Professional

4990 rub/month

4-6% on the balance,

online service

Name of service

Service cost

SETTLEMENT AND CASH SERVICE OF ACCOUNTS IN RF CURRENCY

ACCOUNT MAINTENANCE

Account opening

with the exception of:

* Opening an account for clients in the Small Business segment with annual revenues of up to 1.8 million rubles. when the client receives a loan in this structural unit at the same time

• 2400 rub.
• 700 rub.

Account management

excluding accounts:

serviced using the remote banking system

non-profit organizations (public organizations / associations, foundations), whose statutory goals are to support veterans of the Second World War and the disabled

• 1800 rub. per month
• 600 rub. per month

is free

Re-registration of documents in connection with a change in the details of the client (amendments to the legal case)

Providing a statement of current account transactions

is free

Provision of a duplicate statement, copies of payment and other documents at the request of the client about transactions on the account for a period of:

• * up to 3 months
• * over 3 months

• 150 rub. for one document
• 300 rub. for one document

Providing information about account transactions:

• * about balances, turnovers and transactions on one account, about the absence of transactions on the account:
  • - up to 20 sheets
  • - from 20 to 100 sheets
  • - more than 100 sheets
• *about availability of accounts

• 250 rub. for one copy of the certificate
• 1250 rub. for one copy of the certificate
• 1250 rub. for one copy of the certificate for the first 100 sheets + 10 rubles. for each subsequent sheet
• 140 rub. for one copy of the certificate

Printout of the card index for the client's account

is free

Sending requests at the request of the client regarding the details of payment documents for received funds, changing the details for previously sent payment orders, searching for expected and sent

amounts, cancellation of the transfer at the request of the client

300 rub. per request

Closing an account at the request of a client

PJSC "Plus Bank" provides a full range of services for settlement and cash services. Settlement and cash services for the bank's customers fully comply with the high standards of quality banking services and allow reducing the cost of banking services due to minimal tariffs and favorable conditions. Highly professional employees of the bank work in constant contact with the client, solving the whole range of emerging problems. Settlement and cash services for legal entities and individual entrepreneurs in PJSC "Plus Bank" - this is the prompt and convenient execution of any financial transactions, including using online banking. The advantages of the settlement and cash services of Plus Bank for legal entities and individual entrepreneurs are high speed, comfortable atmosphere of communication, high level of service, use modern technologies, safety of calculations. All this allows us to best meet the needs of our customers.

*“The service package “Starting+” is provided to clients in Moscow and St. Petersburg”.
** When connecting to the "Start+" package, special conditions apply for legal entities as part of the "Successful Start +" promotion: 3 months free service on the "Start+" package and free Additional services when opening an account (producing and certifying copies of documents and certifying a card with sample signatures). The promotion is valid until 12/31/16, applies to Moscow and St. Petersburg. You can find more information about the conditions of the promotion on our website - .

More about settlement and cash services in Plus Bank

Advantages of cash settlement in Plus Bank:

• Convenient internet bank iBank2. 24/7 access to the current account.
• Payments in 2 clicks. On average, the payment procedure through iBank2 takes 5 minutes.
• Control the status of your account at any time of the day from anywhere.
• The Bank does not use a voyage payment system. All payments are processed as they are received from the client and immediately sent to the recipients.
• Bank card. Each client is issued a card for household expenses, cash withdrawals and online payments.
• A single cash register in each region of the bank's presence.
• Highly professional staff who are always ready to advise you on all issues.

RKO in Plus Bank

PJSC Plus Bank provides settlement and cash services to legal entities through electronic payments through the State Settlement and Cash Center of the Bank of Russia. In addition to the main cash settlement operations for legal entities, Plus Bank PJSC can offer you additional services, such as cash collection, trade enquiring, payroll project or remote banking services. A Bank employee who will work with your organization will tell you more about all the services.

Advantages of cooperation with PJSC "Plus Bank":

• Both for legal entities and for individual entrepreneurs, settlement and cash services are carried out on favorable terms, with minimal tariffs.
• High speed of operations.
• Impeccable customer service in the bank - RKO is carried out by highly professional employees who are always ready to advise you on all issues.
• The security of settlements is an extremely important indicator of the quality of cash settlement services for individual entrepreneurs and legal entities.
• By choosing Plus Bank, you choose the most convenient and reliable way managing the financial assets of your organization.

