115-FZ.»

You choose where and when to meet with a bank employee to sign documents — at a bank branch, your office, or a coffee shop. The service is provided free of charge. Our manager will prepare and deliver all the necessary documents exactly at the scheduled time.

You can also come to a Bank Uralsib office yourself and hand over the documents for opening an account to the manager. In this case, you will be granted access to the current account with the bank on the same day. You will be able to transfer and receive money, connect acquiring, a payroll project, and other additional options.

Certainly, an individual entrepreneur or organization may have several current accounts — there are no such restrictions in the law.

A second additional account is often required for doing business. This is convenient in many cases, for example, when you want to use the advantages of different tariffs. You can submit an online application to open a second account — with your bank or any other bank. 

Yes, you can have several current accounts — with your bank or any other bank that offers more favorable terms. 

To open a current account, you need to submit an application — at a bank branch or on the website, which is very convenient and helps save time. You will receive the details of the reserved second account immediately, in an SMS message. 

If you chose a bank where you are already serviced to open a second current account, only your passport will be required — the bank already has all the necessary documents. If you applied to a new bank, you need to provide your passport and incorporation documents.

All Horticultural Non-profit Partnerships must have a current account with a bank — this is established by law. It is required for conducting all financial transactions for the needs of the horticultural non-profit partnership. For example, plot owners pay membership fees and electricity charges into it, and the chairperson uses it to pay for road clearing, water testing, and so on.

Yes, this obligation is established by Federal Law No. 217-FZ. It states that a Horticultural Non-profit Partnership, as a legal entity, must have a current account. It is used to receive payments and membership fees, and to settle accounts with suppliers and service providers.

Yes, you can withdraw money from the current account of an Horticultural Non-profit Partnership — through the bank's cash desk or at an ATM, using a business card. Please note that a fee may be charged for this service. As a rule, it is lower if you use the card.

Yes, certainly. You can open a current account for a Horticultural Non-profit Partnership remotely, without visiting a bank branch. It is very easy and simple. You only need to submit an online application indicating the partnership name and contact details. Our manager will call you back to arrange a meeting, at which they will bring the documents for signature. Opening a current account may take as little as one business day.

A non-profit organization has the right to open a current account for its activities. This simplifies financial transactions, preparation of reports, payment of taxes, bookkeeping, and storage of funds. 

If an NPO has employees on payroll, provides any services, and files non-zero reports, it will need to open a current account. 

A current account simplifies financial transactions, preparation of reports, tax payments, and fund accounting. If an organization pays salaries, provides services, or submits non-zero reports, a current account becomes necessary.

To open an account, you will need the passport of the head of the NPO, the organization's Taxpayer Identification Number (TIN), and Primary State Registration Number (OGRN). Please check the full list of documents with bank employees.

Opening a current account for non-profit organizations under the service package is free of charge. The maintenance cost depends on the tariff. When choosing it, it is important to consider turnover and the number of transactions. If necessary, a bank specialist will help you choose the optimal option.

A current account can be reserved online without visiting a branch. To do this, you need to submit an application with contact details and the name of the organization. A manager will contact you, arrange a meeting, and prepare the documents.

To open a current account for an LLC or sole proprietor, you will need:

• Original passport 

For a JSC:

• Original passport of the head of the organization

• Charter/founding agreement and amendments thereto

• Documents confirming the election/appointment of the head and extension of powers

• Extract from the shareholders' register/other similar document certifying the rights of share owners

If you authorize another person to manage funds in the account: 

• Order/Power of attorney granting signing authority and the right to dispose of funds

• Original passport of the account signatory

The bank may request constitutional and other documents in order to comply with the laws of the Russian Federation and regulations of the Bank of Russia, including Federal Law No. 115-FZ.»

Opening an account for sellers is a free service. The maintenance cost depends on which tariff you choose.

Bank Uralsib offers several tariffs. The choice depends on the scale of the business, turnover, and which services and offerings you plan to use. For example, whether you need a payroll project, whether you will transfer money, deposit and withdraw cash, etc. 

Subject to certain conditions, The bank provides free maintenance or a discount on it. Our manager will advise you on all tariffs.

Submit an online application on our website — its bank details will be sent to the specified phone number in just a couple of minutes. Then a manager will contact you to arrange a meeting. They will bring the necessary documents to complete the opening of a current account for working with a marketplace. 

Yes, we offer this option for opening a current account for marketplaces. Complete an application for account reservation on the website, and our manager will contact you. We will deliver the agreement at a time and place convenient for you. 

Any sole proprietor or company may enter into contracts with partners abroad. For cooperation, it is necessary to open a foreign currency account in the currency in which settlements under the contract are made. For example, if you work with India, then most likely you will need an account in rupees.

A foreign currency account is required to enter into agreements with foreign partners and make payments in the required currency. For example, to work with companies from India, an account in Indian rupees will be required.

To open a foreign currency account, you need to:

1. Submit an online application on the website or in the app;
2. Wait for a call from a bank specialist; 
3. Choose the currency for opening the accounts;
4. Provide the documents at a meeting with a bank representative or at a branch;
5. Sign the agreement and start working with foreign partners.
   

An individual entrepreneur will only need a passport. A legal entity with resident status will need a passport and the company's incorporation documents. The bank will prepare the remaining documents independently.

When opening an account, the bank's clients may choose the following currencies:

• Armenian dram (AMD);
• Belarusian ruble (BYN);
• Chinese yuan (CNY);
• Indian rupee (INR);
• Kyrgyz som (KGS);
• Kazakhstani tenge (KZT);
• Tajikistani somoni (TJS).

At Bank Uralsib, you can open an account for any type of business activity, for an individual entrepreneur or LLC. 

• A wide selection of tariffs. Focus on the needs of your business.
• Favorable and clear terms. Opening is free, and discounts apply to servicing. 
• Fast processing.
• cashback on purchases with a business card.
• Online support 24/7.

A passport of the CEO or a person acting under a power of attorney is required, as well as the constituent documents — the charter and the decision/minutes of the general meeting. Other documents may also be required; a bank specialist will provide you with the list. 

Bank Uralsib offers several tariffs for current account servicing. They differ in their terms; for example, the tariffs have different limits for free transfers to individuals and cash withdrawals. The cost depends on the selected service package. Discounts may apply when paying for a year. Please note that opening a current account is absolutely free. 

Within a few minutes after submitting your application, you will receive your account number. After that, you need to arrange a meeting with a bank representative to sign the documents. A current account can be opened within one day.

To reserve an account, you need to submit an application on the website. Provide your contact phone number and email address, full name, as well as the company name and Taxpayer Identification Number (TIN).

Within a few minutes, you will receive the account details in an SMS message. You can already use these details — share them with counterparties, add them to an agreement, and receive transfers. 

To access the funds, you need to enter into an agreement to open a current account. To do this, you need to meet with a bank representative and sign the documents.

At this stage, no documents are required. You only need to submit an online application. It is simple — for example, the company details are filled in automatically.

After you reserve an account, you need to arrange a meeting with the bank manager. They will bring the required set of documents for signing, after which the account can be used for transactions.

Current account reservation may be a useful service when:

●      You urgently need bank details to conclude an agreement.

●      You need to receive payment from a counterparty.

●      You are participating in public procurement, but the application submission deadline is approaching.

The account details can already be entered into documents — this information will not change. However, you will not be able to make payments or withdraw funds until you conclude an agreement to open a current account. To do this, you need to provide the documents and sign them at a meeting with a bank representative.

Bank Uralsib offers several tariff plans for current account servicing. They differ in terms and conditions; for example, the plans have different limits for free transfers to individuals and cash withdrawals. The cost depends on the selected service package. Discounts may apply when paying for a year. Please note that opening a current account is absolutely free. 

