Application for opening an account form. Application for opening a bank account

27.02.2024

Banking services always begin with filling out an application; it is on the basis of the specified data that the bank makes a decision on cooperation with the client. If legal entities or individual entrepreneurs open a current account, then, first of all, you need to fill out an application for opening an account using the established form number 0401025, it is the same for all financial institutions.

As a rule, the client can fill out an application directly during a visit to the bank; some financial institutions allow you to fill it out online without leaving your home. Other credit organizations, for example, VTB Sberbank and Alfa Bank, post a link to download the file on their official websites; therefore, before going to the bank, you can fill out an application in advance, however, not everyone knows how to do it correctly. Therefore, we will analyze a sample of filling out an application.

Rules for filling out the form

As mentioned earlier, for each bank there is a standard application form for opening a bank account; therefore, the sample filling for each client will be the same. In the document, the applicant must indicate the following information:

Full name of the organization, for example, “Assorted limited liability company” or “individual entrepreneur Ivanov Ivan Ivanovich.”
The legal address of the organization at which it is registered, individual entrepreneurs can refuse their registration address.
The address of the office to which mail will be sent, including from the bank.
Contacts of the founder, all phone numbers, email address and other contact information.
Company details: TIN, KPP, OGRN and others.

Please note that in the text of the application you must indicate the currency of the account and the selected tariff must be secured with a personal signature and seal of the organization.

Accordingly, before contacting the bank, you can independently download an application for opening a bank account on the official website; an employee of the banking organization will be able to provide you with a sample to fill out, and will also assist you in filling out, if necessary. By the way, the application must be submitted in two copies, however, the second one is filled out by a bank employee based on the data you provided and with a note on the acceptance of the documents, as well as their inventory.

What documents need to be attached

Basically, banks independently determine a list of documents for clients and announce it in advance; however, let’s consider a list of all documents that are required from each applicant:

applicant's passport;
card with samples of signatures and seals;
tax registration certificate;
extract from the Unified State Register of individual entrepreneurs or legal entities;
license;
financial statements;
charter (for LLC);
agreement on the appointment of a director.

Please note that the list of documents may be adjusted for the applicant depending on the specifics of his activity.

An application to open a bank account is a strictly individual matter. Despite the fact that there is a standard form for all applicants, some banks significantly expand the list of questions for their clients in order to obtain maximum information about them. In any case, you can download the form, familiarize yourself with the contents of the questionnaire and prepare answers to the main questions. You can download a sample of filling out the document

It is no secret that current accounts are necessary for organizations to carry out non-cash transactions. The procedure for opening bank accounts is regulated by Bank of Russia Instruction No. 28-I dated September 14, 2006.

In accordance with this instruction, any bank account (whether current or on a deposit) can be opened only on the basis of an agreement concluded with the client and all necessary documents submitted by him to the bank, as determined by the legislation of the Russian Federation.

So, legal entities (LLC, CJSC, OJSC) to open a current account must provide the bank with the following package of required documents:

constituent documents;
certificate of registration of a legal entity;
certificate of registration with the tax authority;
a card with sample signatures and a seal imprint (form No. 0401026 according to OKUD);
documents confirming the authority of the persons indicated in the card to manage funds in the bank account (orders of appointment, powers of attorney, protocol (decision) or extract from it, etc.), as well as copies of passports of authorized persons;
application for opening a current account (form No. 0401025 according to OKUD). The application form is provided by the bank, since there is no standardized form.
Form of a legal entity. As in the case of an application, the application form is developed individually by each bank.

The above list is standard and minimally necessary. In some cases, determined by the internal regulations and instructions of the bank, the following documents may also be required from the client:

extract from the Register of shareholders of the company (for joint-stock companies);
a certificate (information letter) from statistical authorities on the assignment of codes according to all-Russian classifiers;
the bank also has the right to request licenses (permits) from the organization (which are issued to it for carrying out licensed activities), but only if these licenses are directly related to the client’s legal capacity to enter into a bank account agreement of the appropriate type;
if a current account for an organization is opened by a trusted person, it is necessary to provide the appropriate power of attorney authorizing him to carry out the necessary actions;
a document confirming the location of the management body at the actual address (certificate of ownership, lease agreement, sublease agreement, etc.).
other documents.

After the client submits all the necessary documents, the bank checks them and identifies the client in accordance with the legislation of the Russian Federation. Usually this process takes several days, after which the bank makes a decision whether to enter into an agreement with the client or not.

A current account is considered open from the moment the bank makes a corresponding entry in the open account registration book.