High service standards

Settlement transactions for the transfer of funds on behalf of the Bank's Clients are carried out through electronic payments through the settlement system of the Bank of Russia and its own correspondent network of Plus Bank PJSC. FROM complete list operations you can get acquainted with your operator, who will answer all your questions and offer the best service for you.

Settlement and cash services for bank customers are carried out in strict accordance with the regulatory framework - the law of the Russian Federation "On banks and banking activities", the Civil Code of the Russian Federation, the Regulations of the Central Bank of the Russian Federation on non-cash payments and other documents of the Central Bank of the Russian Federation. Settlement and cash services for legal entities and individual entrepreneurs is a whole range of services that ensure the stable daily functioning of your organization:

• Opening and maintenance of savings and current accounts for legal entities and individual entrepreneurs in rubles and in foreign currency.
• Carrying out cashless payments.
• Cash service - cash transactions.
• Conversion and documentary operations.
• Issuance of account statements.

How to open a current account for legal entities and individual entrepreneurs

Opening an account with Plus Bank is easy

Read the conditions and leave an online application on the website for opening a current account

The manager will call you back within 30 minutes, answer your questions and help collect documents

Come to the bank branch to open an account. Registration takes from 30 to 60 minutes

The result of the development of settlement and cash services for individuals in Sberbank of the Russian Federation was the achievement of a leading position in this market sector, based on competitive price conditions and the quality of services provided, a wide product range.

In the face of increasing competition, maintaining the leading position of Sberbank of Russia in this segment financial market and further development of cash settlement operations for individuals is primarily associated with improving the quality of services provided, pursuing a flexible tariff policy and reducing the complexity of operations for the client and the Savings Bank. In order to consolidate the size of payments made and, accordingly, reduce their cost, along with operations related to payments for housing and communal services, Sberbank of the Russian Federation is developing services for household payments in favor of retailers, enterprises and organizations providing household, transport, legal, educational, tourism, telecommunications, insurance, medical and other services. Sberbank of Russia actively supports an increase in the volume of non-cash receipts on deposits and debits from accounts on behalf of a client.

Sberbank of the Russian Federation significantly expands the volume of servicing operations money transfers individuals in rubles and foreign currency. The volume of services for property transactions of citizens, related consulting services, and the volume of services for renting individual safe deposit boxes are increasing.

Cash services for individuals include: income and expenditure transactions, purchase and sale of foreign currency, sale of coins, ingots of precious metals, rent of individual safe boxes.

Income and expenditure transactions are carried out in the cash department. The department performs the following functions: acceptance of cash and other valuables, issuance of cash and other valuables.

The scheme of settlement and cash services for individuals in the Central Office No. 4205 of Sberbank of Komsomolsk-on-Amur is shown in Figure 4:

Figure 4 - The structure of settlement and cash services for individuals in the Central Office No. 4205 of Sberbank of Komsomols-on-Amur

An individual wishing to open a deposit account - fills out a credit order, an alphabetical card and a deposit agreement, and also gives a sample signature on the front card. The controller completes the receipt order, in which he indicates the client's account number, branch number, accrues interest on the deposited amount and signs the order, enters Form 1, which indicates:

• - surname, name, patronymic of the client;
• - Account number;
• - branch number;
• - the amount of the down payment;
• - date of birth of the client;
• - interest charges;
• - place of registration;
• - expiration date of the deposit and capitalization period.

The controller issues savings book, which should indicate:

• - name and location of the savings bank;
• - deposit account number;
• - the amount accepted as a contribution.

At additional contribution the client fills in an incoming order, in which he indicates the last name, first name, patronymic of the account holder, the amount of the contribution, the date of the transaction and signs the order.

Funds can be accepted as a deposit from another person upon presentation of a savings book and a passport of the depositor. If the book is not presented, cash is accepted on the basis of a receipt, the original of which remains with the depositor.

The main documents when making debit transactions in the bank are money checks, disbursement orders. When issuing funds from a deposit, the client provides a passport, a savings book and a completed expenditure order.

The controller conducts an expense transaction for personal account, displays the remaining interest and makes an entry in the savings book.

A client - an individual can draw up a power of attorney or a will for a deposit.

Also, at the present time, they have acquired a wider meaning currency operations with individuals.

