In the rest of the month, the largest Russian banks began to actively make changes to the tariffs on the rozrahunkovo-cash service of legal services in part of the sharp promotion of varosty of orders to the address of physical osib. At most banks, commissions are charged for repayment on whether they are accounts, bank cards, and deposits of a physical person.
For some banks, such transfers of commissions for transfers have already been canceled for the next hour, and if you have paid them for example in 2016 - on the cob of 2017.
Some of the banks from the ten largest Russian credit organizations, for whatever reasons, were so quick to introduce new tariffs that they forgot to remind their customers in advance. And the clients, otrimavshi about the new tariffs less than one day before, if the stench began to work, they were embarrassed to bear significant losses during the conduct of their major operations, to transfer the bank accounts to another bank, or else to live in any other way the stench did not take.
Change of tariffs for those who have banks requests for transfers of commissions for the translation of legal documents to the address of physical documents krim tih vipadkiv, if the organization zdiisnuє translation pay your wages to your sponsors within the framework of an agreed contract with the bank, send the register of payments from the salary directly to the bank with the client, and the bank transfers pennies from the account of the legal person to the bank cards of the yogo spivrobitnikiv (salary project). Serving a bank for such a salary project is not itself a free service.
Changes in the introduction of commissions for orders at the skin bank vary vіd 0.5 to 10% according to sumi order. І most important: in the majority of banks the maximum amount of commission is not exchanged, so that the commission is paid from the vіdsotkakh vіd sumi perekazu without zhdnyh obmezheni. We were fed, with some method the banks failed to introduce such commissions.
First allowances and those that banks with additional new commissions under the pressure of the regulator in the name of the Central Bank of the Russian Federation allow fight against illegal "cooking". Even though, for a long time, there has been a scheme, for which one-day firms, accumulatively unprepared costs for their contractors, transfer them for various recognitions to rahunki and cards related to them, and stinks, at their own hand, know the cards cooking. pennies. Possibly, in order to override the scheme, banks will request additional commissions.
It is necessary to note that in banks, which do not have such schemes carried out through them, it is already rich enough to use a whole effective technology for the exchange of these operations. For which, the tariffs of banks are charged with additional commissions for the insurance on the accounts of physical payments, or for the collection of the preparation of accounts and cards in other typical types. Obviously, in order to ensure the normal operation of such technologies, it will be necessary to provide special software tools or additional functions to the bank's staff. When installed on specific operations, blocking tariffs, the head of the fight against illegal “training” can be successfully achieved.
But the biggest Russian banks now went far away, the stench just blew it. increase the tariffs practically for all transfers to the address of the physical office. And in this way, not only the organizers of illegal schemes, but also the whole successful companies and entrepreneurs, can suffer. Another reason for arranging for the transfer of commissions may be due to the fact that the banks were speeding up the drive to fight illegal financial operations to increase government revenues.
Acting banks, with the introduction of new tariffs, acted more logically and loyally to customers, otherwise, navpaki, they wanted to do it zhorstko. We analyzed the tariffs of the largest Russian banks, which were published on their websites.
Oschadbank from 04/01/2017 we charge a commission for filing legal fees for physical education up to 1.1%. Previously, the commission was 1%. The minimum amount of commission is 150 rubles (minimum 115 rubles), the maximum amount of commission is not occupied. This commission does not apply to payments for salary projects to the bank, orders for payment of wages, social and insurance payments, as well as when ordering an individual allowance for an official salary of a physical individual up to 150 thousand. rubles per month. The rest means that an individual entrepreneur, having earned a decent sum of money, when transferring a penny of his own money to another account (rahunok of a physical person) to pay an additional 1.1% of the sum of money for the transfer of money, not related to business.
VTB Bank setting a commission for transfers of up to 6 million rubles per month at the transfer 1% (Minimum 100 rubles, maximum no deposits), and for payments in the amount of more than 6 million rubles per month - 10% kind of sumi. Commission does not stop less at times of orders within the framework of salary projects to the bank. This means that when repaid salaries to practitioners on bank cards or accounts without an agreement with the bank on the management of the company's salary project, the company will have to pay the commission regularly.
