What do you need to open a special account? Special account. Bank support for state defense contracts

From October 1, 2018 To secure applications, suppliers, by decision of the Government of the Russian Federation, must use special accounts. That is, for procedures announced after October 1, 2018, it is necessary. These amendments are enshrined in regulatory documents:

1. The very requirement for the need to secure applications through special accounts is set out in Article 44 of Federal Law No. 44-FZ.
2. The list of banks where you can open a special account was approved by Decree of the Government of the Russian Federation dated July 13, 2018 No. 1451-r. It included 18 banks.
3. The procedure for opening and maintaining a special account by a bank is established by Decree of the Government of the Russian Federation dated May 30, 2018 No. 626.
4. Resolution of the Government of the Russian Federation dated May 10, 2018 No. 564 establishes the procedure for writing off fees from the winner of the procurement procedure, including through the use of a special account.

However, procurement participants are concerned about a huge number of questions that they ask us during seminars or through the support service of EETP JSC, so in this article we have collected answers to the most common ones.

Why do you need a special account?

A special account simplifies the interaction of suppliers with banks and electronic platforms (EP). Suppliers no longer need to store money on several electronic platforms; it is enough to open one special account.

For which purchases is a special invoice required?

For electronic procedures under 44-FZ:

• Open competition in electronic form
• Competition with limited participation in electronic form
• Two-stage competition in electronic form
• Electronic auction

From October 1, 2018, purchases for small and medium-sized businesses under 223-FZ are carried out on the same electronic platforms as purchases under 44-FZ.

• Competitions in electronic form
• Auctions in electronic form
• Requests for proposals in electronic form
• Requests for quotations in electronic form

From October 1, 2018, 9 electronic platforms should start functioning, selected by the Government of the Russian Federation, which have already entered into agreements with banks on the use of special accounts:

• electronic platforms that have been selected under 44-FZ
• special site for the needs of the state defense order (AST GOZ)

Full list of sites:

• JSC "EETP"
• AGZRT
• Sberbank-AST
• RTS-Tender
• National electronic platform
• Russian auction house
• ETP GPB
• TEK-Torg
• AST GOZ

Do I need to pay for opening and maintaining a special account?

Banks can independently set fees for opening and maintaining a special account. provided for in VTB.

Who doesn't need a special account?

• Participants in “paper” procurement procedures
• Participants who do not plan to work under 44-FZ
• Participants who plan to participate in electronic requests for quotation and requests for proposals

How to open a special account?

A special account for purchases is opened as a regular current account in one of the banks approved by the Government of the Russian Federation. You can apply.

Full list of banks:

• "VTB Bank"
• "Sberbank of Russia"
• "Gazprombank"
• "Russian Agricultural Bank"
• "Alfa Bank"
• "Credit Bank of Moscow"
• Otkritie Financial Corporation
• "Raiffeisenbank"
• "Rosbank"
• "All-Russian Regional Development Bank"
• "Promsvyazbank"
• "Joint Stock Bank "Russia""
• "Bank "Saint-Petersburg"
• "Sovcombank"
• "Russian National Commercial Bank"
• "OTP Bank"
• "UniCredit Bank"
• Bank "Vozrozhdenie" (PJSC)
• JSC "SMP Bank"
• PJSC "AK BARS"
• Tinkoff Bank

How is a special account opened from October 1, 2018 to January 1, 2019?

Supplier Actions

The supplier must be accredited on the electronic platform (EP), if it has not been accredited previously. Without accreditation, you cannot open a special account.
After this, you can contact a bank from the list of the Russian Government.
Reminder: The account must be replenished in advance - before the end of accepting applications.

Bank actions

1. When opening a special account in “your” bank (where you are served), the bank may offer to either conclude an additional agreement to the current account or open a special account again.
2. The bank will check whether you are accredited for the electronic signature, then open a special account and notify the electronic signature about this.
3. The procedure for opening a special account is no different from opening a regular current account.

The bank is obliged:

• Block funds for each procedure
• Unlock funds in a timely manner after completion of the procedure

Actions of the electronic signature

1. Within 1 hour after the end of accepting applications, the ES sends a notification to the bank in which the participant’s special account is maintained, with a request to block funds.
2. Informs the bank in a timely manner about the need to unblock funds.