CO No. 4205 of Sberbank of Kosomolsk-on-Amur created a universal system of settlement and cash services for the entire range of foreign exchange transactions. The following operations are carried out at the operating cash desks of the Savings Bank:

• - purchase and sale of cash foreign currency for cash rubles (US dollars, euros, Japanese yen, Chinese yuan);
• - purchase and sale of payment documents (traveler's checks) in foreign currency for cash rubles, as well as sale and payment of payment documents for cash foreign currency;
• - acceptance for examination of banknotes of foreign states, the authenticity of which is in doubt;
• - acceptance for sending cash foreign currency for collection;
• - operation for the exchange of banknotes;
• - replacement of a non-payment banknote with a payment one banknote;
• - purchase of banknotes for cash rubles;
• - exchange of payment banknotes of a foreign state of one denomination for a payment banknote of the same foreign state with the same denomination;
• - issuance of cash foreign currency/cash rubles on debit and credit cards.

Having an account in rubles and foreign currency, you can buy or sell the currency that is on the account of a client - an individual, by performing a non-cash conversion operation on the account. For these purposes, the bank daily sets a special buying and selling rate for carrying out conversion operations with the account of individuals.

If there is a deposit in rubles and foreign currency, when making a purchase transaction, it is necessary to fill out an order for debiting funds from a ruble deposit and an order for crediting funds in foreign currency for the amount calculated at the exchange rate set by the bank on the day of the transaction.

Currently, CO No. 4205 of Sberbank of Komsomolsk-on-Amur open foreign currency accounts on demand and urgent to individuals. Interest rates on currency deposits are systematically reviewed by the bank in accordance with market conditions. Deposits are accepted in the name of a specific person. The structure of deposits in foreign currency in CO No. 4205 of Sberbank of Komsomolsk-on-Amur is presented in Appendix B.

As part of non-traditional banking operations includes operations of banks with precious metals. Precious metals have investment value and are a tool for the formation and accumulation of funds. Therefore, they belong to financial assets and may be subject to banking transactions.

Operations with precious metals currency values are regulated by the Law of the Russian Federation of December 10, 2003 No. 173 - FZ “On currency regulation and currency control”and the Law of the Russian Federation of March 26, 1998 No. 41 - FZ “On Precious Metals and Precious Stones”.

Precious metals are gold, silver, platinum, platinum group metals (palladium, iridium, rodite, ruthenium, osmium) in any form and condition, with the exception of jewelry and other household products, as well as scrap of such products.

In order to carry out transactions with precious metals, the bank must obtain permission to carry out such transactions - a license to carry out transactions with precious metals. The specified license is issued by the Central Bank of the Russian Federation operating bank in the presence or simultaneously with a license to carry out operations in foreign currency. A newly created bank can also obtain a license to conduct operations with precious metals along with a license to conduct banking operations with funds in rubles and foreign currency (without the right to attract deposits from individuals).

The license (permission) for carrying out operations with precious metals gives the bank the right to attract deposits and place precious metals.

Banks have the right to carry out the following operations and transactions with precious metals:

• 1. buy and sell precious metals both at their own expense and at the expense of their clients, acting as a commission agent or agent under commission or commission agreements;
• 2. attract precious metals into deposits (on demand and for a fixed period) from individuals and legal entities;
• 3. place attracted and own precious metals on its own behalf and at its own expense to deposit accounts in other banks, as well as provide loans in precious metals;
• 4. provide and receive ruble and foreign currency loans secured by precious metals;
• 5. store and transport precious metals;
• 6. carry out transactions of purchase and sale of precious metals.

Banks carry out operations with precious metals with the opening of metal accounts. Metal accounts are opened for individuals and legal entities, including banks. Banks open metal accounts to store precious metals responsible storage. Precious metals accepted from the client for storage are not borrowed funds of the bank and cannot be placed on their own behalf and at their own expense. To carry out operations to attract deposits and place precious metals, banks open unallocated metal accounts.

CO No. 4205 of Sberbank of Komsomolsk-on-Amur sells gold bullions. Measured ingots are made and marked Russian organizations in accordance with current state standards, weighing from 1 g to 1 kg with a chemically pure gold content of at least 99.99% of the ligature mass of the ingot. The Bank provides qualified assistance and advice in the sale of measured bars. When selling, they are accompanied by documents confirming the origin of the ingots (certificate or passport of the manufacturer).

Prices for the sale of bullions of precious metals are set taking into account the value added tax and vary depending on the quotation of the purchase of the Bank of Russia.

