Sberbank of Russia in September 2017 launched a new package of RKO services aimed at an audience of small businesses and entrepreneurs " Easy Start". First of all, this product is aimed at small firms and enterprises, as well as still fragile beginning businessmen, for whom any additional financial burden on the business may, if not be fatal, then subject them to unnecessary tests of strength and undermine growth.
So, first, let’s figure out what RKO is.
RKO is a cash settlement service system, a range of bank services for legal entities, offering financial settlements for organizations. The standard set of cash settlement services in most banks includes:
- opening and servicing a current account (both in rubles and foreign currency);
- conducting non-cash payments;
- cash transactions (cash services);
- provision of account statements about the status and transactions performed.
Currently, many banks, in addition to cash settlement services, provide the service of performing account transactions through the Client-Bank remote access system via the Internet.
Offers from Sberbank
The cash settlement system in Sberbank is represented by the following service packages:
- "Minimal +"
- "Basis +"
- "Optima +"
- Salary
- Trade plus
The essence of all the indicated packages is that they provide approximately the same set of services in different volumes at an appropriate monthly payment. The services here are presented in the following list:
- Opening and maintaining a current account (corporate card);
- Carrying out electronic payments;
- Cash acceptance;
- Cash withdrawal;
- Providing information about account transactions.
New Horizons
So, from September 1 of this year, Sberbank, in addition to the specified list of packages, advertised a new package - “Easy Start”. Let's look at its key features and differences from previously available packages.
The main purpose of the introduced plan is to reduce the costs for budding entrepreneurs to access vital Sberbank services for small businesses. “We know how difficult it is to take the first steps in entrepreneurship and understand perfectly well that at the start of a business, clients are especially sensitive to any expense items,” said German Gref, head of the board of Sberbank. “Realizing this, we decided to take an unprecedented step and for the first time are launching a free package of services for small businesses. The Bank is interested in developing a culture of entrepreneurship in the country. We want a person who decides to start his own business to face as few barriers as possible, including financial ones. “Easy Start” was developed primarily taking into account the needs of beginning entrepreneurs. We believe that by starting a business with Easy Start, our clients will be able to implement and scale their ideas.” Well, here are the benefits of the new package:
- free opening of a current account;
- free account maintenance in rubles and use of the Sberbank Business Online Internet bank;
- all payments to legal entities to accounts opened with Sberbank are made without commissions;
- free 3 payments per month to legal entity accounts opened in other banks. For the 4th and subsequent payments - 100 rubles;
- the first year of servicing a corporate card is free;
- depositing cash into your account through ATMs and self-service devices of Sberbank - with a commission of 0.15%.
Although such conditions are not unique on the market, at first glance, at least they look interesting and attractive. Representatives of a growing business should really pay attention to the presented business solution, which was created precisely for their benefit. Here we see another, albeit not broad, but still step by the state and the banking system towards developing business.
Easy start?
However, a number of experts are still not overly optimistic in this situation and consider the free “Easy Start” package to be a method of attracting additional customers. Indeed, in modern realities, it is hard to believe that someone will work at a disadvantage, solely for the sake of an idea. Moreover, it is worth recalling that the range of cash settlement services is much wider than in the described package for a start-up business. Although “Easy Start” has the outlines of a free solution, Sberbank will charge for additional services and possibly even at inflated rates, thereby pushing clients to consider more expensive and traditional service packages. Therefore, having studied all the advantages outlined above, which promise cloudless, profitable prospects in working with Sberbank, the memories of free cheese in the mousetrap and the thought that the bank, as usual, will not miss its opportunity, still linger. In all likelihood, the final verdict, as always, will be determined by time and experience. Here, each client needs to weigh the pros and cons for himself, and carefully study the “fine print”. Without the desire to exaggerate, it is worth noting that although the launch of “Easy Start” took place on September 1, 2017, according to Sberbank, according to reports from pioneer clients, as of September 12, 2017, in practice it is still impossible to connect to the “Easy Start” service package in bank branches .