Tobto, for example, if the fund of income payment of entrepreneurship is 2 million rubles per month, and the company's spivrobitniks can draw cards of other banks, then the company pays the bank a sixty-sixth additional commission from the rozmіrі 20 thousand. ruble If the salary fund is 6.1 million rubles, then the total commission in the warehouse is already 610 thousand rubles. ruble By introducing such a commission, the bank will instruct the client to lay down an agreement for the maintenance of a salary project and regularly pay for it.
Tariff policy Bank VTB 24 in part of the retellings on the rahunka of the physiology is approximately the same. Vіdminnіst polagaє posobnosti perekazu up to 150 thousand. rubles per month without commission, and for more money transfer up to 6 million rubles per month - 1,5% . The amount of transfers over 6 million rubles per month is paid at the expense 10% . Commission does not match only when ordering from payroll projects to the bank.
You can save money, save money for the businessman to take away your money for the money earned by your company, after you pay all the taxes and commissions. A tax on income of an organization is 20%, then a tax on dividends of 13%, and then, when the dividends are transferred from the account of a legal entity to the tax of a physical individual, the commission to the bank is 10%, which is not much lower for the tax rate on dividends. Nutrition, what do you want the business manager to do? Maybe, no.
But in the current minds, if any of the small banks as a result of the expansion of the financial sector from the side of the Central Bank of the Russian Federation can quickly turn out to be problematic, the bank manager has only such an alternative: otherwise, open the company’s accounts in the bank to a smaller one, just save the banks, but take on the risk of significant financial expenses through the possibility of calling the bank licenses, or donate part of your pennies, paying the high commission of the great bank.
Tariffs Gazprombank in the distribution about internal transfers, nothing is said about commissions for transfers to the address of physical cases, although commissions for transfers to legal persons are present. For the outgoing payments - by the clients of other banks - there are no fees charged.
Rossilgospbank take 1% in case of transfer to physical persons, if they are clients of the bank (minimum 100 rubles, the maximum is not set), but if necessary, it is allowed to lay additional money, please change the amount of the commission. Nothing is said about the commissions from payments to the address of the physical - clients of other banks. Imovirno, zastosovuєtsya is similar to the commission from the expansion of 1% per order.
The only bank among the ten largest Russian credit institutions, which has surrounded the maximum amount of commissions, even if only at the address of the physical - power clients, є Alfa Bank. Internal bank transfers to individuals in the amount of up to 50 thousand. rubles for a month are charged free of charge, over 50 thousand. rubles per month - with a commission 0,5% (Minimum 100 rubles), but the maximum amount of commission fees in the sum 5 thousand rubles. Payments to clients of other banks need over 50 ths. rubles per month to be carried out at the same time with a commission from the rozmir 1% without obmezhennya maximum.
Bank FK Vidkrittya make payments to the address of your clients - physical assets in the amount of up to 150 thousand. rubles for a month free of charge, and for a larger amount with a commission 0,5% . But the commission does not expand on the payment of wages, dividends, author's wines and social payments. Transfers to physical persons for rahunki in other banks are accompanied by a commission at the remembrance 0,5% (minimum 27 rubles) with payment amounts up to 150 thousand. rubles per month 1% (Minimum 30 rubles) with an amount of more than 150 thousand. rubles per month. Wash your order with the Bank of FC Vіdkrittya, as a payer - a legal person and an obliger - a physical person is served in one bank, equally equal to the most, lower from most of the largest credit organizations. If the bank, on the authority of others, with its own actions, is able to request the transfer of commissions for orders, it does not bother its customers to lay agreements on the maintenance of salary projects, for which banks collect a supplementary fee.
Moscow Credit Bank having spent the transfer of commissions for transfers in the sich 2017 year. For payments to the address of the physical office independently, in the same bank, the payment orders are serviced, 1,5% per order (minimum 100 roubles, maximum not occupied). Vinyatkom є only payments for salary projects to the bank, for which other commissions are charged From the end of the month, it may be necessary to increase the decency of changes in tariffs, depending on the extent to which the promotion of the commission is charged additionally for salary payments (without an agreement on a salary project), copyright wineries, scholarships, and social insurance payments that fee for judicial decisions.
