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Legislative basis for carrying out rosary operations on Russian Federation Enclosed in the Civil Code of the Russian Federation (part 2, chapter 45 "Banking rakhunok" and 46 "Rozrakhunks"). Zokrem, zgіdno zі st. 861 of the RF DK RF non-compliant rosters are circulated through banks, other credit organizations, in some cases of rosary, as well as not being accepted because of the law and is encumbered with a rosary form.
According to Article 845 of the RF DC, it was passed on, according to the agreement of the bank rakhunku, the bank was asked to accept and to pay the entrants to the rakhunok, to the client (to the master of the rakhunka), the sum, to the order of the rakhunku to the bank. The bank has no right to initiate and control directly vikoristannya pennies Clients that vstanovlyuvati are not transferred by law, but by an agreement of bank rakhunku interchange yogo right to order pennies on the Supreme Court.
With a whole bank, you can vikoristovuvati onyavnі on rakhunka guarantee the right of the client without perespkodzhashkodzapodzhatsya qi kosty.
The agreement of the bank's rakhunku is conscientious, bilateral, and as a rule, it is payable. According to the agreement of the bank rakhunku, the goal is regulated. 45 of the Civil Code of the Russian Federation, other laws, banking instructions and rules.
As a rule, commercial banks independently, according to the law and the established banking rules, develop standard forms of agreements in the bank's rakhunku, for whatever stinks, go to the service-cash register. The client can accept them in full, otherwise, if they don’t want one point from the proprietary minds, it will be considered in accordance with the agreement of the bank account. Approved to the station. 846 of the RF DK RF bank of gobies'yazanii vіdkriti rakhunok kієntu, scho zvernuvshis to the bank, on the shabby minds for rakhunkіv tsogo mind. Іnkshe kliєnt go to court and pull off the bank, as if he saw a rakhunka at the bottom of the screen, set up a whip.
Banking rakhunku agreement from vimog st. 161 of the Civil Code of the Russian Federation, there is no problem with simple letters. For some types of contracts of a bank rakhunku (rorakhunkovyh, current and budgetary), the procedure for issuing a single account between a commercial bank and a client is regulated by the Instructions of the Central Bank of the Russian Federation dated 09.14.2006 No.
The account of the bank rakhunku agreement is determined independently of the amount contributed by the client to the drive. Protect the bank can sign the agreement of the bank rakhunka, by recruiting the decency to the agreement from the client of the obligations to pay the money to the drive. A special bank agreement є those who do not have the right to be reported in the agreement due to the lack of flexibility and flexibility in terms of flexibility ...
For the establishment of a legal entity of a rahunku, according to the legislation of the Russian Federation, the following is submitted to the bank:
3. Licenses (permissions), types of legal persons in accordance with the procedure established by the legislation of the Russian Federation for the right to provide legal action, so that the license is granted, if there is a license agreement (permissiveness), it may be right in the future.
4. Card;
5. Documents that will be approved for more specific items, which are meaningful for the card, for the order of penny cats, should be on the bank account, and since the agreement has been transferred dedicated to the right order for the penny cards, it’s well known pіdtverzhuyut overіlenіh right vikoristovuvati analogue of a powerful hand signature;
6. Documents to approve a new one-specific visitor to the body of a legal entity;
7. Testimony about the placement on the plate at the tilt body.
For vіdkrittya rozrahunkovogo rahunku yuridichnіy osobі, stvorenіy vіdpovіdno to zakonodavstva Rosіyskoї Federatsії for zdіysnennya operatsіy Yogo vіdokremlenim pіdrozdіlom (fіlієyu, predstavnitstvom) to bank podayutsya Ti w document scho i at stvorennі vіdpovіdnih organіzatsіy that SET and takozh Statute about vіdokremleny pіdrozdіl yuridichnoї individuals; documents to approve an update from a child legal entity; a document that confirms the statement on the field of a legal individual at the tax authority after the day of the knowledge of the given birth.