How is a special account opened after January 1, 2019?

Supplier Actions

Please note that after December 31, 2018, suppliers who have not registered in the Unified Information System will not be able to open a special account. Be sure to register in the system.

After registration in the Unified Information System, the supplier will be accredited on all selected electronic platforms within 1 business day.

Bank actions

The bank will check whether you are registered in the Unified Information System, then open a special account and notify the electronic signature about this.

Can I use a company current account if it is opened in one of the 18 selected banks?

Yes, but you need to enter into an additional agreement with the bank to your existing current account in order for it to receive special status. Some banks recommend opening a separate account so as not to mix regular financial transactions with transactions on a special account. These questions need to be clarified separately in each bank.

Can I use 1 special account for all sites?

Yes, you can. It is much more convenient to open and control 1 special account for all ETPs.

Will funds be debited from the special account?

The winning participant in the procedure will be charged a commission of 1% of the initial maximum contract price (IMCP), but no more than:

• 2000 rubles if the purchase is subject to restrictions for small businesses and SONCOs (socially oriented non-profit organizations)
• 5000 rubles excluding VAT for participants of all other types of purchases

If the participant did not open a special account (or the account was blocked for some reason), the procedure took place without securing an application, and there were no funds in the account, then the electronic platform on which the auction was held will send a request for payment of funds personally to the participant.

Also, collateral funds from a special account can be written off in favor of the customer if the winner (in the procedure) was found to have evaded signing the contract, as is now happening within the framework of electronic auctions.

What happens to the funds in the special account?

While applications for participation in procurement are being accepted, participants can transfer funds to a special account. Before the end of the reception, you need to transfer the full amount; these funds will be blocked within 1 hour after the end of accepting all applications, and they will be available again upon completion of the electronic procedure.

Summary:

• Do not delay opening a special account, otherwise you will not be able to participate in purchases
• Choose a bank from the list of the Russian Government.
• If you transfer funds from a company current account to a special account opened in another bank, remember that it may take several days for the funds to be credited (each bank has different conditions, if you are in a hurry, it is better to check with them for information).
• It will help you understand the innovations free webinar: "Procurement market: What will change for suppliers from October 1?"

Legal entities and individual entrepreneurs can open a special account with Sberbank on the day of application.

A minimum set of documents is provided to the bank office. To ensure the fulfillment of the terms of the concluded contract, the bank offers to issue an appropriate bank guarantee without collateral or guarantee.

Why create a special account?

Are you planning to take part in government procurement? Electronic procedures require a special account.

To participate in a competition or auction held on the corresponding ETP (electronic trading platform), you must have a certain amount in a special account Money.

Sberbank is a reliable partner that offers high quality service and promptly provides banking services to its clients. It is included in the list of credit institutions authorized to open special accounts within the framework of Federal Law-44 and Federal Law-223. The bank cooperates with all accredited ETPs.

Individual entrepreneurs and companies can open one special account for government procurement with Sberbank or apply to open several such accounts.

Do you already have a current account with this bank?

Formally, you can change its status by submitting a corresponding application to the bank office, but experts strongly recommend opening a separate account.

Conditions for opening a special account in Sberbank for participation in auctions

Applications are accepted from companies and individual entrepreneurs wishing to participate in procurement.

Registration of the corresponding account and its further servicing are free of charge. The cost of other transactions is determined by standard bank tariffs.

For example, at the request of a specific ETP, the bank must block a certain amount of money to ensure participation in the auction.

This service is paid. Each site application is accompanied by a commission of 50 rubles. You can get acquainted with other tariffs of Sberbank for a special account on the official website, through the call center or by contacting a branch.

Clients have access to SMS notifications about all ongoing transactions. The service is connected to the phone number specified in the application form and is not accompanied by the debiting of any commission.

The account is opened in Russian rubles. The balance is charged 0.01% per annum.

Representatives of small businesses can order the following types of bank guarantees to ensure compliance with the terms of a government contract:

• "Business Guarantee";
• "Business Contract".

