Personal account bank point

I decided to remind myself of the bank where I opened a current account for business activities:

Novel!

Have you recently opened an account with Point together with our manager Masha. You have never used the account before, so Masha is very sad. Every day she comes and asks about you.

Masha knows: if not a single operation has been completed on your account by February 19, the Point will not be able to give you a 70% discount on services. Masha is worried, so we pass on her words to you:

Roman, you can deposit money into your account, pay by card, pay for your phone, or perform another simple transaction. In general, do at least something, even for 1 ruble, and then the discount will remain for six months!

The guys from marketing join Masha’s concerns:

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and technical support department...

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They sent me greetings and offers of help. I appreciated the humor and openness of the bank :)

I didn’t think long about choosing a bank. I wanted the same convenience that you experience when using good remote banking services. To reduce trips or trips to the bank to zero.

And I chose “Point”, a kind of “bank within a bank”, which is what we will discuss in today’s review.

Bank within a Bank – customer focus

What kind of bank?

"Dot" consists of the Bank24.ru team (after the license was revoked) and operates under the Otkritie KMB license, has its own information security, technical support, etc. and uses only a banking license and card processing from Otkritie Bank.

After the license was revoked, hundreds of petitions were filed in defense of Bank24 from grateful clientele. The reason for this love is the high customer focus.

From Yandex search results

The point calls itself, as can be seen in the screenshot above, “The Favorite Bank of Entrepreneurs.” So I wanted to check out their service for myself.

Reference .
The financial service Tochka was formed on the basis of the Business Online branch of PJSC Khanty-Mansiysk Bank Otkritie and launched in 2015. The service is fully managed by the ex-team of Bank24.ru, which created the best Internet bank in the country.

Specialization – settlement service for small and medium-sized businesses, online services. The service operates remotely in seven cities across the country.

Entrepreneurs can apply to open an account on the website or by calling 24/7 at 8-800-2000-024.

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Submit an application on the website

How to open an account and get everything done in 6 hours

To apply for service on the website, just provide your phone number and they will call you back. But at the same time, to speed up the processing of the application, they will offer to upload scans of the constituent documents on the website.

I was surprised, however, by the request for documents on my financial position, which I could not provide due to the fact that I had just become an individual entrepreneur.

But I was simply asked to send a sheet of entry into the Unified State Register of Individual Entrepreneurs. That's all:

Very soon a current account was booked for me, the business was verified by financial monitoring and security;)

All that remains is to go to the meeting with the original documents, which, however, were not requested.

At 18:00 local time, I met with the bank manager in one of the cafes in Krasnoyarsk and signed documents, and half an hour later I already had access to the Internet bank and greetings via SMS like “welcome to the family.”

My impressions are great. Everything is convenient and clear.

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Documents-cards-tube!

What I have left in my hands:

• Statement on joining the Banking Rules [...]

According to this statement to me:

1. Opened an account for an individual entrepreneur according to the tariff plan “For growth (Regional)” with access to information security. They issued a corporate card linked to this account.
2. Opened an account for an individual from TP “Fizyurik”, they issued a card for this account.

Scans of documents and photo cards

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• “Customer information”, With this paper I confirm the validity of information about the individual entrepreneur/organization: about its beneficiaries, about the staff, about the authorized capital, the main types of activities, the availability of real estate, etc.

Scan of the document

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• They also issued tariffs in brochure, about them in the section below.
• Next, here is such a bandura, which is called tube, apparently there were my documents for signing and all sorts of little things. Was also waiting for me bottle of wine“Casa Neri Viura Blanco”, volume 0.187 l. The pictures are not mine, but found on the Internet using the hashtag #dottubus.