Yes, of course. This service is available for any type of business—small, medium, or large, for an individual entrepreneur or a legal entity.

1. Submit an online application on this page. In five minutes, you will receive the details of your ruble account. A current account in yuan can be opened after signing the bank account agreement.
2. We will call you back to arrange a meeting and sign the agreement for Current Account Services. You can invite a bank representative to your home or office, or visit a Bank Uralsib branch yourself.
3. Sign the documents and start working with clients and partners from China: transfer funds, buy and sell yuan, and consult with a personal foreign exchange control specialist.

The same documents are required as for opening a ruble account:

• A sole proprietor must provide a passport;
• the head of an LLC must provide a passport and incorporation documents.

If you already have a current account with Bank Uralsib, simply contact us – we will open a yuan account for you upon request.

The entire account opening procedure will take no more than an hour if you are our client. If not, you first need to open a RUB account.

The cost of opening a bank account in CNY depends on the selected tariff plan. The bank's employees will help you choose the optimal tariff plan based on your business needs. 

A current account in rubles can be opened remotely. 

• Click the “Open current account” button.
• Complete the online application.
  
• Confirm the application using the code from the SMS.
  
• Wait for a call from a manager.
  
• Sign the documents at a meeting with our employee.
  

A current account in rubles can be opened at a bank branch. To do this:

• Choose the nearest Bank Uralsib branch
• Prepare the required documents.
  
• Complete the application form to open a current account.
  
• Sign the agreement with the bank.
  

You can open a current account in rubles without visiting the bank — this is especially convenient if you do not have free time. Follow these instructions:

• Click the "Open a current account" button.
• Complete the online application.
  
• Confirm the application using the code from the SMS.
  
• Wait for a call from the bank manager.
  
• Sign the documents — the manager will bring them to a place convenient for you.
  

For LLCs and individual entrepreneurs:

• Original passport 

For JSCs:

• Original passport of the head of the organization

• Charter/founding agreement and amendments thereto

• Documents confirming the election/appointment of the head and extension of powers

• Extract from the shareholders' register/another similar document certifying the rights of share owners

If you authorize another person to manage the funds in the account: 

• Order/Power of attorney granting the right to sign and dispose of funds

• Original passport of the account signatory

The bank may request constituent and other documents in order to comply with the laws of the Russian Federation and regulations of the Bank of Russia, including Federal Law No. 115-FZ.

To choose the most suitable tariff for opening a current account, you need to consider the following factors:

• Transaction volume.
• Number of employees.
  
• Need for additional services.
  

Please review the tariff terms on our website.

If there is no physical bank office in your city, remote service is available to you. Open a current account in rubles online in a few minutes. 

Payments and transfers

You will be able to transfer funds to individuals and legal entities, accept payments, withdraw and deposit cash. Funds can be credited to the current account immediately after you reserve it.

Online accounting services

Manage accounting and tax records remotely.

Digital Payroll service

Salary transfers to cards or accounts with any banks and automatic calculation of Personal Income Tax (PIT). Free service under all tariffs.

You can submit an application on the Bank Uralsib website or in the mobile app — to do this, enter your details in the специальной форме. You will receive the account number by SMS within a few minutes. You can sign the agreement at a time convenient for you within two weeks from the date of receiving the account bank details. A manager will prepare the documents and deliver them to you.

If there is a physical Bank Uralsib office in your city, you can provide all documents in person. 

Everything depends on the individual terms and the scale of your organization.

To choose the optimal tariff plan, you need to understand what amounts you handle, how many payments you make each month, and which additional services you plan to use. If you find it difficult to decide on your own, our manager will help you make the right choice.

Bank Uralsib has been serving you for 30 years. Join us!

You can open a current account, review all tariffs in detail, and assess our advantages right now. Details at the link.

When connecting Current Account Services, the bank’s client may:

• make transfers to individuals and legal entities;
• accept cashless payments;
• deposit and withdraw cash;
• transfer salaries.

Additionally, other banking services can be connected to Current Account Services.

An LLC will need to provide:

• the original passport of the director;
• the charter or memorandum of association and amendments thereto;
• documents confirming the appointment of the director;
• an extract from the register or a similar document.

If the right to manage the account is transferred to another person, the following will be required:

• an order or power of attorney;
• the original passport of the authorized person.

The bank may request additional documents to comply with the requirements of the laws of the Russian Federation.

Submit an online application on the website or in the bank's app. Within a few minutes, a bank specialist will contact you. After your application is approved, you will receive the account details by SMS. To obtain full access to the services, you will need to sign an agreement with the bank. This must be done at a convenient time within 14 days.

The choice of tariff depends on financial turnover, the number of transactions, and the services required. If you find it difficult to decide on your own, a bank manager will suggest the best option.

Would you like to open a Current account for a Peasant Farm Enterprise without leaving home? With Uralsib, this is possible. 

On the bank's website:

• Click the "Open account" button.
• Fill out the application: provide your Full name, phone number, email, and the company's Taxpayer Identification Number (TIN). 
  
• Attach electronic copies of the documents.
  
• Confirm the application using the SMS code.
  

Benefits of remote account opening:

• No visit to a bank branch required.
• Fast processing: 1–3 business days.
  
• Account details within 5 minutes.
  

A current account is needed for a Peasant Farm Enterprise to manage finances more efficiently:

• Transfer money to suppliers:
  - Fast and convenient transfer of funds for goods and services.
  - Saves time on routine transactions.
• Receive payments from customers:
  - Acceptance of payments in various formats (cash, cards, online).
  - Increased transparency and control over cash flows.

A Peasant Farm Enterprise account with Uralsib Bank is a comprehensive solution for optimizing financial transactions, gaining access to beneficial products and programs, and expanding your farm's capabilities.

1. For a Peasant Farm Enterprise registered as a legal entity:

• Certificate of state registration of the Peasant Farm Enterprise.
• Certificate of tax registration with the tax authority.
  
• Charter of the Peasant Farm Enterprise.
  
• Minutes/decision on the appointment of the head of the Peasant Farm Enterprise.
  
• Passport of the head of the Peasant Farm Enterprise.
  
• Power of attorney (if the Peasant Farm Enterprise is represented by someone other than the head).
  

2. For a Peasant Farm Enterprise registered as an individual entrepreneur:

• Certificate of state registration of the individual entrepreneur.
• Certificate of tax registration with the tax authority.
  
• Passport of the individual entrepreneur.
  

3. Additional documents:

• Application form for opening an account.
• Signature specimen card and seal imprint (if available).
  
• Other documents required in accordance with the bank's requirements.
  

Please check the full list in advance with the bank manager. If necessary, obtain notarized copies of the documents.

Bank Uralsib offers various tariff packages for Current Account Services to Peasant Farm Enterprises, each with its own features and advantages.

You can review the detailed tariff terms on this page above. 

Depending on the selected tariff, Peasant Farm Enterprises can receive:

• Free servicing.
• Free payments.
  
• Reduced cash deposit fee.
  
• cashback
  

To avoid making a mistake when choosing a tariff, we recommend:

• Review the detailed Current Account Services tariffs for Peasant Farm Enterprises on the bank's website.
• Compare different tariff plans and choose the most suitable one.
  
• If necessary, contact a bank manager for advice.
  

Geography does not matter! No matter where you are located—in a metropolis, a small town, or on your farm—the bank Uralsib offers convenient remote service. Submit an application and open a current account for a Peasant Farm Enterprise online. Details at the link.

An account for Foreign Economic Activity is required by law, as all transactions with foreign partners are subject to special government control. 