In the first case, clients have access to an amount from 50 thousand to 15 million rubles. The contract is concluded for a period of up to three years. The commission starts from 2.66% and is determined personally. No insurance or collateral is required.

In the second case, the amount of financing ranges from 50 thousand to 200 million rubles. For certain regions, it is possible to approve a guarantee in the amount of up to 600 million rubles inclusive.

The terms of the service depend on the client’s solvency and the specifics of the contract being concluded. The rate starts from 11% per annum. The contract can be concluded for a period from one month to three years.

How to open a special account in Sberbank?

The procedure for registering a special account to participate in the auction is the following sequence of actions:

1. receive accreditation at the ETP or the EIS;
2. visit your nearest bank branch;
3. hand over the package of documents to the specialist and conclude the corresponding agreement;
4. transfer money to your account and submit an application to participate in the competition/auction.

You do not need to inform the ETP operator about the opening of the corresponding special account. The information will be transferred to the sites along with the bank account details by bank employees.

There is no need to confirm accreditation in the Unified Information System or on the ETP. Sberbank specialists will independently verify this information.

After concluding an agreement and gaining access to a special account, the client can take part in government procurement at any of the accredited sites.

Documents for registering a special account for trading in Sberbank

The minimum package of documentation is provided by individual entrepreneurs.

They need to prepare their passport, extract from the Unified State Register of Individual Entrepreneurs, TIN certificate, SNILS, available patents and/or licenses that allow them to engage in certain activities.

Companies provide the bank office with:

• Charter or constituent agreement;
• documents confirming the powers of the chief accountant and manager (for example, an order for selection for a position);
• extract from the Unified State Register of Legal Entities;
• passports officials;
• patents, licenses (if available).

Specify full list You can do this through a call center or by visiting a local bank branch in person. Specialists have the right to request additional documentation, for example, a notarized power of attorney, if the application is submitted by the client’s legal representative.

Advantages of contacting Sberbank

Entrepreneurs and companies can open any number of special accounts with Sberbank. This service is provided free of charge. There is also no need to pay for their service.

The main advantages of contacting Sberbank include:

• accrual of interest on the balance balance;
• the ability to connect any services and options to the account;
• provision of the minimum number of documents for signing the contract;
• possibility of issuing a bank guarantee for optimal conditions;
• prompt consideration of the application;
• opening a corresponding account on the day of contacting a bank branch;
• favorable rates;
• individual approach to applicants;
• no restrictions on the amount of replenishment of the balance;
• the opportunity to participate in auctions on any accredited platform.

It is worth noting that clients will not be able to order a corporate card and link it to a special account. At the same time, it is possible to withdraw money from the balance within the balance, however, until the bank blocks a certain amount at the request of the ETP operator.

Are you going to open a current account?

YesNo

More about the current account

• Opening an account is free in 10 minutes;
• Maintenance – from 0 rubles/month;
• Free payment cards – up to 20 pcs./month.
• Up to 7% on account balance;
• Overdraft possible;
• Internet banking – free;
• Mobile banking is free.

RKO in Raiffeisenbank.

Open an account

More about the current account

• Opening an account is free in 5 minutes;
• Maintenance – from 490 rubles/month;
• Minimum commissions.
• Registration of salary cards is free;
• Overdraft possible;
• Internet banking – free;
• Mobile banking is free.

More about the current account

• Free opening of account in 10 minutes;
• The first 2 months are free of charge;
• After 2 months from 490 RUR/month;
• Up to 8% on account balance;
• Free accounting for individual entrepreneurs on Simplified;
• Free Internet banking;
• Free mobile bank.

RKO in Sberbank.

Open an account

More about the current account

• Opening an account - 0 rub.;
• Maintenance – from 0 rubles/month;
• Free “Sberbank Business Online”;
• Lots of extra services.

RKO in VTB.

Open an account

More about the current account

• Opening an account – free of charge in 5 minutes;
• 3 months of service 0 rubles;
• Transfers and cash transactions - 0 rubles;

More about the current account

• 0 rub. opening an account;
• 0 rub. Internet banking and mobile banking for account management;
• 0 rub. issuing a business card for depositing and withdrawing cash at any ATM;
• 0 rub. first deposit of cash into the account;
• 0 rub. tax and budget payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
• 0 rub. account maintenance if there is no turnover.

