Transferring money from a legal entity to an individual is possible only under the following conditions:
Other items of expenses for the implementation of this operation are not provided for by regulatory legal acts, and, if implemented, will be considered illegal.
A transfer to an individual from a legal entity for the purpose of obtaining a loan or credit is used both for employees of the company and for third-party citizens. When drawing up contractual relations with your own employees, you can operate with unlimited amounts of money.
Loan agreement for an individual to a legal entity with collateral
However, third parties can apply for a loan infrequently and not for large amounts of money, otherwise you can attract the attention of regulatory authorities, since in order to obtain the right to lend to citizens who are not employees of the company, a new type of economic activity should be registered in the register and in the statistical authorities.
In order to understand how to transfer money from a legal entity to an individual, you should familiarize yourself with the legislative norms that should justify the conduct financial transaction through the execution of an agreement between the parties to the transaction, which has a civil law status.
If the company is a VAT payer, then mandatory payments in the form of taxes and deductions to Pension Fund, which is transferred to the company's account and included in its expenses.
The employer who is the subject entrepreneurial activity in the status of a legal entity, is obliged to pay wages to employees (individuals). The basis for conducting a financial transaction is a formalized employment contract and the work performed, in accordance with the criteria and requirements of the agreement and job description. The transfer of funds, the purpose of which has the status of a salary, can be implemented on card accounts employees.
Interest free loan agreement
The law regulates non-cash transfer from a legal entity to an individual. It determines the counteraction to money laundering and determines the need for control money transfers to the accounts of individuals in situations where their size exceeds the amount of 600,000 rubles.
The following operations are subject to close attention of bank employees:
Participants in the transaction should take into account that all suspicious activities in banking employees are required to report Central bank. At the same time, a bank that carried out a transfer of money from a legal entity to an individual is prohibited from notifying its customers that information about its transfer was submitted for investigation in order to identify it from a money laundering procedure.
As already regretted it.
Since April 1 (and this, unfortunately, is not a joke), Sberbank slipped its clients - legal entities and individual entrepreneurs - a big bug. Moreover, many clients of Sberbank may not even know about this bullshit yet, but they will only find out when additional funds (and considerable ones!) Are written off in the form of a new commission.
Footnote (20) says that "The tariff also applies to accounts individual entrepreneurs» , footnote (21) - that the tariff applies “including transfers of funds to accounts 40817 opened without reference to bank cards» .
Prior to April 1, 2015, this percentage did not exist. There was a fixed cost of payment - 8 rubles for payment within Sberbank, 30 rubles - for external payments. Now, for many LLCs and individual entrepreneurs, the amount will actually increase many times over. Someone will now have to pay several times more for withdrawal, someone - several orders of magnitude (!) More. And we are not talking about "cashers" at all, but about many types of normal, honest, white and fluffy business.
However, can't we find a way to outwit the greedy clumsy elephant, whom Gref, although he is trying to teach to dance, does not stop being an elephant?
We'll find it, of course. I'm telling.
Go to the nearest branch of Sberbank and open a “Universal Account” there. It will cost 10 rubles, which, by the way, will be credited to your account. This is a demand account, opened for 5 years. The service is free.
Further, at the nearest Sberbank ATM, you connect the Sberbank-Online service to yourself, if you have not already connected it. If you yourself do not figure out how to do this, ask the staff of Sberbank to help. It's simple.
After two or three days, in the Personal Account of the Sberbank-online system, you find both your plastic card account and the “universal account” you just opened. All your accounts opened with Sberbank are automatically linked to your personal account.
Stage 1. Withdraw money to your “universal account”. It will cost you 8 rubles, as before. The 1% commission introduced from April 1 does not apply to such transfers, since the recipient's account is not 40817 (plastic card), but 42307 (universal account).
Stage 2. In the Personal Account, transfer funds from the "universal account" to the account of your plastic card. It's free. Tariffs for "physicists" did not change.
By the way, both operations are almost instantaneous.
Voila! Money on your plastic card, from which, as before, you can withdraw funds without commission at Sberbank ATMs.