Advantages of the Bank

The point claims the following benefits:

• 24/7 friendly support via phone and chat.
• 400,000 ATMs and 700 Otkritie FG points for withdrawing and depositing cash throughout Russia
• The longest operating day in Russia: payments within the bank run around the clock, and external payments from 0:00 to 20:50 Moscow time.
• Reserving an account number, opening and connecting an Internet bank, as well as a manager’s visit to open an account and certify documents are free. And often you can do it in one day, as it happened for me.
• Internet banking can be connected to any accounting service, send payments, download statements, generate tax payments and accounts for partners in one window:

• First place in terms of efficiency of Internet banking for small businesses and among mobile banks for small businesses according to the Business Internet Banking Rank 2015 study.

• Availability, including applications - on Mac, Windows, tablets, smartphones and any other devices.

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Tariffs

Instead of documents for my tariff plan, I was given a regular brochure indicating three types of RKO tariffs; the documents themselves can be found on the official website. The current pdf tariff will open at this link. in the blog on 02/15/2016.

All tariffs include opening an account, connecting an information security system, and sending a manager to the client absolutely free of charge. Up to 8% per annum is provided for any average monthly balance on a current account, but with nuances, for example, with an average monthly balance of up to 50 thousand rubles, only 3% per annum is charged.

I think I will receive only this 3% in fact:

In any case, this is interesting, because... Not every bank offers the opportunity to receive interest on your current account balance.

There is also free SMS notification about account movements, incl. about commission write-offs and free tax/budget payments: no matter how much, but this probably always and everywhere exists.

Otherwise, the tariffs vary.

By the way, for Moscow, St. Petersburg, Yekaterinburg and the regions of these cities, service fees are 1-2 thousand rubles higher.

Scan of RKO tariffs

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“For growth”

My tariff: “For growth”. Because I am a new client, then its parameters are as follows for six months (the main thing is that the receipt takes place within 30 days, this is the condition of the promotion):

1. 450 rub/month. – subscription fee.
2. Free interbank for legal entities and individual entrepreneurs: 100 pieces.
   Free interbanking from an individual entrepreneur’s account for individuals (for themselves/not for themselves – it doesn’t matter): up to 500 thousand rubles. But the company could only send 150 thousand per month.
3. Free withdrawal from any ATM: 50 thousand/month.
4. Free: 3 corporate cards.

There are fees for exceeding limits, even quite hefty ones, say, a 3% fee for withdrawing from a corporate card in excess of the limit. Or 3% interbank commission over the limit.

Six months later, the cost of the “For Growth” tariff will increase from 450 rubles/month to 1500 rubles/month. This difference of 70% discount for new customers is actively advertised by the bank.

Of course, at least 450, at least 500 rubles per month, not even 1500 or 5500 rubles. – this is very expensive from the point of view of an ordinary bank client. Entrepreneurs need to be prepared that everyone makes money from it: the state, banks, lawyers, accountants, etc.

In six months, of course, I will switch to the “economy tariff” for 500 rubles/month and the annual service will ultimately cost me 450*6+500*6=5700 rubles ( ! ). I'm sure this tariff will be enough for me!

“For starters”: economy tariff “Points”

What will I have on the tariff “For starters”?

• Only 5 free interbank payments to legal entities and individual entrepreneurs, then 50 rubles. per piece.
• Interbank for individuals up to 500 thousand rubles/month.
• Withdrawal from a corporate card up to 10 thousand rubles/month.

It’s better not to even think about exceeding the limits :)

In case of emergency, an individual’s debit card will help TP “Fizyurik”. Those. Through IB we simply transfer money from the individual entrepreneur’s current account to the account of our individual debit card and either withdraw money from the account of this card or send it interbank.

Tariffs for an individual card (TP “Fizyurik”):

• Card maintenance: 100 rubles per month. , is written off on the 1st day if there were movements on the account in the previous month. Reissue or additional card: 500 rub.
• Cash withdrawal: up to 50 thousand. rub/month Further – 3% of the amount.
• Interbank transfers: 20 rubles commission.
• Transfers to clients of PJSC Khanty-Mansiysk Bank Otkritie: free.

