Application for closing social accounts in Sberbank. How to close a deposit in Sberbank? How to close an account with Sberbank of Russia: instructions

Everyone who has an account opened with Sberbank sooner or later thinks about the question of how to close an account with Sberbank. A current account (r / s) in a bank can be opened by both individuals and legal entities, as well as individual entrepreneurs. It opens according to a signed bilateral agreement, which actually stipulates the terms of opening and closing and its maintenance.

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It is impossible to give an unambiguous answer to the question of how to close a current account with Sberbank. It all depends on the specific situation and circumstances. Closing can be done in two ways:

early;
upon expiration of the contract.

When closing after the expiration date, no problems should arise at all, but how to close the account in Sberbank ahead of schedule is another question. In certain cases, you need to be prepared for different options for the outcome of the current situation, since there are enough nuances here.

There are several reasons for closing bank accounts:

loss or theft of a plastic card (credit card or debit card);
expiration date;
liquidation of a legal entity;
reorganization;
division of the company into several independent branches;
change of account owner;
switching to another bank, etc.

Only the person who opened it or an authorized representative of the owner (friend or relative) has the right to close a deposit or account. To carry out this operation, the authorized person must have with him notarized documents that give him the right to dispose of the account owned by a third party. But even if all the necessary official papers are available, Sberbank employees are not very willing to fulfill the wishes of the client (trustee), therefore, it will be much easier if it is the owner who applies to Sberbank for the purpose of closing the account.

Close an individual account

Individuals often open a bank account when issuing a debit or credit card, or when opening deposits. How to close a personal account with Sberbank for an individual before the termination of the contract? In all three cases, the algorithm for early closing of a bank account in a bank is almost the same, with the exception of some nuances.

To close, an individual must:

Withdraw money from a plastic card. Not a single penny should be left on it. Since an ATM does not dispense funds in kopecks, this can be done through the Sberbank cash desk at the branch when applying, or you can use the Mobile Bank or the Sberbank Online service and transfer funds to another card or top up your phone, taking into account the commission.
Have all the necessary documents with you (the plastic card itself and a passport, if we are talking about closing a deposit, then you will also need an agreement on opening it).
Personally appear at any branch of Sberbank (preferably at the place where you concluded the contract).
Write a statement in which you state the essence of your appeal to Sberbank and indicate the reasons for your actions.
Give the plastic card to the manager. He must destroy it in your presence (usually they cut it). You can also do this yourself at home.

After the client's application is accepted and the plastic is destroyed, the bank employee must issue you a document confirming the closure of the account and the absence of debts to the organization. You will also have to go through a similar procedure if the client intends to close his Savings Account.

Attention! In case of early closing of the deposit, Sberbank calculates accrued interest at a lower interest rate than that stipulated in the agreement.

Closing a credit card occurs in the same order as a debit card. The only difference is the mandatory condition for the absence of debt on the loan. If there is even the slightest debt, the bank will refuse a request for early termination of the contract.

Close sole trader account

Individual entrepreneurs (IP) also have the right to early closure of the account, so situations arise when the question of how to close an IP account with Sberbank becomes more relevant than ever. This operation consists of the following steps:

Contact the Sberbank branch where the opening agreement was signed.
Carry all the required documents with you (certificate of registration of an individual entrepreneur, plastic cards linked to this account, an extract on its condition and balances on it, a passport or other document proving the identity of the entrepreneur, confirming certificates of repayment of debts to Sberbank, an agreement and others as needed).
First make sure that you do not have any debts to Sberbank, and if there are any, replenishment will be required, otherwise your appeal will not be satisfied.
Cash out the account if there are balances on it.
Personally write a statement with a request to close the account and indicate the reason, and transfer it to a bank employee.
Request a certificate confirming the fact of closing the account and the absence of debts.

Attention! Additional documents may be required to close a personal account of an individual entrepreneur at Sberbank. This should be spelled out in more detail in the account opening agreement itself.

Close a legal entity account

To open a current account, a legal entity needs to collect and provide many different documents, which significantly complicates the opening procedure. On the opening day of the account, the parties sign an agreement, which contains not only information about their rights and obligations, but also the procedure for terminating the agreement. The initiator of this operation can be either a company (enterprise) represented by an authorized representative or a bank. There must be certain reasons for carrying out the procedure for early closing of an account, since the process itself is time-consuming and rather laborious.

