Deposit rates for legal entities. Business deposits. List of documents for opening a deposit

UniCredit Bank accepts clients' funds as time deposits (deposits). Guided by the principle of ensuring maximum investment reliability of the funds raised in this way, the bank places them on the international and domestic financial markets with the lowest possible risk.

Special offer

Increased deposit rates for small and medium-sized businesses:

The rates for attracting deposits of SMEs in Euro are set individually.

The deposit does not provide for the possibility of early withdrawal, automatic re-placement, partial withdrawal and replenishment. At the end of the term of the deposit, its amount with accrued interest is returned to the account from which the funds were deposited. The maximum deposit amount is 1 billion rubles.

Time deposits (deposits)

UniCredit Bank accepts temporarily free funds of its clients in term deposits. For these purposes, the client and the bank preliminarily conclude an "Agreement on the general conditions for accepting a bank deposit (deposit) of funds of legal entities in AO UniCredit Bank". Funds in the deposit are recorded in deposit accounts.

Funds accepted as a term deposit are debited from the client's current or other account with UniCredit Bank and, at the end of the deposit term, are returned to the same account.

UniCredit Bank also issues its own bills. Unlike a term deposit, when the client is not able to use the appropriate funds during the term of the deposit, the purchase of the Bank's promissory note gives the holder the opportunity to use it in financial schemes and in settlements with his commercial partners before maturity of the promissory note.

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Documents for opening a deposit account

If the client has a current or other account with UniCredit Bank, additional documents are not required to open a deposit account. An exception to this rule is the deposit accounts of non-resident clients who do not have a representative office in the Russian Federation. Even if there are other accounts with UniCredit Bank, each deposit account of such an owner can only be opened when the client submits to the bank the original certificate of registration with the tax authority.

• Conditions for accepting a bank deposit (deposit) of funds of legal entities in AO UniCredit Bank (Appendix No. D-1 to ATP)

If the Agreement on general conditions was concluded with the client before June 08, 2009, then the Letter-Instruction for placing funds in the deposit must be used as a bank deposit (deposit) agreement.

For dual-currency deposits, additional agreements or a form of agreements are signed, initially providing for the placement of these instruments.

PJSC Sberbank is the largest bank in Russia. It compares favorably with many competitors in its versatility, serving both individuals and legal entities with equal success. The service of deposit savings is especially popular as the most reliable way not only to save money, but also to increase it. For companies, there are unique and advantageous offers for cash deposits. Let's consider them in more detail.

Popular deposits for legal entities in Sberbank

PJSC "Sberbank" offers legal entities three options for deposit products, each of which is additionally divided into two types according to the design option. Depending on the needs of the enterprise, any of them can be beneficial. When choosing a deposit, it is necessary to focus not only on interest rates, but also on other conditions. For example: the term of placement, the ability to withdraw money ahead of time or replenish the account, and so on.

Classical

This deposit product provides maximum profit. Suitable for all companies that are ready to put money in and not withdraw it until the expiration date. The agreement does not imply the possibility of replenishing the deposit, which must also be taken into account.

• The deposit can be placed in US dollars, euros and, of course, in rubles.
• There are no restrictions on the minimum amount (from 1 ruble), and the upper limit is limited to 10 million $ or €. In rubles, the maximum contribution should not exceed 100 million.
• The term of the deposit can be from 7 days to 3 years, depending on the agreements reached.

Classic online

The second option of the same deposit, with absolutely similar conditions, but a higher interest rate. Compared to the usual deposit "Classic", in "Classic Online" the percentage of income is multiplied by 1.07. Thanks to this, this deposit product is considered the most profitable for Sberbank. But it is not available to everyone. Only companies that are already serviced remotely by this financial institution can open such accounts. Everyone else needs to visit the department, choosing the usual "Classic".

Replenished

This type of deposit, as the name suggests, offers customers the option to fund their account. On the additionally deposited amounts, the same percentage is charged as on the main body of the deposit placed at the time of opening the account.