More about the current account

• Opening an account is free;
• Reservation in 1 minute;
• Internet banking and mobile app for free;
• 3 months of service free of charge;
• after 3 months from 490 rub./month.

RKO in LOKO Bank.

What to do if the special account is not visible in the personal account of the operator of the electronic platform?

Check and update your organization’s Taxpayer Identification Number (TIN) and checkpoint:

• . In Sberbank Business Online, go to the “My organization” section and check the data. To update, use the service “Making changes to a legal file”, after which the bank will send updated data to all electronic platforms.
• . To update the data in your personal account of the electronic platform, use the instructions of your electronic platform.

What package of documents is required to open a special account?

The standard list of documents for opening an account and other information are posted in the “Documents and Tariffs” section.

To open a second or subsequent procurement participant account, you only need an application for accession; re-submission of the package of documents is not required.

How long does it take to open an account?

Opening a special account takes the same amount of time as opening a regular current account.

Where can I open a special account?

An account can only be opened at the office where you are serviced.

Can I open a regular account and then transfer it to a special one?

You can remotely reserve an account on the bank’s website and contact the branch to open a special account on any day starting from September 24, 2018.

Can I transfer my current account to a special one in order to use it for purchases under 44-FZ and 223-FZ?

Since changes are being prepared in 44-FZ and 223-FZ regarding the regime for using special accounts (limited list of transactions), the bank opens new accounts for clients so as not to have to do this twice later.

Do I need to have accreditation on an electronic platform to open a special account?

To open a special account, you must be accredited to any of the electronic platforms that are selected to work under 44-FZ and 223-FZ (see list). When opening a special account, the bank checks that clients have valid accreditation.

When does the bank inform operators of electronic platforms about opening/closing a special account for a procurement participant?

The bank sends information about the opening/closing of a special account of a procurement participant to all authorized operators of electronic platforms on the day of opening/closing of a special account of a procurement participant.

Which operators of electronic platforms does Sberbank interact with within the framework of 44-FZ and 223-FZ?

Sberbank PJSC interacts with all operators of electronic platforms approved by Order of the Government of the Russian Federation dated July 12, 2018 No. 1447-r:

• . Joint Stock Company "Agency for State Order of the Republic of Tatarstan"
• . Joint Stock Company "Unified Electronic Trading Platform"
• . Joint Stock Company "Russian Auction House"
• . Joint Stock Company "TEK-Torg"
• . Joint Stock Company "Electronic Trading Systems"
• . Closed Joint Stock Company "Sberbank-Automated Trading System"
• . Limited Liability Company "RTS-Tender"
• . Limited Liability Company "Electronic trading platform GPB"
• . Limited Liability Company "Automated system of bidding for state defense orders"

What must be provided to confirm accreditation on the electronic platform?

There is no need to provide anything; the bank will check for accreditation automatically when opening an account. You just need to have valid accreditation on any of the electronic platforms.

In order for a legal entity or individual entrepreneur to participate in government auctions, they need to deposit a security amount into a special account. You can also open a special account for government procurement under 44-FZ at Sberbank, which has received permission for this action. But before concluding an agreement and becoming an account owner, you need to understand what it is and why a separate account is needed for transactions related to government orders.

What is a special account for government orders?

In July 2020, legislators amended the regulatory act 44-FZ, which stipulates the need to conclude a contract for purchases carried out for state and municipal needs. To ensure the fulfillment of the order, an open special account must be created where the supplier deposits funds, and after selecting it, the money is blocked until the conditions of the government order are fulfilled.

The characteristics demonstrate that the special account is extremely similar to the standard payment product and differs only in that the money on it can be blocked by the procurement operator. Thus, the special account has the following features:

The remaining funds are still available to the account owner, and he can use them as he pleases. There are no restrictions on amounts not related to government contracts.