Promzv'yazokbank when arranging for tariff increases, it also does not show loyalty to customers. Transfers to physical persons in the middle of the bank are charged free of charge for less than the sum of up to 75 thousand. rubles per month. Payments over the amount are subject to commissions vіd 0.5% to 3.5% zalezhno vіd obsyagu rekazіv for a month. Commission does not match only for payments within the framework of agreements on salary projects to the bank. All payments to the address of physical accounts on the accounts of other banks are carried out against the debited commissions from the designated account without any blame. With this, for small orders (up to 75 thousand rubles per month), 0.1% of the amount of the payment is charged.
On site UniCredit Bank be there any information about the request for transferring commissions for transfers to the address of physical issues per day. Possibly, for the plan of UniCredit Bank, it is visibly charged by the other largest banks of the Russian Federation, but it does not charge commissions for carrying out the highest salary and other legal payments on the accounts of physical services.
As it is possible to succumb to data, most of the largest banks, when arranging for transfers of commissions for transfers to the address of physical deficiencies, forfeited only one blame, if the commissions do not accrue: payments under contracts for the maintenance of salary projects, which are signed by the bank. For servicing such agreements, banks charge additional fees, which may be lower, lower commissions for ordering without laying down such agreements. With such actions, banks actually smuggle customers to sign contracts and switch to services from payroll projects. Call the salary project management in the bank and it is more convenient for businesses, like a great staff of practitioners. For companies with a small number of personnel, as a rule, it would be necessary to transfer the salary to the doctor’s account by a fixed payment without laying down the contract on the salary project. Now, as you can see from the tariffs of banks, the situation is changing and small enterprises have to switch to salary projects in order to get rid of paying high commissions for transferring money to workers and cards to workers.
Acting banks moved in the wake of the promotion of commissions for ordering and paying salaries for the offices of working companies(without salary projects), as the holders of payments are serviced by that bank. There are more loyal banks among their clients, but at the same time, with such a rite, banks are terrified of workers in companies to raise their own money in them that they are instructed to provide services in other credit institutions, tobto really impose their services on physical persons through their robots.
Also, only other banks allow you to make payments without a high commission when paying dividends to individuals, author's wineries, social, insurance and other payments.
Let’s assume that the only method of raising the tariffs for transfers to the address of the physicist is the fight against illegal operations of clients, then when analyzing the tariffs of banks, significant sums are blamed, which is the right reason in itself.
Prior to the warehouse of operations, which transfer reorders to the address of the physical person, such payments are included, as they themselves, on their own, practically cannot be charged with compensation for subsidies, or by illegal financial schemes for the “transfer to production” of pennies and more activities.
For example, the payment of wages to employees of an organization, as a rule, is usually accompanied by an one-hour payment of all taxes (PDFO - 13% for taxpaying residents of the Russian Federation and 30% for taxable non-residents) and insurance payments on pensions, medical and social insurance (30% in total). In this way, with the payment of wages, the robot provider pays up to the Federal Tax Service (FNP) up to 43% of the sum of earned wages. It does not matter, in which bank and for which account the salary is repaid, and if the robot can agree with the bank about the salary project, but taxes and insurance contributions are paid by the company when the salary is repaid. It’s not clear why some people have illegal financial schemes, because banks are asking for higher tariffs for repaid wages for the remuneration of manufacturing enterprises, which other banks have to pay for salary projects.
Іnshoy as a whole legal operation payment of dividends to shareholders and participants of organizations. Slid vrahuvat, scho immediately with the payment of dividends on the salary of the company’s physical body, transfer the additional tax to the FNP(13% for taxable residents of the Russian Federation and 15% for taxable non-residents). And only one bank among the largest Russian credit institutions (Bank FK Vіdkrittya), which set higher tariffs, does not charge a commission for the transfer of dividends on the accounts of the financial institutions - clients of this bank. We pay dividends to the company - the client Bank FK Vіdkrittya physical person, rahunok yakої vіdkritо in another bank, which is accompanied by a commission. Reshta s instituting more banks in zovsim did not deduct this operation from the list of orders, for which the commission is not charged, regardless of those who pay dividends with a one-hour payment of taxes, in principle, cannot be put on the “refundable transfer” or illegal transfer.
In addition, there are situations, if the shareholder or the participant of the organization puts it in his position, and later the company turns it into the same account for the business. In which case, banks are allowed to pay commission fees from the company in case of turned position, seen earlier from the bank account in the same bank, although this operation is absolutely transparent and legal.