Also, CO No. 4205 of Sberbank of Komsomolsk-on-Amur sells commemorative and commemorative coins made of precious metals. Commemorative and commemorative coins are the currency of the Russian Federation, expensive materials (precious metals) are used in their manufacture, complex check technologies and decoration methods are used, which give the coins specific properties and allow them to circulate both as a means of payment at face value and as objects collecting and investing.

Clients are offered silver coins in denominations of 1 ruble, 2 rubles, 3 rubles, 25 rubles, gold coins in denominations of 10 rubles, 25 rubles, 50 rubles, 100 rubles. The demand for coins by customers - individuals is so great that it is becoming more and more difficult to satisfy it every year.

CO No. 4205 of Sberbank of Komsomolsk-on-Amur accepts payments in favor of enterprises, institutions and organizations, payments to the budget and off-budget funds, voluntary contributions of citizens:

• - payments for an apartment, utilities (electricity, gas, telephone, etc.);
• - taxes and payments credited to the budget and off-budget funds (technical inspection Vehicle, registration at the place of residence, target fee for a foreign passport, an order for an apartment, etc.);
• - insurance payments and state insurance payments;
• - payments of voluntary societies;
• - Receipts of voluntary contributions from the population and organizations.

Payments are accepted by the bank regardless of the place of residence of the payer and the location of the account of the organization receiving the payment.

These operations are carried out by accepting cash and in the manner of non-cash settlements on instructions from depositors to transfer amounts from deposit accounts.

Table 11 provides information on the amount of transactions on settlement and cash services for individuals of CO No. 4205 of Sberbank of Komsomolsk-on-Amur.

Table 11- Information on the amount of transactions on settlement and cash services for individuals CO No. 4205 of Sberbank of Komsomolsk-on-Amur thousand rubles for 2002-2004.

CO No. 4205 of Sberbank of Komsomolsk-on-Amur provides the bank's clients - individuals and legal entities with the provision of individual safes for rent:

• - for storing valuables and documents;
• - for carrying out settlements on real estate purchase and sale transactions;
• - to notaries for the storage of hereditary property in connection with the performance of notarial acts in inheritance cases.

An individual safe is provided to the client for rent on the basis of a lease agreement concluded with the bank for a period specified by the parties. By agreement of the parties, the lease period may be extended.

One of major areas in work commercial bank to improve the service of individuals is the development of non-cash settlements of citizens with trade, public utilities and other enterprises. Currently, banks perform a wide range of settlement and cash transactions: accept payments from the population in favor of enterprises, institutions, organizations, as well as in the income of the state and local budgets; issue checks to pay for goods and services; produced on behalf of investors non-cash payments on payments; perform other operations.

In recent years, the range of goods and services for which the population can pay by bank transfer has expanded significantly. Checks are one of the forms of non-cash payments.

Settlement check of Sberbank of Russia - nominal money document, certifying the right to receive the amount in the currency of the Russian Federation at the expense of funds placed by the client in Sberbank of Russia. Validity of the check is 4 months.

A settlement check is issued in the name of an individual when he deposits cash on the settlement check or debits the amount from the deposit account and can be used by the client to receive cash or credit the amount of the settlement check to the deposit account.

At the request of the client, the check can be issued in the name of another person, who in this case becomes the owner of the check.

When issuing a settlement check, a service fee of 0.5% of the amount is charged. When paying by check, the fee for services is 0.5% of the amount.

CO No. 4205 of Sberbank of Komsomolsk-on-Amur sells traveler's checks issued by the following companies: American Express, Thomas Cook-MasterCard, Visa Interpayment.

Traveller's checks in US dollars and euros can be purchased at the Central Office No. 4205 of Sberbank in Komsomolsk-on-Amur:

• - per cash currency;
• - for cash rubles;
• - by writing off funds from foreign currency or ruble deposits.

Types of traveler's checks, the payment of which is made at the operating cash desks and exchange offices Sberbank of Komsomolsk-on-Amur: American Express, Thomas Cook-MasterCard, Visa, Citicorp.

Traveler's checks are very easy to use. When purchasing cheques, the client puts his signature on each purchased cheque. When presenting for payment, the owner must re-sign the checks in the presence of the person accepting traveller's checks. The payment of the check is made with the identity of the signatures. Such a system insures the owner against the risk of losing the check.

