Servicing legal entities at Raiffeisenbank. Current account for business at Raiffeisen Bank
The basic tariff includes mandatory services included in the full price:
- opening a current account;
- access to an online resource;
- transfer of wages to employee cards.
The “Optimum” and “Maximum” tariffs are complemented by a corporate card and an SMS notification option.
The bank additionally offers services for organizing a business:
1. Salary project, which includes providing all company employees with free bank cards and participation in a loyalty program from partners. Servicing operations related to the movement of money will be free when you activate the “Salary” service package.
2. Bank guarantees up to 145 million rubles for participation in government procurement.
3. Large loans on comfortable terms for business development.
4. Acquiring, that is, the ability to make payments non-cash, involves several types that involve payment of commissions:
- trading - in the amount of up to 1990 rubles, depending on the level of turnover of funds per payment terminal, plus a fee of 1.79% of the payment amount;
- Internet - in the amount of 2.7% from the turnover of funds;
- mobile - with a fixed commission of 900 rubles.
5. Currency control, which involves support of foreign economic transactions.
6. Collection, the cost of which is calculated individually and depending on geography and volume of services.
7. SMS notification costs 190 rubles per month, if not included in the tariff.
Package offers
Raiffeisenbank offers clients four packages of services designed for different levels of enterprise development:
"Start" with a subscription fee of 990 rubles, assumes:
- commission-free money transfers to cards of individuals up to 100 thousand rubles;
- payment cost 25 rubles;
- free registration and servicing in online banking.
"Base" with a subscription fee of 1900 rubles, includes:
- commission-free transfers to cards of individuals up to 200 thousand rubles;
- 10 payments per month without charge, and for subsequent ones - 25 rubles for each;
- free services: Internet bank Raiffeisen Business Online and mobile application.
"Optimum" costing 2900 rubles per month, includes:
- the ability to transfer up to 500 thousand rubles to cards to individuals without charging a commission;
- carrying out 60 free payment transactions, and subsequent ones cost 25 rubles;
- free functionality in the form of: remote services, SMS notifications, cards to the “Business 24/7” current account, VIP service for the manager.
"Maximum" with a subscription fee of 7,500 rubles and a set of services:
- 300 free payments;
- 700 thousand rubles for transfers not subject to commission;
- corporate card;
- "SMS notification" option;
- "Mobile Bank-Client" system;
- two packages of privileged services for management.
You can save on monthly maintenance by getting a discount in:
- 25% if payment is made in advance;
- 100% if you recommend bank service to a friend.
Which tariff should I choose?
A business representative with the status of an individual entrepreneur, LLC or JSC has the right to independently choose a tariff plan that is beneficial to him, depending on production volumes, the operating mode of the enterprise and financial activity.
Rates "Start" And "Base" suitable for:
- who is just starting to do business;
- has a small number of employees.
Rate "Optimum" will suit both representatives of small and medium-sized businesses conducting active production activities.
Connect tariff "Maximum" and companies with stable incomes, a high level of production, and a solid turnover of funds can afford not to be denied anything, and have all the advantages of high-quality banking services from Raiffeisenbank.
What services are included in RKO?
The list of main operations includes:
- opening a current account;
- current account reservation;
- collection services;
- high-tech remote maintenance;
- corporate card products;
- currency and conversion transactions;
- cash transactions;
- payments and transfers in rubles;
- deposits;
- loans.
An account can be opened in both national and foreign currency.
Raiffeisenbank has developed a flexible line of loans for various forms of business, including individual entrepreneurs. For convenience, the bank divided all types of loans into two large groups. The first group contains offers for businesses with income up to 60,000,000 rubles per year, the other includes products for companies with revenue from 60,000,000 to 480,000,000 rubles per year.
Types of loans for businesses with income up to 60,000,000 rubles per year
All proposals for borrowing funds from Raiffeisenbank JSC differ from each other in terms of consideration of applications, list of documents, amount, type of collateral and interest payment period.
Credit "Express"
The program provides small businesses with the opportunity to receive up to 2,000,000 rubles in a maximum of 2 days without collateral, under the guarantee of the business owners.
The program is available to individual entrepreneurs and legal entities who have entered into an agreement to service a current account with Raiffeisenbank. There is no need to confirm the company’s income with official papers.
Overdraft
To cover cash gaps, as well as for additional financial injections into your business, use the Overdraft program. From 100,000 to 1,200,000 rubles without collateral and commission, tranche term - up to 1 year. The loan amount cannot be more than 35% of average by the value of credit turnover or 50% of minimum credit turnover.
Overdraft loan for entrepreneurs
Amount of credit
from 100 thousand rubles to
1.2 million rubles
loan terms
up to 12
months
loan rate
from 12%
per annum
* - unlimited period for tranches
Registration takes place under the guarantee of the business owners, and the principal debt is repaid daily.
Easy overdraft
This product allows an individual entrepreneur to receive 100,000 rubles at 0.1% per day with an interest payment period of up to 5 days. The offer is suitable for those who want to get a loan without guarantors.