Both individual entrepreneurs and legal entities may engage in foreign economic activity. To open a current account for an LLC or individual entrepreneur, you will need:

• Original passport 

For JSCs:

• Original passport of the head of the organization

• Charter/founding agreement and amendments thereto

• Documents confirming the election/appointment of the head and extension of authority

• Extract from the shareholders' register/other similar document certifying the rights of share owners

If you authorize another person to manage funds in the account: 

• Order/Power of attorney granting signing authority and the right to manage funds

• Original passport of the account signatory

The bank may request incorporation and other documents in order to comply with the laws of the Russian Federation and Bank of Russia regulations, including Federal Law No. 115-FZ.

Yes, a current account for Foreign Economic Activity can be opened remotely:

• Submit an online application on our website. 
• Within a few minutes, you will receive the account details by SMS.
  
• A bank manager will prepare and deliver the documents for signature to complete the process.
  

Technically, within one day. It all depends on when you can sign the agreement. You have 14 days from the moment the application is submitted to do this. The manager will prepare the documents and deliver them at a time convenient for you. If you are ready for the meeting, you will be able to use the account on the same day. 

Although the law does not require individual entrepreneurs to open a current account, in the case of an online store it is not possible to run a business without one, and for an LLC, having a current account is mandatory — this is a legal requirement.

The specific feature of online retail is that cash register servicing is carried out online. A current account is integrated with an online cash register, which makes it possible to accept payments from customers and also settle with suppliers. In addition, this makes bookkeeping and salary payments easier. Incidentally, Bank Uralsib offers an online cash register for rent. 

For LLCs and sole proprietors:

• Original passport 

If you grant another person authority to manage funds in the account: 

• Order/Power of Attorney granting signing authority and the right to dispose of funds

• Original passport of the account signatory

The bank may request constituent and other documents to ensure compliance with the laws of the Russian Federation and the regulations of the Bank of Russia, including Federal Law No. 115-FZ.»

You can submit an online application on our website. Enter your phone number, and you will immediately receive your account details by SMS.

Next, you will need to sign the documents. A bank employee will prepare them and deliver them at a time and place convenient for you. If there is a physical Uralsib office in your city, you can contact it and submit the documents to open the account in person.

Full banking services will be available after signing the required documents; this must be done within 14 days. A manager from our bank will bring the agreement to any location convenient for you. After signing, all services under the selected tariff will be available to you.

Open a current account for your online store right now. Details at the link.

The fastest way to open an account is to submit an online application on the bank's official website. Enter your phone number and wait for a call from our manager. They will answer all your questions and help you choose a tariff.

After speaking with them, you will immediately receive the account details, which you can use to sign agreements with counterparties. Full access to Current Account Services will be available immediately after signing the main documents. 

The next step after opening an account is funding it. This can be done in several ways: 

• transfer funds from the account of an individual entrepreneur or legal entity;
• deposit cash at one of the bank's branches, the addresses of which can be found on the bank's website;
  
• send money using a business card via the bank's ATM or terminal;
  
• use the ATMs of our partners: VTB, Alfa-Bank, and Raiffeisenbank. 
  

The easiest way is to log in to the mobile app or your personal account. The balance will be displayed immediately on the main screen. 

Additionally, you can subscribe to the SMS notification service. You will receive a message each time your balance changes. You can arrange the service at one of the bank's branches.

If you do not have Internet access and notifications are not enabled, call the bank's support service or visit one of the branches. Our staff will promptly help resolve your issue.  

Another method is available only to cardholders who have linked their account to their card in advance. They can request their balance at any of the ATMs. 

A bank account may be closed for several reasons:

1. No activity: the client has not made any transactions on the account for 6 months;
2. Negative balance and no top-ups: the client has a negative balance or a zero balance, and there have been no top-ups for the last 6 months;
   
3. Suspected money laundering: the bank suspects that the client is using the account for illegal transactions;
   
4. Liquidation: the sole proprietor or legal entity has been liquidated.
   

In all of the above cases, except for the last one, the bank обязательно notifies the client of its decision. If there is money left in the account, it must be transferred to another bank or received in cash.

A client may open multiple Current Account Services in one or different banks. Such decisions are not governed or regulated by the laws of the Russian Federation.

What are the advantages of opening multiple accounts: 

• diversification of financial transactions;
  
• protection of the account against risks;
  
• choice of the most favorable service terms;
  
• additional flexibility in financial management.
  

You can open multiple accounts in one bank if your business is developing in different areas or if you have several branches. 

Uralsib offers several tariffs with different terms, among which you will certainly find a suitable option. If you still cannot decide, use a consultation with our managers. They will answer all your questions completely free of charge.

For LLCs and sole proprietors:

• Original passport 

For JSCs:

• Original passport of the head of the organization

• Charter/founding agreement and amendments thereto

• Documents on the election/appointment of the head and extension of powers

• Extract from the shareholders' register/other similar document certifying the rights of share owners

If you authorize another person to manage funds in the account: 

• Order/power of attorney granting signature authority and the right to dispose of funds

• Original passport of the account signatory

The bank may request constituent and other documents in order to comply with the laws of the Russian Federation and the regulations of the Bank of Russia, including Federal Law No. 115-FZ.

You can deposit money in several ways:

• transfer from another bank account belonging to an individual entrepreneur or LLC;
• deposit cash through the teller at one of the bank's branches;
  
• top up via an ATM or terminal using a business card;
  
• deposit via partner ATMs: VTB, Alfa-Bank and Raiffeisenbank.
  

Funds transfer takes from a few minutes to 5 days. The processing speed depends on the time of day, payment type, payment system, and transaction type. 

When using the Faster Payments System (SBP), funds are credited almost immediately, while a regular bank transfer may take up to 5 days.

You can check your balance via:

• mobile app or personal account: the balance is displayed on the app home page and  in your personal account;
• phone: if you do not have internet access, call the bank's support service;
  
• SMS: if you have activated the SMS notification service, you will receive a message when your balance changes;
  
• ATM: if your card is linked to a current account, check your balance at an ATM.
  

The law does not limit individual entrepreneurs and legal entities in the number of connected Current Account Services. Open accounts with one or several banks: this allows you to manage your finances more flexibly and choose favorable terms for various aspects of your business. 

For example, you can easily open several current accounts with Uralsib. This is possible if the company operates in several business areas or has branches.

You can choose a tariff and ask questions right now. To do this, simply submit an online application on this page. A few minutes later, our manager will contact you for a consultation.

Our bank offers several tariffs. Each of them has its own features for outgoing payments and transfers for sole proprietors and legal entities, cash deposits, and business card service terms.

On this page, you can find all available tariffs. Choose the one that suits the specifics of your business. If it is difficult to decide, submit an application on the Uralsib website. Our manager will advise you by phone free of charge.

The procedure will take you a few minutes. A bank representative will contact you immediately after receiving your application. 

After that, you will have 14 calendar days to sign the documents. The sooner you do this, the sooner you will be able to use all the features of Current Account Services in Yekaterinburg.

You can top it up in several ways: 

• transfer funds from another bank account;
• deposit cash through the bank cashier; 
  
• use a business card at an ATM or terminal; 
  
• use partner ATMs, such as VTB, Alfa-Bank and Raiffeisenbank.
  

The certificate contains information on all settlement and cash service accounts, their opening dates, and the currency used. 

Only the account holder can obtain a certificate of account availability. To do this, you need to submit a request through the Uralsib Online system or contact a bank branch.

There are no restrictions on the number of accounts for an individual entrepreneur or legal entity. You can open two or more Current Account Services in one or several banks. For example, one may offer more convenient acquiring, while another may provide better cash handling.

Uralsib clients do not face such a choice, as we offer several tariffs with favorable terms. If you still have not chosen the right plan for your business, submit an application on this page.

To do this, follow three simple steps:

1. Submit an application. Complete the form on the bank's website or visit one of the branches.
   
2. Take a call from our employee. Our specialist will contact you within a few minutes after you submit the application. They will help you choose a tariff plan and answer your questions.
   
