How to open a current account in Raiffeisenbank for individual entrepreneurs and LLCs. Raiffeisenbank RKO: tariffs for individual entrepreneurs and legal entities Terms of settlement and cash services at Raiffeisen Bank

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:

1. On www.raiffeisen.ru, select the RKO section and click Open account;
2. 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;
3. You can order a call for additional consultation, a specialist will contact you within 10 minutes;
4. 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;
5. 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:

1. For individual entrepreneurs:

• Statement;
• A copy of the entrepreneur's passport;
• Extract from the Unified State Register of Individual Entrepreneurs.

1. 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.

1. 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):

1. For beginners – Start – 990 ₽/month;
2. Basic – 1900 ₽/month;
3. Optimum – 2900 ₽/month;
4. 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.

The financial and credit organization Raiffeisenbank provides support to small, medium and large businesses, providing its services for settlement and cash services in any area where there are bank branches. Raiffeisenbank RCO is a set of services whose task is to provide high-quality customer service and maintain their accounts.

RKO terms

Cash settlement services are a collection of various services. The client has the right to independently choose the necessary services from the proposed list or connect to a package that allows saving financial and time resources. The RKO complex includes the following operations:

• Opening and booking current accounts.
• Collection. Can be held every day according to a specific schedule or by prior request. Collection services consist of delivery of proceeds to the bank, recalculation and transfer of money to the current account before noon of the next business day Moscow time, delivery of small bills and small change coins, delivery of money by check.
• Issue of corporate cards. The presence of such cards makes it possible to prevent employees from using company funds for personal purposes. With a corporate card you can reduce paperwork and additional costs.
• Remote maintenance.
• Currency and currency exchange transactions. It's fast and convenient for any business project.

In addition, all equipment necessary for work is installed free of charge. Technical support is available every day 24 hours a day. We accept cards from all payment systems. All these are excellent conditions for Raiffeisenbank cash settlement services for legal entities.

One of the main advantages is the ability to open an account in Russian rubles and other convenient currencies. There is access to any cash transactions, financial transactions in Russian rubles, collection and transportation of funds and valuable cargo. The client also has access to a package of services with a certain set of operations that will be useful when implementing new business ideas. In addition, Raiffeisenbank's cash settlement system is suitable for an LLC.

Tariffs for the provision of settlement services

Tariffs for Raiffeisenbank cash settlement services are provided in such a way that every client can find a convenient option for running their business. Among them:

These Raiffeisenbank cash settlement tariffs for legal entities are relevant for clients from Moscow and St. Petersburg. In other areas prices are lower. From the first day of spring 2017, a new tariff plan came into force, where some data was changed. It is worth noting that there is no commission for account transactions if the amount of transactions does not exceed the limit on the tariff. By the way, tariffs can be changed an unlimited number of times and switch from one to another at any time. The amount of switching to another tariff plan is 1000 rubles.

Important!

Raiffeisenbank's cash settlement system for individual entrepreneurs is a guaranteed high-quality and comprehensive service together with the timely execution of any financial transactions. To make service as comfortable as possible for customers, employees made it remote. Now you can receive the required data or documents without leaving your home or office. RKO at Raiffeisenbank receives rave reviews from clients, which is well deserved.

Raiffeisen Bank has been operating in the Russian market since 1996. During this time, he managed to prove himself as a reliable provider of banking services. And favorable service conditions further attract not only individuals, but also small businesses. Depending on the size of the company, revenue turnover and volume of operations, an entrepreneur or organization can apply to Raiffeisenbank under one of 4 tariff plans. But first it is worth studying all the conditions of cash settlement services (CSS) in this institution.

The need to open a current account in a reliable bank

Representatives of small businesses sooner or later are faced with the need to open a current account (for legal entities this procedure is completely mandatory, while individual entrepreneurs open a bank account at will - it all depends on the specifics of the business). – a difficult task for many businessmen. It is worth stopping at large banks that have proven themselves on the positive side and have a high level of reliability.