Who should I send notifications and messages to?

In accordance with the legislation of the Russian Federation, the fact of opening a current account by an organization or individual entrepreneur must be recorded in the tax authority (clause 2 of Article 23 of the Tax Code of the Russian Federation) at the place of registration of the legal entity or at the place of residence of the individual entrepreneur, and from January 1, 2010, if the organization or the individual entrepreneur is a payer of insurance premiums, also in the territorial branch of the Pension Fund and the Social Insurance Fund (subclause 1, clause 3, article 28 of the Federal Law of July 24, 2009 No. 212-FZ).

Obligation to notify the tax authority Opening a current account is the responsibility of both the bank and the taxpayer. According to the Tax Code of the Russian Federation, the bank must send a corresponding notification to the client’s tax office within five days from the date of account registration. In turn, the organization (or individual entrepreneur) is obliged to notify its tax office in writing within seven days (this period is recommended to be counted from the moment of signing the agreement with the bank) by sending a message about opening an account in form No. S-09-1.

Notification of control authorities regarding payment of insurance premiums is carried out by the payers of these contributions at their location no later than seven days from the date of opening the account, by submitting a written message in the established form.

Application for opening an account

For settlement and cash services, each legal entity opens a bank account. This is a fundamental point in the relationship between the bank and its client. In paragraph 1 of Art. 846 of the Civil Code of the Russian Federation states that a bank account is opened for a client on the basis of a bank account agreement.

To open an account, you must provide the following documents to the bank:

application for opening an account in form 0401025;
document on state registration of a legal entity in accordance with current legislation (notarized copy);
constituent documents (notarized copies);
certificate of registration with the tax authority (original copy);
card with sample signatures and seal impressions of form 0401026 (2 copies);
a document confirming the authority of officials to manage the account. This document is provided only in cases where the authorities of officials are not certified by a notary in the cards with sample signatures.

It should be noted that the Application for opening a current account is filled out by the client and signed by the manager and chief accountant. If there is no position of chief accountant, the application is signed ONLY by the head of the organization. The date the application was filled out is indicated. The signatures of officials and the seal on the client’s application for opening an account must correspond to the sample signatures and the seal imprint on the card with sample signatures.

The certificate of state registration of a legal entity is provided in the form of a notarized copy. Religious associations provide a certificate of registration issued by the Ministry of Justice of the Russian Federation or its bodies. The same applies to Trade Unions and their associations. Public associations, as well as bar associations, provide a certificate of state registration issued by the justice authorities of the relevant constituent entities of the Russian Federation.

The certificate of registration with the tax authority is provided to the bank in its original form. The bank makes a photocopy, it is certified by the employee who receives documents from the client to open a current account. It is acceptable to provide a notarized copy of the Certificate.

When filling out a card according to form 0401026, it indicates the persons who have the right of first and second signature. A sample signature of the manager must be included in the card.

The right of first signature belongs to the head of the enterprise, as well as to officials authorized to manage the account. The right of first signature cannot be granted to the chief accountant and other persons having the right of second signature.

The right of the second signature belongs to the chief accountant. If the company does not provide such a position or has a different name, then the client must make a note about this on the card. If the card does not contain the signature of the chief accountant or the person entrusted with the accounting functions, an order for the enterprise is submitted to the bank to assign accounting responsibilities to the manager personally or another person.

The card in form 0401026 MUST include a sample of the seal assigned to the legal entity or its separate structural divisions.

The complete package of documents is transferred to the bank's security service, which conducts an inspection, after which the legal service prepares a bank account agreement; standard forms of bank account agreements are usually used.

When the organizational and legal form of a legal entity changes or in connection with reorganization (merger, accession, division, separation, transformation), a new account is opened for the client with the submission to the bank of a full set of documents necessary to open an account.

When changing the name of a legal entity that is not caused by reorganization, as well as when changing the subordination of a branch or representative office, the bank is provided only with client statements notifying about the changes, documents confirming the registration of changes in the name of the enterprise and a new card with sample signatures and seal imprints. The client account number in this case may not change.

After opening a current account, any legal entity is required to provide the tax authority with a “Notification of opening (closing) of a bank account.”

In accordance with the current norms of Russian legislation, both individual entrepreneurs and legal entities must submit documents for verification to a bank representative office in order to open a new account for making payments. The main one is the statement, which acts as an appeal to the legal entity. person with a request to create an account for receiving and making payment transactions. The legislation establishes a single application form - it is drawn up in accordance with form 0401025.