In order to establish a rakhunkovaya rakhunku to an individual entrepreneur of any physical person, in order to engage in private practice in accordance with the procedure established by Ukrainian legislation, the bank is expected to:
1. A document certifying a person of a physical individual;
2. Card;
3. Documents that will be approved for more important items, which are meant for cards, for the order of penny cats, will be transferred to a bank account (as such are more importantly transferred to third persons), and if there are three contracts for which the right to transfer by persons of an analogue of a hard-handed signature, a document that can be used to confirm the identity of a person, since the right to vikoristovuvati is an analogue of a strong-hand signature;
4. Testimonials about the placement on the plate at the tilt body;
5. Testimony about the state restoration as an individual enterprise;
6. Licenses (patents) granted to an individual entrepreneur, for individuals who engage in private practice, under the order established by the legislation of the Russian Federation, for the right to conduct an activity, as well as to prevent
The Notary is a document that pidtverzhu on his increased importance (designation for the settlement), as seen by the bodies of justice of the sub'єktyv of the Russian Federation, according to the legislation of the Russian Federation.
The lawyer will submit a document that will witness the re-establishment of the lawyer at the register of lawyers, as well as a document that will establish the lawyer's office.
To open a budgetary rakhunku, legal entities are expected to:
1. Testimony about the state restoration of a legal entity;
2. Establishment of documents of a legal entity;
3. Card;
4. Documents that can be approved for more specific items, which are meaningful for the card, for the ordering of penny cats, can be used for the bank account, and if the agreement has been transferred to the dedication of the rights to order the penny cards, pіdtverzhuyut overіlenіh right vikoristovuvati analogue of a powerful hand signature;
5. Documents to approve a new one-specific visitor to the body of a legal entity;
6. Testimony about the placement on the plate at the tilt body.
7. A document confirming the right of a legal entity to be serviced by the bank.
Documents submitted by the client are obtained from the legal documents issued by the client, a copy of the card with the help of the letters and the print of the seal, which can be obtained from a specially designed message.
§ 1. Headline regulations about the bank rakhunok
Article 845. Agreement of a bank rakhunku
1. Under the agreement of the bank rakhunku, the bank of gobies will accept that zarakhovuvati intercessors for the rakhunok, report to the client (the owner of the rakhunka), the kostya, vikonuvati ordering the clients about over-spending the sums of those operations
2. The bank can vikoristovuvaty onyavnі on rakhunka koshti, guaranteeing the right of the client without pereshkodnogo distribution of qimi kosty.
3. The bank does not have the right to initiate and directly control the client's households and to establish them that are not transferred by law to the agreement of the bank's rakhunku to interchange the rights of the client to open up a penny to the government's court.
4. The rights to the goods, which will be used for the rakhunka, will be entered into such that there will be an excess of the client in between the sumy sums, for the winyat of the costs, but which I will get a penny and (or) a service bank will be agreed on a regular basis until the bank writing off the items by stretching out a line designated by the contract, ale not more than ten days. When the end of the designated term is pennies, but what the customer has been able to confirm is the ability of the customer to order it, to get involved in such a way as to fit the customer.
5. If a bank rakhunku agreement is arranged with a number of clients (spilny rakhunok), such clients can be deprived of physical individuals from urahuvannya obmezhen, established by the currency legislation of Ukraine. The rights to the cat, which are located on the rakhunka, are vvazhayutsya such as to lay, in the parcels, which start in proportion to the sums of the kosts introduced by the skin from the customers or by the third persons on the skin from the customers, which is not a bank agreement before the agreement If the agreements of the bank rakhunku have been laid by the clients-friends, the rights to koshty, which are located on the sleeping rakhunku, є by the foreign rights of the clients-friends (), as they are not transferred by a friend's house-friends, about the arrangement of the bank.
6. The rules of the whole chapter, which should be in place before the banks, are also fixed until the last credit institutions before the hour of storing and declaring them to the agreement of the bank's rakhunku, as soon as possible (license).