Іsnuyut and іnshі operations, not po'yazanі z illegal "transferring from training" or brining in the form of podatkuvannya, when carrying out yakyh podpriєmstva now zmushenі carry additional high fees to pay bank commissions.
All Tse daє mozhlivіst іz dosit great vpevnenіstyu stverdzhuvati scho pid drive Borotba of illegally fіnansovimi schemes banks zaprovadili pіdvischenі komіsії for perekazi to address fіzichnih osіb of real metoyu otrimannya dodatkovih dohodіv that zbіlshennya vlasnoї klієntskoї bazi for rakhunok pratsіvnikіv, SSMSC perebuvayut in their obslugovuvannі kompanіy , as well as promoting the sale of banking products as salary projects. If it wasn’t so, then the borders of operations were changed, for some banks there are no increased tariffs for ordering physical persons, looking more logical and more loyal in terms of respect to customers, not having a clearly expressed sloppy character, but also true to the complex of entering the bank directing to fight against illegal financial schemes.
If necessary, it is necessary to be sure that the promotion of bank services to the banking services of the business enterprises can lead to a chergovy promotion of the cooperation of their products and services, which is allowed to appear on the back - the population of the Russian Federation.
Dodatkovo should indicate what the situation is, if practically all the largest banks have collectively set up increased tariffs for transfers to the address fizosib, you can tell about the cob monopolization of the banking market, as a result of a significant shortfall in the number of Russian credit institutions and the temptation to transfer clients from small banks to the largest banks through instability, which is trivae, in the banking sector during the mass issuance of licenses.
As previously predicted, the shortfall in the number of banks led to a decrease in competition in the market of financial services, changing the position and capacity of the largest banks and monopolization of the market. When tsomu small grupa naybіlshih bankіv vstanovlyuє pevnі tsіnovі Minds for svoїh produktіv and pіdpriєmstva zmushenі abo bear neobґruntovano visokі vitrati on bankіvske obslugovuvannya, abo perehoditi in nevelikі kreditnі organіzatsії, rizikuyuchi whether if dіznatisya about vіdklikannya at whether yakoї of them lіtsenzії on zdіysnennya bankіvskih operations. . True, it’s good, if you want such a possibility, with which you can switch to serving in a small bank, which is more convenient and wise to put up with your clients. In prospects, it may turn out that way.
On the side of the Oschadbank Online system Translation of the organization You can transfer pennies to organizations, pay goods and services, collect tax payments, and also save a thorough transfer in the Special Menu.
In order to go to the right side of Oschadbank Online, you need to go to the right side Payments and orders click for messages Translation of the organization.
How to tell pennies to organizations
In order to rob transfer of money to organizations, follow the next steps:
Return respect: You can use the payment template for the transfer of pennies, so that the savings payment is in the list of payment templates. For whom to press on the force Select from payment templates and choose a valid payment template. As a result, all the details entered in the template will be used for the payment that is being created.
- In the "Number of account" field, enter the account of the organization, which will re-adjust the pennies.
- In the "IPN" field, enter the identification number of the payer of taxes.
- At the bank, select the Bank of the holder from the date of the name of the bank; In order to speed up the dovіdnik, press on the strength Choose from a date. In the window, set the ensign for the required bank and click on the Select button. As a result, the field "БІК" will be filled in automatically.
For certain companies or organizations, it is necessary to provide additional payment details, or fill in the field “Assigned to payment”, until it is necessary to enter all the necessary information to uniquely identify the payment, or to confirm the receipt of additional details (crime sum) of the payment.
It is important to correct the entered data and confirm the operation with a one-time password. After the first payment, go to Oschadbank for processing.
Ensuring the payment of which drive is obligated not later than the coming working day after the payment is made. If the pennies did not go to the account of the debtor, please check the status of the payment at the branch “History of operations on Oschadbank Online”. Once the operation has been carried out, the status will be “Not accepted by the bank”. Try to carry out the operation again or go back to the Oschadbank Contact Center to find out the reason for the payment.
In addition, you will always be able to issue a check for transactions at the branch “History of operations in Oschadbanka Online”.
If you regularly make payments to the owner's address, we recommend that you save and confirm the transaction template with an SMS password. All payments within the framework of such a template will be made without confirmation by one-time passwords.
Important! Payments for additional details are not available to customers, as they have not deposited UDBO with Oschadbank of Russia.