You must apply to open an account at a pre-selected bank. Most often, the preparation of this document is carried out on the territory of the local representative office, and not in advance. Sometimes banking organizations offer their clients the opportunity to fill out an application online. Despite the availability of document drafting samples on the official websites of financial institutions, many people do not know how to write it correctly.

Features of filling out an application

Before starting the procedure, always remember that each bank offers an individual form of documents. If in some cases you have to draw up a written application from scratch, in others it is enough to put your own signature, and the manager-consultant will do the rest instead of the client.

How should an applicant fill out an application? As is the case with any other document, a header is first made, where all information about the future client is disclosed. This may include the following information:

full name of the company or individual entrepreneur;
address. For limited liability organizations, the address submitted to the Unified State Register of Legal Entities is indicated; individual entrepreneur – the address of current registration;
mailing address. Letters from the banking organization will arrive here;
contact information – email and phone number. To avoid accidental errors, this data is written in block letters in each cell separately;
checkpoint, tax identification number;
for residents of the Russian Federation - OKATO, OKPO and OGRN.

After filling out information about the client, you need to write the text of the appeal. You should start with a request to open a bank account and immediately clarify at what tariff and in what type of currency. The legal force of the application will not occur if the author does not indicate the date and signature. In some cases, a seal of a legal entity will be required, but this is not a requirement, but rather a recommendation from banks.

The person affixing his signature is required to indicate information about himself - full name, position held. If the interests of a businessman are represented by a trusted person, this fact is also stated in the text of the application. The stamp and signatures must be the same as on the sample cards.

You can download the sample here.

Features of filling with a bank

Having entered all the data specified above, the client submits the application to the bank, and the latter continues to fill out the document independently. Subsequently, employees need to make notes about the verification of the submitted documentation, and also inform about the decision.

Large banking organizations, as a rule, allocate a whole sheet for this, which will later be completely filled out.

Main nuances when filling out

When a client is given an empty form to fill out information, you will notice that there is a special column in which the accountant must sign. Only the specialist who will be assigned to regularly access the current account is required to do this. If there is no full-time accountant in the company or individual entrepreneur, only the manager or individual entrepreneur (depending on status) signs in a specially designated column.

The law requires the client to fill out the document only with a regular pen with blue ink.

If there are several current accounts, you will have to make a separate copy of the application for each of them. Individual entrepreneurs are often surprised why they have to prepare 2 applications, creating 2 accounts in the territory of one banking organization. Such requirements are specified not only in regulations, but also in the internal instructions of the bank itself.

What to choose – application or questionnaire

Sometimes a bank may give its clients a questionnaire rather than an application to open a bank account. The main difference from the common form 0401025 is the presence of more questions. The questionnaire is an attachment, which will then be attached to the cash settlement agreement. With its help, the client can specify additional options not provided for in the contract. Eg:

the amount of commission and expenses associated with banking services;
regular receipt of SMS notifications informing about recently performed operations;
regular receipt of notifications by email;
connection of mobile payment and Internet banking services;

What to do next

If you do not know how to draw up an application for opening a bank account, you can ask your manager-consultant for a sample. As a result of successfully filling out the document, it is submitted to the responsible department for verification on the spot. If a positive decision is made, bank employees will call the client back with a request to re-appear at the representative office for the subsequent conclusion of a service agreement.

The result of completing all procedures related to filling out and submitting an application for opening a current account is receiving the details of a new account. They can be easily transferred to business partners and other categories of persons who will send money there. After activating your bank account, you can proceed to replenishing it and further making non-cash payments.

After submitting an application to open a new account, the client may also face a refusal. You should clarify the reasons for making a negative decision with the consulting manager who accepted your application. Although such cases happen very rarely, there is still a chance to encounter such a situation.

Application for opening a bank account: how to fill out + Sberbank form

Both a legal entity and an individual entrepreneur are required to provide a number of documents in order to conclude an agreement on cash settlement services with a bank. At the head of all papers is an application for opening a current account (form 0401025).

The application is submitted directly to the selected bank; most often it is filled out on the spot, according to the sample, and not in advance. Some banks offer to fill out an application online.

Many financial organizations upload samples of their applications to the website so that the client can familiarize themselves with all the documents before visiting the office. For example, forms can be found on the websites of Alfa Bank and VTB-24, but we will consider the application using the example of a Sberbank form.

Filling out an application to open a current account

Let us examine in more detail what an application for opening a current account consists of. It is immediately worth noting that each bank has its own form of documents. In some places you will only need to sign, and in others you will have to write the entire text of the application by hand.