However, although the elephant is clumsy, but, as we see, it is greedy. I suppose that sooner or later Sberbank will close this loophole in tariffs. Therefore, it seems that the time has come to think about finding a new bank for your business.
It's a pity, at first I even liked Sberbank. But 1% for the transfer to plastic card- this, from my point of view, is a clear overkill, and this is the commission that I categorically do not want to pay.
Advice on choosing a bank for RKO in the comments is welcome.
Interested in banks with a level not lower than the top 100 in terms of assets / capital and credit ratings according to international versions rating agencies not lower than BB- (i.e. do not offer TKS, Svyaznoy, etc.! :)), with developed Internet banking and inexpensive settlement and cash services for entrepreneurs. In particular, they are interested in banks whose fees for cash withdrawals, or for transfers to the account of a plastic card or an individual, are a fixed amount, and not a percentage of the transfer amount.
P.S.
At the same time, I would have kept the account of an individual and a plastic card of Sberbank if I had found a bank that is ready to transfer money from an individual entrepreneur's account to a Sberbank card with humane commissions. From the point of view of remote servicing of individuals in Sberbank, everything is organized at a very high level.
Transfer of funds to an individual from a legal entity is possible only in three cases:
Money transfers for other purposes are not provided for by the legislation of the Russian Federation and are considered illegal.
The transfer of a loan from a legal entity is possible both to an employee of this enterprise and to other individuals. The limit of transfers to its employees is not regulated by regulatory legal acts: an organization can issue any amount.
In the case of third-party citizens, frequent transfers of large amounts may arouse suspicion among regulatory authorities: only companies that have registered a new type of economic activity in the register and in statistical bodies have the right to lend.
To transfer money to a card as a loan, you need to draw up an appropriate agreement. It should indicate:
Important: the return of the debt is not subject to taxation, however, you need to prove that the money received is just a return, and not income. To do this, when transferring, you need to indicate the purpose of the payment and, if necessary, confirm the operation with documents.
If a transfer to a card to an individual from a legal entity is carried out for the purpose of buying back products or paying for services rendered, then an agreement on the transaction must also be drawn up. In this case, personal income tax is withheld from the recipient and transferred to the budget at a rate of 13%.
If a citizen is in an employment relationship with the company, which is confirmed by a signed employment contract, then the transfer of funds to a card to an individual from a legal entity can be formalized as a payment of wages. Such transfers should also be subject to personal income tax at a rate of 13%.
Important: in the annual declaration, a legal entity must account for all transfers, including to individuals on bank accounts, and pay income tax. If the enterprise does not do this, then personal income tax is levied on the citizen who receives the money.
After the sending company generates payment registers and sends the transfer order, the bank will start processing the payment. This may take from one to several days, depending on the time at which the documents are submitted and how well they are executed.
All settlement operations produced within banking day, which most often ends at 16:00.
Important: the exact time depends on the bank branch, region and currency in which the transfer is made.
The amount of the commission for a transfer to an individual from a legal entity depends on which bank the transfer is made through. The percentage can vary from 0.5 to 10% of the total amount.
Important: the maximum commission amount is not limited
For example, in Sberbank transfer fee is 1.1% of the amount, but not less than 115 rubles per transaction. Commission fee does not apply to the payment of wages, as well as to social and insurance contributions.
AT VTB 24 The commission depends on the amount of the transfer. So, if you send up to 6 million rubles a month, the bank will take 1% of the operation. Transfers above this amount are subject to a 10% commission.
Important: if the company has an agreement with VTB on salary project, then the transfer of wages to employees is not subject to commission.
In addition, for any transfer to the card, which the tax authorities can accept as undeclared income of an individual, you need to make 13% deductions.
The bank is obliged to report all suspicious deductions in favor of an individual to the Central Bank or the Federal Tax Service. Upon the fact of the monetary transaction, an audit will be carried out. If it turns out that a citizen received income from a legal entity, but at the same time none of the parties made the relevant mandatory payments, a penalty of 20% of the amount of unpaid taxes.
Important: in such situations, you yourself must prove that the funds received on the card were not income.
If deliberate non-payment of tax is proven, the fine can reach 40% of the unpaid amount. In addition, interest will be charged - 9% per annum.