The transfer of pennies to a legal person of a physical person is more than possible for the minds:
- crediting chi formalized positions;
- purchase of products from a physical individual, as a result of providing an intermediate service;
- pay the wages of your practitioner.
Other statutes for this operation are not transferred by regulatory legal acts, and, in case of implementation, are considered illegal.
Posture
The transfer of a physical person into a legal person with the method of formalizing the position or the loan is secured both for the working companies and for third-party citizens. With the execution of contractual vouchers from your practitioners, you can operate with unrestricted sums of money.
Agreement on the position of a physical person of a legal entity from an outpost
However, third-party persons can draw up a position infrequently and not for large sums of money, otherwise you can turn the respect of regulatory authorities, shards for the withdrawal of the right to lend to the population, if not the company’s practitioners, then register in the register in the statistical authorities a new type of economy.
Purchase of products and services
In order to understand how to transfer pennies to a legal entity to a physical person, to be aware of the legislative norms, to be able to obstruct the conduct of a financial operation at the sight of registration between the participants please the contract, may be a community-legal status.
If the company is a payer of the MAP, then from the sum of the nadah chi delivered products, the obligatory payments are reduced as taxes and repayment to the pension fund, which is repaid the company's account and enter the company's account.
Payroll
The robot supplier, which is the subject of the undertaking of the status of a legal person, the goiter, and pays the hired workers (individuals) to earn a fee. Substantiated for the conduct of financial transactions and the execution of a labor agreement and a vikonana robot, apparently up to the criteria that could please the landing instructions. Transfer of expenses, recognition of any salary status, may be realized on the card account of the workers.
Agreement of a wireless position
legislators guard
The law governs the unprepared recapture of a legal entity of a physical person. Vіn obumovlyuє protidіyu vіdmіvannі vіdmіvannі vіdmіnіh іngoіv i vznaєє nebkhіdnієє konkhіdіnіє kontrolіvі penny rekazіvі on rahunki izіchnyh osіb in situatsіyakh, if їх rozmіr їхірірієє їхірірієє smuє 600 000 roubles.
Pilniy uvazi bank pracіvnikіv pіdlyаgati opraktії:
- reversal of expenses at the rozmіrі, which exceeds the normative value;
- lending;
- the operation carried out by the papers, which are valuable for the situation, as the holder does not have a resident status.
The participants should be guilty of vrakhovuvaty, so about all suspicions, come to the banking sector, the spivrobitniks of goiter, tell the Central Bank. With which bank, having carried out the transfer of pennies to a legal entity of a physical person, it was forbidden to inform its clients about those that information about the bula was transferred for investigation of the method of identification of the procedure, pov'yazanominez.
The commission for the operation of transferring payments, may be charged to the bank's unsubstantiated savings and additional deposits.
Vіdpovіdno up to paragraph 1 of article 16 of the law "On the defense of the rights of the savior" to the agreement that infringe on the rights of the sspozhivach against the rules established by the laws of other legal acts of the Russian Federation in the sphere of the protection of the rights of the sspozhivachіv, are recognized as invalid.
Vidpovidno up to paragraph 3 of Art. 16 of the law "On the defense of the rights of the spy" there is no right for a spy to receive additional services for a fee without the help of a sspozhivacha. I have the right to vouch for the payment of such services, and if the stench is paid, I have the right to vouch for the return of the paid sum.
Commissions have been established at the viscons of the TOV, as well as by physical persons, for the payment of services, payment for work, compensation for expenses and otherwise, by the norms of the DC of the Russian Federation, the Law “On Protection of the Rights of Spozhivachiv”, other federal laws and other regulatory legal acts have not been transferred.
Normative legal acts of the Bank of Russia that are incompetently super-clear to the authorities of the DC RF, yet, vihodyachi z Art.
In this manner, the bank should be able to pay taxes for the payment of services, pay for work, compensation for expenses and, in addition, under paragraph 1 of Article 16 of the law “On the defense of the rights of the spouses”, they infringe on the rights of the spouses established by law. And think of agreements that set up a fee for scheduled operations, don’t take them, shards of super-scratch for the support of civil legislation.
Carrying out mutual frost protection between physical and legal persons in an unprepared way on this day is one of the most requested banking services.