7. Until the agreement of the bank rakhunku on the electronic payment system is issued, the norms of the head of the payment will be fixed, unless the legislation of the Russian Federation on the national payment system has been transferred.
Article 846. Stacking a bank agreement
1. When the bank's rakhunku contract is put in place, the client or the person designated by it will see the rakhunok at the bank on the minds of the parties.
2. Bank of bank statements of the order of the bank's rakhunka with the client, which has returned from the statement of the rakhunok on the bank's denunciated for the witness of rakhunk's type of minds, but in order to admit the rules of the bank before the law
The bank does not have the right to approve of any kind of bankruptcy;
In case of non-primed maintenance of the bank under the agreement of the bank's rakhunku, the client has the right to present them to the client, referred to in clause 4 of article 445 of the Code.
3. Banking rakhunok can be used as a response to an electronic payment method.
Article 847. Devoted to the right to order a groshim, scho є to rakhunka
1. The rights of individuals, since they are aware of the status of the client's order about overinsurance and the issuance of documents from the bank, shall be acknowledged by the client through the submission of documents to the bank, transferred by the law, established by the rules of the bank's agreement prior to the bank agreement.
2. A customer can give a bank order about writing off the cards from the rakhunka to the vimoga of the third individuals, the spring tied to the customers by the customers of their crops in front of the criminals. The bank accepts the order for the written form of the necessary dues indicated in them, which allows, when presented, to identify a person who has the right to be presented.
3. Bank vikonu of ordering about writing off accounts for the lack of cards on the bank rakhunku, including the number of inclusions according to the agreement Visiting the order of the client. In the case of this, the write-off is not є credit to the rahunku.
4. The agreement can be transferred dedicated to the rights of ordering in pennies, which can be found on the rakhunka, by electronic means of payment and by other methods from the registrations of analogs in the handwritten signature (clause 2 of article 160), the codes that have been set up and registered. denounce.
Article 848. Operations with rakhunku, scho їkh vikonu bank
1. Bank of transactions is available for the client of the operation, transferred to the bank in accordance with the law, established in accordance with the new banking rules that have been fixed by the bank's practitioners, who are in front of the bank agreement.
2. By law, there may be transfers of vapors, if the bank of crops is accepted from the bank of the customer to the account of the customer or the written off from the customer.
3. Yaksho іnshe is not established by law, by the agreement of the bank's rakhunku there can be transfers of vip drops, if the bank of gobies is accepted from the bank of the client's account, or from those written off from the client's rakhunka.
Article 849. Lines of operations from rakhunku
The bank of loans for the insurance of pennies, which was needed for the customer, not later than the day after the day, the due date for the bank of a specific payment document, as long as a short term is not transferred by the law, established by the rules of the bank.
Bank of orders for the order of the client is not able to write off from the bank of the client no more than the day after the day is due to the bank of a specific payment document, as these lines have not been transferred by the laws of the bank, according to the bank's agreements.
Article 850. Credit to rahunku
1. In case of vipadkah, if it is stated before the agreement of the bank rakhunku, the bank is able to make payments from rakhunka that are unimportant on the day of the rakhunka, the bank will be involved in such a way as to press the customer for such an amount of money.
2. The rights and obligations of the parties, tied to loans to the bank, are based on the rules on the position of the loan (Chapter 42), unless the agreement of the bank is not transferred to the bank.
Article 851. Payment for the vitrat bank for the operation of the bank
1. In the case of vipadkas, transferred by the agreement of the bank's rakhunku, the client will pay for the services to the bank, so that the operations with the pennies go to the rakhunka.
2. The payment for services to the bank, referred to in clause 1 of the statute, can be contracted by the bank to finish the skin quarter from the client's needs, but to the rakhunka, which is not transferred by the bank's rakhunka agreement.
