Close rs in Sberbank. How to close a metal account. Closing a Sberbank credit card account

How to close a current account in Sberbank?

Each company is required to conduct its activities through a current account. You can open it in any bank where the organization will be conveniently and profitably served. Further service can be carried out at a bank branch or remotely through a personal account. Tariffs for servicing a current account (r\sch) in Sberbank depend on the region of service.
Opening a current account is a complex mechanism when a company must submit a large list of documents. However, in the process of work, the organization may refuse to use r \ sch and then it is necessary to carry out the closing procedure without fail. It is important to carry it out correctly so that the company does not have problems in the future. Let us consider in more detail what is closing a current account, what is this procedure, what documents may be needed, and in what cases the account may not be closed?

What is account closure?

This is a procedure for terminating a contract for servicing a bank account between a banking institution and a client. As a result of closing the account, the company will no longer be able to conduct transactions on it. Closing is done in several cases:

When the organization is completely liquidated. In this case, the closing procedure will be more complicated, since this should be preceded by a complete reorganization of the organization, payment of debts to creditors and tax authorities. If the liquidation is forced, then the owners do not need to worry about closing the account - the arbitration manager will prepare and submit the entire necessary package of documents to the bank.
In cases of reorganization or disintegration of the company into several new ones.
Switching to another bank (on more favorable terms).
Change of owner r \ account.

The procedure for closing the account is specified in the contract for its opening. According to the current legislation, the account can be closed at the initiative of any of the parties (client or bank) on the day of application.

The procedure for closing a current account in Sberbank.

The head of the organization issues an order to close the account in the servicing bank.
A letter is sent to the IFTS with a notification of the closure of the account and a response with permission is expected.
The accountant or manager (or the person with the right of the first signature) applies to the branch where the account is opened, presents the issued order and the permission of the tax authority.
The bank provides an account statement.
If there is a debt, the client must pay it off.
If there is a positive balance, you should issue a payment order with a request to transfer funds to another account or receive balances through the cash desk (if they are insignificant).
Next, an application of the established form is filled out for closing the account with an indication of the reason for closing and is given to the responsible employee. Also, the application shall indicate all the numbers of sheets of the checkbook that were not used in the service process. The signed application must be kept in the company's personal file. Application for closing a current account with Sberbank
During the day, this application is considered and signed by the head of the department, and the client must receive a written notification of the closing of the account.
The declaration on the closure of the account must be sent within seven days (to avoid fines) to the Pension Fund of the Russian Federation, the Tax Service, the Compulsory Medical Insurance Fund.

In what cases can a r\account not be closed?

The bank may refuse to close a current account for the following reasons:

Presence of unpaid invoices.
The presence of debt to the IFTS (the bank and the tax office are usually close friends)
Receipt of court orders for the arrest of r\sch.
The presence of blocked amounts “until clarification” (for example, if a large amount has been received, and the bank requires confirmation of the source of its legality).

When can a bank initiate the closure of a company's current account?

Closing of the settlement occurs both at the request of the client and at the initiative of the bank. Cases when the bank decides to close the account of the client:

If there has not been a single transaction for two years.
By court order, when the work of the company was terminated as a result of a lawsuit.
If the client committed serious violations when carrying out transactions with his account (this is clarified by the Financial Transactions Monitoring Department).

In these cases, the bank closes the account on its own and sends the client a notification about this.

To end a business relationship with a financial institution, you need to know how to close an account with Sberbank. Without the cancellation of the agreement, it will be necessary to constantly pay for the service at the bank, even if this product is not used. The need to break off relations may also be required upon termination of business activities as an individual entrepreneur or legal entity.

Closing an account with Sberbank step by step

To terminate the relationship with the organization, the client must complete the following steps:

Contact the office of the company with a written request on how to close an account with Sberbank. To draw up a document, you will need an identity document and a previously signed agreement on opening an account.
Withdraw all funds available on linked cards. If the amounts are insignificant and have a penny, you can get them at the box office.
Eliminate debts and delays in payments. Without fulfilling debt obligations, it is impossible to end cooperation with the holding.

When the above operations are completed, Sberbank will proceed to close the account. After the procedure is completed, the financial institution will inform the consumer about the closing of the transaction by sending a message to the contact phone number.