What are the risks of opening an account in a new, untested, unreliable bank? For example, hidden commissions that no one will warn you about in advance. If the bank suddenly goes bankrupt or loses its license, then you can completely lose your savings in your accounts. Therefore, first of all, it is the reliability of the financial institution that needs to be assessed. Raiffeisenbank is one of these. This bank has different tariff lines, discounts and promotions for customers, a wide range of services, convenient mobile and Internet banking.

Advantages of cash settlement services at Raiffeisenbank

Many business representatives open a current account with Raiffeisenbank due to the many advantages:

• comprehensive provision of services (not only standard cash settlement services, but also favorable conditions for deposits and lending);
• a variety of corporate cards and favorable conditions for their service;
• free account opening;
• a large selection of tariffs (and the grids differ for large cities and other regions);
• the ability to reserve an account in 5 minutes and receive details immediately;
• a full range of remote banking services (SMS information, Raiffeisen Business mobile bank, RBO Internet bank, ELBRUS bank-client service);
• the presence of active discounts and promotions, additional bonuses (money for advertising, gift certificates for accounting services, etc.).

Conditions for opening a current account with Raiffeisenbank

To connect to settlement and cash services at Raiffeisenbank, an entrepreneur or organization must:

1. Study the bank's tariff schedule in detail. For beginning businessmen, opening an account under the “Start” or “Basic” plan will be quite enough. Larger entrepreneurs may benefit from other tariffs.
2. Leave a request to open an account. You can do this directly on our website by ordering a call back from a specialist.
3. Wait for a call from a bank employee. He can ask additional questions and give advice.
4. If the client agrees, an account is reserved for him (details are sent that can be transferred to partners and counterparties immediately for payment transactions).
5. Arrange a meeting with a bank specialist.

Afterwards, all that remains is to prepare the required package of documents and hand them over to the manager during the visit.

Required documents

To open a current account with Raiffeisenbank, both an individual entrepreneur and an LLC need to provide a certain package of documents. The list of them will be slightly different, including due to differences in registration and business conduct.

For individual entrepreneurs

To open a current account with Raiffeisenbank, an individual entrepreneur must provide the following documents:

• an application to open an account (must be endorsed by the entrepreneur’s signature, only if it is available);
• identification of the individual entrepreneur himself and his authorized persons (for Russians, a passport and registration information is sufficient; for foreigners, additional papers are required that would confirm the fact of their legal presence on the territory of the Russian Federation, for example, a residence permit, migration card or visa);
• card with sample signatures (if more than two people have the right to sign payment documents, an additional application in two copies will be required);
• confirming the right to conduct activities, if the type of chosen business requires it (for example, licenses, permits, patents, certificates).

If the interests of the individual entrepreneur are represented by a trustee, then he must provide the bank with a notarized power of attorney. Additionally, other documents may be requested when opening a current account by a private entrepreneur (extract from the Unified State Register of Individual Entrepreneurs, certificate of registration with Rosstat, etc.).

For LLC

For legal entities, an expanded package of documents is provided that are required to open a current account with Raiffeisenbank. This includes:

• application on the bank form to open an account;
• Articles of association;
• identity documents of all persons authorized to sign settlement papers (original passports or notarized copies);
• card with sample signatures and seal imprint (+ additional statement if more than 2 people have the right to sign);
• papers indicating the authority of the president, general director or other sole executive body (can be specified in the charter, minutes of the meeting/meeting and other documents);
• documents confirming the authority of persons from the CoP (orders or administrative acts on appointment to a position, powers of attorney);
• list of LLC participants or an extract from it;
• licenses and other permits, if they are necessary to conduct the organization’s activities.

The Bank reserves the right to request additional documents (extract from the Unified State Register of Legal Entities, certificate of registration with Rosstat and others).

RKO tariffs Raiffeisen

For small businesses, Raiffeisenbank has developed a product line for servicing cash settlement services consisting of 4 tariffs - “Start”, “Basic”, “Optimum” and “Maximum”. All of them imply the following services included in the price:

• opening an account;
• Internet banking access;
• issuance of Business 24/7 cards “Basic” and “Optimal”;
• transfer of wages and other payments according to the statement.

The basic terms of service at the available tariffs look like this:

If necessary, you can switch to another tariff by paying the bank 1,000 rubles one-time.