I can conclude that for small turnovers the free interbank limit is 500 thousand rubles. Enough with your head - that's me to myself.

If there is an urgent need, you can transfer funds to an individual’s card, and from there make an interbank transfer (inexpensive) or withdraw cash, or even easier - transfer to an Otkritie bank card.

I’m curious whether the transfer to a Rocketbank card with Otkritie processing will be free and instant (I haven’t received such a card yet)…

Internet banking and support

More about remote maintenance

The most important thing in remote banking is Internet banking. Accessible, understandable and convenient. And so that behind this convenience there is technical support in the form of a normally servicing settlement center, and in case of problems, support quickly comes to the rescue. In Tochka, apparently, everything is fine with this. I just haven't had time to test it yet mobile application.

Login to IB accessible using a login and password that I came up with myself; confirmation of login and any operations here is via SMS password. The main menu in IB is payments, which is why it is placed on the “desktop” immediately after logging in.

View details any transaction is very convenient: full details of where the payment came from and the exact time of crediting to the account:

To my delight, interbank payments The work here is absolutely amazing. I sent the payment to myself at Avangard Bank at 11:27 local time (7:27 Moscow time), at 12:07 (i.e. 8:07 Moscow time) the money had already arrived. Support explains this miracle not by BESP (bank electronic urgent payments), but simply by the fact that they are so Process payments instantly :)

You can monitor the execution of payments online:

My second test payment went out at 14:37 Moscow time and arrived at Sberbank at 17:45.

Chat in Internet banking opens positively...

and the answers are received promptly:

IN correspondence When I first logged into IB, an official letter was already waiting for me stating that I had a current account. It really came in handy for me soon.

Many may be interested acquiring:

A regular terminal costs 28-47 thousand rubles (or rent 2500-4200 rubles/month), mobile acquiring will cost 3400 rubles. Key parameters: 2.5-2.7% for accepting payments from cards.

Technical support wrote me a detailed answer about the types of acquiring, I think it will be useful to someone. Name, types, purchase or rental cost per month:

Vx 520 Ethernet/Dial Up CTLS stationary – RUB 27,900. /RUB 2,558.76/month
Vx 520 GRPS/CTLS stationary 34,900 / 3,112.93
Vx 520 GRPS/CTLS mob 37,900 / 3,433.76
Vx 675 GRPS/CTLS mob 40,900 / 3,671.26
Vx 680 GRPS/CTLS mob 46,900 /4,229.60
Vx 680 Wi-Fi/CTLS 42,900 /3,829, 59

• Ethernet/Dial Up – works from an Internet cable. Not wi-fi, not a SIM card, just a wire that plugs into the terminal itself.
• Stats – works from a wall outlet.
• GPRS – works from a SIM card, no wire to the Internet is needed
• Mobile – equipped with a battery, portable, requires periodic charging from an outlet.
• CTLS is additionally equipped with the ability to accept cards through contactless payment “pay pass” - you just need to touch the card to the terminal screen. Not all cards are equipped with this feature.

The remaining sections of information security are not needed by a novice entrepreneur or work fine by default.

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Some conclusions

Is it worth it to save money by contacting other banks, which are classical in nature, going to the office, dealing with a checkbook and the bank’s cash desk? This is more of a rhetorical question; I haven’t yet gone into much detail about which bank is profitable. The thing here is that until you start working and have received minimal experience, it’s generally not clear what you need from a clearing bank.

Personally, it turns out that I need fast interbank payments from a current account and do not need payments to legal entities or acquiring, because I use Internet acquiring from a third party. All this will result in 5700 rub/year, if there are no extra expenses and if I don’t touch my individual card. I don’t particularly count on profitability on the account.

If we compare with other banks, this is, for example, Interactive bank, which also focuses on remote banking services with free account registration and maintenance. But this iBank, with its super-duper secure Internet bank, lost my trust after two blocks from ill-wishers, when I was faced with the subsequent problem of unblocking the card (and the IB was also blocked for some reason along with the card).

