Banking operational day in Sberbank for legal entities. Sberbank operating day for legal entities

All banks have their own checkout and cash service hours. The payment day at Sberbank lasts exactly as long as the operation of the electronic systems lasts. Today, a specific service schedule can be established for each client, and for those who use payment systems, transactions can be carried out around the clock.

Payment order execution deadline

Banking institutions establish their own rules for accepting and processing payments. However, if we are talking about protected expense items, then their consideration and processing has clear deadlines, as well as payments marked “urgent”.

Each representative office has its own work schedule; accordingly, the central branch of Sberbank works seven days a week. By going to the website of the representative offices, you can familiarize yourself with the specific work schedule of each of them. In addition, there is information according to which you can find out contact numbers in a specific city or select the closest office.

According to the operating regulations, Sberbank processes payments that were processed in accordance with established standards. In particular, payments are executed on business days, except weekends and holidays. You can find out how long it takes for Sberbank to process payment orders directly from the person with whom the service contract was concluded or from a bank representative.

The internal rules of the bank set the processing time for payment orders

Thus, the execution of financial documents received from the client is carried out on the basis of documents received by the bank:

• in paper form – from 9:00 to 15:00;
• in electronic form from 09:00 to 17:00, and on Fridays and pre-holidays processing is carried out from 09:00 to 16:00.

All instructions for processing payments are carried out within two days after the documents are received by the bank.

It is worth noting that a payment day in Sberbank is a period of time during which the institution can operate. The moment the electronic payment system opens marks the beginning of the working day. As soon as such systems cease their activities, the bank payment working day also ends. During this period of time, a variety of transactions may occur that are within the competence of Sberbank.

Rules for processing urgent payments

They can be considered by the bank for a certain specified period. Payments that have the status of “urgent payment” are reviewed by Sberbank instantly. They, as a rule, are marked “urgent”; they can be carried out even after the end of the operating time, in accordance with a certain list of currencies and if there is a limit on the amount established on the bank client’s account.

It is also worth noting that Sberbank introduced innovations for its corporate clients by offering them payment processing time (for corporations only). Thus, those users who exchange financial documents through the Sberbank Business Online system have every chance to use the time from 07:00 to 23:00; the ability to use time both on weekends and on holidays has also been introduced.

Thus, the introduction of information technology allows you to put your business on stream, thereby expanding its boundaries and not depending on time frames.

For corporate clients, the processing time for payment orders is reduced

Innovation in the modern banking world

Working in Sberbank’s “business online” software in real time is not difficult, since the clear and convenient interface developed by the bank’s specialists will allow you to carry out a lot of operations without wasting time on traveling and signing copious amounts of paperwork.
There are many advantages to working with an electronic system, but the urgent payment option is especially beneficial, thanks to which clients can make transactions on their account around the clock.

Opening hours - on weekdays from 08:30 to 19:30, weekends - from 10:00 to 18:00 3, Babushkinskaya metro station. Branch No. 7970/01711 Yaroslavskoe highway, building 54, Mosmart shopping center. Open every day from 09:00 to 20:00, break from 14:00 to 15:00. 4. Belyaevo metro station. Branch No. 7813/01256 Miklouho-Maklaya street, building 55. Open on weekdays from 08:30 to 19:30, Saturday - from 08:30 to 18:00, Sunday from 09:00 to 14:00 5. Yasenevo metro station . Branch No. 7813/01717 Litovsky Boulevard 22, shopping center; Yasenevo;. Open on weekdays from 08:30 to 19:30, on Saturday from 08:30 to 18:00, on Sunday; from 10:00 to 18:00. 6. Some branches are open on Saturday, and some even on Sunday, but on weekends it is better to get to the bank early; branches often close early on weekends, sometimes as early as 12.30.

What operations can only be performed during the trading day? During the operating day of Sberbank the following financial transactions are carried out:

• processing of received payment documents;
• working with cash documents;
• maintaining credit and deposit accounts;
• control of primary accounting documentation of clients.

The most popular services that are provided during operating hours are account opening, bank transfers, and obtaining information about the status of the client’s personal current account. At the end of working hours, information processing is completed and a daily balance is formed. Documents that are received at the end of the business day are processed only on the next business day.

Attention

This is largely due to the fact that on the territory of the Russian Federation alone today more than 20 thousand different branches, branches, operating cash desks are registered and operating, each of which performs certain functions and has its own purpose. Of course, you can trace a certain system of work of some of the largest city departments and branches, but even here your variations are possible. The operating mode of Sberbank of Russia is organized according to the principle of a large multi-level system: the management system at the lower levels of which can differ strikingly from the work of large branches.