Additionally, Raiffeisenbank offers its clients to save on current account maintenance by paying for the service 1 or 2 years in advance. In this case, 3 or 6 months of using the account are provided to individual entrepreneurs and LLCs free of charge.

Until December 31, 2019, there is a promotion that allows you to get 1 month of free service for your account. To do this, you need to bring a friend for corporate service. You can activate the bonus by entering information about yourself and your friend in a special application:

Both the friend and the Raiffeisenbank client who brought him receive a bonus in the form of free service.

Settlement and cash services

A significant advantage of Raiffeisenbank is the provision of comprehensive services for settlement and cash services within the framework of selected tariff plans. A wide range of operations is available for individual entrepreneurs and LLCs:

• free issuance of corporate cards and their servicing on favorable terms;
• trade and internet acquiring;
• salary project;
• currency control;
• collection services;
• deposits.

Read also: Current account for LLC in 2019

For representatives of small businesses, other services are provided on favorable terms - loans, overdrafts, bank guarantees and letters of credit.

Corporate cards

Raiffeisenbank clients who have opened an account have the opportunity to issue a card attached to the account free of charge. The program provides two types of cards:

1. "Business 24/7";
2. METRO Cash & Carry.

Both cards are issued free of charge if you have a bank account. The bank does not charge a commission for reissue upon expiration. If the card is reissued at the initiative of the owner, then you will have to pay 300 rubles for the operation. But you don’t need to pay extra for SMS notifications.

Regardless of the card type, the client has the opportunity to deposit cash into the account with a commission of 0.19% of the amount. The cards also provide for withdrawal of money - for this service you will have to pay a commission of 1.5% (but not less than 90 rubles) regardless of which bank the operation is carried out.

The cost of service includes delivery of the card - it can be picked up at a bank branch or received by courier.

Business 24/7

"Business 24/7" is a corporate card linked to the company's current account. It is perfect for depositing and withdrawing money and will help its owner save on these operations. Among the advantages can be noted:

• instant crediting of funds to the account;
• single commission for withdrawals from ATMs of any bank;
• Possibility of use 24 hours a day, seven days a week;
• payment for purchases online.

The cost of service and some other features of using the card depend on the type of product. There are 4 types in total:

METRO Cash & Carry

The METRO Cash & Carry card is an excellent payment instrument for those who often make purchases at retail outlets. It can be used in any store, and when paying for purchases in the Metro shopping center, the client is provided with additional discounts, with which you can save up to 25,000 rubles.

The cost of monthly service is 390 rubles. But if purchases are made at the METRO shopping center in an amount over 10,000 rubles per month, then the card is serviced free of charge. Additionally, you can get discounts in this retail chain:

• welcome– in the amount of 10,000 rubles when making purchases in the amount of 100,000 rubles per quarter;
• regular – up to 15,000 rubles, depending on the amount of purchases in the quarter (for example, having purchased goods in the METRO shopping center in the amount of 60,000 to 100,000 rubles, you can count on a discount of 2,600 rubles).

An additional advantage of the card is the ability to use credit funds to make purchases in the amount of 30,000 to 250,000 rubles. For 45 days, no interest is charged on the amount borrowed; after this period, 26% per annum will be charged on the amount of debt. The borrowed funds must be returned within 12 months from the date of purchase.

The “Business Travel 24/7” card is an excellent opportunity to reduce travel expenses, simplify payments and control over employees. It can be used to pay for business, travel and entertainment needs. By issuing such a card, an organization receives a number of advantages and bonuses:

• reduction of enterprise overhead costs;
• almost complete absence of risk of loss of funds;
• free SMS information;
• the ability to deposit funds to the card without commission;
• eliminating the possibility of fraudulent actions on the part of unscrupulous employees (fictitious checks, substitution of payment documents);
• receiving additional discounts under the discount program “Discounts for You!” ( for example, until August 31, 2018, you can book a car with a 10% discount inRentcars).

Servicing the card, regardless of the tariff plan, will cost 1,200 rubles per year. You can withdraw money from it at Raiffeisenbank ATMs with a commission of 1.2% or at ATMs and cash desks of other banks with a commission of 1.4% (but not less than 150 rubles).