Plus, when the bank found out that I had changed my passport, they ordered me to either send a registered letter with a copy of my passport, certified by a notary, or call a paid courier (600-700 rubles). In short, hemorrhoids, which have nothing to do with normal remote maintenance.

WITH Tinkoff Bank I don’t want to deal with those who have recently offered services to legal entities, because he continues to stubbornly spoil his reputation, both with the “smartest” and “hyper-limiters”, and with depositors and ordinary bank card holders, becoming a kind of Kidcoff Bank.

and apply to open a current account. To receive a bonus of 350 rubles - or.

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Internet banking Bank of Moscow VTB 24 is an online system for remote management of your funds, which allows you to receive information about the status of your personal account, make various payments, and also transfer funds to other accounts, including those of other banks. To activate this service, the client must have bank card , credit or contribution.

In cities such as: Moscow, St. Petersburg, Novosibirsk, Nizhny Novgorod, Yekaterinburg, Kazan, Omsk, Chelyabinsk, Samara, Rostov-on-Don, Ufa, Krasnoyarsk, Voronezh, Perm, Volgograd, Krasnodar, Saratov, Ulyanovsk, Tyumen, Cherepovets, Vologda - the most extensive customer support is provided in the form of branches, branches and ATMs.

The main advantage of having a personal online banking account is the ability to manage your finances at any time of the week, 24 hours a day, without visiting a bank office. This is really very convenient and currently all developed banks have already connected this online system.

Using your personal account you can perform the following operations:

• Pay for housing and communal services, fines, TV broadcasting, Internet, banking and other services;
• Transfer money to another card:
• Pay off loans;
• Apply for loans by creating applications online
• Receive additional information on accounts and history.

The resource of the official website of the VTB Moscow web-bank uses the most advanced security system, which eliminates attempts to intercept control of your personal account by unauthorized persons and steal personal data. The site has an https secure connection certificate installed, which limits possible information leaks through additional encryption of the transferred data.

Thus, by registering and logging into your personal account (Moscow Online Banking), you can be sure of the safety of your personal account data, but first be sure to install an anti-virus program on your computer with regularly updated databases. To do this, it is not necessary to use paid programs; there are quite effective ones, verified by multiple tests and user reviews.

As of today, all means for entering the personal account of the Bank of Moscow are used - use is available online management not only from the computer, but also from mobile devices (smartphone) Android and iPhone, and also tablets (android and iPad). Let's step by step figure out how to log into your personal account for registered users and how to go through the procedures for connecting and registering the service for remote management of your personal account online.

VTB Bank of Moscow online - login to your personal web-bank account

If you are already registered in the Internet bank, then use the appropriate link to go to the official website page.

Log in to your personal account of the Bank of Moscow (VTB 24):

Here you will need to enter your username and password and click “ Login“.

If you have not yet connected to the Internet access service to your personal account, you can use one of 4 ways to activate your personal account:

Connection to the Internet bank of VTB Bank of Moscow

The bank offers card or account holders 4 ways to connect to the remote management system for a personal account using online internet banking:

1. Having visited bank branch.
2. Using VTB ATM .
3. Independently on the registration page “ Internet banking“.
4. By calling the bank at 8 800 200 23 26 .

• 1. Upon personal visit to any bank branch, you must take it with you identity document. Branch employees, in turn, will provide all the information about the connection procedure, help draw up a connection agreement and issue a package of documents on the rules and use of the service. After this, you need to go to the registration page in your personal account of the Bank of Moscow and sequentially enter the issued data, card number and additional code sent to your phone.
• 2. If it is more convenient for you to activate the online account management service through an ATM (VTB), then to do this you will need to insert the card into the ATM, enter the PIN code, go to “ Menu“, then open “ Internet banking” and select the item “ Activate the service“. If everything is done correctly and the PIN code is entered correctly, the ATM will issue a receipt with a login and password to enter your personal account.
• 3. There is also an automatic registration system on the page. Several types of registration are offered here: by card number, account number, and credit agreement number. By following consistent procedures, you can quickly activate your personal account. For additional protection, when registering for Moscow Internet Banking, you will need to upload a user image.