Operational day in Sberbank for legal entities until what time

Settlement and cash services for legal entities in Sberbank Principles of organizing the settlement system. Bank services to corporate clients in servicing foreign trade activities. Analysis of settlement and cash service operations for clients at OJSC Uralsib.

Info

Bank accounts of enterprises, the procedure for opening them and conducting transactions. Settlements by payment orders, checks, collection, letter of credit. The overall profitability of cash settlement operations, its importance in the financial results of the banking system.

Length of banking day

Such a document is an order to hire an accountant or his contract; Cards with sample signatures of the enterprise management, as well as a seal imprint. How to open a current account in Sberbank? The account opening procedure will not take much time. You just need to contact a bank branch convenient for you to draw up an agreement.
You must take with you: a document confirming your identity (passport); funds for the first deposit (for individuals, the minimum amount of such contribution is 10 rubles or 5 US dollars/euro or their equivalent (for foreign currency deposits). After this, the individual entrepreneur must fill out all the necessary applications and sign agreements for the provision of bank services.

Operating time in Sberbank

If you are looking for data on Moscow branches, branches and cash desks, you can skip this menu item, since this city is listed there by default. 3. On the left side of the site you will have another list, in which, in the “General Information” sub-item, you need to find the “Regional Banks” tab and click on it. 4. Again, on the left side of the menu you will see another tab called “All bank branches”. This will take you to the branch information search page. Then it’s simple: select a locality, indicate the nearest metro station (if the search is carried out in Moscow), the category of customer service (legal entities, individuals or individual entrepreneurs). Content:

• Tariffs contracts operating hours
• Operating time for receiving documents
• Length of banking day
• Sberbank of Russia.

Additional office No. 9038/01267 “Sberbank of Russia” in Moscow

At the same time, the duration of the operating day in the Sberbank system is established by the financial institution itself and is necessarily indicated in the internal rules. Legal entities are given the opportunity to carry out standard financial transactions - making payments, as well as opening a current account. In this case, all documents submitted to the bank specialist on the operating day must be processed within the specified time. Service time for legal entities Operational time is the interval allocated for receiving documentation and performing transactions with accounts. The duration of the operating time is determined by the bank and approved in internal rules.
Phone: 88005555550 Website: http://www.sbrf.ru/chuvashia Opening hours: from 08:00 to 19:00 (Mon, Tues, Thu, Fri), from 09:00 to 19:00 (Wed), from 08: 00 to 18:00 (Sat) Premium service office only for large bank clients. Address: Cheboksary, st. K. Marksa, 51 [photo] Phone: 88003332233 Website: http://www.sberbank1.ru Opening hours: from 09:00 to 19:00 (Mon-Fri) Discussion: on the forum Address: Cheboksary, st. K. Marksa, 22 [photo ]Phone: 88005555550 Website: http://www.sbrf.ru/chuvashia Opening hours: from 10:30 to 18:00 (Mon-Fri) Specialized office for servicing legal entities No. 8613/003. Address: Cheboksary, st. Sberbank of Russia. Opening hours on November holidays 2016 Foreign Currency Wholesale Trade Center (FCTC). Address: Cheboksary, Moskovsky pr., 5 [photo ]Phone: 88005555550 Website: http://www.sbrf.ru/chuvashia Opening hours: from 08:00 to 19:00 (Mon-Fri), from 09:00 to 17:00 (Sat) Address:

Sberbank operating day for legal entities

OGRN; a participant’s decision to create an enterprise or minutes of a meeting of founders; TIN; extract from the Unified State Register of Legal Entities; a letter from Rosstat indicating the statistical codes; forms of contracts, questionnaires and applications; documents on the appointment of persons indicated on the card with signatures, and the card itself with a seal and signatures. Once all the necessary documents have been collected, you can begin registration. Cash settlement services (CSS) in Sberbank of Russia: conditions and tariffs A developed branch network allows you to cover the population in all corners of the country, and a wide range of services will help you carry out a financial transaction of any complexity.

The bank opens accounts in several currencies and services them in accordance with all rules, so any individual and legal entity will be able to receive high-quality cash settlement services.

All credit institutions in Russia have individual time limits for conducting settlement and cash transactions. A banking day at Sberbank in 2018 for legal entities lasts as long as the electronic system is functioning. Throughout the day, employees of the financial organization accept and process documentation; at the end of the operating time, they create a daily balance.