The banker’s commission is worth the sum of money for a banker who has acquired a significant amount of bank transactions. The commission can be paid for the type of loan, payment of a check, withdrawal of payment through an ATM, payment of a penny order and other operations.
All organizations that pay bank accounts in banks pay a large commission for serving a bank, individuals also pay for the service of serving a bank, paying a bank card, which is charged as a public commission.
In fact, by charging a commission for transferring penny koshtіv, from whichever earlier and so taxes were paid, the bank collects a commission not only for servicing the rahunka, but also for the very fact of penny koshtіv.
The provisions of the Law on the Protection of the Rights of the Spaniards do not allow the imposition of paid services on the spazhivatsya. And at Article 10 of the Law, there are about those who, before the agreement is laid down, can be given information about all the sums that are paid. To that, everything that can be seen as a slowdown over the assigned sum, from the side of legislation, can be seen as an unlawful tightening of a slowdown. Such a thought and Rosspozhivnaglyadu.
In this way, the Commission for the operation of transferring payments can be recognized as an unrepresented bank.
As a rule, paying a bank account is accompanied by additional payments: fees for opening a bank account, a fee for conducting a bank account, and a fee for choosing a bank online. The law does not regulate data on payments, in connection with which the bank's middle class formed a firm practice of contracting commissions through freedom of contract (Article 421 of the Central Committee of Ukraine).
Before the appointed article of the DC of the Russian Federation, the credit institution sounds an appeal against the hour of the commission's denial by the employers.
In independent service, by virtue of the clarification of the Presidium of the Supreme Arbitration Court of the Russian Federation (information sheet of the Presidium of the Supreme Arbitration Court of the Russian Federation dated September 13, 2011 No. 146 No. 146) information sheet of the Presidium of the Supreme Arbitration Court of the Russian Federation dated 13.09.2011 No. 147 “Oglyad of the court practice of resolving disputes arising from zastosuvannyam provisions of the Central Committee of the Russian Federation on a credit agreement” (further - Review No. vinikaє dodatkove minenove good Іnshiy Korisny effect. Such services cannot be standard actions of a credit organization, without the consent of which the bank is not a senior official of vikonati goitre, accepted in a credit agreement. Such visnovkіv court dіyshov vihodyachi z the provisions of Article 779 of the Civil Code of the Russian Federation. As if the commission is not an independent service, such a provision of the contract is worthless, but the commission, which is drawn up, is unclaimed wealth.
In fact, the payment of this commission is not bribed to the reward of the recipient of any services, from which the recipient could instantly blame the self-sufficient good. For such minds, the handling of such commissions is illegal, and the withdrawal of money by the bank is unrewarding wealth. On caesokrem, it is assigned at point 4 of Oglyadu No. 147.
The commission for transferring the coins does not create any corny effect on the persons who have the translation, because z tsikh koshtіv were earlier paid taxes .
Also, the bank will take away the additional benefit from the presence on the accounts of electronic money, which will increase the turnover.
In such a manner, at the request of the fact that the Ministry of Finance is actively pushing for the transition to unprepared rozrahunka, they are accepting legal acts, such as, for example, “Regulations on the rules for the transfer of penny coins” (approved by the Bank of Russia on 19.06.2012 N ) (ed. Vіd 06.11.2015) (zareted in Mіn'Yustі Rosії 22.06.2012 N 24667, Power Maody ObonyTee Zahist Golubyanka Yak Econio Weak Big Governo Dnovnosin, Scho demand a particular zahista's right і yakі actually not Mayutvosti Visotinii banks please, that zmusheni accept bindings that are imposed by banks.
Dovidkovo:
- In 2013, the banks earned 745.5 billion rubles on commissions from Russians, which is 16.4% more than in 2012. Oshchadbank is the leader for the obligatory selection of commissions, which took 212.8 billion rubles. Another place is borrowed by Alfa-Bank for 35.1 billion rubles, the third - "Russian Standard" for 22.6 billion rubles. Up to dozens of banks leading the charge for commissions include Renaissance Credit, Skhidniy, VTB 24, TKS-bank, Raiffeisenbank, Kiev-bank and MTS-bank.
- On September 30, 2014, the Supreme Court of the Russian Federation, having satisfied the statements of the BAT "Sberbank of Russia", could invalidate the decision No. A4-9/12 and the decision No. AP4-64/12 of the Tambov OFAS Russia.