We will look at the structure of the document using the example of a Sberbank statement (you can download it from the window below):

By the way, if you have not decided on the choice of bank, we recommend that you familiarize yourself with our rating of tariffs for opening current accounts.

Tochka (Otkritie Bank) - free opening;
Tinkoff - high% on account balance;
SKB-Bank - inexpensive services;
Modulbank - there is a completely free tariff;
UBRD - many different tariffs for every taste.

To be completed by the applicant

Any document begins with information about the person submitting the application. It can be:

full name of the legal entity (Limited Liability Company ALFAVIT) or individual entrepreneur (Individual entrepreneur Petr Sergeevich Ivanov);
address (for an LLC this is the address indicated in the Unified State Register of Legal Entities, and for an individual entrepreneur - the registration address);
postal address - official letters from the bank will be sent to it;
contact telephone number and email address (to avoid errors, they are written in cells, in printed characters);
TIN, checkpoint;
OGRN, OKPO, OKATO (only for residents of the Russian Federation).

After the client has “introduced himself” at the beginning of the document, he must formulate and detail his statement.

« With this application I request you to open a bank account.", and then you need to clarify:

in what currency;
at what rate?

The application will not be valid until the client puts at the end:

signature;
date;
seal (in most banks, the presence of a seal is advisory).

The person signing the document must indicate his or her first and last name, and the basis for the work. For example, this could be the Charter of the company or the power of attorney of the individual entrepreneur (if the account is opened not by the entrepreneur himself, but by an authorized person).

The signature and seal on the application must match the sample card.

To be filled in by the bank

The second block of the application is filled out by the bank. There, employees of the financial institution will later make notes about the verification of documents and the decision made.

In some banks, such blocks take up an entire sheet.

Attached documents

To open a current account, you need to provide the bank with not only an application, but also other documents. An annex to the application is their inventory, which is certified by both parties - the bank and the client.

For example, at Sberbank the following is attached to the application:

Application for opening a bank account

Rules for filling out the form

Full name of the organization, for example, “Assorted limited liability company” or “individual entrepreneur Ivanov Ivan Ivanovich.”
The legal address of the organization at which it is registered, individual entrepreneurs can refuse their registration address.
The address of the office to which mail will be sent, including from the bank.
Contacts of the founder, all phone numbers, email address and other contact information.
Company details: TIN, KPP, OGRN and others.

Please note that in the text of the application you must indicate the currency of the account and the selected tariff must be secured with a personal signature and seal of the organization.

What documents need to be attached

Basically, banks independently determine a list of documents for clients and announce it in advance; however, let’s consider a list of all documents that are required from each applicant:

applicant's passport;
card with samples of signatures and seals;
tax registration certificate;
extract from the Unified State Register of individual entrepreneurs or legal entities;
license;
financial statements;
charter (for LLC);
agreement on the appointment of a director.

Please note that the list of documents may be adjusted for the applicant depending on the specifics of his activity.

a document confirming the authority of officials to manage the account. This document is provided only in cases where the authorities of officials are not certified by a notary in the cards with sample signatures.

To contact a notary's office, you need to collect a package of papers. Usually this passport representative, principal and Certificate of registration of individual entrepreneur.

Sample power of attorney for opening a current account and how to open a current account under a power of attorney

Based on the purpose of the power of attorney and the type of witness, powers of attorney can be general or special. You can find out their features from the table.

For a power of attorney to be legally binding, it must comply with generally accepted standards. If a document is drawn up to open a bank account, then the following details are indicated in it:

The representative collects the remaining documents (they may vary for each bank) and, together with the power of attorney and the organization’s seal, goes to the bank.

The form giving the right to open an account must also include the following list of powers:

A power of attorney granting the right to operate on a current account provides the authority to carry out various actions on it, including monetary ones (withdrawals, deposits, transfers, etc.). Any person can act as a principal or representative. The main thing is that it is legally capable - this is an important condition for the validity of a transaction carried out by proxy.

If an organization or individual entrepreneur has several accounts in different banks, then a new power of attorney is created to manage each of them. If the company's accounts are opened in one bank, then one power of attorney indicating the existing current accounts is sufficient.

provision of documents;
conclusion of a bank service agreement;
signing documents (this includes an agreement to agree to the bank’s terms in two samples, an application to open an account and other papers depending on the situation and the bank’s policy);
depositing money (for the current account to start functioning, you need to deposit the amount of service within the selected tariff into it).

In the first case, the notary will check the authenticity of the documents and draw up a power of attorney with the necessary powers.

an individual(this could be an individual entrepreneur or a company employee who needs a power of attorney).