Closing an account for a legal entity

A similar process is for those who want to know how to close a current account with Sberbank for a legal entity. When starting to complete the cooperation, the following nuances should be taken into account:

The right to carry out the procedure for how to close a current account with Sberbank for a legal entity is only available to its head or another person who has a notarized document authorizing such actions.
To liquidate assets, a personal appeal to the company's office is required to submit an application.
A valid passport is required to verify identity.
The organization or person closing the account must not have debt obligations to the bank or the tax office.
After the liquidation of the account, the legal entity must notify the tax service of the termination of monetary relations with the financial institution.

After changes in legislation, tax notification has ceased to be a prerequisite and now only applies to financial institutions. But to clarify the details and in order to avoid the imposition of fines, it is better to consult an inspector.

Carrying out the procedure for IP

At the moment, there are specialized services on the territory of the Russian Federation that will tell you how to close a current account with Sberbank IP, and will also take care of all the hassle of preparing documents. Such organizations can save a lot of time, but they charge an appropriate fee for their services.

Those who want to resolve the issue themselves How to close a current account with Sberbank IP should follow these steps:

Prepare a package of documents for termination (account balance, limit on operations at the cash desk, list of debts).
Repay arrears (if any).
Write an application for the liquidation of the account.
Withdraw money.

After that, it remains only to wait for the notification of the completion of cooperation, issue a certificate of this and submit it to the tax office, insurance company and pension fund.

Close current account in Sberbank Online

Visiting a branch and processing documents takes a lot of time, so it’s easier to close a current account with Sberbank Online, an Internet system that allows you to manage your finances without leaving your home.

In order to complete the contract, you need to follow a few simple steps:

Log in using your personal data and the code cipher from the SMS message.
Click on the link Deposits and accounts.
At the top, select Closing the deposit.
In the dialog box that opens, select the deposit to be liquidated and the plastic to which the previously stored money will be transferred.

Unfortunately, it is currently impossible to close a current account in Sberbank Online, which is not a deposit one. For registration of documents, a personal presence at the branch is required. If it is not possible to personally contact the branch, the option of contacting by mail is considered. To do this, you need to fill out an application in the prescribed form of the bank (), secure it with a personal signature and send it to the address where the cooperation agreement was originally concluded.

Conclusion

After analyzing the information on how to close an account with Sberbank, we can conclude that the procedure for individuals, legal entities and individual entrepreneurs is similar, but has its own nuances. Entrepreneurs will need to notify additional government agencies about the end of the relationship, but the ordinary citizen will not. In addition, an ordinary user has the ability to remotely close a deposit account.

In the article, we will consider how to close a current account with Sberbank LLC and IP. We will learn the features of this process and figure out how to draw up an application for closing an account. We have prepared for you a list of documents for legal entities and individual entrepreneurs, as well as step-by-step instructions for closing an account.

Circumstances develop in different ways, and in some cases jur. a person may need (r / s). We will take a closer look at how an entrepreneur running his own business closes.

The most common reasons for this are:

liquidation of the organization;
bankruptcy of a legal entity;
implementation of the transition to cash settlement in another banking organization;
change in the form of ownership of the company;
reorganizations of various types.

R\s can be closed:

ahead of schedule;
after the expiration of your contract with a banking organization.

In the second situation, there are usually no difficulties, but early closure may have its own nuances, so first of all, carefully read the contract.

What is needed to close an account with Sberbank, we will understand further.

Application form for closing a current account in Sberbank

In order for the account of your company to be successfully closed, you need to contact Sberbank with an application. Features of filling out the application form for closing the account are as follows:

The application for closing is drawn up in one copy, you submit it to the branch of the bank where you opened the account. Moreover, it can only be submitted by the person who was involved in the opening or his representative.

A sample application to the bank includes the number of the previously concluded agreement, the details of the current account, the reason why you are closing the account.

After the bank account agreement is terminated, the application for closed account will be kept in your legal file.

As for the sample filling, you can familiarize yourself with it at the bank branch or download it below:

Application download file:

How an individual entrepreneur can close a current account with Sberbank

You can terminate the contract with a banking organization at any time. Most often this happens by mutual agreement of both parties. We note right away that it is much easier for an individual entrepreneur to do this than a legal entity. face.

