A change in bank details may occur due to the fact that the bank has changed its details and details of its clients, in connection with reorganization or for other reasons. Organizations, individual entrepreneurs or individuals can change their details on their own by changing the service bank. How to change your bank details without losses and overlays?
It is necessary
Passport, documents for opening a bank account, computer with Internet access, paper, envelopes, telephone
Instructions
Step 1
If the company decides to change the details, it turns to another bank and opens a new current account of a legal entity or individual entrepreneur there. For this, the bank is provided with a package of documents of an enterprise or individual entrepreneur, required by the bank to open a settlement or current account.
Step 2
After checking the documents by the bank, the parties conclude an agreement for settlement and cash services. The company or individual entrepreneur opens a new current account, and new bank details are reported. Legal entities or individual entrepreneurs have the right to open simultaneously accounts in different banks at their discretion.
Step 3
In the event that a company has decided to completely switch to settlements in a new bank, in order to avoid misunderstandings, it must officially notify all of its counterparties about the change of details. And in the future, conclude an additional agreement with your partners on the change of details, since an additional agreement is a more reliable way of reporting changes in details.
Step 4
Legal entities are obliged to notify the tax authorities about the closure of the old account, the opening of a new account within seven working days. It is also necessary to notify the FIU and the FSS of Russia. For sending notifications, there are special forms that can be printed on the websites of these organizations. There you can also read the rules for filling out notifications
Step 5
Banks must notify the tax office and funds about the change in the account number. The term for notifying the tax office is five days. Banks are periodically checked by supervisory authorities for compliance with this condition.
Step 6
If the old bank account has already been closed or the bank itself changed the account details, the funds transferred to the old account will be credited to the "pending clarification" account. If the client closed the account himself, then the funds will be returned to the sender, or transferred to the recipient according to the specified details.
Step 7
The organization that sent the payment can clarify the details of the payee. A letter specifying the details is sent by fax through the sender's bank. The bank has five working days to clarify all the nuances. The faxed letter is then mailed for confirmation.
Step 8
If the details have changed on the initiative of the bank, usually during a transitional period, until all clients and their counterparties receive the new information, banks ask their clients to provide clarifying letters for the earliest possible crediting of funds to accounts. Banks do everything to ensure that funds are credited to accounts on time.
Step 9
An individual also has the right to open accounts in any banks by submitting a passport to the bank and concluding a bank account agreement. When changing the details, a private person informs about this in the organization, which transfer money to him, for example, salary, benefits or pensions.
Step 10
To notify the employer or another organization, a bank certificate is taken about the new details, and an application is written to change the details and a request to transfer funds to a new account. If an individual is engaged in business, he notifies his clients about the change of details by an official letter. An additional agreement to the cooperation agreement is concluded between the partners.