Salary project

As part of the salary project, all employees of the organization receive personal plastic cards. Servicing salary transfer transactions will be free if you activate the “Salary” service package. Moreover, the money will be issued automatically when you provide a salary slip (statement) and transfer the required amount.

All 4 tariff plans imply that salaries will be transferred to employee cards free of charge - this service is already included in the price. You won’t have to pay for card servicing to your employees, even if the accounts are opened not in rubles, but in dollars or euros. Withdrawals from Raiffeisenbank ATMs are made without additional fees, and from third-party financial institutions - for 1% of the amount. But for SMS notifications, employees will have to pay 60 rubles per month.

Acquiring

Clients who enter into a settlement and cash service agreement with Raiffeisenbank have the opportunity to connect several types of acquiring at once:

• Internet acquiring;
• trade acquiring;
• mobile acquiring.

Each of them has its own characteristics and tariff rates, on the basis of which a commission is charged for making payments between the organization and clients.

Internet acquiring

Internet acquiring allows you to accept payments from customers online. An organization can connect to the system absolutely free. You don’t have to pay a fixed subscription fee either - Raiffeisenbank takes only a commission on turnover of 2.7%. Funds received through the Internet acquiring system are credited no later than 1 day from the date of payment.

To activate the service, it is not enough to have a current account with Raiffeisenbank; it is necessary that the site itself through which payments will be accepted meets the requirements of payment systems and has mandatory information (payment process, contact information, warranty obligations, conditions and return procedure).

It takes about 4 days to connect to Internet acquiring. The process itself looks like this:

1. opening an account (if you don’t already have one);
2. submitting an application to connect to Internet acquiring;
3. installation of templates for the site;
4. obtaining registration data;
5. adding a payment page to the site.

After which you will be able to accept online payments on your website 24 hours a day, 7 days a week.

Connecting to merchant acquiring allows you to accept payments from customers using special payment terminals at retail outlets. Raiffeisenbank offers its clients service at the “Standard +” tariff. Installation of equipment is carried out by specialists of the institution free of charge, and a symbolic fee of 1 ruble is charged for registering each terminal.

Raiffeisenbank terminals accept cards of the following payment systems:

• VISA;
• Master Card;
• American Express;

For each terminal per month, an amount from 0 to 1,990 rubles is charged, calculated using the following formula:

An additional fee of 1.79% of the payment amount is charged. Thus, the final size of the monthly commission consists of two indicators.

Trade acquiring allows clients to participate in the Raiffeisenbank discount program, which saves them money.

Mobile acquiring

When connecting to mobile acquiring, a single commission of 900 rubles is paid for the M-POS terminal (reader). The reader is capable of completely replacing a trading terminal. It can be used to read information from customer cards by connecting it to a mobile device.

The M-POS terminal is lightweight and small, making it convenient to use for accepting payments when moving frequently. But the reader is not able to read cards of all payment systems (only VISA and Master Card). Additionally, the bank charges a transaction fee of 2.7% of the total amount.

ZAO Raiffeisenbank is a Russian commercial bank with headquarters in Moscow and numerous branches in the regions. It is part of the international banking group Raiffeisen Bank Group, which has more than a century and a half history. This financial structure certainly values ​​its long-standing traditions, its reputation and image. She has been working in Russia since 1996. And special attention is paid here to interaction with small and medium-sized businesses.

Existing tariff plans and conditions

Opening a current account with Raiffeisenbank is a completely worthy solution for individual entrepreneurs and LLCs. On the official banking website this can be done in the shortest possible time, and the proposed tariffs can be called adequate and not burdensome.

It is allowed to maintain an account with Raiffeisenbank both in rubles and in foreign currency. It is also important that all transactions here are carried out as quickly as possible. And even if you want to open several accounts at once, payment will be charged as for one.

The following tariff plans are offered today for Russian legal entities and entrepreneurs:

• "Base";
• "Start";
• "Optimum";
• "Maximum".