Article 852. Payments for koristuvannya bank groshim
1. Yaksho іnshe is not transferred by the agreement of the bank rakhunku, for the koristuvannya koshty, but the bank will get the customer for the bank rakhunka, the bank will rally the bank's rakhunku, which is the start of the agreement for the bank rakhunku, sums.
The sum of money will be secured for a row at the line, transferred by the agreement, and if such lines are not transferred by the agreement to the end of the skin quarter.
2. Even though the agreement of the bank rakhunku does not have a percentage range, which is indicated in clause 1 of the statute, it is easy to rally at the bank, which will encourage the bank to unite for deposits until the power supply ().
Article 853. Zalik of the smart vimog to the bank and the client behind the rakhunk
Fares to the bank to the client, tied with credit rakhunku () and payment of services to the bank (), as well as the client to the bank for payment of a fee for a penny () to pay by the bank (), which is not necessary before the bank.
Significant values can be accepted by the bank. The bank of information about the customer's information about holding a call at the order of that at the line, which was transferred by the agreement, and, if the parties said it was not the same, - at the order of that at the line, which is important for the bank's standard practice of providing information
Article 854. Submitting the write-off of items from the rakhunku
1. Writing off the cards from the rakhunku are available by the bank from the order of the client.
2. Without ordering the client to write off the cards, to be found on the rakhunka, to be admitted for the decisions of the court, as well as in the cases established by law or transferred by the agreement between the bank and the client.
Article 855. Charge of writing off items from rakhunku
1. For the manifestation of a rakhunka of cats, a sum of what is sufficient for the satisfaction of all vimogs presented before rakhunku, the writing off of all the cats from the rakhunka is good enough to order the correct order of the calendars that have not been written on
2. If there are not enough items for the rakhunka for the satisfaction of all the indications before the new cancellation of the items, there are the following:
in front of the visitor's documents, I will transfer over-the-handedness of food to the rakhunka for the satisfaction of you about the return of the shkodi, after the life of my health, as well as the possibility of tightening the alimony;
from a friend for visa documents, how to transfer overwhelming or the provision of costs for services for receiving assistance and payments for persons who worked or worked for an employment agreement (contract), as a result of the authorization;
in the third stage for payment documents, I can transfer over-financial support or the provision of costs for financial services for payment of employees with individuals, who work for a labor agreement (contract), submission of tax payments to the Russian Federation and over-costs of the budget for payment of funds as well as to the authority overseeing the payment of insurance premiums on the write-off and overpaid sums of insurance premiums to the budgets of state non-budgetary funds;
at the quarter's office for the documents of the visitor, to transfer the satisfaction of those penniless vimogs;
I’m going to have a card for the other payment documents at the order of the calendar chart.
Writing off the cards from the rakhunka for the vimogs, which should be kept up to one church, kept in the order of the church's calendar documents.
Of Article 856. The statement of the bank for unreliable operations with the rakhunku
In the case of an unprecedented bank transfer to a bank account of a penny bank, a bank was asked for money in a bank, and a failure to pay off a bank account, as well as a failure to report an unsuccessful payment in the case of a bank transfer in the order that in the size, transfers to Article 395 of the Code, directly from the documents referred to in paragraph 1 of Article 852 of the Code.
Article 857. Bankivska tamnytsya
1. The bank is a guarantor of a bank account and a bank deposit, operations from a bank account, and information about a client.
2. In order to establish a bank house, it can be given to the clients themselves or to their representatives, as well as presented to the credit history bureaus at the offices and in the order provided by the law. We will assign to the state authorities and individuals, as well as to those individuals, such individuals may be granted, except in accordance with the order given by law.
3. Once the bank has opened a property, it’s possible to establish a bank’s house, client, the rights of any violation, you have the right to see the bank in the form of out-of-date assets.
Article 858. Razorderzheniya rakhunkov
1. Yaksho іnshe is not transferred by law or by an agreement, enclosed by the ordering of penny cats, which is to be found on the rakhunka, it is not allowed, for some reason, the imposing of the isshtu on the koshti, which is to be found on the rakhunka, or if the operation for the blocking has been canceled, in the way of the law.
