A convenient tool for companies used to process and control payments for current business expenses (for entertainment purposes, business trips, business tasks, and so on). When will it be beneficial to use the card? What are its advantages? What conditions do banks offer?
Peculiarity plastic card for legal entities- binding to the company's current account and application to cover various types of costs:
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Working with "plastic" for legal entities has a number benefits(when compared with classic cash):
Additional advantages of "plastic" for legal entities include:
To issue a card linked to a company account, a legal entity needs to take several steps:
In an application for a corporate card, it is enough to indicate:
Release terms corporate "plastic" for a legal entity in each bank are individual (as well as tariffs):
Corporate card for legal entities- a powerful and useful tool for legal entities and individual entrepreneurs, which allows you to optimize costs and simplify access to money in your current account.
Corporate cards of the Moscow Industrial Bank are a reliable universal assistant for non-cash payment of your company's expenses at any time anywhere in the world, a convenient, safe and modern alternative to a checkbook and funds issued on account.
The corporate card of the Moscow Industrial Bank is a registered bank card of one of the international payment Visa systems or MasterCard, which is issued to an authorized employee of the company for making transactions related to the payment of business, hospitality and travel expenses, cash withdrawal operations Money, both on the territory of the Russian Federation and abroad, as well as for other transactions, in compliance with the requirements of the law Russian Federation.
The validity period of the Corporate card from MinBank is 2 years. Cards are issued in any of three currencies: Russian rubles, US dollars or euros, at the choice of the Company.
Using a corporate card of the Moscow Industrial Bank opens additional features for your company:
List of documents for issuing a Business corporate card:
To activate the Promsvyazbank card, insert it into an ATM, enter the PIN code and perform any operation: view the balance on the account, withdraw cash, pay for services.
You can check the current balance on the card in one of the ways.
There are several ways to top up your card balance.
If your card is lost or stolen, you need to immediately block it.
The credit limit on Promsvyazbank cards is renewable. This means that if the borrower repays the debt on time, the card balance is gradually replenished. If you need to increase the credit limit, please contact the bank with your passport to write an application.
You can change the PIN code on the card using the Promsvyazbank ATM. To do this, insert the card into an ATM, go to the "Card management" section and select the "Change PIN code" option. Enter a new number combination and confirm it. If the transaction is successful, you will be issued a receipt with notification of the PIN change.
To close a credit account, you need to make sure that you have fully repaid your debt. If everything is in order, then contact the bank branch and write an application to close the card account. You need to have your passport and credit card with you. When the application is considered, the bank will notify you.
A corporate card is a card linked to a legal entity's card account. Issue it to the company to pay the costs related to households. activities of the enterprise, receipt of cash. But it is worth remembering that a corporate card is not intended for wages or other social benefits.
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Such a card essentially replaces a checkbook, cash issued against a report. Such a product can be not only debit, but also credit.
A corporate card is a card that allows its holder to conduct expenditure operations on the account of a legal entity. Such a card can replace a checkbook, cash, which saves time and reduces costs.
The card is issued in the name of an employee of a legal entity, subject to the receipt by the bank of an application from the client, in whose name it will be opened and the company's power of attorney.
If you wondered where to get a corporate card, then it is offered in any Russian bank.
It is issued under the following conditions:
as soon as the account is opened, the legal entity must notify tax authority otherwise, you will have to pay a fine.
For the annual service of a corporate card in banks, they charge an average commission - 1,000 - 1,500. Issue, re-issue of plastic is usually free.
To issue a corporate card, a representative of a legal entity concludes an agreement with the bank on the issue and maintenance of such a product.
The number of issued cards can be any, therefore, the contract indicates information about the employees on whom such cards are opened.
Also, the legal entity is obliged to provide applications from its employees, in whose names the plastic will be issued, as well as powers of attorney from the company.
In parallel with the issuance of cards, a card account is opened for the client, according to which a separate package of documents is requested to the bank. It is necessary to notify the tax service about its opening or closing within a week.
Corporate cards are offered in all Russian banks. For their release, a signed contract, a statement from an employee and a power of attorney from a legal entity are required.
Below is a list of credit institutions that offer interesting conditions for such a banking product:
A corporate card from Alfa Bank has several undeniable advantages:
Do you want to know where they are issued? Then you need to follow the link and read our article.
If you are interested in the design credit card With free service and grace period, then we advise you to go to .
If the client stops at Otkritie Bank, then when applying for corporate cards, he will receive a number of such advantages:
The Bank of Moscow offers several types of corporate cards with a number of advantages:
With a corporate card from Promsvyazbank, you can pay for basic, business, and travel expenses.
The advantages of such a card include:
you can manage corporate cards without visiting the bank (set a limit, block, replenish, etc.);
You can also order a corporate card at Sberbank. Such a product is produced free of charge, the cost of annual maintenance depends on the type of plastic and a commission of up to 2,500 may be charged.
There are several advantages of obtaining a card in Sberbank:
The limit (we are talking about spending on the card, not to be confused with the credit limit) on corporate cards is set by legal entities on their own.
If the client asks for a card credit limit, then its size will depend on a huge number of factors and will be announced after studying the solvency of a legal entity.
If a credit limit is set on a corporate card, then the client must pay a certain percentage when using borrowed funds.
The amount of the fee for such a service is considered in individually and depends on the status of the client in this bank, working capital on current accounts, products that he actively uses in this credit institution.
The interest rate is formed personally and is announced only at a specific request of the borrower.
A corporate card can be issued in the name of an employee of a legal entity. To do this, the company provides the bank with a list of persons in whose names cards should be issued.
A mandatory requirement is the presence of an application from each employee to issue a card, as well as a power of attorney from the company for them.
To receive a corporate card, a legal entity must sign an agreement with the bank.
Attached to this document:
legal power of attorney persons in the name of employees who receive a corporate card;
The timing of the issuance of corporate cards depends on several points. If a card account has not yet been opened at the bank, then a certain package of documents will be required to open it, and besides, it will become active after confirmation from the tax authority.
We remind you that a legal entity must notify the tax authority of opening such an account within 7 days.
The timing of the issue of the card also depends on whether they are personalized or not. If the cards are not personalized, they can be issued on the day of application, personalized cards are issued from several days.
The card is replenished from the card current account of a legal entity according to the client's payment order. The purpose indicates the number of the card to be replenished, as well as the full name of its owner.