Features of the operating day

This concept refers to the part of a financial organization’s working hours when clients can make any transactions. In this case, documentation submitted during office hours must be processed and executed on the same day.

Before remote servicing came into use for modern citizens, bank employees spent a lot of time working with documents, so the working day was always shorter than the operating day. For example, if a department works until five o’clock in the evening, then the reception of papers ends at four o’clock. Within half an hour, clients could make payments, but a double commission fee was charged.

What time are corporate clients served?

Over the past three years, the situation with the length of the operating day has changed dramatically, thanks to the introduction of such a service as. Now the processing of numerous papers takes a minimum of time and often takes place without the participation of employees of a financial organization.

In 2016, Savings Bank made a statement that for legal entities and individual entrepreneurs using online banking, operating hours last from seven in the morning until eleven o’clock in the evening, without weekends or holidays. Moreover, when visiting a branch of a credit institution, service is carried out according to the standard schedule, from nine in the morning until six in the evening.

What transactions are available

During the operating day at Sberbank for legal entities, in accordance with the agreement on cash settlement services, the following operations are performed:

• Reception and work with payment papers;
• Processing cash documentation;
• Opening and introduction of deposit or credit accounts;
• Exercising control over clients' accounting documentation.

The greatest demand is for services such as opening a deposit, money transfers and obtaining information about the movement of funds in the account. Documentation received after business hours is processed the next day.

What operations are available at the end of the operating day?

The procedure for accepting documents after working hours is individual for each department and is described in detail in the banking service agreement.

Dividing the working day into operational and non-operational time allows you to competently implement the transition between different reporting periods for legal entities.

The bank's corporate clients can conduct transactions at any convenient time using remote services, with the exception of transactions related to the provision of paper documentation. For example, if you need to receive a bank confirmation of payment. In this case, you will have to visit the office during business hours.

Only additional offices are open... i.e. branches... from 8:30 to 18:00

What is a banking day: is it a calendar day or a working day?

When working with banking agreements, many people have encountered the concept of “banking day”.

And quite often, a misunderstanding of this concept leads to misunderstandings, since clients tend to confuse the definition of a banking day and a working day.

What is the difference between them, and how to correctly calculate the time specified in a formal agreement in one format or another? So, is a banking day a calendar day or a working day?

Find out about the terms for returning money to the buyer’s bank card when returning goods from our article.

Working day concept

To understand what the definition of a working day reflects, you can refer to the explanatory dictionary of the GARANT system.

1. A working day is considered a day when employees carry out activities according to a regulated shift schedule or routine established in the company. Employees do not work on weekends and other days.
2. A working day is a time period fixed at the legislative level and which is the norm for the duration of daily work duties. In other words, the number of hours and minutes of working time during the working day, reflected in the first formulation.

The legislative decoding of the working day is reflected in the Tax Code of the Russian Federation, paragraph 6 of Article 6.1. In accordance with this paragraph, a period not expressed in the form of calendar days is determined in working days.

Free legal advice:

In this case, a working day is considered a day that does not fit the legal definition of a weekend or non-working day.

What is a banking day?

The definition of a banking day refers to the period during which state-owned banks operate.

The beginning of work is considered to be the moment of opening of electronic payment systems, the end is the moment of closing of the specified system.

As a result, during this period of time, payments of any type can be made between individual clients, legal entities. individuals, financial organizations, including banks.

Read about where it begins and what foreclosure on the debtor’s property includes here.

Free legal advice:

How to count?

To correctly count banking days when working with a specific financial institution, you will need to ask the employee which days the organization itself considers to be banking days.

And also what hours the banking day is limited to. This will help avoid troubles in future cooperation.

Weekends and holidays when the bank does not conduct cash transactions are removed from the calculation.

Since calendar, banking and working days are not equal, you should pay attention to the wording used in contracts.

From what time to what time?

It is worth considering that a banking day and a working day at the bank itself most often differ in duration.

Free legal advice:

In most cases, banking hours are limited to between 10 a.m. and 4 p.m. on weekdays.

But in some organizations the numbers may differ.

During these hours, basic financial transactions are carried out. Public holidays are usually excluded when contracts are drawn up.

You can find information on how to return insurance for a paid loan and a sample application on our website.

In the contract

The most common use of the banking day term is in supply agreements. In this case, banking days are considered to be working days without days off. For example, the contract states that one party must complete its action within 4 business days.