2. It is not allowed to pass the cost to the spilny rakhunka for the goiters of one of the masters of such rakhunka in the rakhunka, which has been established by the agreement, or by the law, a part of the rakhunka, which should lie with the owner of the spilny rakhunka.
If the contracts of a social bank rakhunku have been laid down by the clients-friends, if they do not have a friendly contract, the problem for a spy rakhunku should be made according to the rules of the family legislation for their friendships. ...
3. Proceeding to the agreement of the bank's rakhunka is not given for the nobility of the areshtu, imposed on the koshti, but to perebuyut on rakhunka, or skasuvannya zupinennya operations for rakhunka. In a wide range of meanings, go in and out of the order of the rack to expand to the surplus of items on the rack (clause 5 of article 859).
Article 859. Rovvannya agreement bank rakhunku
1. The agreement of the bank's rakhunku will be taken out for the client's application at an hour.
2. Over the course of the day, there are two ways to go to the bank account of the customer - the community, which is not an individual business owner, that operation of the bank can unilaterally formulate an agreement with the bank statement. , as the agreement of the bank account has not been transferred to the bank of a given right. The agreement of the bank's rakhunku to engage in the development of the end of two months per day is directed by the bank to such an increase, as if the client didn’t need to hold out the term for the rakhunok.
For vіdsutnostі protyagom dvoh rokіv abo protyagom іnshogo peredbachenogo contract bankіvskogo rahunku line operatsіy for CIM rahunkom klієnta - yuridichnoї individuals abo іndivіdualnogo pіdpriєmtsya Bank Got right in odnostoronnomu order vіdmovitisya od vikonannya contract bankіvskogo rahunku, popered klієnta about tse in pismovіy formі chi іnshim way peredbachenim contract , when the agreement of the bank transfer was transferred to the bank of a given right. With a wide range of meanings of terms, the same time cannot be less for a number of months. The agreement of the bank's rakhunku will be involved in raising the money after the end of two months every day the bank has sent such an increase.
3. The bank has the right to create agreements with the bank's rakhunku in the cases established by the law, with the obligatory letters about the client's price. The agreement of the bank's rakhunku will be involved in the development of the bank's rakhunku agreement after sixty days a day the bank has sent the bank to the customer about the arrangement of the bank's rakhunku.
Three days the bank has sent the bank to the customer about the opening of the bank agreement until the day, if the agreement is to be entered into, the bank has no right to agree to the operation. bank rakhunku Customers, for the blame of operations, pay for the services of the bank, for the services of the bank, for the services of the bank;
4. On the basis of a bank agreement of a bank rakhunku, you can be approved by the court in such cases:
if the amount of money is worth, it’s about being on the client’s rakhunka, showing up at the bottom for a minimum size, transferring bank rules or by an agreement, if such a sum will not be renewed by stretching out a month for a day to advance the bank process;
for the duration of the operation from the whole rakhunku stretching out to the rock, which was not transferred by the contract.
5. If the client wants to see a lot of money for a rakhunka, for his request to be rewarded for the last rakhunok is not more than seven days after receiving a letter from the client, according to clause 3 of the code of the code.
6. If a customer fails to appear for rejecting an excess of money for the bank, the bank will send the bank for sixty days a day that the bank has sent the bank to the customer about the opening of the bank agreement, because the bank does not want the bank to ask for an excessive line of requests. on a special rakhunok at the Bank of Russia, the procedure for issuing and verifying what, as well as the procedure for securing and reversing the requirements for which the Bank of Russia will establish. At the same time, if the bank agreement is opened in the foreign currency, the bank of crops is interested in the sale of foreign currency, and if the bank agreement is opened expensive metals The sales of high-value metal at the rate set by the CIM bank on the day of the sale of foreign currency and (or) expensive metal, which are too expensive for the currency of the Russian Federation for the value of money from the Bank of Russia.