The individual entrepreneur fills out a form at the bank. Last name, first name, patronymic, passport number and series, citizenship, TIN, address, telephone number are indicated for the purpose of identifying the client. The individual entrepreneur certifies the correctness of the information with a personal signature.

Don't delay learning about banking rates and procedures. Submit an application to open a bank account.

Government policy is aimed at tightening the rules for using cash. The individual entrepreneur will lose profit if cash rubles remain the only means of payment. The bank's services for servicing non-cash payments will become available and will be provided after opening a current account.

Rosstat registers individual entrepreneurs and reports OK TEI codes in an information letter. If the entrepreneur does not have a certificate of codes on paper, the bank manager will generate and print a notification from the statistical register on the online service using the TIN details.

How to open a bank account as an individual entrepreneur

If the original certificate is lost or has become unusable, you should contact the tax office in person to obtain a duplicate. If, after the TIN was issued, the passport data, place of residence, last name, first name, patronymic changed, the number remains the same.

The decision to open a current account means choosing a servicing bank. Initial general information about financial institutions is easy to find online. Bank websites provide information about service tariffs, locations of branches and ATMs, loan products, and programs for small businesses. It is recommended to clarify the relevance of the information when visiting a financial institution in person. The bank manager will be happy to tell you about the requirements for submitting documents to open a current account. The following must be submitted to the bank:

The bank is authorized to issue the original card, in which the individual entrepreneur will indicate a sample signature and seal. A bank employee has the right to certify the card. The bank also accepts the original card, certified by a notary. If the card indicates an individual entrepreneur, you must provide the bank with an order or power of attorney for the right to sign payment documents.

The application form is issued by the bank. The client fills out the required information and signs. The bank employee makes a note that he accepted the application, identified the client, and checked the documents. If the application is refused, a note is also made.

TIN - taxpayer identification number, consists of 12 digits. The Tax Service assigns a TIN to individuals upon registration or registration as an individual entrepreneur. The TIN of an individual and the TIN of an individual entrepreneur are the same.

Attention! From January 1, 2017, the certificate of assignment of a TIN is issued at the tax office on printed forms without a hologram.

The bank establishes a contractual relationship with the individual entrepreneur for the purpose of opening a current account and cash settlement services at established tariffs. The agreement specifies the currency and account number. The bank undertakes to carry out the client’s orders regarding the use of funds and ensure the safety of the client’s money. The agreement provides for the rights and obligations of the parties and the procedure for servicing the account. Payment details are indicated. The service agreement is signed by both parties: the individual entrepreneur and the authorized person of the bank. The bank has the right to request licenses, patents, and tax reporting from individual entrepreneurs.

The individual entrepreneur is required to present his personal passport to the bank.

Application for opening a current account sample filling

After a legal entity or individual entrepreneur opens or closes a current account, they must notify the appropriate authorities by sending a notice of opening a current account. How to do this correctly and where exactly should you report it?

In this article we will talk about how to fill out this form correctly. Below you can download the message form form C-09-1, current for the current year 2013. In addition, for your convenience, we have filled out a form for a message about opening a bank account for LLCs and individual entrepreneurs; a sample form No. C-09-1 can be found at the end of the article.

on the official website of the banking institution

at the bank support service by phone

via ICQ – in this case the client is redirected to the official page on the network

in person from a bank consultant.

Russian Pension Fund

Social Insurance Fund of the Russian Federation.

If the individual entrepreneur or enterprise does not provide (or provides, but not on time) information to the controlling structures, a fine will be imposed on the guilty person. For an institution, its size can be up to 5,000 rubles, and for officials and individual entrepreneurs - up to 2,000 rubles.

name of the organization (IP)

registration number of a legal entity in the Social Insurance Fund

name of the territorial branch of the Social Insurance Fund

bank details

account number and when it was opened

seal

Date of preparation

If an account is opened in the treasury, then instead of sheet A, sheet B is filled out.

current account number

day, month, year of its opening

bank location

TIN, KPP and BIC of the bank

organization seal

signature of an authorized person.

Personal layout for large businesses Cash and settlement services in rubles. and overseas hard currency Placement of free capital for now Bank cards with personal design Devices for protecting information: USB token and smart card iBank2 Key Device for protecting information for corporate Visitors biometric identification AGSES card Assortments of documents for settlement and cash services Forms of documents for settlement and cash services service Forms of agreements for settlement and cash prevention Forms of documents for conducting transactions in an overseas hard currency Forms of documents for the issue and service of a corporate bank card Rules for using a corporate card Approval for additional services on a corporate card Approval for blocking a corporate card by the holder Approval for blocking/unblocking a corporate card by a visitor Unanimity for processing individual these holders Assortments of documents and standard forms of agreements on deposits List of documents for opening a deposit account legal sample of filling out an application for opening a current account. For organizations, opening a current account is considered an integral exercise, because organizations carry out all existing transactions through a current account.