So, on July 24, 2012, the Tambov OFAS Russia recognized the BAT “Sberbank of Russia”, which violated part 1 of Article 10 of the Federal Law “On the protection of competition”.
It has been established that the Oschadbank of Russia should take an hour to see the preparation of rakhunkiv gromadyans, having reduced the commission of the wine-grower at a glance of 1% of sumi, the stosuvannya of such a buv is better with contributors.
Vіdpovidno up to part 1 of Article 29 of the Federal Law of 02.12.1990 No. 395-1 “On Banks and Banking Activities” the commission for the operations of the wine city is established by the credit institution for the benefit of the customers, as otherwise not transferred by the federal law.
Assigned to the Bank in case of giving banking services to their depositors, they infringe on their interests. Vrakhovuychi, that Oschadbank of Russia borrows a dominant position over the market of services for the supervision of the banking authorities in the Tambov region, and therefore violating the antimonopoly legislation.
For the damage to Oschadbank of Russia, fines for part 1 article 14.31 of the Code of Administrative Offenses of the Russian Federation amounted to 562,500 krb.
Arbitration judges of three instances confirmed the legitimacy of the antimonopoly body.
Butt of unprimed incurring vitrates
The salary of a physical individual is 30,000 rubles.
Amount of taxes paid by the robot provider to the Pension Fund (30%) 9,000 rubles.
Amount of PDFO, paid by the practitioner (13%) 3,900 rubles.
Commission to the bank for servicing the account + bank-client + mobile payment + notification to the bank = 1500 rubles. on average for a month + 25 rubles. (So just in the middle) for carrying out skin payment kr_m podtk_v.
In this rank, the organization carried the cost of servicing the accounts and the operations carried out, which are the income of the bank as a commercial organization.
І, in fact, the commission for the transfer of koshtіv is a kind of income tax, which is an additional contribution, for which 300 rubles!
Beruchi Before Uvagi Pol_tiki Dervy Schodtika Small P_DPRIєMNICTVA Yak Self-Systems Systems Socially-Ekonio Systems Polyvy (federal law "About the Rosiyskii Sadnogo PІDPRIєMNIєMNIєMNIєMNIKTVA" № 209-ФЗ "№ № 209-ФЗ, it is necessary to serpent the vehicle.
At the same time, small business as a non-stable business structure, the most fallow land in the market, will require various sovereign support.
Oschadbank: salary project and tariffs for legal entities The salary project at Oschadbank is a win-win for all its participants: clerks and vlasniks, spivrobitniks and banks. This project includes a set of services:
- Rosrakhunkovo-cash service.
- Transfer of money from / to the card.
- Transfer to the preparation of pennies at an ATM.
- Outstanding banking service.
- Package service for the "Premier" and "First" kerіvniki.
Most of the services within the framework of the project are free of charge.
Tariffs for Oschadbank for legal entities
We will remove 6 digits from the text, I will revert to number 900. Transfer to the accounts of legal issues
Transfer Without a bank account With a bank account Through the cash desk Through an ATM/terminal Through the cash desk Through an ATM / Oschadbank Online To the budget of state funds 3%, min 30 rubles, max 2500 rubles.
2%, min 10 rub., Max 2000 rub. 2%, max 1500 rub. 1%, max 500 rub. For the services of ZhKG 2%, min 30 rubles, Max 2500 rubles. 0.9%, min 10 rub., Max 1000 rub.
1.5%, max 1500 rub. 0.5%, max 500 rub. For electricity 2.5%, min 25 rub., Max 2500 rub. 1.5%, min 10 rub., Max 1000 rub.
2%, max 1500 rub. 1%, max 500 rub.
Uvaga
For the services of a call and the Internet 2.5%, min 10 rubles, max 2500 rubles.
2.5%, min 5 rub., Max 2500 rub.
What is the fee for the Oschadbank commission and tariffs for pennies?
Card type Wash the river service Classic Visa card 750 rubles 1st river, extended 450 rubles Aeroflot Credit Card 900 rubles 1st river, extended 600 rubles Gift of Life Credit Card 1000 rubles 1st river, extended 450 rubles "Triyka" 900 rubles 1st river, distance 600 rubles Youth MasterCard card 150 rubles per month Visa Gold Card 3000 rubles per month within the full base rate of the standard tariff (30 or 60 rubles per month).
important
The service allows you to receive information in real-time mode about charges and debits from your account, as well as to reschedule payments for additional special commands that are charged to the number 900.