3. Use the account. You will receive the bank details immediately after the application is approved. To use all the account features, sign the remaining documents at the bank or any convenient location. You will have 14 calendar days for this.
   

There are several ways to top up the account: 

• transfer funds from the bank account of an individual entrepreneur or LLC;
• deposit cash at a branch;
  
• use business cards, deposit funds at the bank's ATM or terminal;
  
• find partner bank ATMs: VTB, Alfa-Bank and Raiffeisenbank. 
  

Choose any convenient way to check your balance:

• go to the bank's app or your personal account;
• enable SMS notifications;
  
• contact support;
  
• get an Account statement from an ATM if your card is linked to the account.
  

The speed of transaction processing depends on many factors: the time the funds are sent, the payment type, the payment system, as well as the type of transaction. 

The easiest way to transfer funds is through the Faster Payments System (SBP). In this case, the funds arrive in just a few minutes. A standard bank transfer may take up to 5 days. However, this happens only in rare cases. 

Russian legislation does not limit clients in the number of open Current Account Services. This means that you may have several accounts with one or different banks. 

This is especially convenient for organizations with several branches. You can also open several accounts if the entrepreneur conducts activities in several areas. 

This option is available at Uralsib. We will open an additional account in a couple of minutes; leave an online application on this page.

For LLCs and sole proprietors:

• Original passport 

For JSCs:

• Original passport of the head of the organization

• Charter/founding agreement and amendments thereto

• Documents confirming the election/appointment of the head and extension of powers

• Extract from the shareholder register/other similar document certifying the rights of share owners

If you authorize another person to manage funds in the account: 

• Order/Power of Attorney granting signature authority and authority to dispose of funds

• Original passport of the account signatory

The bank may request incorporation and other documents in order to comply with the laws of the Russian Federation and Bank of Russia regulations, including Federal Law No. 115-FZ.

The procedure takes just a couple of minutes. However, you can only get full account management capabilities after signing the documents.

We will prepare the required documents ourselves and deliver them to a place and time convenient for you. You have 14 calendar days after submitting the application to sign the documents. The sooner you complete the paperwork, the sooner you will get full access to the current account.

You can transfer money to Current Account Services in several ways:

• transfer from the account of an individual entrepreneur or LLC
• deposit cash through a cashier at one of the bank branches;
  
• use a business card to deposit funds via an ATM or terminal;
  
• use partner bank ATMs: VTB, Alfa-Bank and Raiffeisenbank.
  

It is easier and faster to top up the current account via the Faster Payments System (SBP). This usually takes just a few seconds. 

However, there are cases when crediting a regular bank transfer may take up to 5 days. For example, this may occur when crediting a regular bank transfer.

The processing speed of the transaction depends on several factors: the time of day, the type of payment, the payment system, and the type of transaction.

There are several ways to find out whether the money has been credited to the current account:

• check the balance via the mobile app or personal account;
• request an Account statement at one of the bank's branches;
  
• activate the SMS notification service;
  
• call the support service.
  

Our specialists are always available to assist you. They can also advise you on any вопрос regarding Current Account Services and help you choose a tariff. Submit a request now, and a manager will contact you within just a few minutes. 

For LLCs and sole proprietors:

• Original passport 

For JSCs:

• Original passport of the head of the organization

• Charter/founding agreement and amendments thereto

• Documents on the election/appointment of the head and extension of powers

• Extract from the shareholder register/other similar document certifying the rights of share owners

If you grant another person authority to manage funds in the account: 

• Order/Power of attorney granting signature authority and authority to dispose of funds

• Original passport of the account operator

The bank may request incorporation and other documents in order to comply with the legislation of the Russian Federation and Bank of Russia regulations, including Federal Law No. 115-FZ.

Open an account in just a couple of minutes: submit an online application, wait for a call from a manager, and receive your bank details by SMS.

After that, you will need to sign the documents. To do this, you can visit the nearest bank branch or arrange a meeting place with our employee. This must be done within 14 calendar days from the date of application. After signing all the documents, you will be able to use all the features of Current Account Services.

The laws of Russia do not impose restrictions on the number of current accounts. Therefore, a client may open several Current Account Services in one or different banks. In the first case, it is important to comply with the conditions: the entrepreneur must conduct business in different areas or have several branches of one company.

What opportunities does having several accounts provide: 

• separate them for different business areas and projects;
• track income and expenses for different legal entities or branches;
  
• manage accounts in different currencies;
  
• use special tariff plans for various needs.
  

Only the account holder can obtain such a certificate. To do so, you need to visit a bank branch or request the document electronically via the remote banking service system (Uralsib Online). The certificate will include information about open accounts, their opening dates, and the currency. 

Uralsib offers several tariff plans to make banking services convenient for small and medium-sized businesses. 

Each tariff plan has its own features: transfer terms for individuals and legal entities, business card servicing rules, and limits on cash deposits and withdrawals. 

You can choose any of the offered tariffs. If you find it difficult to decide, simply leave an online application on this page. Our employee will contact you within a few minutes for a free consultation.

The opening procedure takes just a few minutes. After you submit an online application, a bank manager will call you and provide консультацию. Immediately after that, you will receive the account details, which you can use to carry out some transactions. Full access to Current Account Services is provided after the agreement is signed.

You can fund your account in several ways: 

• deposit money through the bank's cashier; 
• transfer funds from another account; 
  
• use ATMs of partner banks; 
  
• deposit money from a business card.
  

Only the account holder can request the certificate through a bank branch or the remote service system (Uralsib Online). The document is provided in electronic or paper format. It will include information on all current accounts, their opening dates, and the currency. 

Yes, clients can open several current accounts. This is convenient for managing finances across various projects and lines of business.

The time it takes for funds to be credited depends on the time of day, the payment type, the payment system, and the type of transaction. The fastest way for money to reach the account is via the Faster Payments System (SBP). A standard bank transfer may take up to 5 days.

The account opening procedure is completed online, and the bank details will be provided within a few hours after submitting the application. The final signing of the agreement may be completed within 14 days after the account is opened.

You can top up your account in the following ways:

• transfer from another account;
• cash deposit through the bank's cash desk;
  
• top up via an ATM using a business card;
  
• use partner ATMs such as VTB, Alfa-Bank, and Raiffeisenbank.
  

The certificate can be requested remotely through Uralsib Online or in person at a bank branch. The document will contain information about all active accounts, their opening dates, and the currency. The certificate is available in paper and electronic format.

A client may open several current accounts for different projects and lines of business. This helps efficiently plan financial flows and accounting.

The fastest and easiest way to transfer funds is to use the Faster Payments System (SBP). The money will be credited within a few minutes. In some cases, the transfer period may take up to 5 days depending on the time of day, the payment type, and the payment system.

You can open a current account in three steps:

1. Submit an application: fill out the form on the bank's website or visit the nearest branch;
2. Consult a specialist: they will contact you within a few minutes after you submit the application or help you choose a tariff during your visit.
3. Use the account: you will receive the bank details immediately after the application is approved. Sign the remaining documents at the bank right away or schedule a meeting at a time and place convenient for you.

You can top up the account in several ways:

●      transfer funds from the account of an individual entrepreneur or LLC;

●      deposit cash at any of the bank's branches;

●      deposit funds via an ATM or terminal using a business card;

●      use partner bank ATMs: VTB, Alfa-Bank and Raiffeisenbank.

You can check the balance using:

●      the bank's app or personal account;

●      SMS, if you have SMS notifications enabled;

●      by calling support;

●      an Account statement via an ATM, if your card is linked to the account.

The speed of crediting funds depends on the time of sending, the payment type, the payment system, and the type of transaction. The simplest and fastest way to send money is to use the Faster Payments System (SBP). In this case, the funds are credited within a few minutes, while bank transfers may take up to 5 days.