For the sale of a traveler's check, the bank charges a commission of 0.5% (min 1 USD). Traveler's checks are accepted for payment all over the world in shops, restaurants, hotels, and services. Exchange of travelers checks in banks and other financial institutions on payment to the host state is more profitable than the exchange of cash US dollars. Traveler's checks are perpetual. If necessary, a check can be exchanged for cash or rubles at Sberbank of Russia or other financial institutions.

CO No. 4205 of Sberbank of Komsomolsk-on-Amur transfers deposits (in whole or in part) and cash (both for crediting to deposits and for cash payments) to any institution of Sberbank of Russia, as well as to any bank in Russia and beyond border. Sberbank of Russia offers the minimum transfer terms:

• - currency transfer - 3 days;
• - ruble transfer within Russia - 3 days;
• - ruble transfer in the system of Sberbank of Russia - 3 days;
• - urgent transfer of cash in the system (territorial banks and branches) of Sberbank of Russia - 24 hours.

To transfer a deposit or cash to a client - an individual, it is not necessary to have a deposit account with the institution of Sberbank of Russia to which the funds are transferred. The Client has the right to transfer a deposit (in whole or in part) or cash both in his own name and in the name of any other person.

Appendix B shows the tariffs for money transfer services established in the Central Office No. 4205 of Sberbank of Komsomolsk-on-Amur.

The mechanism of functioning of the system of electronic money settlements of individual clients is based on the application plastic cards points and includes transactions carried out using ATMs, electronic systems population calculations in trade organizations, private banking systems at home and in the workplace, as a way to bring various services to the consumer.

The assistance service of Sberbank of Russia provides cardholders with the following services around the clock by phone:

• - blocking of cards by telephone message of the client;
• - consultation of the client on the procedure in case of loss or theft of the card;
• - recommendations on the client's actions in case of disputable transactions;
• - providing information on the spending limit for authorization, account balance, expenditure transactions and account replenishment operations, reasons for refusal to service the card, service points.

In addition to the offered traditional plastic cards international standard, The Savings Bank of Russia makes non-cash payments in the settlement system using bank cards of AS Sberkart. This is a microprocessor card that works within the framework of the Sberbank of the Russian Federation system.

Card AS "Sberkart" - a bank card with a built-in microprocessor and printed with the logo of the Savings Bank of Russia or the trademark "Sberkart". The AS Sbercard microprocessor card is issued by Sberbank institutions to residents of the Russian Federation - legal entities and individuals for a period of 12 or 24 months exclusively in rubles. Further, if desired, the period is extended. With each operation, the amount is debited directly from the card, and not from the card account, that is, the microprocessor carries variable information about the amount of money. There are two types of cards for individual clients: payroll and personal.

The salary card of AS Sbercard is issued as part of the implementation of joint “salary projects” with enterprises in Russia. It is designed to receive wages, fees, scholarships and other income, as well as to pay for goods, work, services and receive cash in the subdivisions of Sberbank of Russia that carry out transactions with cards. Annual maintenance payroll bank card account is free of charge. Daily accrual of interest on the balance of funds on the card account is made at the rate of 2% per annum.

A personal card of AS Sberkart is issued to a client - an individual for their own purposes. The first year of servicing such a card costs 250 rubles, each subsequent year 125 rubles. Interest is accrued on the balance of funds on a quarterly basis, at the rate of 2% per annum.

The issuance of cash in rubles, on both cards, within the territorial bank that issued the card, is free of charge, in other branches - a fee of 1% of the amount of cash received is charged. An initial fee to open a bank card account and a non-withdrawable account balance is not provided.

Table 12 provides information on attracting funds from individuals to accounts bank cards AS "Sberkart" in CO No. 4205 of Sberbank of Komsomolsk-on-Amur.

Table 12 - Information on raising funds to bank card accounts of AS "Sberkart" in CO No. 4205 of Sberbank of Komsomolsk-on-Amur.

Analyzing table 12, we can conclude that the popularity of AS Sberkart in Komsomolsk-on-Amur is growing, because the amount of attracted funds increased from 321 thousand rubles in 2002 to up to 40076 thousand rubles in 2004 and amounted to 39755 thousand rubles.

Thus, the advantages of AS Sberkart microprocessor cards are:

• - wide service network;
• - cost-effectiveness - all settlement operations in trade and service enterprises are carried out without commission;
• - speed of execution of transactions and the minimum amount of documents to be filled out - the card is issued on the day the account is opened;
• - security - a high level of card protection excludes unauthorized access to the account;
• - speed and ease of maintenance;
• - functionality - the presence of two accounts on the card: one - completely protected by passwords, and the other - without passwords, allows you to make small purchases without entering a PIN code.