© Provided by the bank's press service. Anton Kamenev
17 Oct 2017, 07:49Literally one month was enough for entrepreneurs to understand the advantages of “Easy Start” - a new product from Sberbank, developed by the country's leading credit institution as part of the strategy to support small and micro businesses.
The Easy Start service package was launched in early September. As of October 10, more than two thousand clients in Siberia took advantage of the program, and more than 600 in Novosibirsk, Anton Kamenev, deputy manager of the Novosibirsk branch of Sberbank, said at a meeting with journalists.
According to him, Sberbank has many small and micro-businesses who are interested not so much in borrowed funds, but, first of all, in making payments. “Such clients need the bank as a reliable, convenient transaction operator. We understand perfectly well that entrepreneurs are especially sensitive to any expenses when starting a business, which is why the bank took such an unprecedented step. It is to meet their needs that the Easy Start package was developed, Kamenev explained. According to him, now only 12–15% of clients apply for loans, while the rest develop using their own funds.
“Easy Start” provides a range of services without a subscription fee, free account opening, free transfers to counterparty accounts in Sberbank. Service is provided seven days a week, seven days a week. You can also make up to three external payments per month for free - to accounts in other banks. Naturally, no commissions are charged on tax payments. In addition, clients who have activated Easy Start will be able to use a Sberbank business card for free for a year, and have the opportunity to receive up to 120 thousand rubles as a gift for promoting their business on the Internet.
“Easy Start” aroused great interest already at the time of launch. The product was actively discussed on social networks and forums. "It's all too good< … >Is there a catch somewhere,” user ArcticFox shared his opinion in early September on the forum on banki.ru. But skepticism quickly dissipated. This is evidenced by the pace of connecting new clients. As of mid-September, Sberbank's Easy Start service package was used by about 300 clients in Novosibirsk. In less than a month, the number doubled - to more than 600. Now in Altai there are more than 400 clients, in the Krasnoyarsk Territory and Kemerovo region - more than 300. According to the Siberian Bank of Sberbank, about 60% of new accounts are opened within the framework of the Easy Start product, and in in the country as a whole - about half.
According to Anton Kamenev, the product is suitable for small and micro businesses in any industry, from retail trade to manufacturing and financial technology startups. “By starting their business with Easy Start, our clients will be able to implement and scale their ideas,” the banker is confident.
To further develop the business, the bank also has a product for entrepreneurs called “Smart Loan,” when a client is given a pre-approved offer. According to Kamenev, Big data technology is used to assess the client’s solvency, analyzing transactions. No additional documents are required from the client to receive a loan. If approved, the manager contacts the client, and all that is required is to fill out a form, and on the same day or the next the money will be credited to the account.
In Novosibirsk, 400–500 clients every month have the opportunity to take advantage of such loans; the total amount issued by Siberian Bank is about three thousand per month. “Business needs quick money, and the speed of receipt sometimes plays an even greater role than the rate,” Kamenev clarifies. According to him, Smart Credit has been working in test mode since the middle of last year. Now the bank has switched to streaming loans. Payment discipline is within the bank's portfolio.
Speaking about the strategic goal of supporting small businesses, Sberbank strives to create an ecosystem that includes additional services and opportunities. The central place in it is occupied by the operational infrastructure for small and micro businesses as well. The Evotor smart terminal with cash register functions and services for managing sales, an application store complete with banking services: acquiring and Sberbank Business Online became part of such an ecosystem.
Customers appreciated the convenience of the terminals. During the first year of operation, 135 thousand devices were sold, said Oleg Divnogorsky, regional manager for the Siberian Federal District of the Evotor company. The company expanded its line of devices and presented journalists with two more improved models. One of them is with an enlarged display, especially for HoReCa establishments. Both devices support fast receipt printing, connecting to the Internet in any available way, as well as integration with various catering management programs.
