Accounts are tied to most banking products used by individual customers (cards, deposits, savings books), but there are also just current accounts. To open any account, you must personally apply to the bank with a passport. A down payment may also be provided.
It is necessary
- - passport;
- - visit to the bank;
- - money for the first installment (not in all cases).
Instructions
Step 1
You should start by choosing the bank whose services you plan to use. It is necessary to evaluate the tariff policy of various credit institutions, the profitability of deposits (deposits), loan rates, the possibility of remote account management - depending on what kind of banking product and for what purposes you are interested.
In any case, it will not be superfluous to study the reviews of the bank of customers, especially those who have experience using the same products that are of interest to you. If this is the first acquaintance with a credit institution, a call to the call center or a visit to the office will also help to form an impression of it.
Step 2
Many banks offer customers to make a preliminary application for a particular product related to opening an account on the website. However, in this case, of course, you will save time when visiting a bank branch, but the visit itself cannot be avoided. In some credit organizations, it is a practice for a clerk to visit the client's territory or meet him in a neutral place, but even in this case, he should see your documents: passport and others, if they are required to open an account. You can find out about their availability and the list of possible options in a specific bank.
And in most cases, a personal visit of the client to the nearest branch is still practiced.
Step 3
When you come to the bank and inform about your desire to open an account, its employees will study your documents and offer you to sign a number of papers. Study them carefully, especially if the account is linked to a loan product. And in other cases it will not be superfluous too. Clarify all the incomprehensible points (you must provide explanations upon request).
Step 4
If opening an account requires a mandatory first installment, make it through the operator you will be dealing with, the bank's cash desk, ATM (if the account is assigned to the card) or terminal. The set of available deposit methods depends on the specific bank and branch.
If your account is linked to a card, it will take some time to produce it in most cases. Although the details for accepting payments to the account, and in many cases the keys from the client bank and the mobile bank, or instructions for activating these services, you will receive immediately upon completion of all formalities.