How to close an account with Sberbank ahead of schedule for a legal entity? This is not an easy procedure and it consists of the following steps:

The management (director, manager, deputy director, etc.) writes an order to close the account.
The authorities of the fiscal and tax service are notified about this.
The legal entity is awaiting the appropriate permission from the IFTS.
The head (or any other authorized representative of a legal entity who has the right of first signature) must appear at the branch of Sberbank where the contract for opening and servicing a settlement account was concluded with an order to close it and permission from the Federal Tax Service.
An employee of Sberbank generates and issues to the representative of the legal entity an extract on the status of the account and the balance of funds on it.
If a debt is identified, it is necessary to pay all debts (you can replenish the account directly at the bank).
If there are balances of funds, then they need to be cashed out or transferred to another account or card by drawing up a payment order for this operation.
The authorized person of the company (enterprise) must personally write an application for early termination of the contract, in which it is necessary to indicate the reasons and list the unused pages of the checkbook.
After submitting the application to the bank employee, a decision will be made within one working day.
Upon making a decision, the bank is obliged to notify the client in writing about it.
Having received confirmation of the termination of the r / s, the head must, in turn, notify all important authorities (PF, NS, etc.) about what happened.

Is it possible to close accounts through Sberbank Online

Many are interested in how to close a personal account through Sberbank Online and whether this is possible. An account can be closed ahead of schedule not only at a Sberbank branch, but also through the Sberbank Online system or the application of the same name on the phone. This procedure is as follows:

In confirmation of closing the card or deposit, a message should be sent from Sberbank to the phone number linked to the account.

Any Sberbank card product has a limited validity period. Many types of plastic cards are able to work for several periods and are closed only at the request of the client. Read about the procedure for closing a card account in the article.

Closing a Sberbank payroll account

After the dismissal of an employee who participated in the salary project of Sberbank, the card is closed or left for further use.

1. When choosing the first option, the client contacts the bank branch where the card was issued and writes an application to close the account. This document is drawn up on a special form or in any form. Together with the application, it is necessary to return the plastic card to the bank employee, having previously reset it to zero.

If there are rubles and kopecks left on the card that cannot be received in, then the rest of the money will be issued from the personal account. After that, it is closed, and the "plastic" itself is cut in the presence of the client. To confirm the closure of the card account, at the request of the former cardholder, he is issued a certificate of this operation.

2. If the owner of the card intends to use it in the future, then he needs to visit the bank to transfer the card from one category to another. To do this, the client writes a statement where he asks to transfer his card from to personal. The conditions on the card will not change, but the owner himself, and not his employer, will pay for the annual service.

3. When moving from one place of work to another, the Sberbank card holder does not reissue it, but simply reports the personal account number to the accounting department for salary transfer.

Closing a Sberbank credit card account

How to close without consequences:

1. A credit card user who decides to close it before the expiration date applies to the bank. He is given an application form for closing an account. Once completed, the document will be submitted for review. The verification period is 30 days. When the bank makes sure that there are no debts on the card, the account is closed.

Information about this is sent via SMS to the client's phone. To confirm this operation, he is given an appropriate certificate. Simultaneously with closing the account, it is necessary to disable all services on it. These include: informing about transactions through the Mobile Bank, insurance, and others.

2. Since a plastic card of any kind is the property of the bank, it must be returned to a credit institution. The exceptions are Credit Momentum, Maestro and Visa Electron cards. In the event that an amount exceeding the amount of the debt has been deposited on the credit card, the excess will be issued to the client through the bank's cash desk.

3. If there are credit card debts, closing the account is possible after repayment of the principal debt, interest and for delay, if any.

4. In the case when the client received a credit card, but did not use it, it is possible to simply refuse the card by writing an application to close the account. This must be done no later than 30 days before the expiration date of the "plastic".

5. If the card is lost or stolen, you must first block it. Then contact the bank and declare in writing the closure of the personal account.

Application for closing a Sberbank card account: sample

If additional cards have been issued to the bank card, then when closing the account, all of them must be transferred for destruction.
If the card account has additional accounts, then they must be reset to zero simultaneously with the closure of the main one.
When destroying a card in a bank, it is necessary to ensure that the magnetic strip is cut.

Due to various circumstances, legal entities have to face the process of liquidating their current account with a financial institution. Consider, using the example of Sberbank, what needs to be done for this, in addition to submitting an application for closing a current account.

Why close r / s

Most often, the reasons for the closure of the r / s are:

liquidation and/or bankruptcy of a legal entity;
termination of business activities;
transition to full settlement and cash services to another bank;
reorganization, as a result of which the name of the organization, form of ownership, etc. is changed.

How to close a checking account

All legal entities that are serviced by a financial institution can be conditionally divided into two main groups: enterprises (and firms) and entrepreneurs.

Depending on the type of legal entity, the termination of its cooperation with the bank has characteristic differences.

The decision to liquidate the account of an enterprise is made by its head or a meeting of shareholders and then drawn up with a whole list of necessary documents, in the second case, the decision is made solely by the account owner, who acts only at his own discretion and dispenses with paperwork.