Uralsib offers reliable and convenient tariffs for Current Account Services, taking into account all the needs of modern entrepreneurs. They are tailored to various types of companies, from startups to large corporations. We strive to ensure maximum convenience and support at every stage of interaction.

At our bank, you can open an account: both a primary and an additional one.  To do this, fill out the online application on this page and wait for a call from a specialist.

Legal entities can open:

• a current account for day-to-day transactions;
• a deposit account to earn additional income from placing surplus cash funds;
  
• a credit account to obtain borrowed funds;
  
• a foreign currency account for transactions in foreign currency.
  

For sole proprietors, it is sufficient to provide a passport, and for LLCs — the director's passport and incorporation documents. The bank will prepare the remaining documents independently.

The certificate is issued through the remote banking service system (Uralsib Online) or at a bank branch. The document will contain information about all active accounts, their opening dates, and the currencies used. A fee for issuing the certificate is charged in accordance with the applicable tariff.

You can fund your account in several ways: 

• transfer money from another account; 
• deposit cash via the bank's cash desk; 
  
• use a business card;
  
• use ATMs of partner banks: VTB, Alfa-Bank, Raiffeisenbank, and others.
  

You can reserve a current account by filling out the online form on this page. After that, a manager will contact you to confirm and clarify the details. After Current Account Services are set up, you will receive the account details to start using it.

Opening an account takes just a few minutes. A bank representative will contact you within a few minutes after receiving your application. After that, you will immediately receive your account details.

You will have 14 days to sign all documents, after which you will be able to use all the features of Current Account Services. You can complete the paperwork at the nearest bank branch or at any place convenient for you. 

There are several ways to top up your account:

●      transfer funds from another bank account;

●      deposit cash through the bank's cash desk;

●      use a business card at an ATM or terminal;

●      use partner ATMs, such as VTB, Alfa-Bank, and Raiffeisenbank.

Only the account holder can obtain the certificate. To do so, you need to submit a request through the Uralsib Online system or contact the nearest bank branch. 

The certificate will contain information about all current accounts, their opening dates, and the currency. The certificate is provided in paper and electronic form.

Individual entrepreneurs and legal entities may open several current accounts with one  or several banks. This is convenient if you want to use different services on favorable terms. For example, merchant acquiring may be more convenient in one bank, while payroll programs may be easier to manage in another.

Uralsib offers several tariff plans with different terms for payments and transfers for sole proprietors and legal entities. You can ознакомиться with the full list of tariffs for Current Account Services on this page. 

If you cannot decide on a tariff, submit an online application on this page and receive a consultation from a manager. They will help you choose the optimal tariff depending on the specifics of your business and your needs.

Several types of accounts are available to legal entities:

• current account, for carrying out financial transactions;
• deposit account, for generating additional income from placing available funds;
  
• credit account, for obtaining borrowed funds and using them;
  
• foreign currency account, for conducting transactions in foreign currency.
  

A sole proprietor will need a passport; a legal entity will need incorporation documents and the passport of the company's head. The remaining documents will be prepared by bank employees independently.

The certificate can be ordered remotely via Uralsib Online or obtained in person at a bank branch. The document will specify all available accounts, their opening dates, and the currency used.

A fee for issuing the certificate is charged in accordance with the established tariff. 

You can deposit funds into a current account in several ways:

• transfer them from another account;
• deposit cash through the bank cashier;
  
• use a business card and an ATM;
  
• use ATMs of partner banks: VTB, Alfa-Bank, Raiffeisenbank, and others.
  

Account Reservation is available if you complete the online form on the bank’s official website. After you submit your application, a specialist will contact you: they will answer your questions and assist you with opening an account. 

After that, you will receive the bank details, which you can use immediately to conclude contracts and carry out transactions.

This can be done in several ways: 

●      transfer funds from your sole proprietor or LLC account via online banking, the mobile app, or at the bank;

●      deposit cash at any branch of our bank — do not forget to bring your passport;

●      use a business card to deposit cash via an ATM or terminal of our bank;

●      top up the account at the ATMs of our partners: VTB, Alfa-Bank, and Raiffeisenbank.

This can be done  using:

1. online banking and mobile app: check your account anytime and anywhere;
2. account statement: receive detailed information on all transactions, including credits;
3. SMS notifications: enable the service and receive notifications about funds credited to your account;
4. bank support service: contact the call center to find out about the latest credits.

The speed of funds crediting depends on a number of factors: time of day, payment type, payment system, and transaction type. In most cases, funds are credited to the account fastest via the Faster Payments System (SBP). A standard bank transfer may take up to 5 days.

Individual entrepreneurs and legal entities may have an unlimited number of current accounts. This is convenient if an organization wants favorable terms for different Current Account Services or has several branches.

At Uralsib, you can also open several accounts at once. Our manager will help you choose a tariff and open a current account. Submit an online application to receive a call from them right now.

You can transfer money to a current account with the bank in several ways:

1. transfer funds from the bank account of an individual entrepreneur or LLC.
2. deposit cash through the cashier's desk at one of the bank's branches;
3. use a business card and deposit money via the bank's ATM or terminal;
4. use partner ATMs: VTB, Alfa-Bank and Raiffeisenbank.

You can find out whether money has been credited to the current account via:

1. online banking or the bank's mobile app;
2. an account statement obtained at a bank branch.
3. a message, if you have activated the SMS notification service;
4. the bank's support service.

The speed of crediting funds may vary significantly—from several minutes to 5 days. It all depends on various factors: the time of day, the type of payment, the payment system, and the type of transaction. 

A transfer via the Faster Payments System (SBP) usually allows the recipient to receive the money within a few seconds, while standard bank transfers may take up to 5 days.

In Russia, there are no restrictions on the number of current accounts for an individual entrepreneur or an organization. Therefore, individual entrepreneurs and organizations may have several current accounts in the same or different banks. 

Companies may need several current accounts for a number of reasons related to the organization of financial activities and the optimization of business processes. Here are the main ones:

●      different lines of business require separate accounts;

●      in large companies, each branch or division may have its own account;

●      the company conducts business with partners from different countries;

●      having several accounts in different banks makes it possible to choose the most favorable terms for each transaction.

At Uralsib, you can also open several accounts at once. To do this, choose a suitable tariff and submit an application on our website. Our manager will contact you within a few minutes: they will answer all your questions and help you complete the application.

Yes, the law allows individual entrepreneurs and legal entities to have multiple current accounts. You can open accounts for different transactions. For example, one for acquiring and another for cash transactions. 

Several accounts can be opened with one bank if your organization conducts different types of business activities or manages branches.

Anyone can submit an application to open an account. However, only the business owner or their representative with a notarized power of attorney may sign the application.

You can choose any convenient place to meet with a bank manager, for example an office or a café near your home. The bank will prepare the documents for you, and the service will be free of charge.

If you prefer to visit a bank branch in person, the current account will be activated on the same day. This will allow you to start working immediately and connect the necessary additional services.

You can check the balance in several ways:

• via the mobile app: account information is displayed on the home page.
• in Online banking: if you do not have the app, you can check the balance via the web version.
  
• by calling the support service: bank employees will help you find out the current balance.
  
• via an ATM: if your card is linked to the current account, you can check the balance at any ATM.
  
• by SMS: activate the SMS notification service and receive messages about changes to your account balance.
  

Uralsib offers various tariff plans suitable for small businesses and large companies with high turnover. Each tariff has its own terms for transfers, card servicing, and cash deposits.

You can choose a tariff yourself or submit a request on the website to receive a consultation. A bank specialist will help select the optimal solution for your business.