• Sberbank allows you to draw up such deposits in rubles, euros and US dollars.
• There is a limit on the maximum amount for rubles: up to 100 million. Deposits in other currencies cannot exceed 10 million.
• The “Replenishing” deposit is opened for a minimum of 1 month and a maximum of 1 year.

Online top-up

As in the case of "Classic Online", this deposit option differs from its "original" only by the increased interest rate by 1.07. The rest of the conditions are similar. It is available only to customers who work with the bank remotely. If they decide to issue a deposit agreement at the branch, then the usual "Replenishing" deposit will be offered, and not its online version.

Recallable

This option of the deposit product allows for the possibility of early termination of the agreement and transfer of all funds to the current account. The best option for storing funds in case the amount may be needed at any time.

• Currency: rubles, euros, US dollars.
• Amount restrictions: no more than 100 million rubles and no more than 10 million dollars or euros.
• Validity: 1-12 months.

Online revocable

A more profitable option available only to customers who work with the bank remotely. When a representative of a legal entity visits a branch in person, it is impossible to open such a deposit. Bonus: an increase in the interest rate by 1.07. For example, with a standard percentage of 5%, the online version will give a profit of 5 * 1.07 = 5.35% per annum.

Terms of deposits for legal entities from Sberbank

Unlike deposits of individuals, when working with companies, all banks, including Sberbank, prefer to use an individual approach, choosing the most suitable conditions. This can relate to both the interest rate and the validity period, terms of placement and many other features. That is, nothing is rigidly fixed and can be changed by agreement with the bank.

But there are also conditions common to all, which practically never change. Interest on deposits begins to accrue from the next day, after the funds are credited to the account. The accrual ends exactly on the day the deposit is returned. If you need to calculate the amount for the entire year, a period of 365 or 366 days is taken into account, in accordance with the number of days in the calendar.

If the deposit assumes the possibility of early closing, all amounts due for payment (not counting the "body" of the deposit) are subject to recalculation at the lowest possible rate. For rubles it is 0.1%, for currency - 0.01%. The payment is made on the last day of the contract, immediately after the accrual. If this day falls on weekends or holidays, settlements are made on the next nearest business day. When the contract is closed, the entire amount, together with accrued interest, is transferred to the current account. In addition, by agreement of the parties, the contribution can be prolonged. This operation is performed 1 day before the expiration of the contract. For example, if the deposit ends on the 20th (and then it must be returned to the client's account), the prolongation will take place on the 19th. As a result, if it is no longer necessary, it is recommended to notify the bank about your desire to close the agreement in advance.

General conditions of accommodation

The conditions for placing new deposits are somewhat different from each other depending on the chosen option, the usual or its online version. Let's consider both cases.

For ordinary deposits of legal entities:

• You need to provide a completed "Application for accession". This can be done both directly at the department and in advance in electronic form. You can find the document form on the Sberbank website in the section of deposits. The application is standard, but it is better to download it directly for the deposit option that is supposed to be opened. Under any product below the description there will be an item "Order of placement", where there is a link to this document.
• After submitting the Application, the bank draws up a deposit agreement in accordance with the negotiated conditions, current tariffs, regulatory documents, and so on.
• If the client is served in the same structural unit of Sberbank, simultaneously with the signing of the agreement, you can fill out an application for the transfer of funds. The bank will independently withdraw money from the current account and transfer it to a deposit.

For online versions of deposits, the same conditions remain, but a personal visit by a representative of the company to the branch is not required. Everything is done remotely, including registration, signing and filing of an application.

What documents are needed?

It is impossible to start the procedure for opening a deposit account without first submitting all the necessary documents. An exception is made for those companies that are already serviced by Sberbank. In this case, all the necessary package of securities is already there, and it remains only to open a deposit by transferring money. All others must provide the following set of documents:

• Certificate of state company registration. It is provided in the form No. Р51003. If the legal entity was created before 07/01/2002, a Certificate of entry into the Unified State will be required. register (form No. Р57001). Both certified copies and originals will be required.
• Information about the client in the form of a bank that meets the requirements of the Federal Law No. 115 dated 07.08.2001. In this case, we are talking about combating money laundering.
• Tax registration documents (original).
• All papers confirming the powers of the body of the company responsible for opening a deposit account.
• The decision of the founders, the board of directors or any other authorized body regarding the registration of the contribution (if required).

