What documents are required to open a current account in Khabarovsk?
An individual entrepreneur only needs to provide their passport. For an LLC, the passport of the company head and the constituent documents will be required. The bank may also request additional documents to comply with legislation and regulations of the Central Bank of the Russian Federation.
Some of the documents will be prepared by the bank itself and provided to you for review and signature.
Can a third party submit an application to open Current Account Services?
Yes, an application for current account services may be submitted by any person. At the same time, the service agreement must be signed by the business owner or their representative under a notarized power of attorney. This may be the owner’s relative, an executive director, a lawyer, or an accounting employee.
How long does it take to open a current account in Khabarovsk?
Submitting an application takes just a few minutes. To do this, you need to go to the bank's website and fill out a short form. A bank representative will contact you immediately after it is received.
After that, you will have 14 calendar days to sign the documents. The sooner you do this, the faster you will be able to start using all the features of Current Account Services.
How many current accounts can an organization open?
The law does not limit the number of current accounts for sole proprietors and LLCs. They may open two or more accounts under different service terms. One tariff may offer more favorable acquiring, while another may provide convenient terms for handling cash.
Opening several accounts can be a convenient solution if the business conducts different types of activities or works with branches.
Can the bank close a current account on its own initiative?
The bank is entitled to make such a decision in several situations:
the client has not carried out any transactions on the account for six months;
there have been no funds in the account for six months, or a negative balance has arisen on it with an overdraft enabled;
the sole proprietor or company has begun liquidation proceedings.
In addition, the bank may close the account due to suspicious transactions. In such a situation, it first suspends Current Account Services and requests documents confirming the legitimacy of the incoming funds. If the client cannot provide them, the bank decides to close the account.
In all cases, except for the liquidation of a sole proprietor and a company, the bank notifies the client of its decision in advance. If money remains in the account, the client must transfer it to another bank in advance or withdraw it in cash.