Termination of service of the enterprise

To close a current account with Sberbank, a legal entity needs:

if the bank still has balances, they must be transferred to another account. At the same time, you should not forget that you need to leave a certain amount of money to pay for all possible commission expenses, for example:
then write an application for a cash flow statement indicating their balances;
contact the branch of Sberbank where the enterprise is serviced;
make a decision to terminate cooperation with this financial institution. At an enterprise or organization, the head issues an order to close the account or the collegial body makes an appropriate decision, which is drawn up in the minutes of the meeting;
- payment for subscription services;
- commissions for non-cash transfer of funds or for their issuance at the bank's cash desk;
- closing fees;
- others;
pay off all existing debt to a financial institution;
submit to Sberbank an application in the established form for closing the account with an indication of the reason;
receive appropriate notice; on the basis of it, a declaration is filled out, which is then submitted to the tax office at the place of registration of the enterprise.

Termination of service for the entrepreneur

How to close an IP current account in Sberbank? Much easier than a legal entity with some form of ownership. To do this, you just need:

come to the branch of the bank where the IP is serviced;
find out cash balances on the account;
submit an application for the termination of the account, where it is necessary to indicate the payment details for transferring the balance of funds;
pay off all debts to the bank;
receive a notice of the termination of work of the account and submit it to the tax office.

An application for terminating the work of a settlement account is filled out only with his own hand and only by its owner or by a person who, according to an agreement with the bank, has the right to dispose of the account.

How to close a bank account: Video

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How to close an IP account correctly and quickly

In any business, situations may arise when it is necessary to close the IP current account. This process can not be called laborious and complicated. In most cases, such a need arises when a business activity is terminated or a bank is changed to another one that is more profitable in terms of service.

How to close a current account in the IP bank? In general, this procedure is quite simple, the main thing is to comply with all the requirements and a clear algorithm of actions that will be discussed in the article.

Reasons for closing a current account

According to the current legislation of the Russian Federation, a financial and credit institution or an individual entrepreneur can terminate an account opening agreement at any time. As a rule, the closure of an IP account is carried out by mutual agreement. Sometimes the closure of an individual entrepreneur's bank account occurs automatically if the contract has expired and neither party is interested in continuing cooperation. Although in practice, no bank wants to lose its client and will continue to offer its services.

Reasons for closing an account may include:

termination or suspension of entrepreneurial activity;
liquidation of a banking institution;
a court decision if the businessman does not comply with the laws;
transfer to another financial institution.

Procedure for closing a bank account

How to close a bank account for an individual entrepreneur? To do this, you must perform the following steps:

collect a package of necessary documents;
pay all accounts payable to the financial and credit organization and other counterparties;
cash out the remaining amount;
send an employee of the credit organization an application for closing the IP account;
receive notification of the closure of the IP account.

Verification of the submitted documentation may take time (depending on the internal policy of the financial institution). Some of them provide such notification immediately after the acceptance of the application. To find out how long it will take, review your service contract.

Tip: before closing an account, a self-respecting company will definitely notify its customers and business partners about this. This will eliminate the difficulties in transferring funds to non-existent details. You can report this in any form - an official letter, SMS mailing list, fax notification.

List of documents

Having decided to cooperate with a particular bank, the entrepreneur collects documents for opening an IP account and concludes an agreement. As a rule, it contains a clause on termination, including the conditions and a list of papers required for this. Their list may vary depending on the policy of the bank itself. For example, some financial and credit organizations may require an extract from the USRIP, while other banks are limited to notification of the balance of money and the limit of financial transactions.

When closing an IP, you must prepare the following documents:

an application to terminate the service agreement (manually executed by the applicant);
statement of funds remaining in the account;
limit of financial transactions;
registration papers - an extract from the USRIP, certified by a notary (in some banks).

Tip: the bank does not have the right at the time of closing to demand securities that are not listed in the main agreement. This aspect can be discussed with the manager of the financial and credit organization by contacting in person or by phone.

Application for closing an account

In order to terminate financial relations with a bank, you need to prepare an application for closing an individual entrepreneur's account with a bank. As a rule, each credit institution has its own established samples. They can be obtained by contacting the bank directly or found on the official website of the institution.

The entrepreneur must fill out and sign the application on his own. If he entrusted this action to a third party, a notarized power of attorney for the representative will be added to the list of documents provided.

Closing an account upon termination of business activities

Many are interested in when to close the current account when closing an IP? The legislation of the Russian Federation does not provide for such an obligation upon liquidation of a company. But since most banks charge a service fee, it is more profitable to close it after the termination of business.

Deadlines and restrictions on when to close a current account are not defined. However, it is most convenient to do this immediately after the liquidation of the company, regardless of the specifics and types of activities.

Account closure notice

Despite the fact that closing a current account is an optional procedure even after the liquidation of an enterprise, until recently, when performing it, a businessman had to report this to state authorities without fail.