Settlement and cash services for clients of a commercial bank (RKO)

Settlement and cash services- a traditional and standardized type of banking services. Cash settlements are an integral part of the activities of any bank. The relationship of banks with customers regarding settlement transactions is based on contractual basis, therefore, when opening a current (settlement) account, the bank concludes a current bank account agreement with the client (a contract for settlement and cash services).

Settlement and cash services for clients include opening and maintaining bank accounts for clients, including:

• - crediting funds received in the name of the account holder;
• - transfer of funds from the account to other persons and banks;
• - receiving and issuing cash;
• - other actions provided for by law and carried out on the relevant bank accounts.

The client pays the bank remuneration for the operations of settlement and cash services provided to him in accordance with the tariffs approved by the bank. The fee for each operation is set separately.

In settlement and cash services, banks act as financial intermediaries between economic agents.

Settlement and cash operations make it possible to concentrate significant and relatively cheap resources in banks, to establish business relations with clients, which, as a rule, develop into various forms of cooperation: lending, leasing, etc.; in addition, when carrying out settlement and cash transactions, banks charge commissions. Therefore, any bank is interested in attracting new customers for settlement and cash services. At the same time, the client is also interested in choosing a bank that best meets his requirements: having reasonable rates, making payments on time, working with modern technologies.

The main principles of the organization of settlement and cash services for customers are:

• - opening of customer accounts in accordance with the procedure established by the legislation of Belarus;
• - maintenance of customer accounts in accordance with the procedure established by the legislation of Belarus;
• - Strict documentation and reflection in the accounting of each transaction;
• - ensuring the safety of funds and other valuables belonging to the client and located in the bank;
• - ensuring bank secrecy on transactions and customer accounts;
• - implementation internal control corresponding to the nature and scale of the operations.

When making settlements using electronic settlement documents, a signature verification public key card is presented, certified by the signature (signatures) and seal of the owner (owners) of the signature private key.

Entries in personal accounts are made by the responsible executor only on the basis of properly executed settlement and cash documents(paper or electronic).

Information on transactions carried out during the day is issued on paper media in the form of statements and is subject to issuance to the client. The procedure and frequency of issuing account statements and attachments to them for clients are negotiated between the bank and the client in the current (settlement) bank account agreement. Account statements intended for issuance to customers are certified by bank stamps.

For most banks, the demand for settlement and cash services from legal entities and individual entrepreneurs is practically guaranteed. But, given that RKO is included in the standard set of banking services, competition in this segment is becoming more and more serious. However, since the parameters of cash settlement services are predetermined by the clearing system and current legislation, the quality of the services provided becomes an increasingly fundamental factor influencing the interest in the cash settlement services products of a particular bank on the part of customers.

RKO today, as well as 10 years ago, in terms of functionality is approximately the same in all banks. Therefore, it is rather difficult to stand out from the crowd, to go beyond variations in the cost of services and individual parameters (for example, the deadline for execution and crediting of payments).

And yet there is room for movement. After all, despite the fact that customers are "divided" between banks, flexible cash settlement is one of the competitive advantages, enabling the bank to provide the client with a more beautiful "wrapper" for their products.

Calculations by payment orders are shown in fig. one.

• 1) shipment, forwarding of shipping documents;
• 2) payment order;
• 3) transfer of funds;
• 2) crediting funds to the beneficiary's account.

Figure 1 - Workflow scheme for settlements using payment orders

The main trend in banking corporate clients- This is an emphasis on the most complete partnerships.

Changes in CSC - the usual methods of service are transformed into high-tech electronic forms, allowing the client to manage his account from anywhere. Now the qualitative development of cash settlement services is associated with the expansion of the use of high technologies, complex forms of payment, as well as with the development of non-price methods of competition. The introduction of new technologies and modern banking equipment allows optimizing, simplifying and speeding up the procedure for both settlement and cash transactions.

The workflow scheme for payment requests-orders is shown in Figure 2.

1 - shipment of products (provision of services, performance of work); forwarding payment requests-orders to the buyer; 2 - presentation of accepted payment requests-orders to the servicing bank for payment; 3 - payment of a payment request-order (debiting funds from the payer's account); 4 - transfer of payment to the supplier's bank; 5 - crediting funds to the supplier's account; 6 - notification of the supplier about the receipt of funds.