Uralsib offers several tariff plans with different terms for payments and transfers for sole proprietors and legal entities. Review the full list of tariffs & fees on the website or submit a request to receive a consultation from a manager. A specialist will help you choose the optimal tariff depending on the specifics of your business and your needs.

The procedure takes just a few minutes. Submit an application to open an account and wait for a call from a bank representative. 

Within 14 days, you will need to sign the main documents to use all Current Account Services. To do this, you need to go to the nearest branch and schedule a meeting with a bank representative.

There are several ways to top up your account:

●      transfer funds from another bank account;

●      deposit cash through the bank cashier;

●      use a business card at an ATM or terminal;

●      use partner ATMs such as VTB, Alfa-Bank, and Raiffeisenbank.

Only the account holder can obtain the certificate. To do this, you need to submit a request through the Uralsib Online system or visit a bank branch. The certificate will contain information about all Current Account Services, their opening dates, and the currency. 

You can open several current accounts, and this can be done with different banks. Russian legislation does not limit individual entrepreneurs and legal entities in the number of accounts.

If you have not yet chosen a suitable tariff for your business, submit an application on the website. Our manager will contact you for a consultation. They will help you make the best decision for managing your finances.

Opening an account takes just a few minutes. A specialist will contact you shortly after receiving your application. After a brief consultation and selecting a tariff, you will immediately receive your account details.

Within 14 days, you will need to sign all the necessary documents to gain access to all account features. This can be done at the nearest bank branch or any other place convenient for you.

You can top up your account in several ways:

• transfer money from another bank account;
• deposit money through the bank cashier;
  
• transfer money via an ATM or terminal using a business card;
  
• use partner ATMs: VTB, Alfa-Bank and Raiffeisenbank.
  

Only the account holder can obtain the certificate. To do this, submit a request through Uralsib Online or contact any of the bank’s branches. The certificate will contain information on all current accounts, their opening dates, and the currency. The document can be obtained in paper or electronic format.

A bank client may open an unlimited number of current accounts. This allows for more flexible management of financial flows: separating funds for different purposes, projects, or divisions. In addition, this helps optimize financial planning and accounting. 

To choose the right tariff, assess the size of your business and the volume of transactions. Small companies will benefit from tariffs with a small number of payment orders in the package, while large companies will benefit from those designed for high turnover. Additionally, consider which services your business will need, for example, foreign currency transactions or acquiring. Plan in advance for your business growth prospects and the possibility of changing the tariff. 

At Uralsib, you can find various tariffs and open a current account for sole proprietors and legal entities. You can ознакомиться with them on this page. If you are unable to decide, submit an online application. Wait for a call from a bank specialist. They will ask questions and help you choose the right tariff depending on the specifics of your business and your needs.

The procedure takes just a few minutes. After you submit an online application, our representative will promptly contact you to уточнить details and help you open an account. Immediately after that, you will receive the bank details by SMS and will be able to carry out some transactions.

Within 14 calendar days from the date of application, you need to sign the remaining documents. The sooner you do this, the sooner you will be able to take advantage of all the benefits of a current account.

The client does not need to do anything for this. An individual entrepreneur will only need to provide a passport, and an LLC — the manager’s passport and the company’s constituent documents. The bank will prepare and provide all other documents independently.

The account holder can obtain the certificate in two ways: contact the bank or submit a request through the Uralsib Online system. In the document, the bank will specify details of all current accounts, their opening dates, and the currency used. The certificate can be obtained in paper or electronic format.

Yes, individual entrepreneurs or legal entities may open several current accounts, as this does not conflict with the laws of the Russian Federation.

In some cases, entrepreneurs do in fact need an additional account. This can be a convenient option if you want to use the advantages of several tariffs. 

Uralsib offers several tariff plans that take into account the needs of both начинающих entrepreneurs and businesses with high turnover and a large number of transfers.

Each tariff has its own features, including terms for transfers to individuals and legal entities, business card servicing, and cash deposit limits. Choose a suitable tariff on this page yourself, and if you have any questions, submit an online application for a free consultation with our manager. 

Opening Current Account Services online will allow you to save time, immediately receive bank details for signing contracts, and complete the remaining documents at a convenient time.

At Uralsib, you can quickly open a current account for your business. Leave an online application on our website — the entire process will take no more than 10 minutes.

The law does not limit the number of current accounts that an individual entrepreneur or legal entity may have.

An entrepreneur or company may open several accounts, both with one bank and with different banks. This is convenient if, for example, it is more advantageous to connect acquiring with one bank, while another makes it easier to work with cash. Also, within one bank, you can open several accounts for different business areas or branches.

Opening an account takes just a few minutes. First, fill out a short online application. Immediately after you submit it, an employee will contact you and arrange a convenient time to sign the agreement with the bank. This is required to obtain full access to transactions. The documents must be completed within 14 calendar days. The sooner you sign the agreement, the sooner you will be able to start using all the features of the current account.

You can find out how much money is in your current account in several ways:

• go to the mobile app: balance information will be displayed on the home page;
• open your personal account: go to Online banking via your browser; 
• call the hotline: the operator will tell you the account balance;
• visit a bank branch: do not forget to bring your passport with you. 
• enable SMS notifications: balance information will be sent automatically.

Yes, an application for current account services may be submitted by anyone. However, only the entrepreneur themself or an authorized person with a notarized power of attorney may sign the application for opening an account. This may be a relative, CEO, lawyer, or accounting employee.

Funds may be credited to a current account within seconds or within several business days. It all depends on the transfer method and conditions. The crediting speed is affected by the type of transaction (intrabank or interbank), the payment system used, and the time and day the funds are sent.

A transfer made through the Faster Payments System (SBP) is credited almost instantly. For standard bank transfers, the processing time may be up to 5 business days.

To open a current account, an individual entrepreneur only needs to present a passport.

If the account is opened for a limited liability company (LLC), the following will be required:

• the passport of the CEO or another authorized person;
• the company's incorporation documents.

The bank will prepare the remaining documents independently. You will only need to review everything and sign the documents.

Legislation does not establish restrictions on the number of current accounts that a legal entity or individual entrepreneur may open. They are entitled to open several current accounts.

This approach may be convenient for using the advantages of different tariffs. Also, within one bank, several accounts can be opened if the company is engaged in different types of activities or conducts settlements through branches.

There are several ways to credit funds to a current account:

• send a transfer from the bank account of an individual entrepreneur or legal entity; 
• deposit cash through the cashier at any bank branch; 
• top up the account via an ATM or terminal (using the “Self-collection” option); 
• use partner bank ATMs (VTB, Alfa-Bank and Raiffeisenbank).

The time for funds to be credited to a current account is only a few minutes. When transferred via the Faster Payments System (SBP), funds are received almost instantly. At the same time, a standard transfer may in rare cases take up to five days.

The processing speed of the transaction is affected by several factors: the time the transfer is sent, the type of instruction, and the payment system used. In addition, the transfer speed depends on whether it is made within the same bank or between different banks.

The bank has the right to initiate the closure of a current account in the following cases:

• the account has not been used for six months;
• there are no funds in the account or a negative balance has been recorded (if an overdraft is connected), and no funds have been credited to it for six months; 
• liquidation of the legal entity that is considered the account holder.

The bank may also block the account if it suspects that the account is being used for money laundering. In such situations, the bank first blocks transactions and requests documents confirming the lawful origin of the funds. If the client does not provide the required documents, the account is closed.

Important: except in the case of liquidation, the bank notifies the client in advance about the account closure. If there is money left in it, it can be transferred to another bank or received in cash.

To open an account, an individual entrepreneur will only need a passport. A representative of an LLC must provide the company director's passport and the incorporation documents.

The bank will prepare all other documents required to open the account independently and provide them for review and signature.