If a deposit needs to be opened by a non-resident legal entity, then, in addition to everything specified, it will additionally be required:

• Confirmation of the status of the company in accordance with the legislation of the country where the legal entity is registered.
• Constituent documents.
• All registration papers.
• Documents indicating that the company is indeed permanently located in another country. These papers will need to be translated into Russian. They must be provided every year.
• Permit for the right to carry out activities (if required).
• Regulations on the subdivision (branch, department, representative office) in Russia.
• Confirmation of the authority of the director / head of the unit.
• Certificate of registration in the register of foreign companies.
• Tax registration documents (notarized).

Interest rates for raising funds

Any business is primarily focused on making a profit. If free funds cannot be put into circulation or spent in another way, increasing income, they must bring money at least in the form of a deposit. Because of this, the interest rate is given special attention. As already mentioned, the bank prefers an individual approach and regularly changes interest rates, bringing them to the optimal form for both itself and companies. As of October 2017, Sberbank offered the following conditions of profitability:

• Classic - from 5.08 to 6.21%.
• Refillable - from 4.32 to 5.25%.
• Withdrawn - 4.07 to 4.95%.

The size of the interest rate is strongly influenced by the size of the amount transferred to the deposit, the term of the deposit, the possibilities of replenishment or early withdrawal provided to the client, as well as other conditions agreed on an individual basis.

For example:

• Deposit "Classic". The maximum interest rate of 6.21% can be obtained only if the amount is placed at least 30 million rubles for a period of 1 year.
• Deposit "Replenishing". The maximum rate of 5.25% is possible when placing 30 million rubles for 1 year.
• Revocable contribution. The 4.95% rate is available only to those companies that are ready to invest their funds in the same amount and for the same period as in previous cases (30 million for 1 year).

As you can see, a high rate is allowed only when placing a large amount for a long period. In any other case, it will gradually decrease to the lower limit.

For example:

• Deposit "Classic". The minimum rate of 5.08% does not imply a limit on the amount (but not less than 1 ruble), and the term can be as little as 1 month.
• Deposit "Replenishing". The rate of 4.32% is offered on the same terms (from 1 ruble and for 1 month).
• Revocable contribution. The rate of 4.07% assumes no restrictions on the amount and a period of only 1 month.

Recall that the maximum interest rate assumes remote registration of a deposit. Otherwise, you can immediately reduce the rate by 1.07.

Is early withdrawal possible?

All deposits can be conditionally divided into term deposits, which are issued for 1-3 months or half a year, and long-term deposits - from half a year or more. If it is necessary to "overexpose" the money for a certain period, it is better to plan everything in advance so as not to touch them until the end of the deposit agreement. If, for some reason, this is not possible, you should choose the "Revocable" deposit. This is the only deposit product of Sberbank, which allows the possibility of terminating the contract ahead of time by taking money. To do this, you must provide the bank with an application for termination at least 3 days before the date of early repayment of funds. This can be done no earlier than 7 days after the start of the contract. For example, the contract came into effect on 03/01/2017. You can break it already on 03/08/2017, but for this on 03/05/2017 you must provide a corresponding statement in the form of a bank.

A deposit for legal entities means a certain amount of money placed by an enterprise or organization for storage in a banking institution.

Unlike the situation with individuals, when all the nuances are known and clearly spelled out in advance, the terms of the contract with the legal entity. persons concerning the accrual of interest, the rules for replenishment and withdrawal are discussed on an individual basis.

General situation

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Opening a bank account is necessary for an enterprise, first of all, for the convenience of settlements. At the same time, making a deposit makes it possible to receive a certain income for the money that is not involved in circulation, that is, it is free.