Every month, customers using this credit line receive a notification about how much they need to deposit. The overdraft will be activated automatically after 3 full months of working on a current account at Raiffeisenbank with a monthly income of 200,000 rubles, if you expressed a desire to open a limit when opening a current account.
Classic light
Loan secured by real estate: commercial or residential. You can use the received amount as fixed assets to open a business from scratch, for investment purposes or to increase working capital.
Credit "Classic-Lite" for entrepreneurs
Amount of credit
from 100 thousand rubles to
4.5 million rubles
loan terms
from 4 to 60
months
loan rate
from 12%
per annum
* - decision on application within 48 hours
You can apply for an amount from 100,000 to 4,500,000 rubles within 2 days for a period of 4 months to 5 years. Early repayment is free and available at any time. Loan guarantors can be business owners or collateral providers.
Types of loans for businesses with income from 60,000,000 to 480,000,000 rubles per year
For companies with income from 60,000,000 to 480,000,000 rubles per year, a number of proposals have been developed that meet the requirements of businessmen.
Bank guarantees
Bank guarantees – offer with the widest range of conditions, and no hidden fees. The bank also offers an individual approach to each individual entrepreneur. Guarantees can be issued on standard terms and “express” (in 2 days). Under a standard guarantee, you can borrow a maximum of 145,000,000 rubles from the bank for a period of up to 2 years, in the absence of collateral - up to 5,000,000 rubles. Express guarantees provide for the issuance of a maximum of 4,500,000 for 2 years or up to 2,000,000 rubles without collateral.
"Express guarantee" can be issued if:
- It is necessary to ensure obligations under government procurement (44-FZ, 223-FZ).
- Payments under the guarantee are provided in favor of a regular client of Raiffeisenbank.
- The guarantee form was developed by Raiffeisenbank.
The direct owner of the business can apply for the service. Third parties will be denied services.
Investment
Under the terms of this program, you can receive from 4,500,000 rubles to 145,000,000. Borrowed funds are issued for a period of up to 10 years. If the loan is not secured with collateral (real estate, equipment, vehicles), the amount will not exceed 5,000,000 rubles. The deposit can be paid by third parties.
Investment loan for entrepreneurs
Amount of credit
from 4.5 million to
145 million rubles
loan terms
from 12 to 120
months
loan rate
from 12%
per annum
* - the loan is issued for commercial purposes and loan refinancing
The interest rate is determined individually for each entrepreneur. The loan can be used to cover loans taken out from other commercial organizations.
Negotiable
The product is designed to develop your business and obtain additional financing. The maximum amount is 145,000,000 rubles, the minimum is 4,500,000. The loan term can be 2 years ( renewable credit line) or 3 years ( non-renewable line).
"Revolving" loan for entrepreneurs
Amount of credit
from 4.5 million to
145 million rubles
loan terms
up to 36
months
loan rate
determined
individually
* - loan amount without collateral - up to 5 million rubles
Without securing a loan with collateral, you can count on an amount of up to 5,000,000 rubles. Transport, real estate, and purchased working capital are used as collateral. Pledge from third parties or a combined form (partial security with a pledge and surety) is allowed.
Overdraft
The essence of the program is the same as for companies with income up to 60,000,000 rubles per year. Differences in conditions: loan amount up to 10,000,000 for a period of up to 3 years. A loan can be provided automatically if there is not enough money in the company’s accounts for payments. It is possible to save interest on the loan, since automatic repayment occurs daily from the amount of credited funds.
Letter of Credit
At Raiffeisenbank you can obtain a letter of credit without collateral in the amount of up to 145,000,000 rubles. You can read more about it on our website by clicking on.
What is needed for registration
In order for a legal entity or individual entrepreneur to receive a loan from Raiffeisenbank, it is necessary to submit documents to the bank branch that works with this category of clients.
To find it you need:
At ATMs of partner banks, you can check your card balance for free and withdraw cash under the same conditions as at Raiffeisenbank ATMs.
I have been registered with Raiffeisen Bank since 2004 (sort of), was a gold client and, to be honest, I was proud to have such a “European bank”.
I had a credit card with a limit of 350,000 rubles, which I repeatedly emptied and replenished, and did not see any particular problems with it. The bank girls interacted with me politely and helpfully.
Then my accounts were seized and the bank wrote off the next payment to the credit card that I made in favor of the seized account. My accounts were seized for the first time, so I had no idea that my money would be written off.
A girl called me and told me about it. I asked how I could now pay for my credit card. The girl said that only through partner banks.
I did this once and it turned out that I had to pay a commission. What I didn’t like, and it seemed to me that it violated my rights.
I called the bank and said that I didn’t want to pay a commission, that I was ready to bring and deposit money anywhere, in cash or by bank transfer, but from my point of view, the bank has no right to demand a commission from me. The operator said that there were no other options, I asked to be connected to the authorities.
From then on the horror began. I started getting calls from rude young people who demanded payment of the minimum payment. I, not suspecting anything, simply asked to connect me with the authorities. The rudeness gradually intensified. I wrote a complaint through the site. The services I complained about called me back and reproached me for writing complaints.
Then I got to a normal branch, where they told me that there IS an opportunity to pay without a commission. I reported this to the call center operators, asked them to explain this behavior of the call center, and wrote another complaint.