At the same time, it is worth remembering that you need to notify not only the financial institution, but also partners about your desire in time. This will avoid difficulties with transferring money to details that do not exist. And it is also important to perform all actions promptly, as this can significantly save money.

To close an account, you need to collect and submit the following documentation to Sberbank:

an application filled out by you manually;
statement of the availability of funds remaining in the account;
a certificate from the USRIP, certified by a notary.

The last document is not requested by all banking organizations, some are limited to an extract on the balance of money and an application.

Step-by-step instruction

To close the account, follow a few steps:

Gather all necessary documentation.
Pay off accounts payable (if any).
Engage in cashing out the funds remaining on the balance sheet.
Submit a closing request to the bank.
Receive a notification that the account has been closed.

Sberbank may check the documentation you provided for some time. To find out how long this takes, read the information in your service contract.

How to close the current account of an LLC in Sberbank

Closing a current account usually does not cause great difficulties. But there are certain nuances in this procedure. Let's consider them in more detail.

A legal entity can close an account only if such a decision is made by the owner of the company. At the same time, an order is issued or a meeting protocol is issued to close the account.

Then you need to pay off debts to the bank, only then an application is submitted indicating the reason for terminating the contract. If the account is closed due to the liquidation of the company, then the so-called reorganization is carried out first: all debts to the Federal Tax Service and creditors are paid.

Closing time directly depends on whether the money remained on the balance sheet. If not, then the next day after the application is made, the account will be closed. If there are funds, then they must be transferred to another account.

What documents are needed to close

The documentation package includes:

statement;
extract from the Unified State Register of Legal Entities;
Your passport;
minutes of the meeting with the decision to close the account.

With these papers, you need to contact a legal specialist. persons.

Step-by-step instruction

Let's take a closer look at all the stages of closing an account:

A person with the right of first signature submits an application to Sberbank. At the same time, an internal firm order to close is provided.
An employee of Sberbank issues a certificate of the state of the account.
You pay off debt (if any).
Within one day, the application will be reviewed and signed by representatives of the financial institution.
You will be given a special notice.
During the working week, the banking organization notifies the FIU and the Federal Tax Service that you no longer have an account.

The account will be terminated the next day after the funds are debited. If you have not received the balance on your account, after 60 days they will be transferred to a special account. account with the Central Bank of the Russian Federation.

Note that now it is possible to close an account through Sberbank Online or a mobile application. For this:

Log in with your username and password.
Select the "Deposits and Accounts" tab.
Select "Close account".
Enter the required information in the form.
Specify account to transfer the balance of funds.
Click the Next and Close buttons.
Wait for an SMS from Sberbank to your phone number.

This article will talk about how to close an account with Sberbank for a legal entity, as well as about the features of this procedure, for example, about the rules for drawing up an application for closing an account. In addition, the material has prepared a description of the documentation for legal entities and detailed step-by-step instructions for the process.

The procedure for closing an account with Sberbank

Working circumstances can develop in different ways, and sometimes it happens that a legal entity needs to liquidate a current account opened with Sberbank.

The most common reasons for closing an account:

company closure;
bankruptcy;
transition to settlement and cash services in another banking institution;
reorganization of existing species.

Closing an account with Sberbank

It is possible both to close the account, which is carried out ahead of time, and after the expiration of the period of validity of the agreement drawn up between the legal entity and Sberbank.

The second case, as a rule, does not cause any difficulties, and the early procedure has its own characteristics, so before making a final decision, you should carefully read the contract.

Statement

In order for the organization’s current account in Sberbank to be closed without any problems, you need to come to its branch with a completed application. When preparing a document, the following features are observed:

the paper is drawn up and provided to the branch of Sberbank in which the account of the legal entity was originally opened;
the sample document contains the number of the agreement concluded before, the details of the account, the reason for its closure;
as soon as the contract with the company is terminated, the application for closing is sent to the archives of the company.

A sample application can be studied directly at Sberbank or downloaded below.

Required documents

Closing the account requires the applicant to provide the following documentation:

hand-filled application;
statement of the availability of remaining funds;
a certificate received from the USRIP and certified by a notary.