The size of the interest rate on deposits for legal entities can vary greatly depending on their type (demand, urgent), the size of the amount and the duration of storage, as well as on the conditions offered by a particular banking institution.

As a rule, more attractive interest rates can be obtained from large credit institutions, while small regional banks are usually limited to 2.5-4 percent annual

The main nuances of the concept

If an entrepreneur or a company has free funds at a certain moment, they usually try to keep them not just in a current account, but to transfer them to a deposit. Moreover, in most cases this is done in the same bank that was chosen for the main service.

This is due to the following reasons:

• the possibility of obtaining additional income from those funds that would be dead weight on the current account;
• no need to re-collect the package of documents, just one application is enough;
• saving on commissions for transfers from one account to another, since all transactions are carried out within one bank;
• the possibility of obtaining more favorable conditions, since the bank management is traditionally more loyal to the clients already served in this institution.

Peculiarities

A characteristic feature of deposits for legal entities. persons and their most pronounced difference from proposals for ordinary citizens is the absence of rigidly prescribed and uniform interest rates.

Everything is decided individually through negotiations and depends on many nuances. However, in most cases, the profitability of such deposits is somewhat inferior to deposits opened by individuals.

Another important feature is the nuances of taxation. If deposits of the population, as a rule, are not taxable, then organizations from the income from the deposit have to transfer a certain part to the state treasury.

When opening or closing an account, legal entities are obliged to notify the fiscal authorities about this. However, this rule does not apply to the deposit.

At the same time, local tax authorities may interpret this situation in their own way, therefore, before opening a deposit, it is still better to play it safe and clarify the need to notify the relevant authorities about this.

It is also worth considering that deposits for legal entities. persons do not fall, in contrast to the deposits of citizens, under compulsory state insurance.

In this regard, one should be extremely responsible in the choice of credit institutions, giving preference to the most reliable and stable ones. If you have any fears, it is advisable to take care of the open deposit insurance on your own.

General conditions for holding funds

All enterprises have one or more settlement, current or budget accounts opened in a particular banking institution for storing funds and carrying out certain operations with them.

At the same time, an agreement is concluded with the bank, according to which it provides the following services for a certain fee:

• accepts and credits to the account funds received from outside;
• fulfills the instructions of the account holder regarding transactions;
• issues the requested amount of funds from the account.

However, it is important to note that the company does not receive any income from the money stored in such accounts. Therefore, if there is a certain amount of free funds, it is advisable to sign a deposit agreement with the bathhouse and transfer the money to a new account.

It is important to remember that the funds held in the deposit cannot be transferred by the company to other persons.

Classification of types of deposits for legal entities

Other reservations services

Available operations

The deposit account does not imply the possibility of the transfer of the deposited funds to other persons by the legal entity that opened it.

It is not allowed to use a deposit account as an additional settlement account, to carry out an operation out of order, to accumulate funds that do not belong to the company with their further use in the implementation of any transactions.

The bank should not interfere with the spending of funds stored in the account, if this does not violate the terms of the agreement

Important points

The opening of a deposit by a legal entity implies that it has free funds that are not involved in circulation.

To deposit money on a deposit, a company must have statutory and other documents proving the existence and functioning of a legal entity. After providing a full package of documents to the bank, an agreement is signed and a deposit is actually opened.

At the same time, even if a legal entity is already served in this bank, a new, separate account is still opened for the deposit.

There can be several such deposit accounts, which is convenient in case you suddenly need to withdraw a certain amount of money ahead of schedule. In this case, interest will not be lost from the entire amount, but only from its part.