Figure 2 - Scheme of workflow for settlements by payment requests-orders

When choosing a bank, the client pays attention not only to the cost of services, service, but also to the image of the bank. An important factor is the speed of paperwork, settlements and the reliability of the bank.

Thus, settlement and cash services generally become inseparable from lending. And customers especially do not protest. If an enterprise intends to get loans often and it has relations with the credit department of a certain bank, then a current account is opened in the same place - due to this, all issues on loans are resolved much more quickly.

If we rank the factors that are most important for clients by CSC, then the speed of service can be put in the first place. In second place is the bank's ability to provide non-standard additional services. Further, the proximity of the bank, which, however, does not matter for large corporate clients.

The workflow scheme for settlements with payment requests is shown in fig. 2.3

• 2 8 5
• 1 - shipment of products (provision of services, performance of work); 2 - submission of settlement documents for collection; 3 - verification and forwarding of settlement documents (payment claims) to the buyer's bank; 4 - payment of payment requests by debiting funds from a current account or issuing a loan; 5 - a message to the payer about the debiting of funds from his current account (issuance of a loan); 6 - transfer of payment to the supplier; 7 - crediting funds to the supplier's account; 8 - notification of the supplier about the receipt of funds.

Figure 3 - Scheme of workflow for settlements with payment requests

According to experts, a very important parameter is the bank's reputation as a provider of quality and convenient services. The second major advantage is the presence of an extensive branch network. This makes it possible to attract both large clients with a wide branch network, as well as small and medium-sized enterprises, for which it is very important that the bank where they are served, or its branch and ATM, are in close proximity. It is always easier for a bank with a wide regional network to find a common language with a company that has many branches. Although in the understanding of some bankers with modern level calculations, the branch network is becoming less and less significant factor.

Among other important factors in choosing a bank for cash settlement services, experts point out: flexible tariff plans, a wide product line, comfort and cosiness in offices, an individual approach to each client, standardization of cash registers for clients throughout the network, recommendations from partners, non-standard methods of working with a client, professionalism of managers, friendliness of staff, saving the client's time.

Calculations by checks are shown in fig. four

1 - application and payment order; 2 - check; 3 - goods / check; 4 - presentation of a check for collection; 5 - forwarding registers and checks; 6 - money transfer; 7 - crediting funds to the recipient's account.

Figure 4 - Workflow scheme when using check form calculations

Bank plastic cards are becoming increasingly popular. A bank plastic card is a personalized means of making payments for goods and services, performing deposit transactions, receiving cash, providing cashless payments between individuals and legal entities(business entities).

There are many features by which cards can be classified.

• 1) By type of payments: credit cards; debit cards.
• 2) According to the information carrier, plastic cards are divided into cards with a magnetic strip (magnetic) and cards with a chip (smart cards).
• 3) By the nature of use, they distinguish: individual cards; family cards; corporate cards.
• 4) According to the method of recording information on the card: graphic recording; bar coding; magnetic stripe encoding; chip; laser recording.
• 5) By territorial affiliation: international, operating in most countries; national, operating within the state; local, used in part of the territory of the state; cards valid in one specific institution.

Bank debit cards (bank debit cards) operate on the principle of "buy today - pay today" ("buy now - pay now"). The client's account must contain an amount sufficient to make a purchase (pay for services, receive cash). The amounts of transactions made by the client using the card are debited directly from the client's card account. If the transaction amount exceeds the account balance, the transaction is not performed. Today, the so-called combined cards are also being developed. These are debit cards, which in some cases allow payment for goods and services, the cost of which is higher than the balance on the card account, at the expense of short term loan(overdraft) provided by the bank to the owner of the card account.

Bank credit cards (bank credit cards) operate on the principle of "buy today - pay later" ("buy now - pay later"). A credit card assumes a zero initial balance on the client's card account. At the same time, the cardholder can use it to receive goods in a trade and service enterprise (PTS) or cash. In this case, all operations with the card are paid by the bank, and the cardholder is obliged to subsequently repay his debt to the bank. Cards debt obligation(“charge cards”) are the so-called payment cards. The loan on these cards must be repaid by the end of the collection period, usually within one month.

The guarantor of the fulfillment of payment obligations arising in the process of servicing plastic cards is the issuing bank that issued them. Therefore, the cards remain the property of the bank throughout the entire validity period, and customers (cardholders) receive them only for use.

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