• 4. Registration by number 8 800 200 23 26 , is possible only when calling from the phone number indicated in the bank as a contact. In this case, the user must provide personal data and a password to contact customer support.

Lost or forgotten internet banking password?

The online web-bank system is indeed a very convenient tool for obtaining information about a personal account at any time of the day, as well as for making payments and transferring funds to other accounts. But as you use it, you may encounter the fact that the password for your personal account may be lost and access to your personal account may become impossible. If you are faced with such a problem, then you should not despair; the bank provides options for restoring access by changing your password to a new one.

To do this you need:

1. Appear at a bank branch (branch) with an identification document. You will be required to fill out an application regarding the loss of your personal account password and the issuance of a new one.
2. By calling the number 8 800 200-23-26 contact support and receive a new password. In this case, you will be required to provide your personal code.

Next, an SMS with a new temporary password will be sent to your contact phone number, which you can use to log into the system. Once in your personal account, you can later change it to a new one by opening your personal settings.

Download the Bank of Moscow mobile application for Android, iPhone/iPad

The bank also provides for online banking management via a mobile device or tablet. To do this, you need to install the mobile application using the appropriate link.

Download Mobile Bank of Moscow (VTB) on:

Bank of Moscow (VTB 24) deposits 2017, loans(mortgage), interest rates, calculator (for individuals)

• The bank provides several profitable deposits(deposits) 2017 with different conditions and interest rates. For detailed information, go to the page where you can also use the online calculation calculator.
• To get acquainted with the available offers for loans and mortgages, go to the next page, there is also a repayment calculator here.

Possibilities of online web banking

By logging into your personal account online at VTB Moscow Internet Bank, you can perform the following functionality:

• Access to all details of account balances, as well as cash on deposits and loans;
• Receive information on payments made, with a history search. Having ordered a certificate of payments made, you can certify it with a stamp by contacting the branch;
• Online ordering of statements of detailed information on accounts;
• Payment of utility bills, mobile operators, Internet and other bills.
• Quick transfer of funds from one account to another, within the bank;
• Convert currency, as well as transfer to accounts and cards of other banks;
• Top up the card or transfer to a deposit;
• Save payment templates to further simplify payment;
• Find out the exact location of the nearest ATM.

VTB Bank of Moscow online provides its clients with the widest possible range of services, which currently work automatically without complaints, providing functional tools for managing personal accounts, both for individuals and legal entities. This bank is one of the 10 largest banks in Russia and has earned fairly high trust and assessments from the international banking system. Automatic Internet technologies are based on the most modern equipment that meets all the required security and data protection criteria. It has a large number of branches and ATMs.

Mobile bank

By downloading the mobile VTB Bank of Moscow, you will receive an application for conveniently managing your own account from your smartphone (Android and iOS) x. If you have the Internet, you can perform the same operations with any of your cards from your personal Internet banking account for your computer at any second.

The functionality of the application is designed with the expectation that a user with any level of knowledge in managing mobile applications will be able to understand it. All functions are located in the corresponding sections of the menu.

One of the most important advantages of the application is its free distribution.

The application transmits all information to the server in encrypted form, providing a high degree of protection against leakage of personal information, with a built-in anti-virus scan. But it is still recommended to install an antivirus on an Android device, which will protect the device from hacking.

Using online banking or a mobile application, you can have many advantages for quick and convenient access, and most importantly, there is no need to regularly contact the bank.

Bank Tochka is a branch of the Otkritie Financial Corporation, operating in the format of an online bank for small businesses. An entrepreneur can maintain accounts in Tochka simultaneously as an individual and a legal entity.

The functionality provided by the Tochka Bank personal account is available from the Internet bank and from the Tochka mobile bank for Android and iOS from OTKRITIE Bank (JSC).