Possible problems

When conducting deposit operations, the following types of violations may occur:

• there are no internal documents defining the rules for conducting these operations;
• the bank deposit agreement does not contain accurate data on the amount deposited, interest rate, deposit term, or there are some conditions that contradict the legislation in the banking sector and the regulations of the Central Bank;
• funds for deposits are attracted despite restrictions or prohibitions on conducting deposit operations;
• the timing of accounting for the funds on the balance sheet accounts do not meet the terms specified in the agreement;
• upon the expiration of the agreement, the balance of the deposit account is not transferred to the demand account, provided that automatic prolongation is not provided, and there is no additional agreement;
• with the depositor's personal account there is no deposit agreement;
• interest on the deposit is calculated incorrectly or out of time;
• funds to the deposit account of legal entities are deposited or withdrawn from it in the form of cash.

Deposit products, designed specifically for legal entities, provide for the transfer of funds or securities to a financial institution for safekeeping. Such programs are issued to separate accounts and the funds from them cannot be spent on the current needs of a commercial organization.

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Conditions

When opening a deposit between representatives of small, large and medium-sized businesses and banking organizations, appropriate agreements are concluded, which can be of two types:

1. Are concluded for term deposits.
2. Poste restante.

Legal entities must provide the financial institution with a complete package of documentation, which is completed with a large number of certificates.

Before contacting your bank, where commercial activities are serviced, you must familiarize yourself with all the existing offers of other financial institutions.

How to open?

Currently, the following types of deposit products are available for representatives of small, large and medium-sized businesses:

1. Open. These programs are issued at certain interest rates and can be either indefinite or operate for a certain period of time.
2. Cells. This type of deposits allows legal entities and individual entrepreneurs to transfer to banking organizations for safekeeping, both money and securities, precious metals.
3. Closed. This type of deposits provides for the transfer of a certain amount of company funds to a financial institution for safekeeping. During the agreed period, they are kept in sealed and sealed containers.

To open a deposit product, representatives of small, large and medium-sized businesses need to collect certain documentation and have a large amount of funds available (not lower than the minimum set by the bank).

An agreement is concluded between the parties and the assets are transferred to the banking organization for temporary disposal.

Bank deposits for legal entities

Today, many Russian banks and private financial institutions offer a large number of deposit products for small, medium and large businesses.

They can be opened for a short or long term, rather high interest rates and flexible conditions are set for them.

Interest rates

Unlike deposits intended for individuals, deposit products for Russian businesses may have floating rates.

Their value can fluctuate in a deep range, since it directly depends on the agreements that will be reached between the management of a financial institution and the management of a commercial company.

Of all the deposit products on the domestic market, the most profitable are those for which replenishment is provided.

Requirements for depositors

Russian banking organizations willingly cooperate with representatives of small, large and medium-sized businesses, as they belong to the category of the most profitable depositors.

There are no strict requirements for them, especially if they are already regular customers before the opening of deposits. In this case, the documentation package will consist of a minimum number of references.

List of documents

For new depositors, financial institutions have developed a fairly extensive list of documents that they need to provide to open a deposit program (in addition to the application of the sample established by the bank):

• certified copies of the statutory documentation (you need to take the originals with you to sign the contract);

• copies of documents certifying the state registration of a potential investor as a business entity (must be notarized);

• if no amendments were made to the statutory documentation in the course of economic activity by a legal entity, then this fact must be confirmed in writing;
• copies (as well as originals) of documents certifying the registration of a business entity with regulatory authorities as a tax payer;

• a letter from the State Statistics Committee confirming the registration in the USRPO of a representative of a small, large or medium-sized business (if only a copy is provided, then it must be previously certified by a notary);

• documents of the head of a commercial company (individual entrepreneur);
• if these activities are entrusted to an authorized person, then, in addition to the power of attorney, he must provide copies and originals of his identity documents;
• cards certifying the signatures of all persons who will have access to the deposit, etc.

Can funds be withdrawn early?

Today, many Russian banks allow legal entity depositors to withdraw their funds from deposits ahead of schedule.

At the same time, representatives of small, large and medium-sized businesses should clearly understand that they will have to lose a fairly large part of passive income.

This is due to the fact that the financial institution will calculate interest for the actual time the money is on the deposit at specially developed rates.

How to close a deposit?

To close the deposit program in Russian financial organizations, legal entities need to contact the branch in which the corresponding agreement was signed.