When closing a current account, an individual entrepreneur must notify:

Pension Fund of the Russian Federation;
FSS (if the entrepreneur has hired staff).

Failure to comply with such requirements entailed a number of fines: from 5 thousand rubles. in the tax service and 1-3 thousand rubles. in the Pension Fund and the Social Insurance Fund (depending on the timing of non-compliance with the rules). 7 working days were given to submit such notification.

But due to changes in the legislation of the Russian Federation in 2016, there is no need to notify any of the above services. This function is entrusted to the financial institution itself.

Important! If you terminated the service agreement with the bank, it is he who must send a notification to the Federal Tax Service, the FSS and the Pension Fund.

Features of closing an IP current account

Closing a current account of an individual entrepreneur is an ordinary procedure that a businessman can carry out on his own, without involving intermediaries. At the same time, it is important to follow the specified sequence of steps and notify the bank of your intentions in a timely manner. In this case, the opportunity to save your own money will depend on the promptness of the actions of the entrepreneur, because. Many banks charge a monthly fee for maintaining a current account. For some features of closing an account with an IP bank, see the following video:

How to open a bank account for an individual entrepreneur

By law, an individual entrepreneur is not required to open a checking account. However, non-cash transactions are convenient for business. There are situations when a bank account is not needed by an entrepreneur. For example, if the activity of an individual entrepreneur is terminated or a businessman wants to use the services of another institution that offers favorable service conditions.

The procedure is not difficult. But you need to comply with all the requirements of the bank when terminating the activities of the IP. This will avoid adverse consequences associated with additional costs for IP. The procedure can be completed independently or with the assistance of law firms providing this type of service.

Grounds for terminating the agreement

In accordance with the legislation of the Russian Federation, either party can terminate the contract. You need to close the bank account automatically if the agreement has expired.

Credit institutions rarely act as initiators of termination of relations with clients. Termination of the agreement for them is a loss of income.

The contract is terminated in the following cases:

termination of the activities of the IP on a voluntary basis;
issuance of a court verdict on closing the status of an individual entrepreneur.

The businessman himself comes to the decision to terminate the agreement with the bank when another institution offers favorable terms of service or the legal activity of the entrepreneur ends.

Closing stages

The procedure for liquidating a current account provides for the sequential passage of the following stages:

Preparing information and documented information for closure.
Reimbursement of funds against fines to contractors and institutions.
Withdrawal of the remainder.
Submission of a completed application for closing an account.
Notification from the bank about the completion of actions to terminate the relationship with the client.
Issuance of a certificate of account closure.

According to the legal acts of the IP, it is not necessary to notify creditors and partners about the liquidation of the account. However, this must be done. Subsequently, such actions will help to avoid misunderstandings. For example, when a partner transfers funds to inactive details.

The established form of notifications has not been developed. This must be done in a free form in written or electronic format.

Documents to close

Each bank requires a different list of documents for account liquidation. Usually, the list includes an application, an identity document, a registration certificate, etc.

You should study the account maintenance agreement. It details the termination procedure, including a list of documented data to close. It is impossible to demand other information, since actions can be appealed to state authorities.

If the contract does not specify a list of data, then you should contact the bank office or call the hotline. There are no mandatory clauses in the law.

First steps

Before submitting an application for liquidation of a current account, preparatory activities should be carried out:

Get an account balance statement. You can get information at the bank office.
Pay off the debt to the party (service fees, credit limits, fines, penalties, etc.).

Balance withdrawal

Before closing the account, you need to receive the remaining funds.

You can do this in two ways:

in advance through a plastic card or cash desk of a credit institution;
immediately at the time of liquidation, noting in the appeal for the party the method of receiving cash (on a plastic card, through the cash desk).

Application for liquidation

The application must be made in the form approved by the credit institution.

The appeal contains the following information:

the amount of the balance and credit limit for individual entrepreneurs;
method of withdrawing the balance (cash, non-cash), details;
signature of the individual entrepreneur or his representative (with a mandatory indication of the presence of a notarized power of attorney).

Bank Notice

The bank considers the submitted application, checks whether the client has debts and other information. Officially, the agreement is terminated at the time of transfer of the IP address. In fact, actions are not taken immediately.

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.

Closing a current account with Sberbank

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

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.

How to close a current account in Sberbank

early;
upon expiration of the contract.

There are several reasons for closing bank accounts:

loss or theft of a plastic card (credit card or debit card);
expiration date;
liquidation of a legal entity;
reorganization;
division of the company into several independent branches;
change of account owner;
switching to another bank, etc.