Personal account features

In an effort to make it easier for entrepreneurs to do business, Tochka’s personal account completely transfers online operations such as:

• Sending invoices to counterparties.
• Analytics of financial transactions.
• Signing payments prepared by the accountant.
• Receipt and repayment of overdraft.
• Filters and statistics on counterparties.
• Foreign exchange transactions with foreign companies.
• Currency consultant for a percentage of the transaction.
• Checking the reliability of new counterparties.
• Preparation of salary projects.

Additional advantages of the system:

• Transfer of contacts and templates from the previous Internet bank.
• Integration with accounting software and online accounting systems.
• Solving a service-related problem in one chat or phone conversation with a bank employee.
• SMS notification about actions on accounts in your personal account.
• SMS notification to counterparties that a payment has been sent to them.
• Payment with a corporate card using the Pay service from Apple and Samsung.

Registration and login to your personal account

To start cooperation with the bank and receive all the client privileges, you need to submit an application to open an account. This can be done by calling the hotline number or ordering a call from an employee through the official website of Bank Tochka, leaving your mobile phone. The “Open account” button located on the main page of the site leads to the form in which the feedback number is entered.

The employee will call and arrange a meeting by sending the account number to the phone. Registration of an account in the Internet bank will be carried out directly during the meeting; the bank representative will give the client a login, which can be changed later, and a password. The corporate card and client account will also be activated.

You can enter your Tochka Bank personal account by clicking on the site menu item “Login to Internet Banking”, the user is taken to a page with a login form, enters their login (email), password, and one-time code from SMS. Quick login is available in mobile banking. Operations are confirmed using:

• One-time SMS code/push message to mobile phone.
• An electronic key generated by the client using an OTP token.

If, when trying to log into the Tochka Bank personal account, the user realizes that he cannot remember the login information, the service allows you to recover your password and login yourself directly on the website. In the authorization form, just below the “Login” button, there is a link “Forgot your username or password?” just for such an occasion. The link opens a recovery form in which you must enter the number mobile phone And:

• To restore your login - last name, first name, patronymic.
• To recover your password, use your login (email) or last name, first name, patronymic.

After the user passes the check against spam requests and clicks “Continue,” he receives instructions on further steps to restore access to his phone or email.

• Official website: http://www.tochka.com
• Personal account:

In accordance with the requirements of the Federal Law of July 27, 2006 No. 152-FZ “On Personal Data”, I give my consent to the Public Joint Stock Company Bank Financial Corporation Otkritie (hereinafter referred to as PJSC Bank FC Otkritie), General License to carry out banking operations No. 2209, issued by the Bank of Russia on November 24, 2014, location: 115114, Moscow, st. Letnikovskaya, 2, building 4) for processing, collection, recording, systematization, accumulation, storage, clarification, updating, changing, retrieving, using, distributing, transferring, depersonalizing, blocking and deleting my personal data, carried out using funds automation or without them.

In accordance with Federal Law No. 126-FZ “On Communications” dated 07.07.2003, I give my consent to the telecom operator with whom I have concluded an agreement for the provision of communication services in relation to the mobile number specified in this Application to provide PJSC Bank FC Otkritie » information about the subscriber and the communication services provided to me under the contract for the provision of communication services concluded with such a telecom operator.

I agree to the processing of my personal data, including last name, first name, patronymic, date and place of birth, identity document data, citizenship, address, family, social, property status, education, profession, income, place of work, contact details telephone number and other personal information that can be used for the purpose of promoting the bank’s services, joint services of the bank and third parties.

This consent is valid from the moment the application is sent until the bank receives a written application to revoke this consent to the processing of personal data.

By leaving my details in the application I submit and providing additional data and documents by phone, fax or email, I confirm and acknowledge that I have read the stated agreement and give my unconditional consent without reservations or restrictions.

I am aware that this consent can be revoked by me when sending a written application to the bank.