On behalf of the client, the bank is in the order established by the banking rules, the turnover of the currency of the Russian Federation from the sum, previously re-insured by the bank for a special rakhunok from the Bank of Russia.
7. Opening of the agreement of the bank's rakhunku є by the closing date of the client's rakhunka.
Information about winter:
Chapter 45 supplemented by article 859.1 from 1 worm 2018 r. - Federal law vіd 26 lipnya 2017 p. N 212-FZ
Article 859-1. Features of the bank rakhunku agreement with expensive metals
1. Under the contract of a bank rakhunku in expensive metals, a bank of gobies should accept that zarakhovuvati an entrant to a rakhunok, to declare an expensive metal, as well as vikonuvati to order a reorder for a redeemer that іншу fοr mау аbо аbо аbоut оn thе mind і in order, transferred by the contract, costs in the sum, the equivalent rate of metal.
The procedure for establishing operations from bank rakhunku in expensive metals is regulated by law, as well as by the provisions of prior banking rules.
2. The contract of a banker in expensive metals is guilty of a commitment to the recruitment of expensive metal, as well as the procedure for the distribution of sums of money, so that you can get it out of the box, as long as you can.
3. Even though it is not established by law, by the establishment of the bank rules in accordance with the new rules, or not taking into account the day of the rakhunka, until the agreement of the bank rakhunka in expensive metals, and also until the beginning of the day, the operating rules Transmitted by the Code, the rules are given to paragraph 1 of Article 64 of the Code.
Prior to the announcement of the bank account in expensive metals, the rules to clause 1 of article 840 of the Code on the protection of the reversal of deposits from individuals by way of insurance of deposits of private individuals, so that it’s okay to write to the house, it’s not correct before the law the bank's rakhunku at expensive metals, and the bank is guilty of recognizing the fact that a large citizen has confirmed that it also happens to be successful.
4. Spilny rakhunok, nominal rakhunok, public deposit rakhunok and other types of bank rakhunoks, passed by law, can be rakhunks in expensive metals.
Of Article 860. Stagnation of foreign banks about bank rakhunok until some types of bank rakhunoks
1. The headquarters of a bank rakhunok will be stagnated until some of the bank's rakhunok heads, the nominal rakhunok, the public deposit rakhunok, and the banking rakhunok's seemingly different legal rules. established by іnshe.
2. Prior to the agreement of the outpost rahunku headquarters about the bank's rakhunok it will be stagnant at the part, as it is not regulated by the rules about the outpost of rights under the agreement of the bank's rakhunku (statti 358.9 - 358.14).
Information about winter:
Chapter 45 has been updated to naming "§ 2. Nominal rakhunok" from 1 worm 2018 r. - Federal law vіd 26 lipnya 2017 p. N 212-FZ
§ 2. Nominal rating
Article 860-1. Contract of nominal rakhunku
1. A nominal rakhunok can be given to the owner of a rakhunka for the operation of a penny, the right to be held by the owner of the benefit.
The rights to the koshty, to come up to the nominal rakhunok, including those introduced by the master to the rakhunka, to lay the beneficiary.
Nominal rakhunok can be granted for the operation of a penny, the right to which belongs to certain persons-beneficiaries, behind a vignette of vypadkiv, established by law.
2. According to the basic agreement of the nominal rakhunku, the order of the benefactor or the order of discarding the information given by the owner to the rakhunk about the benefactor and the beneficiary, as well as the submission of his participation in the nominee for the agreement
3. By law, either by an agreement of a nominal benefit for the participation of a beneficiary, the bank may be charged with the obligations of control over the owner of a bankruptcy for the benefit of a beneficiary in the order, transferred by law, or by an agreement.
Article 860-2. Stacking a nominal rakhunku contract
1. The agreement of the nominal rakhunku shall be settled in the letters of the form by folding one document signed by the parties (clause 2 of article 434), with the obligatory set of dates.