Advantages of opening a special account with Sberbank

When opening a special account for a public procurement participant, you must take into account that this can only be done in banks that have been audited and are considered authorized. Sberbank is one of them, but cooperation with it has its own positive nuances, including:

• Sberbank's entry into the list of credit institutions authorized to open and service special accounts;
• high speed of opening a special account, clients can start using it almost immediately after visiting the bank;
• the bank independently notifies the electronic platform about the new account of the procurement participant;
• the client will not need to pay for opening a current account.

If the client is new, then he will need to personally visit a bank branch, choosing from those that can serve corporate clients. With the current status of a Sberbank client, you can use an electronic document management system for a special account. Previously, the bank was not involved in the electronic trading process to such an extent, and its role was limited to payment processing. At the moment, the companies are intermediaries and are involved in blocking funds.

Despite the seriousness of the special account, Sberbank has not complicated the procedure for opening it; the client only needs to bring all the necessary documents requested by the institution and write an application.

Opening conditions

To obtain an account suitable for trading, the conditions for opening an account require that the client must be accredited to the electronic trading platform in advance. That is, he is obliged to register on it and confirm his desire to participate in the auction by entering his own details. One of the mandatory requirements is the presence of an electronic signature of the enterprise; it can be obtained within one day.

Naturally, an individual entrepreneur or legal entity must have all the documents necessary for an account so that they can confirm their status, payment of taxes and participation in auctions. Additionally, there is a condition that in order to open an account, the person who will manage it must contact the person who will manage it; in large companies, this is the chief accountant or a separately appointed person, about which an internal order must be issued.

Package of documents

Opening a special account in Sberbank intended for a government contract appears only if the company provides all the necessary documentation. For legal entities You must bring the constituent documents, for example, the Charter. These can be originals, and if copies are taken, they must be notarized or contact the body that registered the legal entity for this purpose. In some cases, if you have original papers, you can check and confirm them at the bank.

Also legal. persons must submit an extract from the unified register of such entities, which will require an original that is certified electronic signature Federal Tax Service. This task is performed by the bank, and the statement itself must be generated on the day the client contacts the financial institution. To avoid problems in the future, for a special account you will also be asked to provide a card with the signatures of the management team and the official seal. It is certified by a notary or at a bank, but in the latter case, authorized persons must be present who entered their data into the card.

To open a special account, you will need the client’s information in a form approved by the bank, as well as orders and other internal instructions that reflect the appointment of persons from the card with signatures. This document must also indicate the authority to dispose of money or the lack thereof. In addition to the above, the list of documents intended for opening a special account can be supplemented with the following documents:

• confirming the existence of powers of the executive body of the legal entity. faces;
• identity cards of people authorized to manage the account;
• licenses for the right to conduct activities, if such activities require such permits;
• licensing documents for working with state secrets, if any.

Individual entrepreneurs will be required to have almost the same list of papers, but there are some differences. Be sure to take your original identification card with you to the bank, as well as a document that confirms the assignment of a TIN. If for legal individuals need an extract from their register, then for individual entrepreneurs you will need the same document, but from the unified register of individual entrepreneurs. If possible, these documents should be provided in the original, and the extract should also be confirmed by the Federal Tax Service.

Important! With regard to documents authorized to dispose of the account and their signatures, these requirements remain in force. If an entrepreneur works in an area that is subject to licensing, or deals with state secrets, then such papers, like legal ones. persons, he should also be provided. If the account is opened in an electronic system, then individuals must provide SNILS in the form of an original or a copy; in this case, there are no unique requirements for the form of the document.

Opening procedure

Before opening a special account for government procurement under 44-FZ with Sberbank, the client needs to be accredited on the electronic trading platform. This must be done separately in the case of each, and Sberbank also has a similar system. The company also needs to provide all basic documents in scanned form, for example, constituent papers, an extract from the Unified State Register of Legal Entities, as well as confirmation of the authority of the person undergoing registration.

The procedure for opening a special account at a bank lasts five working days. At this time, site operators will review the submitted application and notify the client of the decision. If it is positive, then permission to participate in tenders will be valid for three years. After this, all that remains is to fill out the application, the form of which is on the Sberbank website, and bring it with all other documents to the bank branch. You should definitely choose an office that works with corporate clients; regular branches do not have this opportunity.