“This is a powerful start,” emphasized Oleg Divnogorsky. “Through the use of small devices, small businesses can gain access to technologies previously only available to large retailers.” For example, it is possible to connect acquiring, which increases the average turnover of a retail outlet by an average of a third. But the opportunities for growth and development of small businesses are not exhausted. Thus, Evotor has its own store, where more than 150 applications are available, which provide product and management accounting and reporting, accounting, drivers for retail equipment and acquiring, tools for increasing sales and marketing.
The greatest interest in Evotor is shown by retail companies, both food and non-food retail, 18% of clients represent wholesale trade, 10% - catering enterprises, a small part belongs to production, transport, and healthcare.
Among many similar organizations, Sberbank is a good bank that can not only guarantee reliability, but also provide its clients with a lot of unique and very profitable services. The employees of this structure have worked fruitfully so that now people can enjoy all the privileges of the system. Every year the system is modernized and optimized. This results in:
- simple and intuitive website interface;
- qualified and prompt assistance on any banking issues;
- good concessions for clients, bonuses, favorable conditions;
- reliability and communication skills.
The list of advantages that this bank is tirelessly developing can be continued. The organization’s employees are interested in the client’s trust, so you can always count on their help.
Sberbank: “Easy start”
This offer provides very profitable services and unique opportunities, thanks to which you can save a lot of time and money. The client is provided with a package of services for settlement and cash services of accounts. Among the advantages are the following free features:- account keeping;
- payments within Sberbank.
An additional service is free use of the "". This allows you to carry out transactions with accounts anywhere there is Internet access. This offer is perfect for running a small business. In a very short time you can save a lot of money, put in order and structure all ongoing financial processes. A considerable number of people have already used this system; these services have provided them with invaluable assistance. If you have any doubts or do not have a definite understanding of these possibilities, you can always consult an experienced employee of this bank. It is enough to describe your situation in a few words, and a specialist will quickly be able to select the most suitable services and tell you about the latest profitable offers. Thanks to coordinated work, Sberbank can become a reliable partner and steadfast support for everyone.
Sberbank presents a new service package “Easy Start” with free servicing. This package is suitable for novice entrepreneurs who are just starting their first steps in business. The undoubted advantage of this package of services is the absence of commissions and fees for its administration. In addition to this, Sberbank does not charge a commission for a transfer operation within the bank, and also provides a business card linked to a legal entity’s account free of charge during the first year of service.
In our opinion, this is a revolutionary proposal in the field of settlement and cash services!
This package of services is quite enough to accept payments to your account for your services, to counterparties within Sberbank in 20/7 mode (including on holidays and weekends), and contributions, as well as to withdraw money to an individual’s account without commission. faces.
What is included in the "Easy Start" service package
Included in the service package Easy start includes free transfer of money to your account by bank transfer and a year of servicing a business card linked to a legal entity’s account. Closing an account is also free. In addition, the bank is ready to donate up to 120,000 rubles for advertising your business on the Internet.
Open a current account in Sberbank
You can open an account online on the bank’s website in a couple of minutes, the account will be ready and you can immediately transfer money to the account. Convenient and fast! All you have to do is complete the account by coming to the nearest one and providing the documents necessary to open an account. (listed at the very bottom of this article)
The registration procedure will take no more than 1 hour.
For convenience, you can add additional options to the free package, for example, a self-collection service, as well as other options depending on the direction of your business. If the moment comes when the “Easy Start” package is not enough for you, you can easily switch to another Sberbank tariff plan without re-issuing documents - after all, the bank already has everything. Most packages are available to choose from. To apply for or change a package of services, you do not have to go to the bank’s office; you just need to submit an application online.
Please note that the new package will begin on the 1st of the next month after submitting your application. If you submitted an application to change the package 3-4 days before the end of the month, there is a chance that the package will change from the first day of the month, since we need some time for processing.
