Current account for pickup points

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.

You will then need to sign the agreement. This can be done at the nearest bank branch or by arranging a meeting with our representative at a place convenient for you. The documents must be signed within 14 days after submitting the application. After that, you will receive full access to all Current Account Services features.

There are several grounds for closing an account:

• the balance remains negative or zero for six months;
• suspicions that the account is being used for illegal activities;
  
• termination of the company's operations.
  

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 The remaining funds in the account can be transferred to another account or withdrawn in cash.