Close an individual account

To close, an individual must:

Withdraw money from a plastic card. Not a single penny should be left on it. Since an ATM does not dispense funds in kopecks, this can be done through the Sberbank cash desk at the branch when applying, or you can use the Mobile Bank or the Sberbank Online service and transfer funds to another card or top up your phone, taking into account the commission.
Have all the necessary documents with you (the plastic card itself and a passport, if we are talking about closing a deposit, then you will also need an agreement on opening it).
Personally appear at any branch of Sberbank (preferably at the place where you concluded the contract).
Write a statement in which you state the essence of your appeal to Sberbank and indicate the reasons for your actions.
Give the plastic card to the manager. He must destroy it in your presence (usually they cut it). You can also do this yourself at home.

Attention! In case of early closing of the deposit, Sberbank calculates accrued interest at a lower interest rate than that stipulated in the agreement.

Close sole trader account

Contact the Sberbank branch where the opening agreement was signed.
Carry all the required documents with you (certificate of registration of an individual entrepreneur, plastic cards linked to this account, an extract on its condition and balances on it, a passport or other document proving the identity of the entrepreneur, confirming certificates of repayment of debts to Sberbank, an agreement and others as needed).
First make sure that you do not have any debts to Sberbank, and if there are any, replenishment will be required, otherwise your appeal will not be satisfied.
Cash out the account if there are balances on it.
Personally write a statement with a request to close the account and indicate the reason, and transfer it to a bank employee.
Request a certificate confirming the fact of closing the account and the absence of debts.

Close a legal entity account

How to close an account with Sberbank ahead of schedule for a legal entity? This is not an easy procedure and it consists of the following steps:

The management (director, manager, deputy director, etc.) writes an order to close the account.
The authorities of the fiscal and tax service are notified about this.
The legal entity is awaiting the appropriate permission from the IFTS.
The head (or any other authorized representative of a legal entity who has the right of first signature) must appear at the branch of Sberbank where the contract for opening and servicing a settlement account was concluded with an order to close it and permission from the Federal Tax Service.
An employee of Sberbank generates and issues to the representative of the legal entity an extract on the status of the account and the balance of funds on it.
If a debt is identified, it is necessary to pay all debts (you can replenish the account directly at the bank).
If there are balances of funds, then they need to be cashed out or transferred to another account or card by drawing up a payment order for this operation.
The authorized person of the company (enterprise) must personally write an application for early termination of the contract, in which it is necessary to indicate the reasons and list the unused pages of the checkbook.
After submitting the application to the bank employee, a decision will be made within one working day.
Upon making a decision, the bank is obliged to notify the client in writing about it.
Having received confirmation of the termination of the r / s, the head must, in turn, notify all important authorities (PF, NS, etc.) about what happened.

Sberbank may refuse to close an account in the following cases:

the court seized the r / s;
there are unpaid invoices issued before the closing date;
there is a debt to the tax office;
the account has a blocked amount.

Important! Sberbank can also act as an initiator if any violations of the terms of the agreement were noticed for the legal entity or not a single transaction was made on the account for the last 24 months.

Is it possible to close accounts through Sberbank Online

Open the application or log in to the Sberbank Online system on a PC.
Open the corresponding section "Deposits and accounts".
Select the menu item "Close account".

Enter the data in the electronic application form.

Specify the account or card number for transferring the balance of funds.

Click "Next".

Then "Close".

In confirmation of closing the card or deposit, a message should be sent from Sberbank to the phone number linked to the account.

Closing an account with Sberbank

A bank account can be opened by individuals and legal entities, as well as individual entrepreneurs. The opening takes place according to the signed contract. It is in it that the terms for opening and closing an account, as well as the terms of service, are indicated.

Closing can be done in two ways:

ahead of schedule.
at the end of the contract period.

In the second case, there are no problems, but in the first there are some features. This will be discussed below.

There are several reasons for closing an account:

Theft or loss of a bank card.
Expiration date of plastic.
Reorganization or liquidation of a legal entity.
Division of the company into branches.
Transition to services in another financial institution.
Change of account owner.

The account can be closed only by the one who opened it or his authorized representative (documented through a notary).

Often individuals are interested in how to close an account with Sberbank? Today we will tell you about the actions that you need to take.

To get started, call the hotline for a detailed consultation on this issue.
After that, you need to come to the bank branch with a passport, and draw up a written application to refuse the service. You can see an example of a statement here.

Make an extract - you should not have any debts. If there are debts, they must be paid off, otherwise the card will not be closed.
Be sure to check the balance and withdraw the balance of funds or transfer them. Otherwise, the company will pay you only after 45 days.

After signing all the documents, the client transfers the plastic to the bank employee, who destroys the card: cuts it, damaging the magnetic tape. Next, the manager must issue a document that confirms the closure of the current account and the absence of debt to the creditor. The same procedure is followed when closing a savings account or a debit card.

Important! If we are talking about terminating the deposit agreement, then interest is recalculated at a lower rate specified in the agreement (usually 0.01%).