Free legal advice:

The document was signed on Friday. The countdown of these 4 days will begin on Monday, not Saturday. In this case, the second party to the contract is obliged to make payment until Thursday inclusive.

In this case, you need to make it before the end of the banking day on Thursday, and not until the end of the day. Otherwise, the transfer of funds will be carried out only on Friday, which will violate the terms of the agreement.

In Sberbank

What days are considered banking days at Sberbank?

In Sberbank of Russia, banking days are considered working days, excluding weekends and holidays.

Consequently, weekdays from Monday to Friday will be considered banking days, Saturday and Sunday along with public holidays will not.

How to find out why bailiffs withdrew money from a Sberbank card without warning? Read about it here.

Free legal advice:

Saturday

Is Saturday considered a banking day? The answer to this question depends on the routine adopted in a particular organization. If on Saturday a bank carries out cash transactions typical for a banking day, then Saturday will be a banking day for its clients.

If bank employees work on Saturday but do not perform cash transactions, this day will be considered a working day, but not a banking day.

What is the difference?

A banking day is a period “included” within the working day. The working day is in most cases longer than that of a bank. However, the opposite also happens.

For example, if an employee works a shortened shift, and his number of working hours is less than the banking day established in a financial organization, during which the specified employee has the right to perform cash settlement operations.

Based on the above, a banking day is determined by cash transactions.

Free legal advice:

All other time while the employee is at the workplace refers only to his working day.

Operations with the cash register are not performed.

Unlike working and banking days, calendar days are determined only by dates in the calendar, which is reflected in the name. The main characteristics of a calendar day are the number in the current month, the month number and the year number.

There are as many calendar days as there are total days in the year. The number of banking and working days is less than a year.

Using the concept of a banking day can simplify or, conversely, complicate the task when drawing up agreements with a bank or between organizations.

Free legal advice:

It is important to take into account the differences between this definition and the concepts of working and calendar days. And, if necessary, replace it with another, more precise wording that fits the terms of the contract.

How does the consumer protection law save you from imposing a service? Find out the answer right now.

Sberbank day

Sberbank working days

In the Banks and Loans section, to the question Is Saturday considered a banking working day for Sberbank? The best answer asked by the author Ivan is Banking days at Sberbank are days from Monday to Friday, and also excluding holidays.

For example, the coming 2 and 9 May are not banking days this year, both days are Monday - May 2 is a day of rest due to the postponement of the holiday on May 1 (the holiday fell on the weekend), May 9 is a holiday.

Free legal advice:

There will also be no banking day on June 13 (Monday) due to the postponement of the holiday on June 12, which fell on Sunday this year.

In January this year, the numbers from 1 to 10 were also not banking days.

Banking days in Sberbank are clearly tied to Government Decrees on the transfer of holidays and weekends, and in some cases, banking days can be Saturday and Sunday, if the whole country works on these days.

yes, instead of Monday

Yes. Counts. (Salaries are often paid on Saturday).

Free legal advice:

Only additional offices are open. i.e. branches. from 8:30 to 18:00

no, because with a legal entity. persons do not work on Saturdays.

Sberbank extended operating days for corporate clients

Sberbank has increased the time it takes to serve corporate clients in online services. Now operations can be performed from 7.00 am to 11.00 pm, including on weekends.

Remote service systems allow you to receive current information about the status of your account at any time convenient for you, as well as perform banking transactions on the account, without the need to visit the Sberbank office.

Free legal advice:

Automated remote service systems ensure confidentiality and reliable protection of information transmitted during electronic payments to corporate clients. “Today, 97.5 thousand clients of Siberian Bank are connected to Sberbank business online, accordingly, extending the operating day will improve the quality of service for each of them,” noted Alexey Baryshev, Deputy Chairman of Siberian Bank PJSC Sberbank.

Detailed information is available on the bank’s website, as well as by calling 555-0.

The concept of “banking days”: what is it?

General concept

The concept of “banking day” can be found quite often in contracts between various legal entities, since it is this time period that is used to determine the length of time allotted for making payments. At the same time, the legal entities in question may be very far from the banking sector in terms of their type of activity.

However, in the process of interaction between specific banking institutions, the concept of a banking day can be clarified depending on the specific hours of its operation. Currently, many banks, to accommodate their customers, significantly extend their opening hours or arrange for employees to work on weekends and holidays. In this case, the concept of a banking day changes for them in a similar way, that is, the period of time during which they can conduct financial transactions is extended.

