An individual entrepreneur can cash out money from his current account in three ways: 1) in cash by check; 2) by bank transfer to any of his own account of an individual on a payment order on paper; 3) by bank transfer to his current account of an individual, filling out a payment order through Bank-client system.
It is necessary
- 1) During a personal visit to the bank:
- a) passport;
- b) a checkbook drawn up in a bank (when withdrawing cash by check);
- c) details of the beneficiary's account when making a payment order;
- d) number of the generated payment order;
- e) fountain pen;
- f) printing.
- 2) When using the Bank-Client system:
- a) computer;
- b) Internet access;
- c) connection to the Bank-Client system of your bank;
- d) a file with access keys to the Bank-client on an external medium or on a hard disk of a computer;
- e) details of the payee.
Instructions
Step 1
To withdraw money by check, you first need to issue a checkbook with your bank. This will require a passport, a fountain pen and a stamp. With them, you need to contact the legal entities service department of your bank and fill out a set of necessary documents. In some banks, a checkbook is made on the day of contact and is ready in no more than an hour. In others, it may be provided within one to three days.
Step 2
You can generate a payment order in hard copy on your own computer, it is better to do this with the help of an accounting program. Then it must be printed, sealed and signed, taken to the bank and given to the clerk. You will also need a passport, the alternative is to come to a bank branch and entrust this work to a clerk (they will not take money for his help). But in this case, you need to be ready to provide her with the number of the payment order (for this you need to keep records of all your payments) and the details of the recipient. It is best to print them from the official website of the bank, to which the money is transferred.
Step 3
Usually, the BIC of the beneficiary's bank and the number of his current account are enough; the recipient's TIN may be required.
Step 4
To withdraw money remotely, we log into the Client Bank (do not forget to connect an external medium if the access keys are stored on it) and generate a payment order, verify it, secure it with an electronic digital signature and send it to the bank using the system interface. It is usually very simple. It is better to copy and paste the details for a transfer through the Bank-client system from the official website of the recipient's bank. If you transfer money to your own account in another bank, it is optimal to open your Internet banking in it and copy and paste the account number from there. When transferring to the account of a third party, ask him to send the details in electronic form, preferably taken by copy-paste from Internet banking (client bank).
Step 5
It is best to transfer money to an individual's current account attached to a plastic card. After waiting for their receipt to the account (it is best to connect the service of SMS notifications and e-mail notifications to it in order to promptly receive information about all movements of money), you can withdraw money from the nearest ATM. It is better to use for these purposes the devices of the same bank where the account is opened. In this case, most credit institutions do not charge a commission for issuing cash.
If there is no plastic card, it remains to withdraw money at the cash desk of the nearest bank branch in which the individual's account is opened.
