Opening a bank account is implied by many credit products that you can use: bank cards, deposits, loans and a number of others. Therefore, it is better to proceed from the one that interests you. There are, however, and current accounts that are not tied to these banking products.
It is necessary
- - passport;
- - personal visit to the bank branch;
- - money for the first installment, if required, or the amount of the deposit;
- - additional documents identifying you and confirming your solvency, if a loan product is issued.
Instructions
Step 1
After you have chosen a bank and one or another of its products related to opening an account, during business hours, contact its nearest branch (branch, office) that works with individuals. Tell the clerk about your desire to start a specific product or ask for advice on possible options. Ask all the questions that remained unclear for you during the preliminary collection of information (for example, on the bank's website).
Ask for familiarization with the standard text of the agreement regarding the product of interest (current account, deposit, loan, etc.) and the bank's tariffs for everything related to its service. Pay special attention to what is written in small print. Ask for clarification if something is not clear.
Step 2
If you have not found any contraindications to the use of the selected product, you can proceed with the registration of relations with the bank.
If you do not apply for a loan, only a passport is required from your documents. If they want to borrow from the bank, the employees of that will usually want to see an additional document (driver's license, international passport, certificate of assignment of TIN, etc., most often one to choose from) and proof of income (certificate from work in the form of 2NDFL, arbitrary or according to the form of the bank, the history of receipts to accounts in other banks and so on, other options are possible depending on the bank's policy).
Step 3
An additional condition for opening an account can be the deposit of a certain amount of money on it: a minimum balance, a commission for an annual service (or issuing a bank card), or simply a minimum down payment. When you open a deposit (this is the name of the account to which you deposit free money, transferred to the bank for temporary use for a fee in the form of interest), depending on its conditions, the entire amount or the first payment is not less than a certain amount.
Upon completion of all formalities, the account is opened. But if it is tied to a bank card, it will take time to issue it, usually on the order of a week.