Free legal advice:

Sberbank operating hours during the New Year holidays

We inform you about the operating procedure of branches of SB Sberbank JSC on the pre-holiday days of December 28 and 29, 2017:

December 29, 2017– operational and cash services for customers will be provided until 13:00. Please adjust your time and complete the procedures for the following operations before 13:00:

Accepting payment documents from clients, as well as making transfers in tenge and foreign currency, including in remote channels for servicing individuals and legal entities (Sberbank Online, Sberbank Business Online, ATM, information and payment terminals);

Free legal advice:

Acceptance of cash payments to repay loans;

Acceptance of non-cash payments for loan repayments;

Acceptance of payments and issuance of money through international urgent money transfer systems “Hummingbird”, “Golden Crown”, “Western Union”;

Carrying out cash transactions;

Acceptance of collected proceeds from Bank clients and crediting to accounts;

January 1, 2, 2018- according to the Law “On Holidays in the Republic of Kazakhstan”, days off.

The first working day of the new year is Wednesday, January 3, 2018. The bank will operate as usual.

Free legal advice:

We wish you a festive mood and a happy New Year!

Almaty, Al-Farabi Ave. 13/1, PFC “Nurly Tau”, Block 3 “B”

© 2016 SB Sberbank JSC

License No. 1.2.199/93/31 dated December 23, 2014, issued by the National Bank of the Republic of Kazakhstan

Free legal advice:

Banking day is

A banking day is the working hours of a particular bank or the period during which a credit institution carries out settlement operations and customer service. Each bank has the right to independently determine and establish the duration of the banking operating day, during which the banking transactions carried out will be dated by this date. The entire operational and accounting cycle, carried out in one banking day, is documented in the relevant accounting documents and reflected in the daily balance sheet for on-balance sheet and off-balance sheet accounts.

Banking day in Russia

The banking and tax legislation of the Russian Federation does not provide an unambiguous interpretation of the concept of “banking day”. Most often, a banking day is declared identical to a working day or operating hours of a specific credit institution. In some cases, a bank's operating day is shorter than the working day of the same institution. The duration of the operating day is established by a special order in each individual bank. To find out the hours of the operating day, you should contact the credit institution itself directly.

Calculation of banking days

In order to correctly calculate the banking days provided for in the agreement, it is necessary to take into account all the bank’s working days, that is, the days on which the credit institution carries out settlement operations. The following days should not be included in the calculation of banking days:

Thus, the calculation of banking days should include only those days on which the bank operates and provides settlement services. When drawing up any contracts, you should remember that the concepts of “working day”, “calendar day” and “banking day” are not identical and choose the most accurate wording.

What does banking day mean?

A calendar day can rightfully be called a banking day if it simultaneously meets all the following criteria:

Free legal advice:

1. At the beginning of this day, the balance of incoming funds is revalued in foreign currency;
2. After this day, the corresponding bank statements are prepared in numerical form, indicating compliance with the standards;
3. This day is a calendar day on which the credit institution has provided working hours for settlement services to citizens;
4. On this day, the corresponding branch of the Bank of Russia, the leading correspondent account of a commercial bank, has allocated operating time.

Banking day in a specific organization

The bank's operating activities involve mutual settlements between various credit and financial structures. The term Banking day in a particular organization characterizes the period of time for performing financial transactions, established by internal regulations. The schedule for accepting/paying out banknotes may not be the same. To avoid confusion, you should check the working hours with the operator.

Some institutions carry out payments on weekends and holidays. The period for the implementation of credit, currency, and settlement transactions will be increased, which must be taken into account.

Banking days in cash settlement services

For legal entities, violation of the deadlines for making payments in favor of counterparties established by agreement can lead to material losses. Banking days in cash settlement services are characterized by a different schedule of operating activities in each financial institution. The operating hours of a particular branch or department must be clarified with the employees.

The timing of payments determines the type of payments. The duration of certain types of operations, regardless of the length of the operating day, reaches several days. During the holiday period, delays may occur due to conflicting schedules of individual financial institutions.

Use of the term in supply contracts

When defining in contracts the period for the delivery of products or goods, a banking day is sometimes indicated as a unit characterizing the period for fulfillment of undertaken obligations. Since there is no clear definition of this term, it is necessary to clearly define its wording in the document regulating the rights and obligations of the parties.

Free legal advice:

The use of the term in supply contracts without specifying a specific time frame can lead to confusion during mutual settlements. The discrepancy between the operating modes of financial organizations serving legal entities is a frequent cause of conflict situations between counterparties.