Through Sberbank Online

Remote closing of an account in the system is possible when it comes to a deposit. For this you need:

Sign in to the service.
Open the "Deposits and Accounts" section.
Select "Close account".

Enter the required data.
Indicate the current account or card number to which the remaining funds will be transferred.
"Further".
"Close".
Confirm with SMS code.

As soon as the message “Completed” appears on the screen, it is no longer possible to cancel your request.

After accepting the application, you will be sent a message about closing the account, if you are a legal entity, then you must additionally contact the tax office.

Closing an IP account

The process consists of the following steps:

Contact the branch where the account was opened.
You need to have documents with you: a certificate of registration as an individual entrepreneur; plastic bank cards that are linked to this current account; passport or other identity document; papers confirming the repayment of all debts to Sberbank; an agreement with a creditor, etc.
Make sure everything is paid off in front of the bank. If there are balances on the account, then cash them out.
Write an application for closing the account, and then pass it on to the manager.
Ask the bank for a certificate of the absence of debts and the end of cooperation.

Closing a legal entity account

An order to close a current account is issued by the company's management (director, deputy director, manager, etc.).
This is reported to the tax authorities, and the legal entity is awaiting a decision from the IFTS.
The head visits the Sberbank branch where the current account was opened, with an order to close it and permission from the tax office.
The manager gives him an account statement.
If there is a debt, then it must be paid off. If there are balances, then they can be transferred to other current accounts or a card, as well as cashed out. For this, a payment order is drawn up.
The head of the company personally writes an application for early consideration of the contract, indicating the reasons for this and the numbers of unused pages from the checkbook.
The decision on the application is made within 1 day. The bank then informs the client in writing.
After receiving confirmation of the closure, the head informs the main authorities, such as the National Assembly, Pension Fund, etc.

Refusal to terminate the current account agreement may be received in the following cases:

Seizure of a checking account by a court.
Unpaid debts.
Debt to the tax authorities.
The presence of blocked amounts in the account.

Attention! Sberbank may require the account to be closed if no transactions have been made within 24 months or any violations of the agreement have been identified.

How to close an account with Sberbank: step-by-step instructions for individuals and individual entrepreneurs

Sberbank is one of the largest financial institutions in Russia. Almost every adult citizen deals with it. This financial institution offers many services. For example, here you can open a bank account for an individual entrepreneur, organization or individual. To do this is not so difficult. But sooner or later you will have to think about how to close an account with Sberbank. Can this be done before the end of the agreement concluded with the company? What features of the procedure should be remembered? Having understood these issues, everyone will be able to close accounts with Sberbank without any problems.

Is there a right

The first step is to understand what rights each client of the mentioned financial organization is endowed with. Is it possible to close an account with Sberbank? When does a citizen get such a right, if it exists at all?

After opening any account with Sberbank, the client can close it at any time. To do this, it is enough to follow some rules. They will be discussed later. Accordingly, an open account can be closed when its owner wishes. It should be noted that the procedure for closing settlement accounts of individuals and individual entrepreneurs will be slightly different. Nevertheless, in general, this operation does not cause any particular difficulties.

Who can close accounts

How to close an account with Sberbank? Who is entitled to this? After all, not every citizen can carry out operations with one or another account.

Close accounts in any banks can:

account holders;
proxies sent by the account owner.

Strangers cannot make transactions with other people's accounts. Sberbank is not too willing to work with closing deposits and cards through proxies. Therefore, as a rule, this operation has to be carried out by the one in whose name the account is opened (or the owner of the individual entrepreneur / company).

Closing a debit card

Closing an account with Sberbank is not so difficult. Let's start with transactions conducted by individuals. They are the most common in practice. The first situation associated with closing an account with Sberbank is the refusal to use a debit card. She has a checking account where money is kept. It is he who will be closed if bank plastic is refused.

To bring the idea to life, you need:

Withdraw all money from a bank card. For example, you can use an ATM to get cash.
Prepare documents for closing an account. Their list will be presented below.
Contact any branch of Sberbank and write an application for refusal to use a debit card.
Give bank plastic to employees of a financial company. Before the eyes of the owner, the card must be destroyed. Otherwise, you can cut the card at home yourself.

After the actions taken, Sberbank will issue a certificate to the citizen about closing the account, as well as about the absence of debts to the company.

To close a debit card, you will need:

bank plastic, which is no longer needed;
owner's passport.

No other papers from an individual are required. You can refuse a Sberbank debit card and its current account in a few minutes.

Map and theft

Sometimes it happens that debit cards are stolen. Then you need to think about how to close an account with Sberbank, to which bank plastic is attached. There is nothing special about this situation. Even in the absence of a bank card, you can close it and refuse to use the assigned current account.