After receiving confirmation of the opening of an account (certificate) in a banking institution, a notification is issued about the opening of a current account of the Federal Tax Service and extra-budgetary funds.

Opening a current account for an individual entrepreneur is an optional step in the state registration of legal business activity. That is, if an entrepreneur can do without a current account in his activities, then he is not obliged to open one. It is allowed to open a current account in a bank, with the Federal Treasury and other financial organizations that open and maintain personal accounts.

A notarized copy of the document on state registration (re-registration) of the enterprise;

A copy of the constituent document established by the legislation of the Republic of Belarus for the account holder, certified by a notary or a registering authority.

3. transfers to foreign currency accounts of Belarusian enterprises in payment for goods (work, services);

Application form for opening a current account

Sources of foreign currency account may be: 1. foreign exchange earnings from permitted foreign economic activity according to established standards; 2. contributions to the authorized capital; 3. loans from authorized foreign banks and other financial and credit institutions; 4. currency purchased on the domestic foreign exchange market; 5. charitable contributions, etc.

A card with sample signatures and a seal imprint of the entrepreneur, officials of the enterprise who have the right to dispose of the account, the authenticity of which is certified by a notary or a higher authority and its seal.

application for opening an account in the prescribed form;

To open a current account, the following documents are provided to the bank:

The current account statement contains certain indicators, some of which are coded by the bank. It represents an analytical accounting register and serves as the basis for accounting records. On the day of receipt, the extract is processed, i.e. all supporting documents are selected, the opening balance is verified, and corresponding accounts are entered into the current account.

Synthetic accounting of transactions on the credit of account 51 is kept in journal order No. 2, and on debit in statement No. 2. One line is allocated for each statement.

charter (regulations) with a note on registration of local government bodies;

constituent agreement (naturally certified form of establishment of an enterprise);

the enterprise presents an information letter from the state body. statistics indicating the identification code;

Application for opening a bank account

Conducting banking transactions by individuals or legal entities is impossible without an account in the selected financial institution. It is opened on the basis of the relevant agreement. To form such an agreement with legal entities, an application for opening an account is drawn up.

Filling Features

In the all-Russian classifier of management documentation, the application is assigned number 0401025. The completed document is signed by the head and chief accountant of the enterprise. If the latter is not on staff, only as a manager. Their signatures must match those on the sample signature card.

The endorsement is certified by a seal. It must also match the stamp on the corresponding card. The application form can be developed by the bank independently. However, there is a certain list of information that must be present on it.

What does the application look like?

>First of all, enter the full and abbreviated name of the legal entity. After this, it is indicated what kind of account the company wants to open: settlement, deposit, currency, etc. Then the parameters of the banking unit to which the client applied are entered. This block ends with the signatures of authorized persons of the company.

The next section, separated from the main text by a bold line, concerns the bank's opening order. The block displays the following information:

Account type and currency type.
Name of the institution, number and date of the agreement on the basis of which the opening takes place.
Position of the head of the credit institution, signature and its transcript.
FULL NAME. and the visa of the authorized employee who accepted the application and verified the submitted documentation.
Date of inspection.
Numbers of open personal accounts.
FULL NAME. and a visa of the bank employee who directly opened the account.

The package of documents provided to complete the procedure differs for each bank. But the application must be part of the set of documents for any financial institution.

Application for opening an account

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Application for opening an account is an official appeal by several persons or one citizen to an official, a state body, the administration of an institution or a local government body regarding the opening of an account. An application, unlike a complaint, is not related to a violation of his legitimate interests and rights and does not contain a request to eliminate it violation, but is aimed solely at realizing the interests and rights of the applicant or eliminating any shortcomings in the work of enterprises, organizations, institutions. Applications can be submitted either orally or in writing. The procedure for their consideration is similar to how complaints are considered.

Sample application for opening an account

For more successful cooperation with banking institutions, you must write an application to open an account. For these purposes, a standard application form is used, which can be developed by internal banking structures. The application indicates the contact and personal information of the applicant, the type of account that is planned to be opened in the bank. If the bank's rules require additional documents, certificates and copies, then they are included in the list as a separate item in the application. If it is necessary to indicate the purpose of opening an account, then it is formulated without allowing for double interpretation. The application can be filled out using office equipment, but often this is done by hand, using a blue or black ballpoint pen.