What is the difference between banking days and working days?

The activities of credit structures are characterized by various terminological concepts that determine the real time of their work. What is the difference between banking days and working days? The first concept implies the period during which operational employees accept/pay out monetary units for various types of payments in accordance with the procedure established by the bank.

The second concept defines the total duration of an organization’s work throughout the day, including the time spent implementing operational activities and carrying out other operations that do not involve customer service.

What is a working day?

The lack of a unified interpretation of concepts causes confusion, which results in missed payment deadlines and material losses. What is a working day? This is a period that includes the time of operating activities and the duration of other work, including the performance of a number of operations within the scope of staff duties.

In general, the working day lasts longer than the banking day, but in practice, the timing of both often coincides. Moreover, in the first case, it is also considered a calendar day during which the employees of the institution are at work, but do not serve clients.

Free legal advice:

• Registration

A request will be sent to the e-mail address you provided; to confirm your registration, follow the link.

Password recovery instructions have been sent to the specified e-mail.

One of the most popular financial institutions in the Russian Federation is Sberbank. Almost every solvent Russian has used his services at least once. The country's largest banking institution offers a large number of different services to improve the quality of service. For those legal entities who are regular clients, it is very important to thoroughly have information about all the nuances of the bank’s functioning: how operating days in Sberbank are distributed calendar-wise, what is the length of operating time.

Operational day for legal entities at Sberbank

Operational (banking) day is that part of the working time when bank institutions carry out financial transactions with funds of legal entities and individuals:

• opening and closing various types of accounts.
• transfer of payments from one account to another.
• issuance and servicing of loans.
• remote transactions with clients’ financial assets through bank card servicing.

It is mandatory for the bank to process documents and carry out transactions on the accounts of legal entities and individual entrepreneurs on a daily basis.

The duration of document processing directly depends on the quality of remote services.

Before the introduction of Internet banking, financial transactions took much more time.

Before the introduction of such convenient banking tools as Internet banking and other online systems, transactions were accompanied by a large number of paper documents. Their preparation, approval and posting took a significant part of the working time of bank employees. Considering that the working day ends at 17-00, the banking day for legal entities usually lasted until 16-00.

The transaction time for those clients who needed to make an urgent transaction with financial funds before the end of the working day was extended. But the service fee increased significantly.

Sberbank online service

In order to improve document flow and reduce service time, the largest bank in Russia, following Alfa Bank, introduced in February 2016 a system of electronic document flow and transactions on the accounts of clients - legal entities. Thanks to this, it became possible to significantly increase operating time. Sberbank Business Online is a powerful electronic system for processing payment documents of bank clients at any time of the business day.

The banking day at Sberbank for legal entities and individual entrepreneurs lasts from 7:00 to 23:00. For calculation purposes, the officially established time zone of the locality where the banking operation is carried out is used. Banking days are all working days of the week from Monday to Friday, as well as Saturday and Sunday. If, by decision of the management of Sberbank, a weekend, holiday or other day is not a banking day for clients, official notification is carried out through mailings, through the 24/7 support service and the financial institution’s website.

Sberbank Business Online greatly simplifies financial transactions

Improving remote service for Sberbank clients

Through the Sberbank Business Online mobile application, Sberbank’s corporate clients have access to a full range of services stipulated by the concluded agreement for settlement and cash services every day from 7:00 to 23:00. The only caveat: clients can receive official documents in paper form only during the working hours established for the branch where the payment was made. Thus, if funds are transferred from one account to another during operating hours, the payer client’s representative will receive a note about its completion until 17:00. In order to avoid such inconveniences, it is necessary to stipulate the possibility of receiving such documents in electronic form, using a digital signature.

Legal entities and individuals who have opened current accounts with Sberbank have access to popular electronic services:

1. Online opening of current accounts in rubles and other currencies.
2. Account management through the Sberbank Business Online mobile application.
3. Cash collection using a smartphone.
4. Depositing funds into your account through any ATM equipped with a function for accepting banknotes.
5. Remote account reservation for legal entities.

In just a few years, thanks to the widespread use of IT technologies, Sberbank has increased the speed of customer service by more than six times. Today, the average payment speed is about four minutes. For those clients who open a current account, operating hours begin just five minutes from the moment the application is submitted. From now on, account details can be entered officially. Payments may be sent to it. To send the first payment from a newly opened account, the client’s representative must visit a Sberbank branch for identification. From this moment on, the current account of a legal entity or individual entrepreneur is serviced in full.