You can open an account with Sberbank using the link: https://www.sberbank.ru/start
Tariffs for servicing a current account in Sberbank
In total, Sberbank has 4 service packages:
- Easy start(0 rubles per month)
- Minimum +(990 rubles per month)
- Basis +(2100 rubles per month)
- Optima +(3100 rubles per month)
Depending on the tariff, the cost of payment from the current account and the commission for depositing money into the current account change.
Tariffs for servicing a current account at Sberbank depend on the city of service. Tariffs in different cities will vary slightly. For example, let's give an example for Moscow.
Tariffs for settlement and cash services of Sberbank PJSC in Moscow are valid from 12/01/2017
| Name of service | Cost of service in rubles |
|---|---|
| Opening an account | 3000 rub. |
| Account management | 1700 rubles per month |
| Transfer of funds to an account at Sberbank PJSC | 11 rubles per payment |
| Transfer of funds to other banks | 32 rubles per payment |
| Transfer of funds to tax authorities, budget | for free |
| Accepting cash into your account through a self-service device | 0.3% of the amount |
| Cash withdrawal from the account for other payments and individual entrepreneurs | |
| - up to 2 million rubles. per month inclusive; | 1.4% of the amount, min 250 rub. |
| - over 2 million rubles. up to 5 million rubles per month; | 4% of the amount |
| - over 5 million rubles. per month | 8% of the amount |
For each of this line of tariffs the following is provided free of charge:
- Payments to the budget
- Statements of current transactions
- Accounting for individual entrepreneurs without employees (STS 6%)
- Transfer to the accounts of individuals up to 150 thousand rubles. per month (only for individual entrepreneurs)
Additional options
As we already wrote above, you can add an additional option to any of the tariffs depending on your business tasks.
It could be:
- Business card (pay bills and services directly from the current account of a legal entity)
- Acquiring (expand the geography of your business and accept payments via your website)
- (the largest social package for employees and instant salary transfer)
- Accounting (do the accounting yourself, and the bank accountant will supervise you)
- Evotor online cash register (accept payments without violating the law 54-FZ)
- (insure your company's property and employees against accidents and illness)
- (interest rates from 11.8% for up to 10 years, the bank makes a decision on a loan from 1 day)
- Bank guarantees (low commission to ensure participation in tenders and production time from 1 day)
- (discount from manufacturers up to 15%, 6 documents for consideration of the transaction)
- Factoring
- Collection
- Foreign economic activity and exchange control
How can I switch to the “Easy Start” service package if I already have an account with Sberbank?
Connect the package to your current account or contact a bank branch.
Does the Easy Start service package have any limitations compared to paid packages?
There are no restrictions on connecting the package. But if you have a large number of payments to external counterparties or plan to withdraw cash, you should pay attention to other service packages in our line.
Is it possible to connect a salary project to the packages?
Yes, a salary project can be connected under standard conditions.
I am an individual entrepreneur. How much cash can I withdraw per month from my account and transfer to my card?
An individual entrepreneur can transfer up to 150,000 rubles per month to his personal card without additional commission. There are no restrictions on withdrawing cash from a current account by check. The bank charges a commission for withdrawing cash from your current account.
What documents are needed to open a current account with Sberbank?
If you are a resident of the Russian Federation, then you will need the following package of documents:
- Constituent documents
- Extract from the Unified State Register of Legal Entities
- Card with sample signatures and seal impressions
- Client information according to the Bank's form
- Documents confirming the election or appointment of persons specified in the Card and/or authorized to manage funds in the account using an analogue of a handwritten signature, and their powers to dispose of the account
- Documents confirming the powers of the sole executive body of a legal entity
- Identification documents of officials and/or persons authorized to manage funds in the account
- Licenses (permits) for the right to carry out activities subject to licensing
- Licenses to work with state secrets / information containing information about a license to work with state secrets (if available)
We wish you good luck in opening an account with Sberbank and success in business!
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