For carrying out of personal clients’ payments bank opens two types of accounts:
Running accounts of natural persons in RUR gives the opportunity to carry out non-cash payments in rubles using the most convenient forms – payment orders or letters of credit. It’s important to take into consideration that the given accounts must not be linked with entrepreneurial activity.
To open the running account in RUR and carrying out the operations with payment orders, you need to come to the bank with the identified document and recipient details of monetary funds. Recipients can be body corporate, natural persons or individual enterprises. Bank client can to give the right to dispose of monetary funds of running account to the authorized representative (the warrant is executed in the bank or by notary).
Also the natural person may give the right to the bank periodically to transfer monetary funds from the running account. In this case the natural person gives the application of proper form (the application of periodical transfer) to the personal banking department or extra office of the bank, in which he charges to the bank to transfer monetary funds during the certain time to the proper bank accounts. The owner of account may cancel his application, giving the right to the bank to transfer monetary funds from his running account by force of filing of proper application to the bank.
When connecting to «Internet-Bank» system for natural persons clients can carry out all operations of their account via Internet: convert one currency from another, transfer money from their accounts, replenish bank card account.
Currency accounts of natural persons allow paying goods, buying for personal purposes, studying and treatment abroad, sending money relatives and friends to grant them etc. without limits in proper currency, (according to Federal Law «About currency regulation and currency control» ¹ 173 –FL).
It is possible to carry out transfer of currency at the own account, opened in the bank beyond the borders of Russia, if you have notification with the record of tax authority at the place of registration of opening of such account.
Without opening of the bank account you can transfer not over 5 000 USD from Russia during one banking day.
Operations are carried out according to applications on the form of a standard pattern or payment documents, executed in the established by legislation order ïîðÿäêå with the signature, applied in the card (form 0401026).
Applications and payment documents are accepted by bank for carrying out if monetary funds are available at the running account. Partial payment is not permitted.