When Sberbank receives the papers and completes the procedure, it will independently notify the trading platform where the company is registered about the opening of an account.

Opening date

Since the special account is a standard current account, the period for opening it does not differ from it. Sberbank promises that the client will be able to use his account on the day of application, that is, until the end of the day, maximum - it will be created on the next banking day. Electronic platforms are notified on the same day the account was opened; upon closing, similar information is also sent in compliance with deadlines.

Rates

Like any other banking product, special Sberbank accounts are also serviced, and for some transactions you will need to pay additionally. But since they are not included in service packages, the tariffs differ from standard accounts. All basic operations, such as maintaining an account with RBS (generating electronic documentation, depositing funds, transfers and paying taxes) and opening an account, are carried out free of charge. Even if there are no transactions on it for five months, the cost of services for the client will not increase in any way.

The bank will require 50 rubles for each processing of a request related to blocking funds received from the electronic platform. But the unlocking will be free, and in this case nothing will be withheld from the client. If an account is opened by a budget organization, then such a commission will not be charged from them. And the balance of funds that is saved in the account will be charged 0.01% per annum, this applies even to money that is in a state of blocking.

A special account with Sberbank is opened by suppliers who want to participate in government tenders. Money will be stored on it, which will become security for transactions and will be blocked when submitting an application for a tender. If the organization or entrepreneur does not want or cannot participate in the order after selection, then the funds will be transferred to the customer in case of a penalty.

On 03/05/2020, government order No. 509-r dated 03/04/2020 was published on the legal information portal on supplementing the bank lists in which participants open special accounts. From 03/04/2020, the Joint Stock Company "Bank DOM.RF" was added to this list. But he will be able to open a special account there only when he enters into agreements with electronic platforms.

In 2019, the Joint Stock Commercial Bank NOVIKOMBANK was added to this list, and at the beginning of 2020, the list was supplemented with the limited liability company Home Credit and Finance Bank and the Joint Stock Company Russian Bank for the Support of Small and Medium Enterprises. Information has been published on the website of the Sberbank-AST electronic platform that these banks are not yet integrated.

We figured out how banks work and compiled step-by-step instructions that will tell you how to open a special account under Federal Law 44 in Sberbank, VTB and other banks from the Ministry of Finance list. Read the article or watch the video instructions to find out how to work with special accounts for government orders.

Regarding individuals

Vitaly Bayrashev, Institute of Public Procurement

Despite the assurances of the Ministry of Finance, the largest banks on the list (Order of the Government of the Russian Federation dated July 13, 2019 No. 1451-r) still refuse to open special accounts for individuals. Probably, banks were not ready for this format of work and are now hastily adapting regulations and technical means for working with individuals. On the websites of many banks there is simply no procedure for opening special accounts by individuals. Still, more than 99% of suppliers are legal entities and individual entrepreneurs. And individuals participate in procurement sporadically, which is why banks were unable to predict the demand for the special account service on their part.

In Sberbank, for example, they still don’t know about the special account, but they open a “Procurement Participant Account.” In one of the chats they offered the following step-by-step instructions:

Step 1. Come to any Sberbank branch that serves individuals.

Step 2. Approach the operator and tell him that you are opening a “Procurement Participant Account”. If they say they won’t open it or send it to the department for working with legal entities, do not give up and insist on opening a special account.

Step 3. The operator opens an account. And if he doesn’t know how to do it, he calls the internal consultation line for instructions.

Step 1. Understand whether to open

Since July 2020, a special account for participation in auctions under Federal Law 44 has become optional. It is required to provide security for the application. Now trading platforms are able to accept bank guarantees, so a special account is not the only way to secure an order. Whether to open or not is up to the supplier to decide. If you do not want to issue a bank guarantee for each purchase, open a special account. If you plan to use bank guarantees, do not open them.

A special account for securing applications under 44 Federal Laws is not needed if you participate:

• in procurement without security;
• in non-competitive bidding.