For this you need:

Block an existing bank card. Sberbank allows you to do this using Mobile Banking or the Sberbank Online service. The simplest solution is to submit a written request for blocking, stating the reason “lost/theft of the card”.
If a citizen decides to personally apply for a block, you need to contact any Sberbank with an identity card and a request to terminate the card.
Simultaneously with the application for blocking, you must submit an application for closing a bank card. There is no need to recycle plastic.
Withdraw money from a bank card. As a rule, after closing an account with Sberbank, they meet halfway and issue the required funds through the cash desk of the organization.

Nothing else is required. After the described actions, the debit (or credit) card will be closed. Her checking account will also be closed.

Credit cards

A few words about how you can close a Sberbank account linked to a credit card. In general, the operation will be similar to the previously proposed algorithms. But there is one more thing that needs to be done before the account is closed.

Closing a Sberbank credit card comes down to the following algorithm:

Clarify the debt on the "credit card". If it is missing, you can use the previously suggested actions to close the account.
If there is debt on the credit card, it must be closed. Only then will it be possible to accomplish the task.
Contact Sberbank with a card and passport. Write a letter to close an account.
Get a statement about the operation.

Technically, there will be no problems with closing an account. No evidence of the absence of credit card debt is needed - Sberbank employees check the presence of debt on the spot. If it is available, they simply refuse to accept the application and ask you to pay off the debt first.

savings account

How to close a savings account in Sberbank? In general, this operation is no different from the operations for closing accounts linked to bank cards. In this case, you need:

Write an application for account closure.
Submit a document with an identity card and an agreement to open an account with Sberbank.
Get a certificate about the successful completion of the operation.

Now it’s clear how to close a current account with Sberbank. But this scenario is relevant for those who personally apply to a financial institution. Individuals can manage their accounts through Sberbank Online.

Closing via Sberbank Online

It is very comfortable. Without leaving home, a citizen can apply to close an account. What will be required for this?

To close an account with Sberbank through Sberbank Online, you need to:

Go to the service page, go through authorization in it. You can use both a permanent login and password, and temporary ones (they can be obtained through an ATM).
Go to the "Deposits and Accounts" section.
Select the required current account or deposit. To do this, select it with the mouse cursor.
In the field located on the right side of the window, select the item "Closing an account".
Fill out an application. In the "Transfer balance to. » You must specify any other account or bank card to which the funds will come.
Click on the "Next" button, then on "Close".

As soon as the status “Completed” appears on the screen, it will be impossible to cancel the request to close an account or deposit. This method of solving the problem is not often used in practice. Many users complain that closing an account with Sberbank through Sberbank Online can be problematic - the request simply does not go through the processing stage. In this case, you can submit a written application to any branch of a financial institution to close a deposit or account.

Features of early closing of accounts

Now a little about the features of the early closure of deposits and accounts from Sberbank. When opening a deposit or a deposit, a citizen begins to accrue certain interest for using the services of a financial company. You can close an existing account:

ahead of schedule;
at the end of the contract.

If a citizen closes the deposit on the day the agreement is terminated, there will be no special features. The applicant simply takes the money, writes an application for closing the account and receives an extract on the successful completion of the operation.

Early closing of deposits requires special attention. So, if the duration of the deposit is up to 6 months, interest on payments will be accrued according to the “on demand” column. This means that in fact the citizen will not receive any additional money for keeping finances in the bank.

When the funds lie in Sberbank for more than 6 months, and the agreement is concluded for a longer period, when closing the deposit, you can count on additional money in the amount of 2/3 of the available interest rate. Otherwise, the procedure for closing an account/deposit will take place according to the previously specified algorithms.

Instruction for IP

Closing an IP account with Sberbank is also not very difficult. Technically, this process does not cause any difficulties.

The procedure for closing a current account of an individual entrepreneur is described as follows:

Collect certain documents and information necessary for the implementation of the task.
Close all debts to the bank and counterparties. The entrepreneur at the time of closing the account should not have a single debt or unpaid fine.
Withdraw funds remaining in the account. When closing, its balance should be 0 rubles.
Write an application for account closure. Take it to any branch of Sberbank.
Obtain a certificate of account closure from a financial institution. Along with this, the entrepreneur is given a notification of the successful completion of the action.

In connection with the latest changes in the legislation of the Russian Federation, the last step is not obligatory. It is no longer necessary to notify the Federal Tax Service of the Russian Federation about the closure of accounts. This applies to companies, entrepreneurs, and individuals. From now on, it is clear how to close a current account with Sberbank.

Documents for IP at closing

Entrepreneurs, unlike individuals, will have to prepare more documents in order to terminate cooperation with the bank. What papers are required?

To close an account with Sberbank, an individual entrepreneur must submit the following documents:

IP registration certificate;
account balance statement;
identity card of the applicant (entrepreneur);
account opening agreement;
documents indicating the repayment of all debts of IP.