In cases where legal entities illegally cash out funds by transferring them to cards of ordinary citizens, the enterprise may be held criminally liable, which will entail either a fine of up to 300 thousand rubles or imprisonment for 6 months.
Before transferring money from a legal entity's account to a physical person's card, you need to draw up an agreement that explains the purposes for which this money was transferred. If the contract does not specify which of the parties should pay the tax, the payment will be charged to the individual (subject to the receipt of income by him).
In cases where funds are transferred to pay off a debt, the payment is not taxed, however, relevant documents confirming the issuance of a loan must be provided.
Particular attention from banks and the Federal Tax Service is caused by:
It is worth noting that if banks consider the transactions being carried out to be suspicious, they are obliged to report them to the Central Bank, while notifying an individual or legal entity of the notification to banks is prohibited.
Good afternoon!
I'm writing while it's still fresh in my mind.
I needed to transfer money to a legal account. faces. Due to the fact that Yurik had an account opened with Sberbank, Sberbank was chosen to reduce the possible commission for an interbank transfer. It was decided to send money, having previously put it on an existing card account. I did not find any tariffs for my operation on the Sberbank website!!! Having once had a negative experience with Sberbank (I suddenly found out about a 1% commission when withdrawing money for down payment for an apartment received by bank transfer and lain less than 1 month) decided to call the support service. They confirmed that this operation possible and through the cash desk of the branch will cost me 1.5% commission, but not more than 1000 rubles. I agreed.
On April 23, 2014, I came to the branch of Sberbank (Moscow, Pokrovka st., 19) and, having stood in line for half an hour, I suddenly encountered the following:
1. My card was opened in another branch of Sberbank in Moscow, so they cannot transfer from it!!! If there are such restrictions, then rename your monster to Sberbank1, Sberbank2, etc. and don't say you're always there. It's a lie. Also, I did not hear anything about such restrictions from the support service and did not find information on the Sberbank website.
2. I was asked to open an account in this branch, put money on it and make a transfer. I asked what will be the commission? The operator said she would check. Then something hung in the computer for a long time. And in the end it was announced to me that the commission would be 1500 rubles. I agreed, because already came and already defended.
Further, the execution of the contract and the deposit of the required amount + 1500 rubles to the newly opened account. Receipt of income. After the checkout, I return to my teller to make the transfer. Fill in the details of the recipient. “Oops, another 20 rubles from you. for issuing a payment order. Forgot to warn in advance. A trifle, but not pleasant. I - “I’m at the cashier again ???”. "No, this is for me." Okay, I gave it. New parish in the amount of + 1500r + 20r. “Oh, it won’t let you do the operation. He says that the commission will be 2000 rubles!!!” I'm shocked. But the money is already in the account. Again, there was no time and desire to take them off and carry around the city. And in the hope that now everything will end, I again agreed. Next, I check the payment details. I find an error in the name of the recipient. It happens. Reprints everything.
I must say right away that the input of each order was accompanied by a double request to another teller (apparently of a higher rank) to confirm the operation with an electronic key.
I'm checking. Error in my registration address. Specified old. I ask: "How could it be?" He says that the system is pulling my data from some kind of service agreement. Why did I give her my passport? Why information is taken from the contract, and not on the basis of primary documents? Or, after changing my place of residence, should I now run to Sberbank? Reprints everything. Email key. I'm checking. Same address. I say: "Are you kidding me?". "Oh, for some reason the data is not saved." I must say that by this time the branch had already closed. It’s just me and the cleaning lady in the hall, poking my feet with a mop. My teller apparently gave up and my “case” was taken over by the one with the electronic key. Apparently everyone wanted to go home.
The third time everything was filled out correctly. They began to make a copy of my contract, on the basis of which the transfer was carried out. Me: "Why are you doing this?" “That's the way it's supposed to be. We must keep the basis for the translation.” The list of documents on the site does not say anything about the existence of a contract. It is also not needed when making a transfer through Sberbank-online. In short, it all looked like some kind of nonsense.
I ended up walking out an hour after I sat out the window for this "super complicated" operation feeling like I was being ripped off. People, run away from Sberbank and you will never regret it.