You should have identity documents with you, as well as all deposit documentation. If, when opening a deposit, a representative of a commercial organization was issued a plastic card, then it will need to be returned to the bank.

The financial institution manager will check the entire package of documents and invite the client to fill out an application. Based on this document, the deposit will be closed and all related services will be disabled.

And if you are interested in a cash loan to legal entities, then you need to read the following.

Advantages and disadvantages

Deposit products that financial institutions develop specifically for small, medium and large businesses have a lot of advantages.

In addition to the fact that individual entrepreneurs and commercial companies will be able to receive a decent passive income, they will benefit from cooperation with the bank the following advantages:

• deposit programs are open for both short and long term (some products may be unlimited);

• if a deposit is made out in a banking organization that provides services to a legal entity, then the package of documentation is reduced several times;

• rather high interest rates are set for fixed-term deposit products;
• individual entrepreneurs, as well as commercial organizations can early terminate (unilaterally) agreements with financial institutions;
• if legal entities (this also applies to individual entrepreneurs) issue a certificate of deposit with a financial institution, then they will not need to notify the regulatory authorities about the fact of opening a deposit program.

Deposit - placing money in bank accounts to make a profit in the form of interest. This service is provided by almost all banks in Russia, but they work mainly with individuals. Deposits for legal entities have their own characteristics and require additional authorizing documents from the bank. Let's consider the main parameters of such a service.

Deposits for legal entities are divided into two types: urgent and non-urgent("poste restante"). The first group assumes that the invested money must be claimed within a specific period, and the second - an indefinite placement. Perpetual deposits are distinguished by increased manageability: the account holder can freely and unlimitedly add money to the account, withdraw funds partially, etc.

Deposits for legal entities are less common with banks than deposits of individuals

In general, the following trends can be traced for the deposits under consideration:

• the higher the account management capabilities, the lower the percentage of the deposit. And, on the contrary, deposits that cannot be replenished, partially withdrawn and issued for a short period of 90 to 182 days have a maximum percentage;
• rates may vary even within the same program. On average, 6.4% per annum is offered in Russia today. There are more profitable programs - 7-8%, but in order to issue such a product, you must initially place a large amount on the account (from 200 thousand rubles and above). Replenishment of such deposits is impossible;
• capitalization of interest assumes that the interest accrued for the period on the deposit (month, quarter) is automatically added to the amount of the deposit, thereby increasing it. In the next period, the rate will be applied to the increased amount;
• for most deposits it is possible to extend the contract - prolongation for the same period. It can be automatic or manual. In this case, the number of extensions of the term of the contract may be limited. If the prolongation is automatic, then there is no need to visit the bank, and if it is manual, then the day before the visit to the bank, specialists will warn the client about the need to close the deposit or prolong it.

Demand deposits can be opened in euros, US dollars and rubles. The rate will be 0.01-0.1% per annum. It is small enough, but the possibilities of working with the account are endless. This service is suitable for those who want to keep their funds, and not keep them at home. Also, a deposit is often used to save money for a couple of days before transactions, etc.

Thus, deposits for legal entities are not a standard operation. They are similar to standard deposits, but tend to involve large initial amounts and rates.

Features of deposits for legal entities

Based on the above trends, we can highlight the features of deposits for legal entities:

• increased rate;
• large amounts of the initial payment of 1-10 million rubles;
• a large package of documents;
• long-term registration.

Before you put funds in a particular bank, you need to clarify the nuances of working with legal entities, rates, the availability of capitalization of account management capabilities.

There are several programs with different conditions for placing funds on the deposit.

Where can I open a deposit to a legal entity

Placement of a deposit for legal entities is possible in a number of large banks in Russia:

• Sberbank;
• VTB 24;
• Alfa Bank, etc.

Let's consider the terms of cooperation with each bank in more detail.