The bank's behavior has not changed.
When men started calling me and saying that they would come to my home and that I would be at home, the discomfort of communicating with the bank became so strong for me that I began to pay a commission, just so as not to have anything to do with the bank.
Just when all this was happening, I was offered a platinum card. I contacted the managers who issued the platinum card and asked for help, but they refused.
As a result, I paid off the seized bills a long time ago, refused the platinum card, closed the gold card, and withdrew all my companies from Raiffeisenbank.
I will not recommend anyone to deal with this bank again.
Perhaps it is European in Austria, but in Russia it is extremely non-client oriented.
Raiffeisenbank 12/19/2019 11:48
Dear Customer!
We sincerely regret that you had to face the situation described.
In accordance with the decisions received by the bank, a foreclosure was applied to your funds. There are no legal restrictions on the collection of funds from the current account to which the credit card is linked. Therefore, the funds credited to the credit card account were subject to a garnishment and the funds could not be used to pay off the credit card debt.
The resolution of the bailiffs is a measure of compulsory execution of judicial acts. The bank providing services to the debtor immediately fulfills the requirements for the collection of funds contained in the bailiff's decision.
If there are insufficient funds in the account to satisfy all requirements, the loan payment cannot be written off before the requirements under the executive documents are fully satisfied. This requirement directly follows from Art. 855 of the Civil Code of the Russian Federation.
Based on the results of the check carried out as part of your previous requests, you were given all possible options for repaying your credit card debt.
Sincerely,
Marat Salakhutdinov
Complaints and Incidents Team
JSC "Raiffeisenbank"
Carrying out settlement and cash transactions is an integral part of every business; the speed of opening an account and the availability of a range of necessary services at reasonable prices are important for every entrepreneur. Raiffeisenbank RCO tariffs for individual entrepreneurs start from 990 rubles per month, which is very attractive for small businesses. The bank can also offer a full range of services for large companies.
RKO from Raiffeisen Bank provides for opening a current account and servicing it. As well as a whole range of services that are necessary for both small businesses and large companies:
Why legal entities choose cash settlement services from Raiffeisen Bank:
- This is a large and reliable international bank, one of the TOP10 in the Russian market;
- Payments are made quickly, without delays;
- It is possible to reserve an account number after filling out an application on the website;
- Account opening is possible in any currency;
- There is no additional fee for opening multiple accounts;
- The bank can collect and transport money/valuable goods;
- Reasonable cost for Raiffeisenbank small business cash settlement services, as well as comprehensive satisfaction of all the needs of the LLC;
- Updated Internet banking is available to everyone; through their personal account, users can view their balance and transaction history, sign payments using SMS and a USB token, create templates and import payment cards from 1C, create reports and upload them to 1C.
What is needed to connect to the service. Terms and documents
Applying for cash settlement at a bank is quite simple and quick; you can fill out an application on the Internet in 10 minutes, reserve an account number and receive details.
Procedure for registration of RKO:
- On www.raiffeisen.ru, select the RKO section and click Open account;
- Fill out an online application (example in the figure below): phone number, company name, TIN, type of organization, full name, e-mail, city, branch number;
- You can order a call for additional consultation, a specialist will contact you within 10 minutes;
- After agreeing on the terms, the account will be reserved (available for residents of the Russian Federation and individual entrepreneurs), and the details will be sent by email;
- A mandatory step is account activation; this can be done at a bank branch or you can arrange a visit with the manager.
List of documents for signing the contract:
- For individual entrepreneurs:
- Statement;
- A copy of the entrepreneur's passport;
- Extract from the Unified State Register of Individual Entrepreneurs.
- For residents of the Russian Federation:
- Statement;
- Constituent documents;
- Samples of seals;
- The decision to appoint a manager, his passport;
- Confirmation of the authority of persons who can sign documents and their passports;
- License.
- For non-residents, you additionally need a Certificate of Registration of a Foreign Organization and possibly other documents at the request of the bank.
Tariffs and service fees
Raiffeisenbank offers clients comprehensive tariff offers that can meet the needs of each company.
Rates may vary slightly in different regions. On the website you can select your region and download a detailed tariff book, please note - from 05/28/2018. updated version is in effect.
Raiffeisenbank cash settlement tariffs for legal entities (Moscow):
- For beginners – Start – 990 ₽/month;
- Basic – 1900 ₽/month;
- Optimum – 2900 ₽/month;
- Maximum – 7500 ₽/month.
Tariffs differ in the number of free payments to counterparties - from 0 to 300 transactions, each transaction over the limit is paid separately - 25 rubles / piece. The limit on the amount available for transfer to cards of individuals also varies - 100-700 thousand rubles.
All tariff plans provide for opening a current account, access to the Internet and mobile banking, only in the starter package for mobile banking, if desired, you need to pay 190 ₽/month. The two most expensive packages provide an SMS service for business, as well as the opening of corporate cards and privileges for an executive - the Gold service package (5% cashback at gas stations, free account opening and travel insurance).
For all company accounts at Raiffeisen Bank, you can choose only one tariff plan. You can change it without restrictions at any time, the cost of such a service is 1000 rubles.