At Uralsib, you can choose one of several Current Account Services tariffs & fees. Each has its own terms for transfers, cash withdrawals, and other transactions. The servicing cost depends on the selected service package. If you pay for the account for a full year in advance, you may receive a discount. Opening Current Account Services remains free of charge.

You can check your account balance in several ways:

• go to the mobile app or your personal account, the balance will be displayed on the main page; 
• call the bank's hotline or visit a bank branch with your passport; 
• activate the SMS notification service so that you receive messages about balance changes.

The holder of a current account may obtain a certificate of active accounts during a personal visit to the bank or through the remote banking system (Uralsib Online).

The document will specify information on current accounts, their opening dates, and the currency used. The service is provided on a paid basis in accordance with the bank's tariffs and fees.

Opening an account is quick and takes just a few minutes. However, to carry out transactions, you need to sign an agreement with the bank.

After you submit your application, a representative will contact you and arrange a convenient time for a meeting. The documents must be signed within 14 calendar days from the date of application. Please try to complete the agreement as soon as possible to gain access to all the features of the current account.

For individual entrepreneurs, it is sufficient to present a passport. If the account is opened by a legal entity (LLC), the passport of the head and the company's constituent documents will be required.

If the account will be managed by someone other than the company owner, the following must also be provided:

• a notarized power of attorney or order confirming signatory authority;
• the representative's passport.
  

All other documents required to open the account will be prepared by the bank independently. You will only need to review and sign them.

Yes, any person can submit an application to open an account. It is not necessary to be the business owner to do this.

At the same time, only the entrepreneur themselves or their official representative has the right to sign documents and open the account. In the latter case, they will need to provide a notarized power of attorney. The representative may be a relative, director, lawyer, or accounting employee.

Yes, the law does not impose any restrictions on the number of current accounts for individual entrepreneurs and legal entities.

Opening an additional account may be advisable if you need to separate financial flows by type of activity, take advantage of different tariff conditions, or keep records for individual projects. An application to open a second account can also be submitted online on this page.

The certificate is provided upon request of the current account holder. It can be issued:

• at a bank branch;
• through the remote banking service system (Uralsib Online) in electronic form.
  

The document contains information about the numbers of available accounts, their opening dates, and the currency. A fee is charged for issuing the certificate in accordance with the bank’s current tariffs & fees.

The bank has the right to initiate account closure if:

• for six months, the client has not made a single transaction on it;
• the account has a zero or negative balance (if there is an overdraft), and no funds have been credited to it for six months;
  
• the legal entity ceases its operations and liquidates the company.
  

The bank may also close the account if it suspects unlawful use of the account. For example, its owner may be suspected of money laundering. In this case, access to transactions is first blocked, and the client is asked to provide documents confirming the lawful origin of the funds in the account. If they are unable to explain the source of the money, the bank closes the account.

In all cases except liquidation, the client receives notification of the account closure. If funds remain in the account, they can be transferred to another bank or withdrawn in cash.

An individual entrepreneur only needs to present a passport. Legal entities must provide the passport of the head and the company's constituent documents.

If access to account management is granted to another person, the following will also be required:

• an order or a notarized power of attorney granting the right to sign and dispose of funds;
• the representative's passport.
  

All other documents are prepared by the bank independently and provided to you for signature after verification.

Opening a free account takes just a few minutes. First, submit an online application. Immediately after that, a bank representative will contact you to answer your questions and arrange the signing of documents.

The agreement must be executed within 14 calendar days from the date of application. As soon as you sign the documents, you will be able to use the account in full and make payments. The sooner you complete the paperwork, the sooner the account will become fully operational.

The law does not limit the number of current accounts for sole proprietors and legal entities. 

For example, a company may use one account to make transfers on more favorable terms, and another for cash transactions. It is also permitted to have several accounts within one bank. This may be convenient if the business has several areas of activity or branches that require separate financial accounting.

You can find out about incoming funds in various ways. Choose the one that is most convenient for you:

• log in to online banking or the mobile app; the balance will be displayed on the main screen;
• request an Account statement for the account; you can obtain it at any bank branch;
  
• activate SMS notifications; then you will receive messages about any movement of funds.
  

If you do not have access to online services, call the support service at 8 (800) 700-77-16. 

Opening a current account with Uralsib is free of charge under a number of tariff plans. The cost of further servicing depends on the selected package and connected options.

If there are no transactions on the account, no service fee is charged. Therefore, with zero turnover, Current Account Services can be used without additional expenses.

Yes, an application for current account and cash management services may be submitted by any person. However, the application for account opening must be signed by the entrepreneur personally or by an authorized person with a notarized power of attorney. This may be a relative, chief executive officer, or lawyer.

Opening a current account will take just a few minutes. To do this, simply complete the application and wait for a call from the bank. To start carrying out transactions, you need to sign an agreement. For this purpose, an employee will promptly contact you and offer a convenient time for a meeting. The documents must be signed within 14 calendar days. The sooner this happens, the faster you will be able to use all the account features.

This can be done in several convenient ways:

• transfer funds from another sole proprietor or LLC account;
• deposit cash through the bank cashier;
• use an ATM or terminal with a self-collection function;
• top up the account through ATMs of partner banks (VTB, Alfa-Bank, or Raiffeisenbank).

The time it takes for money to be credited to a current account depends on many factors. The transfer speed is affected by its type (intrabank or interbank), the payment system, and the time and date of the transaction.

When using the Faster Payments System (SBP), funds usually arrive almost instantly. Standard bank transfers may take longer.

You can find out whether money has been credited to the current account in several ways:

• check the balance via the mobile app or online banking; 
• request an account statement at a bank branch;
• enable SMS notifications that will be sent each time the balance changes;
• call the hotline and уточнить information from the operator.

Opening a current account with Uralsib takes a few minutes. Immediately after submitting an online application, you will receive its bank details by phone and email. They can be used immediately to conclude agreements with partners.

To start making payments through the account, it is necessary to sign an agreement with the bank. After submitting the application, a Uralsib representative will contact you and arrange a convenient time for a meeting. The documents must be signed within 14 calendar days.

The sooner you complete the signing, the faster you will gain access to all the features of the current account.

Only the account holder may request a certificate of open current accounts. The document contains information on active accounts, their opening dates, and the currency.

You can obtain the certificate in two ways:

• Online — via the remote banking service system (Uralsib Online).
• At a bank branch — upon personal application.
  

Issuance of the certificate is subject to a fee; the cost depends on the bank's tariffs.

Yes, the law does not limit the number of current accounts for individual entrepreneurs and organizations. You can open an additional account with your bank or with another credit institution.

A second account is often used to separate financial flows, work with branches, or choose more favorable tariffs & fees. You can apply to open a new account online; the process is similar to opening the first one.

You can top up a current account in several ways:

• By transfer — from another bank account of an individual entrepreneur (sole proprietor) or LLC (limited liability company).
• In cash — through the bank's cash desk.
  
• Through an ATM — using a business card in the Self-collection menu.
  
• Through partner bank ATMs — VTB, Alfa-Bank, Raiffeisenbank.
  

The bank is entitled to initiate the closure of a client's current account in the following situations:

• Account inactivity. If there have been no transactions on the account for 6 months.
• No funds. If no money has been credited to the account for 6 months and the account balance has been zero or negative.
  
• Liquidation of a legal entity. Upon the official liquidation of a company, the account is closed automatically.
  

The account may also be closed automatically if the bank identifies signs of money laundering or involvement in suspicious transactions. In this case, transactions on the account will first be temporarily blocked. To unfreeze the account, the client will need to provide documents confirming the legality of the incoming funds. If legality cannot be confirmed, the bank decides to close the account.

In all cases except liquidation, the bank is required to notify the client of its decision. If there is a remaining balance in the account, the funds must be transferred to another bank or received in cash.