The latter is not needed by all banks, some have enough of the first two papers.

Closing a legal entity account

Opening a current account with Sberbank requires a legal entity to collect and provide many different documents, that is, the procedure itself is quite complicated. On the day of registration, the parties draw up and sign an agreement that contains not only information about their obligations and rights, but also the prescribed procedure for completing the document. It can be initiated both by the organization itself, represented by an authorized person, and by the bank.

Closing procedure requires writing an application

The early closure procedure is not carried out without a reason, as it is quite complicated and time-consuming.

Step-by-step instruction:

The management of the organization draws up an order to close the account in Sberbank.
Fiscal and tax authorities receive a corresponding notification.
The legal entity is waiting for permission from this service.
The head or his authorized representative comes to the branch of the banking organization in which the account was opened, and an agreement was drawn up, with an order to close and the consent of the fiscal service.
An employee of Sberbank draws up and provides the applicant with an extract from the account and data on the money remaining on it.
If a debt is found, it must be liquidated (replenishment can be done immediately at the bank).
The remaining funds are cashed out or transferred to another current account (card) after the execution of the payment order for the procedure.
A representative of a legal entity, endowed with authority, by hand draws up an application for the termination of the contract. It needs to write the reasons for the closure and describe all the pages of the checkbook that were not used.
As soon as this document is handed over to an employee of Sberbank, a decision will be made within 24 hours.
After that, the banking organization must send the appropriate notification to the applicant.
Once the closure is confirmed, management notifies all relevant departments.

Sberbank's refusal to a person wishing to close an account may be received in such cases:

he is arrested by the court;
the legal entity has invoices issued before the procedure for which no fee has been paid;
there is a debt to the tax;
there is a certain amount in the account, the use of which is limited.

The bank may initiate the closure of an account if the legal entity has somehow violated the terms of the agreement or the account has not been transacted in the last two years.

Mandatory conditions

There are several important provisions that must be observed by the applicant:

r / s closes in the same place where it opened;
the reason for closing is written immediately;
there should not be any debts to the tax;
public services are notified of the decision immediately, otherwise fines may be imposed;
a copy of the application must be retained by the organization. If the operation fails (for example, in the event of a technical failure), the legal entity will not have to pay for the service.

For individuals

How to close an account with Sberbank for an individual:

Come to the office with a handwritten request to close.
Registration requires a passport and an agreement drawn up earlier.
Withdraw all the money (small amounts are issued immediately at the box office).
Eliminate debts and overdue payments. Cooperation with Sberbank does not end without the fulfillment of debt obligations.

After all transactions are completed, the financial institution will close the account and inform the applicant about this by sending a message to his mobile.

Closing an account with Sberbank online

For IP

How an individual entrepreneur can close a current account with Sberbank:

Collect documents for the liquidation of the contract.
Eliminate debts.
Write an application.
Withdraw funds.

After that, you need to receive an alert, draw up the appropriate paper and transfer it to the insurance company, pension fund and tax.

Closing an account through Sberbank Online

Visiting a bank branch and collecting all the documentation is a laborious process that takes a lot of time, so sometimes it’s easier to do everything in the Sberbank Online application, through which you can control money remotely.

Ending an agreement remotely is done as follows:

Log in to the application using personal information and the code received in the SMS message.
Select the "Deposits and Accounts" section.
Click the "Close Deposit" button.
In the window that appears, indicate the deposit that will be closed, and the card number for transferring all the money remaining in the account to it.

Important! Only a deposit account can be closed through Sberbank Online. Documents must be completed in person at the branch. If this is not possible, it is permissible to apply by mail. To do this, the application is drawn up in a form determined by the bank, signed and sent to the address of the conclusion of the agreement and opening of the account.

The procedure for closing a current account for individuals or legal entities, as well as for individual entrepreneurs, is similar, but each specific option has its own nuances. Entrepreneurs must send a notification to government departments, but individuals do not experience such a need before closing their personal account with Sberbank. Remote implementation of this procedure is also not available to everyone.

A current account with Sberbank can be closed by a representative of any party to the agreement. The procedure begins with the submission of an application on a special form, which is used only by clients of Sberbank of Russia.