Application for opening an account

To open an account, you must provide the following documents to the bank:

application for opening an account in form 0401025;
document on state registration of a legal entity in accordance with current legislation (notarized copy);
constituent documents (notarized copies);
certificate of registration with the tax authority (original copy);
card with sample signatures and seal impressions of form 0401026 (2 copies);
a document confirming the authority of officials to manage the account. This document is provided only in cases where the authorities of officials are not certified by a notary in the cards with sample signatures.

When filling out a card according to form 0401026, it indicates the persons who have the right of first and second signature. A sample signature of the manager must be included in the card.

The card in form 0401026 MUST include a sample of the seal assigned to the legal entity or its separate structural divisions.

After opening a current account, any legal entity is required to provide the tax authority with a “Notification of opening (closing) of a bank account.”

How to correctly draw up an application for opening a current account

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The company's account is serviced by the bank on the basis of an agreement signed by the parties. To formalize such an agreement, the client must submit an application and wait for a positive result of the financial institution’s review of the provided documents. How to correctly fill out an application for opening a current account, what forms this document can take, what needs to be prepared in advance to speed up the process - these are common questions that arise for entrepreneurs.

How to apply

Having chosen a financial institution, it is better to call this bank in advance or visit its official website to find out:

what package of documents needs to be collected;
is there a need to have copies certified by a notary;
Do I need to submit a preliminary application or can I go straight to the branch if all the certificates have already been collected?

The main package of documents required to submit an application consists of:

state registration certificates;
document on tax accounting;
extracts from the state register;
cards of sample signatures of responsible persons and seal imprints, according to standard No. 0401026;
passports and TIN of responsible persons;
constituent documents, licenses or permits for business activities.

There may be more points. This depends on the form of ownership of the enterprise, as well as on the internal instructions of the bank.

From the collected documents, a legal file of the enterprise is formed, which will be stored in the bank’s archives. If there are no complaints about the package, the contract is immediately reviewed and applications are completed. Consequently, the legal document will be supplemented with documents provided by the bank itself directly when opening a current account:

mandatory application form No. 0401025 (form according to OKUD);
application form (bank form);
service agreement (bank form).

After signing these documents, as a rule, an account is opened immediately.

Filling out the form 0401025

According to the All-Russian Classifier of Management Documentation (OKUD), the application form for opening a current account has a standard form No. 0401025. The document does not apply to strict reporting and may have minor differences in appearance. However, the content remains unchanged.

The application form, in its main part, contains the following information:

column for the name of the credit institution opening the account;
column for the full name of the company for which the account is opened;
a paragraph to indicate the type of account and in what currency it will operate;
lines describing the basis for opening an account, that is, the number and date of the agreement between the parties, as well as a note indicating that the client has familiarized himself with the terms of service and regulations that govern the financial operations of this credit institution;
the name of the position of the person with the right to the first visa (manager) representing the bank client, his signature, initials and surname;
the name of the position of the person with the right to a second visa (chief accountant), his signature, initials and surname;
place for printing;
date of signing.

Below, behind the dividing line, there are marks of the credit institution: endorsement by the first person of the bank (director or his first deputy) and the second (chief accountant or accountant), as well as the date of signing.

The lowest mark states that the account is open, and information about the balance and personal account numbers of the new client is presented in tabular form.

Little nuances

If there is no accountant as a position, only the director signs the form. His deputies and other persons do not have the right to endorse documents in the column intended for the accountant.
The signatures and seal of the client enterprise must exactly match those indicated in the form card No. 0401025.
Changing the content may invalidate the document.
The form can only be filled out manually; the paste must be standard blue.
If a company opens several accounts, a separate form is filled out for each of them. All of them will be stored in one legal entity in the bank’s archives.
Form No. 0401025 is standard for opening any type of bank account, be it current, current or other.

Filling out the form

An application for opening a current account may not be limited only to the form with the content provided by OKUD. As a rule, the bank offers an application form, which is developed separately and can have many different points.

This type of application is also filled out manually by the client himself. The document is essentially an addition to the contract. If the contract itself specifies clauses that are mandatory for the parties to comply with, then the questionnaire usually offers additional opportunities for the client.

In addition to the columns intended for details and standard wording about opening an account, the application may have the following blocks to fill out:

Here you may be offered options for withdrawing service fees from your account: monthly, quarterly or once a year. Familiarization of the client with current tariffs and a place for a signature indicating that the company is aware of the bank’s conditions.