Opening a current account with Raiffeisenbank for individual entrepreneurs using the “Start” tariff is worth it for those who have recently started their career as a businessman. The monthly payment here is only 990 rubles. And for a mobile bank (to connect you need the client’s will, if there is no need for the service, you don’t have to connect) an additional 190 rubles are charged. In addition, costs can be even lower if you pay in advance for a year or two years of service - this will cost 8,916 and 17,832 rubles, respectively.

Tariff "Basic" costs more - 1900 rubles per month. According to the terms of this tariff, an individual entrepreneur or LLC can make ten payments per month to its counterparties without commission. All subsequent payments will be charged 25 rubles. Internet banking and mobile banking are provided here free of charge - that is, included in the package.

Tariff "Optimum" costs 2490 rubles. This tariff also already includes Internet banking and mobile banking, as well as the “SMS for business” service. Here you can make 60 payments per month for free, all subsequent payments will cost 25 rubles.

Tariff "Maximum" costs 7,500 rubles per month. It has all the same advantages as Optimum. But at the same time, the limits are much higher - 300 payments per month can be made without any commission fees. In addition, 700 thousand rubles per month from a current account on the “Optimum” tariff can be transferred to individual cards.

So that clients can familiarize themselves in detail with each tariff, with prices and other details, a tariff book is posted on the official website of Raiffeisenbank www.raiffeisen.ru. And it should be taken into account that, in accordance with the current regulations, you can choose only one tariff plan for all accounts opened with Raiffeisenbank for the company. But, of course, if necessary, the client can apply at any time to switch from one tariff plan to another. You can do this any number of times. One such transition costs 1000 rubles.

It should be specifically noted that all prices given are prices that are relevant for clients from Moscow and Moscow Region. For clients working in other regions of Russia, service at the indicated tariffs may cost even slightly less - it is advisable to clarify this issue by calling a special regional hotline 88007009100.

Service package for central regions - Moscow and Moscow region, St. Petersburg

Service package for other regions

Documents required to open an account

The procedure for opening an account is quite simple. First of all, you need to fill out an electronic form on the portal of the Russian Raffeisenbank (the address was indicated above). The difference between an individual entrepreneur and an LLC in this case lies primarily in the set of necessary documents. To open a current account with Raffisenbank for an LLC, you will have to provide:

• application according to the bank form;
• LLC charter;
• card with samples of signatures and samples of seal;
• decision to appoint the client as the head of the legal entity;
• documentation confirming authority to sign;
• passports of the manager and other individuals who have the right to sign documents (if any);
• business license (for some types of business, as is known, licensing is required).

The list of required documents for individual entrepreneurs is much shorter. In this case, you only need to provide an extract from the Unified State Register of Individual Entrepreneurs, an application to open an account and a photocopy of the businessman’s passport.

Account opening algorithm

Submitting the documents listed above is not the very first step that will have to be taken to open an account with Raiffeisenbank for legal entities. First of all, you need to submit an application online on the bank’s portal. Filling out this application is not particularly difficult. But it is available only to individual entrepreneurs and LLCs with residency in the Russian Federation. Non-residents will have to use other methods.

The online application form contains the following fields:

• Full name of the contact person;
• e-mail;
• city;
• branch (here you need to indicate the most convenient branch of Raffeisenbank for yourself).

Having entered all the specified data, you should also check two boxes - one will confirm agreement with the terms of service, the other - agreement with the terms of processing of personal data.

After submitting an online application, a bank employee will call the potential client and advise on further actions. If the client expresses his consent during the dialogue, then an account will ultimately be reserved for him. The details of this account will be immediately sent to the client's email. By the way, an account with Raffeisenbank is reserved for a period of up to two weeks (before this period ends, an official agreement on cash settlement services must be concluded).

Next, the employee will offer to arrange a meeting. And here there are two options: either the client drives to the nearest bank office, or a bank representative with all the necessary documents will come to the client’s address.

Cash settlement services at Raiffeisenbank: services for business

The range of cash management services today includes:

• currency control;
• Internet banking;
• SMS information;
• collection;
• issuance of special corporate cards;
• salary projects;
• acquiring.

Each of the items on this list deserves a separate discussion.