More detailed information must be clarified using the existing agreement with the bank. It contains a complete list of documents required to close an account. For example, with an individual entrepreneur they may require a certificate from Rosreestr on state registration.

Will Sberbank accounts be closed if a citizen or individual entrepreneur has a debt? No. As already mentioned, one of the most important points for translating the task into reality is the absence of debts. Until they are repaid, you can forget about closing accounts and deposits. Otherwise, it is clear how to close a Sberbank card account. This operation will no longer cause any difficulties.

Sberbank application for closing an account

It all started with ordering a card (classic currency visa) in 2008. The card was issued, but it didn’t reach the branch, then I didn’t use the SberBank online system yet, or it didn’t even exist, but since I didn’t receive the card, I don’t know that it is listed for me.

Time passed, and I received new cards, signed UDBO, and at one fine moment I connected SberBank online.

When I first entered, I was surprised that this card was registered with me and was not closed. I contacted the bank branch to close it, wrote the relevant documents and forgot about it completely, set it not to be displayed in the settings.

(09.2011) Time passed and I wanted a card with an individual design. Since these cards are ordered only via the Internet. The first problem was that there was no branch in the list of branches on the site where I was served (although it is the main one in the city) hmm. I was surprised, I wrote in those support. And the problem was fixed (not immediately true, but fixed). Then I began to order the card itself. Ordered and received a tracking number. Two months have passed Sber neither hearing nor spirit. I started asking at the department what and how. Deputy joined. branch manager Irina Vladimirovna (I am grateful to her for the back-breaking work that was carried out in relation to my banking products). This is a highly qualified employee who competently was able to help me. She did everything in her power, but she asked me not to forget that they were just extra. office. So we started looking for a card with an individual design.

As it turned out, for two months the application just stuck somewhere (where no one told me), after we intervened, the matter got off the ground. A few days later I saw the details of the new card. And I was already hoping to receive it in the department. As time passed, the deadlines for the delivery of the card approached ... but the card itself was never in the department. We wrote statements over and over again.

Finally, I ran out of strength to wait, and I asked to close this card (of course, accompanying this with an application to close the card).

The most interesting begins after October 2011. As I did not ask. As I did not write, they did not want to close the card. I tried to contact the Bank through all contacts. And the call center repeated requests, feedback on the site, constant questions about the closure of this card, social media (Ekaterina Lobanova Facebook), bank branches (not at the place of account maintenance, since I moved and no longer live in the city where my accounts are maintained , I try to do everything remotely, SberBank involves writing an application at any branch of the Savings Bank in Russia).

Constant long conversations with the call center, all employees need to be told that I ordered a card that year, and that it did not come, and that I was charged for the annual service.

In general, I was able to initiate the account closing procedure only on April 5, 2012. The bank said that it would close the card in 45 days! Here is a quote from the Sberbank letter:

"Customer Question:
The client Nikitin K.S. applied to the MCC. with the requirement to close the account of card 4276610010340565 and card 4276610010072077.1) According to the client, in September 2011 he filed an application for issuing a card with an individual design. However, until now, the client has not been able to receive the card;

The client has filed an application to close the account. Currently, the database of Sberbank of Russia contains the following information:

— there is no information about the closing of the card account,
- card spending limit 4276610010340565 - minus 1,250 rubles.

The client requires to take measures to cancel the fee for servicing a bank card for the first year, in the amount of 750 rubles from 09/12/2011 and to cancel the fee for issuing a card, in the amount of 500 rubles, as well as to take measures to hand over the card and close the card account . On 03/27/2012 12:38:27 pm, actions were taken to return the card 4276610010072077. The client asks to close the card account. The application for closing the card account by the client has been executed.

This is the response I received from the bank:

"Reply to the Client:
In response to your appeal, received by the Central Chernozem Bank of Sberbank of Russia OJSC, we would like to inform you as follows. The account of the currency bank card indicated in your application will be closed after the completion of the measures to resolve disputed transactions after 45 calendar days (the card was returned on 03/27/2012). At the same time, we inform you that measures are currently being taken to close a bank card account with an individual design in your name and cancel the fee charged by the Bank.

Thank you for your contact. We apologize for any inconvenience caused".

Strangely, they know that I did not receive the card, but they all want to carry out closure measures on it! (It seems that there will be some kind of transaction on it) + it turns out that they did not close the currency one either. In addition to all this, I have an amount of 1250 on a card with an individual design authorized (for six months I cannot use my funds).

A huge minus for the fact that the delivery time of the card, the deadlines for closing the cards and the complete disregard for the client (they are probably the same as the giants of SberBank) are violated.

That's the attitude to the client! Yes, they delete comments on Facebook! Why then did they create a social media page on Facebook to delete customer comments! Who want the bank to get better. I ask the bank to comment on this post, and the Banki.ru portal to give the bank a negative score.

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