An individual entrepreneur only needs to present a passport. Limited liability companies will need the passport of the head of the company and the incorporation documents. The bank will prepare the remaining papers required to open the account independently and provide them to you for review and signature.

If the right to manage funds in the account is transferred to another person, an order or power of attorney granting signing authority and the original passport of the representative are additionally required.

The bank has the right to request other documents within the framework of the requirements of the legislation of the Russian Federation and regulations of the Bank of Russia,  including Federal Law No. 115-FZ.

Yes, an application for current account services may be submitted by any person. However, only the business owner or their representative with a notarized power of attorney may sign the account opening application. The representative may be any person, for example, a relative, executive director, lawyer, or the company's accountant.

The law does not limit the number of current accounts that an individual entrepreneur or legal entity may open.

Companies and individual entrepreneurs are entitled to open several accounts:

• with one bank — if it is necessary to separate funds by type of activity or keep records by branch;
• with different banks — to use the advantages of a particular financial institution.
  

Thus, an entrepreneur may open as many current accounts as needed for convenient business operations and financial accounting.

Uralsib offers several tariffs & fees for different types of business. The client can choose a suitable tariff plan depending on the specifics of their operations.

Main tariff parameters:

• Servicingcost. A fixed monthly fee is charged.
• Transaction fees. The amount depends on the number and type of payments.
  
• Cash withdrawal limits. Different tariffs provide for different restrictions and terms.
  

A detailed description of the tariffs is available on the bank’s official page. There you can compare the terms and choose the best option for your company.

A client can find out the balance and movement of funds in a current account in several ways:

• In the mobile app or online banking. The balance is displayed on the main page. If the app is not available, you can use your personal account via a browser.
  
• Via SMS notifications. If the service is enabled, information about balance changes is received automatically. You can enable SMS notifications at a bank branch.
  
• By calling the hotline. A customer support representative will provide the information after identifying the client.
  
• At a bank branch. To receive the information, you will need to provide your passport.
  

An individual entrepreneur only needs to present a passport. Legal entities will need the director’s passport and incorporation documents.

If account management is delegated to another person, the following must be provided:

• an order or a notarized power of attorney granting the right to sign and dispose of funds;
• the passport of the authorized representative.
  

The bank independently prepares the remaining documents and provides them for signature after approval. In addition, the bank may request additional documents in accordance with the requirements of the legislation of the Russian Federation and regulations of the Bank of Russia.

The legislation does not establish any limits on the number of current accounts for individual entrepreneurs and legal entities.

Entrepreneurs are entitled to open several accounts. This may be convenient if they want to take advantage of different tariffs & fees. Opening several accounts will also be beneficial if the business operates in different areas or has several divisions.

The time it takes for funds to be received depends on a number of factors:

• the type of transfer (intrabank or interbank);
• the time the payment is sent;
  
• the payment system used;
  
• the transaction format.
  

The easiest and fastest way to transfer funds is through the Faster Payments System (SBP). In this case, the money is received almost instantly. With standard bank transfers, crediting may in exceptional cases take up to 5 business days.

You can check the crediting of funds to the account in several ways:

• go to online banking or the mobile app;
• request a bank account statement at any bank branch;
  
• activate the SMS notification service;
  
• contact the support service by phone at 8 (800) 700-77-16.
  

Choose any convenient method and уточните information about the receipt of funds.

If funds are transferred to a closed current account, the transaction will not be completed and the funds will be returned to the sender. As a rule, the return takes from 1 to 3 business days.

If the funds have not been returned within the specified period, it is recommended to contact the bank from which the payment was made. Submit a request to cancel the transaction or clarify its status.

An individual entrepreneur will only need a passport. If a legal entity opens the current account, the following will be required:

• the passport of the director or another company representative;
• a set of constituent documents.

All other documents for opening the account will be prepared by the bank independently and provided for review and signature.

The law does not limit the number of current accounts that an individual entrepreneur or legal entity may open.

Uralsib clients can open several accounts. This allows them to use the advantages of several tariff plans at the same time. This is also beneficial if a company has several business areas or works with branches.

The holder of a current account can obtain a certificate of active accounts in two ways: by applying in person at a bank branch or electronically through the remote banking service system (Uralsib Online).

The document contains information on active current accounts, their opening dates, and the currency used. The certificate is issued on a paid basis, and the cost of the service is determined in accordance with the bank's tariffs & fees.

The account opening process itself takes just a few minutes. However, to complete all procedures, you will need to enter into an agreement with the bank.

To do this, after submitting your application, our representative will contact you. They will agree on the time and place of the meeting. The documents must be signed within 14 calendar days from the date of application. The sooner the agreement is executed, the faster you will gain access to all the features of the current account.

You choose a convenient place to meet with a bank representative yourself. It may be your home, office, or even a coffee shop. The service is free of charge. The manager will prepare all the documents and bring them at the agreed time.

If you wish, you may come to a Bank Uralsib office yourself and hand over the documents to the manager. In this case, access to the current account will be opened on the same day. Immediately after activation, you will be able to make payments, receive funds, connect acquiring, payroll project, and other services.

The law does not limit the number of current accounts for legal entities and individual entrepreneurs.

An organization or individual entrepreneur may open several accounts. This is convenient if the client wants to obtain favorable terms under different tariffs. Opening several accounts is also convenient if the company operates in several different business areas or organizes its work through separate branches.

Setup takes just a couple of minutes. Simply fill out an application on the website and wait for a manager to contact you. They will clarify the details and help you choose a suitable tariff. You will receive the current account details immediately after the application is approved.

To use all Current Account Services features, you need to sign the agreement within 14 days after submitting the application. You choose where to meet the bank representative. This can be an office, a branch, your home, or a café. The meeting is free of charge: the manager will come at a convenient time and bring the documents for signing.

To open an account, sole proprietors and legal entities will need the original passport. A representative of an LLC must additionally provide the constituent documents and other papers required by law and the Bank of Russia (including Federal Law No. 115-FZ).

If you are opening an additional current account at the same bank, it is sufficient to present only your passport. The remaining information is already available in the organization's system.

Uralsib offers several Current Account Services tariffs & fees with different terms. For example, cash withdrawal limits and fund transfer limits. The maintenance cost depends on the selected service package. Opening a current account remains free of charge, allowing you to start operations without unnecessary expenses.

The bank has the right to close a current account if:

• there are no funds in the account, and the last incoming transactions were made more than six months ago;
• the organization has been officially liquidated.
  

The account may also be blocked and closed if the bank suspects the client of carrying out suspicious transactions. In this case, the financial institution will block access to the account and request documents confirming the legality of the incoming funds.

The bank is required to notify the client of the account closure, except in cases of liquidation. The remaining funds in the account can be transferred or received in cash.

An individual entrepreneur must provide the original passport. A representative of an LLC will need the passport of the general director and the company's incorporation documents.

If account management is delegated to another person, the bank will request an order or power of attorney confirming the right to sign and dispose of funds. The representative must also bring the original passport.

The bank has the right to request additional incorporation and other documents in accordance with the legislation of the Russian Federation and regulations of the Bank of Russia, including Federal Law No. 115-FZ. 

Yes, an application to open an account may be submitted by any person. However, only the business owner or their representative acting under a notarized power of attorney may sign the agreement and open the account. The representative may be the entrepreneur's relative, general director, lawyer, or accounting employee.

The legislation of the Russian Federation does not limit the number of current accounts that one client may open. This means that an entrepreneur is entitled to open several accounts. 

Several current accounts may be needed for:

• separating transactions by individual business lines or projects;
• separate accounting of finances for different legal entities or divisions;
  
• managing accounts in different currencies;
  
• using several tariff plans for different purposes.
  

Opening an account will take just a few minutes: complete the online application, wait for a call from a specialist, and receive the bank details by SMS.