Commission to an oschadbank for transferring pennies to another bank
Transfer from card to card Rukh Koshtiv from one card of Oschadbank for other purposes is easier and more importantly cost-free (no commission).
Pennies can be spent on the account for a few seconds, so that for the operation, you can use an ATM, the Oschadbank Online platform, a mobile add-on or a 900 service.
Commission in the amount of 1% per order (although not more than 1000 rubles) is charged only if the cards are issued in different regions.
You can transfer pennies without any money, like the cards have one vlasnik, for example, from a debit card to a credit card.
You can make a translation using one of the following methods:
- Through an ATM. To transfer, you will need a card, you need to insert it into an ATM, select the option “Payments and transfers”, then go to the “Transfer of funds” tab and enter the necessary data.
- For help to Oschadbank Online.
Transfer of pennies to a physical person legal entity through an oschadbank
Guidance tariff for all over the country. Internet-banking options Internet-banking in Sberbank allows all interested financial clients to set up payment for utility bills and bills, make money deposits, top up bills, pay fees for taxes, fines, and make auto payments.
When I take a bank for services, comrades, I pay a fair amount of service. Basically, such a fee is є vіdsotkom vіd soums that figure in transactions.
Prote, for deakim services there is a specific rate.
For servicing, subscribers can add a different package - "Update" or "Economy". In the first place, the service charge is due according to the type of customer's card.
Tariffs to an oschadbank for fiz. osіb y 2018 roci
Go to the special office of the SO, select the option "Request to the client of Oschadbank". On the vibir, you are prompted to make a transaction for the card number or phone number. Save general language fields and enter digits from SMS as confirmation.
- At the mobile addon. Select the "Payments" option, given to "Client Oschadbank". On the card chi rahunok. Enter letters of the name of the obedience officer at the notepad. If the phone number is not recorded, you can enter it manually, or you can also enter the card number.
When transferring to the account in Oschadbank, it is necessary to enter all the details, including PIB, IPN of the holder, BIK and Kor.
rahunok jar.
- By SMS command to number 900. Enter the text “TRANSFER [phone number] [amount in rubles]” and send an SMS to number 900. Text appendix: “TRANSFER 9031234567 1000”. At the confirmation you will receive an SMS with a confirmation code of 6 digits.
Banks charge commissions for transfers to the address fizosib
If you want to know the reports, think about the exact variability of the operations, then it’s best to turn to fakhivtsiv to the nearest financial institution. For legal entities, reduced tariffs were transferred: collection of automatic safe deposit boxes, reduction of pennies, short-term payments of collectors only.
Tariffs for other services to Oschadbank for legal entities Oschadbank offers a great selection of services for legal entities.
The financial regulation is to carry out modern rich services that allow customers not to rely on their main rights, and to carry out all operations with finances as quickly as possible.
Vedennya, whether it’s a kind of business, transfers victorious services and spivpratsyu with banks. The services and products of banks allow you to control the cost, to pay different financial support, to pay wages, to pay for the services of other companies and taxes, and a lot of other things. Vrakhovuchi all aspects of running a business in our country, a lot of legal issues as a partner to choose "Sberbank".
There is a great range of services and special propositions that allow the robot to be forgiven.
Oschadbank tariffs for legal entities for the transfer of a physical person
Tariffs for cash services in Oschadbank for legal services for the project: ADVERTISING
- Release of "plastic" and other services - no cost.
- Withdrawal of pennies without redistribution of the additional limit in cash registers, when a card was seen - without a cost.
- Translate within the framework of the project - no cost.
- The credit limit rate is 20% for stained sum.
- Penalty for overstitching the limit - 40% for stained sumi.
Significantly, on all salary cards of the base level, an additional limit is set for free withdrawal of pennies, which is 50 thousand rubles.
For "platinum" clients, this limit is reduced to a million.
Tariffs for legal entities for acquiring to Oschadbank Acquiring is a system for accepting bank cards as payment for goods and services.
Transferring the installation of terminals for reading "plastic" and debiting from a new bank.