Currency control and collection

Today, currency control over the operations of legal entities and individual entrepreneurs includes many important options. These include, for example, consulting support from the bank at all stages of the transaction. Assistance in the preparation of documents related to currency control, registration of transaction passports and support of transactions related to foreign economic activity - all this is also undertaken by the banking structure as part of this service.

In addition, if necessary, the bank can make recommendations on organizing the electronic exchange of documents between the client (individual entrepreneur or LLC) and the bank. The adoption of these recommendations will make it possible to strictly comply with the deadlines for the provision of documents established by legislation in the Russian Federation.

This banking organization also has its own collection service. Her responsibilities include delivering the client's proceeds to the bank, delivering small change coins and bills to the client, and delivering large amounts of cash by check. The client has the right to agree with the proposed collection schedule or propose his own. The client can also resort to collection services to transport all kinds of valuable cargo.

Corporate cards and salary projects

Among other things, special corporate cards are offered to clients who are on cash settlement services at Raiffeisenbank. This is a fairly reliable means of paying entertainment, business and travel expenses. At the same time, the business manager gets the opportunity to control and check his employees. This card will help protect against such tricks as providing fictitious receipts that do not correspond to real expenses after a business trip. And the risk of theft of issued money or robbery is also virtually approaching zero. In general, such a card simplifies advance and travel payments and reduces the amount of paperwork. In addition, when using it, you can get discounts from the bank’s partners - there is a bonus program.

The salary project from Raiffeisenbank also provides certain advantages and conveniences. One of the main advantages is that the service here is carried out in a comprehensive manner, taking into account all the details. For each full-time employee, a salary package is issued free of charge. And three additional “plastics” can be issued in addition to one main card. A high level of confidentiality is ensured for all payments under the project.

Money intended for payment of wages is transferred to its intended destination in one payment - this allows you to save money (no extra commissions) and time. And in general, the payment process is automated to the limit. And one more important point: for salary clients (employees of the serviced company), Raiffeisenbank offers more favorable loan conditions - they can be taken out at the lowest rates and without certificates confirming income.

Raiffeisenbank also offers certain bonuses for individual entrepreneurs and directors of LLC. All transactions related to the salary project are supervised by a personal manager. And the client can always contact him with any question. Managers can also be offered bonus cards, discounts and additional advantageous offers.

Mobile, merchant and online acquiring

First of all, it’s worth understanding the term “acquiring” itself and its varieties (not everyone may know, this is a relatively new phenomenon). In simple words, trade acquiring is the organization of the opportunity to sell goods at a specific outlet by bank transfer. In this case, the money from the buyer’s card is transferred to the acquiring bank’s account, and then to the organization’s account.

In order to organize the acceptance of non-cash payments, it is necessary to install special POS terminals to which the consumer will have to insert or tap the card. And mobile acquiring is the organization of a non-cash payment system in which the buyer is given the opportunity to pay for goods not even with a bank card, but simply with a smartphone with an application installed on it. And finally, online acquiring (Internet acquiring) refers to the payment method on the seller’s website using a bank card. In this case, the card itself is not presented to the seller; only its details are indicated.

For clients of individual entrepreneurs and LLC Raiffeisenbank is ready to provide all three types of acquiring. Moreover, all the necessary equipment is installed free of charge - it accepts cards from the largest international payment systems. If problems or failures occur, the seller can call technical support - it works around the clock.

Internet banking and SMS for business service

Raiffeisenbank has created its own Internet bank (Client Bank) for businessmen called Raiffeisen Business Online (RBO). It is compatible with all popular operating systems (Linux, Windows, Mac) and almost any browser. In RBO you can carry out ruble and foreign exchange transactions without fear for the safety of finances and financial data. Remote service in a specialized online service provides other advantages. In particular, here you can:

• send and receive statements in convenient formats;
• log in to your online account using a single login to manage all your accounts (even if they belong to different companies);
• sign payments with a regular SMS password without unnecessary red tape;
• make multiple payments at once.

And if you want to always keep your finger on the financial pulse of your organization, then you should also connect a useful service like “SMS for business”. With its help, it becomes easier than ever to control the accrual and debiting of funds from your company’s account, find out the status of payment orders, receive notifications about events in the RBO system, etc.