Any person who has reached the age of majority can open a bank account. When concluding a service contract, he can act as a private (natural) person, as an individual entrepreneur without forming a legal entity, or as a legal entity representing any organization.
It is necessary
- - passport;
- - money.
Instructions
Step 1
When concluding an agreement with the bank for service as an individual, it will be enough for you to take your personal passport and a certain amount of money with you. So, in Sberbank of Russia, the minimum amount for opening a bank personal account is 10 rubles. If you are a citizen of a foreign state, then in order to open an account you will also need to provide a document confirming your right to stay in Russia.
Step 2
Explain to the bank employee working in the deposit operations department which account you need, ruble or foreign currency, what types of monetary transactions you want to perform with it. Based on your wishes, the most optimal bank account option will be selected for you. Before concluding an agreement, carefully study its terms, pay attention to the interest charged by the bank when its client performs financial transactions.
Step 3
If you are satisfied with the conditions, conclude an agreement for the opening and maintenance of your personal account with the bank, providing its employee with your passport data. Your copy of the drawn up agreement must have the same seals and signatures as the one remaining in the bank.
Step 4
Leave a sample of your signature in a special bank card for its subsequent identification. In the future, all documents signed by you in this banking institution will have to have the same signature as in the sample.
Step 5
After concluding an agreement for banking services, you can deposit funds into your account. This can be done in the window of the bank's operating cash desk, taking with you your copy of the contract, your passport and the amount of money. In some banking institutions, employees independently transfer information about a new client to each other, and in this case you will not have to present a service agreement to the cashier.
Step 6
By opening a personal account, you can immediately order a plastic card, it will allow you to more efficiently manage your funds. In particular, you do not have to go to the bank to withdraw money, you can use almost any ATM. In addition, you will always be aware of all transactions in your account.
Step 7
Some banks additionally offer an Internet banking service that allows you to manage your account over the Internet. In the minimum version, this service only allows you to view financial information. This is quite convenient - you will have the opportunity to view all the details of financial transactions, while you do not have to worry about someone stealing your data and using it to withdraw money from your account.