After reading the article, you will find out how much it costs to maintain an account with Sberbank for individuals in 2019. And what commission is charged when making transfers and payments within Russia and abroad.
Cardholders and account holders at Sberbank often face the need to transfer money to other individuals or organizations providing services. Thanks to the use of a mobile application or the Sberbank Online portal, making payments and making transfers has become easier and more profitable.
For those who regularly make payments through National Bank or plans to transfer a large amount, it is important to know whether there is a need to open an account, how much it costs to maintain, and what commission is charged when making certain payments within Russia and abroad.
You can open an account and get a card at any branch of Sberbank. You can order a plastic product online on the bank's website. The service of depositing money to the card is provided free of charge, no commission is charged. Without subscription fee you can use mobile application with options to transfer funds, make payments and pay bills.
Per banking services a fee is charged annually, the amount depends on the type of card.
| card type | Annual Service Terms |
|---|---|
| Classic Visa Card | 750 rubles 1st year, then 450 rubles |
| CC "Aeroflot" | |
| KK "Give life" | 1000 rubles 1st year, then 450 rubles |
| Map with transport application"Troika" | 900 rubles 1st year, then 600 rubles |
| Youth MasterCard | 150 rubles/year |
| Visa Gold Card | 3000 rubles/year |
| Social card MIR | is free |
| Visa Instant Card | is free |
Apart from annual maintenance, there is also a monthly fee for Mobile bank within the framework of the full basic or standard tariff (30 or 60 rubles per month). The service allows you to receive real-time information about receipts and debits from the account, as well as make transfers and payments using special commands sent to 900.
The movement of funds from one Sberbank card to another is very simple and in most cases free of charge (no commission). Money is credited to the account within a few seconds if an ATM, the Sberbank Online platform, a mobile application or the 900 service are used to complete the transaction.
A fee of 1% of the amount of the transfer (but not more than 1000 rubles) is charged only if the cards are issued in different regions. You can transfer money for free if the cards have one owner, for example, from debit card for credit.
You can make a transfer in one of the following ways:
To make transfers to an organization's account, it is not necessary to open an account with Sberbank, however, the transfer fee will be lower if you pay for services from your account through an ATM or Sberbank Online.
| Translations | Without opening an account | From account | ||
|---|---|---|---|---|
| Through the branch office | Via ATM/terminal | Through the branch office | Via ATM / Sberbank Online | |
| To the budget and state funds | 3%, min 30 rub., max 2500 rub. | 2%, min 10 rub., max 2000 rub. | 2%, max 1500 rub. | 1%, max 500 rub. |
| For utility services | 2%, min 30 rub., max 2500 rub. | 0.9%, min 10 rub., max 1000 rub. | 1.5%, max 1500 rub. | 0.5%, max 500 rub. |
| For electricity | 2.5%, min 25 rub., max 2500 rub. | 1.5%, min RUB 10, max RUB 1000 | 2%, max 1500 rub. | 1%, max 500 rub. |
| For communication and internet services | 2.5%, min 10 rub., max 2500 rub. | 2.5%, min 5 rub., max 2500 rub. | 2%, max 1500 rub. | 1%, max 500 rub. |
| Tax payments | is free | |||
| Charitable | is free | |||
To transfer from card to card to another bank, you can use Sberbank Online. On the app or on the website personal account select the appropriate tab in the "Payments" section ("On a card to another bank"), enter the number on the front side of the plastic. You can also attach a card to mobile device if it is equipped with a PayPass or PayWave system.
The execution time for such a translation is 10-15 minutes. The maximum amount that can be transferred at a time is 30,000 rubles, in one day - 50,000 rubles. (for payment cards Visa systems Electron or Maestro), 150,000 rubles. (for all others).
If the transfer is made to an account opened with another bank, you can use Sberbank Online or a mobile application. You will need to enter all the details, including the full name, TIN of the recipient, BIC and Kor. bank account. Transaction execution time is up to two days.
The amount of the commission depends on the currency and method of transfer.
A similar commission is charged for transfers to the account of a foreign company. The transfer can be made at the branch. The transfer will be made within two days.