The service for reserving a current account number is provided to legal entities and individual entrepreneurs (hereinafter referred to as clients) who fill out an application on the website or call the bank at telephone number 8 800 2000 024.

The bank does not make payments to the reserved account. Money transferred to the client using the reserved account details is stored in the bank for 5 working days. If the account is not opened, after 5 business days the money will be returned to the sender. The bank is not responsible for losses incurred by the client if, on the date of return of money to the sender, the sender’s account is closed or his details have changed. If within 5 working days from the moment the money is received in the reserved account, it is opened, the money will be transferred to the open account within the time limits established by the current legislation of the Russian Federation.

The bank may refuse to reserve an account number unilaterally without giving a reason. The bank may refuse to open a reserved account in cases established by the bank’s internal documents in accordance with the current legislation of the Russian Federation.

Bank dotka is part of the Otkritie financial group. Otkritie is today one of the largest financial associations existing in Russia. It is systemically significant and ranks 4th among banking organizations in terms of assets, second only to Sberbank, VTB and Gazprombank. More than 4 million clients today trust the group with their business.

Main products of Tochka Bank

The point is a bank for entrepreneurs and provides a full range of services so that any business owner receives competent and fast service. Among the most popular operations are the following:

1. settlement and cash services;
2. opening deposit accounts;
3. currency transactions;
4. quick access to cash.

1) Cash management services. This is the implementation of settlements for business transactions, which is carried out according to bank tariffs. The point is an Internet bank and this is its main advantage. Tochka's clients do not stand in lines in a stuffy office, but carry out settlement and cash transactions without leaving their home or their own office.

Service rates are quite competitive. Thus, the bank offers three programs: Economy, Business and Lowcost. Opening an account is free, and annual maintenance costs 6,350 rubles. regardless of the client's region. It is also worth noting the speed of service - payments are made instantly, unlike most banks, where transfers from an account can take up to 3 days.

2) Deposit account. In addition to convenient use of the account, the bank offers entrepreneurs a service that allows them to fully recoup the cost of servicing. This service is called a “deposit account”. Deposit accounts are deposits for legal entities. Entrepreneurs can open them to existing accounts. In this case, interest will be accrued on the average balance of turnover per month. As a result, if the client actively uses the account, he receives additional profit from this, which allows him to fully cover the cost of service.

In addition to account deposits, Tochka also offers standard deposits under four programs. The client can place a deposit for a period from 1 day to 1 year. The deposit amount must be at least 100 thousand rubles, and interest rate in this case it will be 8-11% depending on the period.

3) Currency transactions. Foreign exchange transactions are carried out using foreign currency accounts. To open such an account you do not need to travel, you just need to click on the appropriate button on the website. The advantages of opening a foreign currency account at Tochka Bank are also obvious because when making a transaction, you do not need to sit and wait for the most favorable rate, but simply indicate the desired parameters of the transaction, and the site will automatically carry out the operation at the most favorable rate for the client.

Tochka's currency department specialists will quickly translate any contract and process all documents properly. Thanks to the round-the-clock service, the transaction will be completed on time, and if erroneous documents are identified, the bank employees themselves will redo them and send them to the client’s personal account for signature.

Thus, all transactions are carried out with maximum convenience for the entrepreneur, significantly saving time and money.

4) Corporate cards. We also note such an important feature as quick access to cash. Tochka Bank offers its clients a corporate card linked to a current account. With its help, you can safely manage your money, as if you were using regular card. Thanks to these cards (you can issue as many of them as you like), you can give up checkbooks forever.

Conditions for opening an account at Tochka Bank

In order to become a client of the bank, you simply need to open an account. To open a bank account, it is enough to provide a standard package of documents, which includes:

• constituent documents;
• certificate of state registration of a legal entity;
• passports of persons present at account opening;
• powers of attorney for the right to dispose of money.

Subject to availability:

• licenses for the right to carry out activities;