Sberbank

Sberbank has a high-quality service system for legal entities. In this bank, this category of customers does not stand in queues, but is invited to a specific time to meet with a specialist. Sberbank has a lot of accounts that belong to legal entities of various sizes. For this reason, the bank offers several program options:

• classic deposit;
• placement of money for individual entrepreneurs;
• deposit "On demand" for all categories of clients.

Conditions of a classic deposit for legal entities:

• maximum amount - 100 million rubles;
• terms - with a "step" of 7 days to three years;
• rate - from 5.24%.

Unlike standard banking programs for individuals, programs for legal entities are more variable. In other words, a representative of a legal entity can choose the main parameters independently.

Individual entrepreneurs have some limitations. So, the interest rate starts from 4.7% and depends on the above factors. When registering, you can choose a replenished deposit, since, unlike deposits for legal entities, the rate for individual entrepreneurs will change slightly.

A feature of deposits for legal entities and individual entrepreneurs is that they can be withdrawn only after 7 days from the term of the contract. In this case, the bank must be notified in writing no later than 3 days before the expected withdrawal of money from the cash desk. The amounts on the deposits in question are most often large, so the bank must prepare the money for issuance.

The Sberbank website has a deposit payout calculator. You can enter the required conditions into it and the system will calculate the possible income. You can also open a deposit there on the site. The bank offers a higher interest rate if the deposit is open online.

When opening deposits online, some banks increase the percentage of payments

Alfa Bank

Alfa-Bank is a fairly old player in the banking sector. Today it offers a wide and profitable range of services for clients.

Let's present proposals for deposits:

• multicurrency;
• indexable.

The first option involves opening a multicurrency account. Funds are deposited in the cashier in rubles and are converted into currency at the exchange rate. It is worth noting that it is possible to withdraw funds within the terms established by the agreement in any currency that will have a favorable exchange rate on the date of closing the deposit agreement. Mainly suitable for those clients who are well versed in the banking economy.

The second option does not involve conversion, but it is possible to establish a system of indices that are applied to the accrued interest. The question of the benefits of this or that option is controversial, since the economic situation is unstable.

Among the parameters of deposits from Alfabank:

• terms of deposits - 1 week - 3 years;
• amount - at least 1 million rubles (or conversion in foreign currency);
• rates - individual, from 4.9% per annum.

Alfabank carries out a great deal of individual work with clients. Especially encouraging regular contributors.

VTB 24

The bank has presented a unified program for legal entities - "Term" deposit. The conditions are such that clients can receive income on a monthly basis. The deposit has a multi-currency account and funds can be deposited and withdrawn in any valid currency.

The maximum rate is 7.1% per annum when opening a deposit online. The minimum amount is 100 thousand rubles. (increased rate if more than 200 thousand rubles are deposited).

The profitability of each client's account at VTB24 is highly individual, since the rate depends on many factors.

Before choosing which bank to place a deposit in, you should carefully study all the conditions

Algorithm of registration

The procedure for opening a deposit is as follows:

• choose a way to open a deposit: in person or online;
• submit an application specifying the passport details;
• sign an agreement and deposit funds.

The amount can be transferred to the bank by transferring from the current account, depositing it at the bank's cash desk. Interest for such an operation is not charged, in addition, at the cash desk of legal entities on deposits are served out of turn.

To submit an application, you need to collect a large package of documents, including all documents for a legal entity, statistics codes, state registers, etc.

Taxation of deposits for legal entities

Interest on deposits refers to the income of a legal entity, which means it is a taxable base. Tax rates for legal entities and individuals are the same. They depend on the refinancing rate.

The calculation of the amount for payment is made as follows: the refinancing rate is deducted from the deposit rate, and tax is charged on the remaining interest. So, if refinancing is 4%, and the deposit rate is 7%, then the taxable base will be the difference, that is, 3%.

Of course, the account holder does not need to run around with declarations: the bank pays taxes, and the depositor at the end of the term simply receives a reduced amount.

Thus, deposits for legal entities are the most reliable option for placing and increasing funds. Of course, the method is not the most reliable, but it is under the protection of the state.

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