One or more telephones (both corporate and linked to a specific executive officer of the company) can be connected to the information service. As a rule, this serves as additional protection for the account from unauthorized transactions, as well as to ensure that the company is notified of receipts or debits of funds.

Connection to Internet banking.

This block describes the conditions, security measures and functions that are available on the special online interface. The client can manage the account via the Internet or a special mobile application, which has its own conveniences and advantages.

Sections of the questionnaire may also contain other offers from the bank: remote access to technical support, additional security measures, etc. The client checks the boxes next to those items that he considers interesting and signs the application.

The next day after signing all the documents, an entry about the new account appears in the state Book of Registration of Enterprise Accounts. From this moment on, the account can be used.

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To open an account, you must provide the following documents to the bank:

application for opening an account in form 0401025;
document on state registration of a legal entity in accordance with current legislation (notarized copy);
constituent documents (notarized copies);
certificate of registration with the tax authority (original copy);
card with sample signatures and seal impressions of form 0401026 (2 copies);
a document confirming the authority of officials to manage the account. This document is provided only in cases where the authorities of officials are not certified by a notary in the cards with sample signatures.

When filling out a card according to form 0401026, it indicates the persons who have the right of first and second signature. A sample signature of the manager must be included in the card.

The card in form 0401026 MUST include a sample of the seal assigned to the legal entity or its separate structural divisions.

After opening a current account, any legal entity is required to provide the tax authority with a “Notification of opening (closing) of a bank account.”

The application is submitted directly to the selected bank; most often it is filled out on the spot, according to the sample, and not in advance. Some banks offer to fill out an application online.

Filling out an application to open a current account

We will look at the structure of the document using the example of a Sberbank statement (you can download it from the window below):

To be completed by the applicant

Any document begins with information about the person submitting the application. It can be:

full name of the legal entity (Limited Liability Company ALFAVIT) or individual entrepreneur (Individual entrepreneur Petr Sergeevich Ivanov);
address (for an LLC this is the address indicated in the Unified State Register of Legal Entities, and for an individual entrepreneur - the registration address);
postal address - official letters from the bank will be sent to it;
contact telephone number and email address (to avoid errors, they are written in cells, in printed characters);
TIN, checkpoint;
OGRN, OKPO, OKATO (only for residents of the Russian Federation).

After the client has “introduced himself” at the beginning of the document, he must formulate and detail his statement.

« With this application I request you to open a bank account.", and then you need to clarify:

in what currency;
at what rate?

The application will not be valid until the client puts at the end:

signature;
date;
seal (in most banks, the presence of a seal is advisory).

The person signing the document must indicate his or her first and last name, and the basis for the work. For example, these could be the Charter of the company or (if the account is opened not by the entrepreneur himself, but by an authorized representative).

The signature and seal on the application must match the sample card.

To be filled in by the bank

The second block of the application is filled out by the bank. There, employees of the financial institution will later make notes about the verification of documents and the decision made.

In some banks, such blocks take up an entire sheet.

Attached documents

For example, at Sberbank the following is attached to the application:

Do not be surprised if in some banks the list of documents may be wider. For example, to open a current account they may request:

for JSC - an extract from the register of shareholders;
certificate of assignment of codes from the statistics department;
information about the financial situation - tax returns or financial statements (for organizations and individual entrepreneurs operating for more than three months);
licenses and permits to conduct certain types of activities.

Most often, documents along with an application are reviewed by the bank within 24 hours, but today there are more and more organizations that are ready to open an account in a few hours.

Nuances of filling

As a rule, the application contains a special column for the signature of the accountant who will have access to the account. If the applicant does not have a full-time accountant, only the director (the individual entrepreneur himself) signs the document in his own column.

The application must be filled out using a blue standard pen.

An application is drawn up for opening each account. Even if an entrepreneur wants to open two accounts in one bank at once, he must write two separate applications.

Application or questionnaire

Instead of an application or in addition to it, the bank may invite the client to fill out a questionnaire that contains many more questions than the standard form 0401025.

The application form acts as an annex to the future cash settlement agreement; it presents the client with a choice of additional options that are not specified in the agreement. For example, these could be:

commission options and cost of banking services;
informing about transactions via SMS or e-mail;
connecting online banking and mobile banking.

What then

After the application is submitted, verified and approved, the bank will invite a new client to enter into a cash settlement service agreement.

The applicant is provided with the details of his new account, which can already be given to business partners. You can immediately top up your account and start making non-cash payments through it.