Closing an account with Sberbank by an individual

A Sberbank client may terminate the agreement at its own discretion by providing its passport. The person who closes the account fills out an application in 2 copies of the established form, a mark is made on the client's copy of its acceptance. From this moment, the accrual of commission for using the Sberbank settlement account is terminated.

If there is money in the account, the application must indicate what should be done with them. They can be transferred to another Sberbank account, to an account in another bank, or received in cash through the cashier. The bank provides the balance of money upon application within one week.

Closing an account with Sberbank by a legal entity

The current account with Sberbank may be closed due to the reorganization of the company, its closure, when transferring settlements to another bank of funds, or when changing the owner of the current account.

A bank account can be closed only by decision of the head of the organization or collegial body, an order is issued or a meeting protocol is issued to close the account. Further, all existing debt to the bank is extinguished; an application is submitted stating the reason for terminating the contract. The bank issues a notification, on its basis a declaration is filled in for submission to the tax office where the enterprise is registered.

If the account of a liquidated organization is closed, it is better to transfer or receive money from the account in advance, this will speed up the procedure for closing the account. Also, all settlement documents are transferred to the bank, along with check books in which there are unused checks. The closing time of the account depends on the availability of funds in the account. If there is no money, then the account is closed the next day after the submission and consideration of the application. If there is money in the account, the bank must write it off immediately. A certain amount of money should be left in the account to pay for possible commission costs.

When an organization is liquidated, closing an account is a little more difficult, first a complete reorganization of the organization will be carried out, all debts to the tax office and all creditors must be paid by it. If the liquidation is carried out forcibly, then the documents are prepared and submitted to the bank by the arbitration manager.

The sequence of actions when closing a current account with Sberbank

A notification letter is sent to the IFTS with a message about the closure of the account and a corresponding permission is expected.
An application to the bank is submitted by the head, deputy, chief accountant, i.e. person with the right to sign. At the same time, it provides an order with the decision of the management to close the account and permission for this from the tax office.
The bank issues a statement on the status of the current account.
The client extinguishes the existing debt.
If there is a balance on the account, the funds are transferred to another account, a small amount is issued in cash through the cashier.
An application is filled out in two copies, indicating the reason for closing the account. The application shall indicate all the numbers of unused sheets of the checkbook. The signed application is kept in the personal file of the organization.
During the day, the application submitted by the client is considered and signed by representatives of the bank, the client is given a written notice of closing the account.
Within seven days, a document on closing an account is sent to the MHIF, the Pension Fund of the Russian Federation, and the Tax Inspectorate.

The account is liquidated after the money is debited the next day. If no instructions are left regarding residual funds, they are not received through the cash desk, then after 60 calendar days the money is transferred to a special settlement account with the Bank of Russia.

The bank may refuse to close an account if there is:

unpaid bills.
debt to the IFTS.
The court placed a lien on the bank account.
temporarily blocked amounts (when the bank, upon receipt of a large amount, finds out the legality of the source).

The bank applies for closing a current account if:

not a single monetary transaction was carried out for two years;
the work of the company was stopped by a court decision;
in case of serious violations during the conduct of financial transactions (after analysis and conclusion made by the monitoring department of the bank).

The bank independently closes the current account, about which it gives the client a notification.

Closing a card account

To close a card account, contact the manager or operator of a Sberbank branch. He will find out that this banking product belongs to you, and whether there is a debt to pay for its maintenance.

The client writes an application with a request to close the card account. After receiving it, the cards linked to it are declared invalid. The client encloses a Sberbank card with the application. If the cardholder has deposits and savings accounts, closing the card does not terminate the fulfillment of obligations to repay the loan and commission interest.

Before closing the card account, the client must fully repay all debts. If the debt is registered with the bank, then he must give the money to the client in cash or transfer it to another account.

Then Sberbank issues a certificate of closing the card and the debt repaid on it. All information must be confirmed by signatures and a seal. Help is an important document in case of problems.

The account is considered definitively closed within 45 calendar days after all actions stipulated by the agreement. When closing a lost card, an application is also submitted to the bank, and similar procedures are carried out.

The fact of closing the card is confirmed by an SMS message to the client, it is also considered additional evidence of the correct closing of the card account.

The card account is closed simply and without problems if the client has no outstanding debts.