Step 2. Check the bank where the current account is already opened

Legislators did not oblige suppliers to use exclusively a separate bank account as a special account for the procurement participant. You can create it based on the calculated one. But for this, it is necessary that the bank with which you are already cooperating is included in the list of the Ministry of Finance (approved by government order No. 1451-r dated July 13, 2018). It has been replenished several times, and now 25 organizations have been approved. Here are all the banks where you can open a special account for trading:

1. Sberbank of Russia.
2. Gazprombank.
3. Russian Agricultural Bank.
4. Alfa Bank.
5. Credit Bank of Moscow.
6. Opening.
7. Raiffeisenbank.
8. Rosbank.
9. All-Russian Regional Development Bank.
10. Promsvyazbank.
11. RUSSIA.
12. Saint Petersburg.
13. Sovcombank.
14. Russian National Commercial Bank.
15. OTP Bank.
16. UniCredit.
17. Revival.
18. Tinkoff.
19. AK BARS.
20. Northern Sea Route.
21. NOVIKOMBANK.
22. Home Credit and Finance Bank.
23. Russian Bank for Support of Small and Medium Enterprises.
24. DOM.RF.

If a bank is not on the list of the Ministry of Finance, you cannot open a special account with it to participate in trading!

If your bank is among those selected, consider yourself lucky. Call the manager, say that you want to use the “accounting agent” as a special one. The bank will draw up an additional agreement. We provide the Gazprombank template as an example. In some cases, you will need to write an application first. At this step, the instructions are complete for you. The following steps will be useful if your bank does not yet provide such a service, or you want to have a separate special account for trading 44 Federal Laws, or several in different banks - the law does not prohibit this.

If your bank is not on the list of the Ministry of Finance, then you will have to open a special account “from scratch” - proceed to the next step of the instructions.

Step 3. Select a bank

At this stage, it is important to evaluate not only the reliability and conditions of each bank, but also the form in which they provide the special account service for government procurement. We have already mentioned that not all banks promptly began working on the new rules to open a special account for trading. For example, you can open a separate special account at Otkritie Bank, but in Rosbank you will have to open a “payment account” for this. Some suggest opening a “special current account” - this is not entirely convenient, since you will have to pay for another “account”. And for special ones, the legislation also provided special conditions.

We called banks and collected information about special accounts under Federal Law 44: how they work, in what form a special account is opened, what is needed, tariffs for servicing a special account for trading. This will help you save a lot of time and make the right choice. Please note that most banks require accreditation at one of the ETPs under 44-FZ. We noted in the table those who focused on this.

The table is current as of 10/01/2019. Information is obtained from bank support specialists and may change over time.

Step 4. Collect documents and write an application for opening

Now you will need to contact the selected bank to write an application to open a special account. To do this, come with a package of documents to any branch that serves legal entities. If a bank account has not been opened, you will need to collect the same package of documents as for opening a bank account. Originals or notarized copies are accepted.

For legal entities:

1. Constituent documents (charter or constituent agreement).
2. If the account is opened by a manager - a protocol of election, if the person in charge - an order of appointment and a power of attorney.
3. Card with samples of signatures and seals.
4. Documents identifying those who have the right to manage the money in the account.
5. Certificate of registration of a legal entity.
6. Certificate of registration of a legal entity.

For individual entrepreneurs:

1. Certificate of registration of individual entrepreneur.
2. Certificate of inclusion in the state register of individual entrepreneurs.
3. Certificate of tax registration.
4. The entrepreneur's passport.
5. If the account is opened by a representative, his passport and power of attorney.

We provide average lists; banks often have additional items. For example, some ask you to fill out a questionnaire or FATCA questionnaire or provide extracts from government agencies. And in order to open a special account with Alfa-Bank, you will need to fill out their form for joining a service agreement. Be sure to check the requirements using the links we provided in the table.

As an example of an application for opening a special account for participation in government procurement 44 Federal Law, which will need to be signed, we attach a template from VTB Bank.

Step 5. Sign a service agreement

The bank will consider the application and, if the decision is in your favor, will prepare an agreement. All you have to do is sign it and use a special account to participate in the auction.

As an example, you can familiarize yourself with the standard agreement that Gazprombank offers to sign. In the article about 10 nuances of working with special accounts, we provided an agreement for a special account for VTB trading.

Video: how to open a special account