2. The agreement of the nominal rakhunku can be placed for the participation or without the participation of the benefactor. The agreement of the nominal rakhunku for the participation of the beneficiary shall be signed by the beneficiary as well.
3. Failure to form a nominal rakhunku agreement is more difficult for itself. Such a contract is not good.
4. Whenever a nominal bankruptcy treats most of the beneficiaries, the bank will be able to provide a skin beneficiary, with the blame of vypadkiv, if it is clear before the law on the agreement of the nominated beneficiaries
Article 860-3. Operations by nominal rank
A law or a contract of a nominal rakhunka can be surrounded by a number of operations, which can be used for the order of the master of rakhunka, in which case there is a number of operations:
1) special, which can be pererahovuvatisya chi vidavatisya koshti;
2) those who are responsible for the operation of the rakhunka;
3) documents, which are the basis of operations;
4) other reasons.
Article 860-4. Giving up houses, how to establish a bank house, beneficiary for the contract of nominal rakhunka
1. Beneficiary under the agreement of the nominal rakhunku has the right to see the bank on the basis of services, to become the bank's house, where the right is given to the beneficiary by the agreement.
2. Beneficiary under the agreement of the nominal rakhunku for the participation of the beneficiary may be entitled to see the bank on the basis of services to establish a bank account.
Article 860-5. Aresht for writing off the cards
1. Loss of operations for a nominal rakhunka, aresht or write-off of items, which are spent on a nominal rakhunka, for goiters, for a rakhunka's hair, for a blame, goiters'yazan, transferred by the Code, is not allowed.
2. Aresht for writing off the items from the nominal rakhunka for the goiters by the beneficiaries shall be admitted for the purposes of the court. Writing off the items from the nominal rakhunku is also allowed for the vipads transferred by the law to the nominal rakhunka contract.
Article 860-6. Change and approval of the contract of the nominal rakhunku, replacement of the owner of the nominal rakhunka
1. The agreement of the nominal rakhunku for the participation of the benefactor can be changed for the benefit of the beneficiary, as the law of the nominal rakhunku is not transferred to the nominated by law.
2. If necessary, before the bank, declare the owner of the bank about the promotion of the contract of the nominal bank of the bank of the bank, informally inform about the benefit.
3. As the owner of the nominal rakhunku the opikun or the benefactor of the benefactor, when the owner of the nominal rakhunku is recognized, the owner of the nominal rakhunku is substituted by the law of the owner of the benefactor who At the time of registration of the statement, for example, in the case of those transferred by the law, in addition, when the beneficiary has reached the point, the contract of the nominal rakhunku will be asked, the surplus of costs for the application of the benefactor may be seen by the bank.
4. In case of an agreement of a nominal rakhunku, an excess of funds should be transferred to the other nominal rakhunok of the owner, in order to see a beneficiary, if it is not transferred by law, but in the agreement of a nominal rakhunku, because it doesn’t get paid.
Information about winter:
Chapter 45 has been updated with the names of "§ 3. Rahunok escrow" from 1 worm 2018 r. - Federal law vіd 26 lipnya 2017 p. N 212-FZ
§ 3. Rahunok escrow
Article 860-7. Contract rakhunku escrow
1. According to the agreement, the escrow bank (escrow agent) has issued a special escrow banker for the oblivion and blocking of the costs, which are taken away by him from the owner of the escrow (depositor) on the basis of the transfer of the agreement to the individual (beneficiary of the decision) The rights to the cards, which are located on the escrow rakhunka, are due to the depositor until the date of approval for the transfer of the benefits to the beneficiary, and for the specified date - to the beneficiary. The order is penniless, so є on the escrow rakhunka, go to the order given by the paragraph.
2. Zobov'yazannya for the agreement of escrow can be settled in the order of the agreement for escrow in the іnshom agreement, for which escrow agent є the bank.
3. A wine city cannot be contracted to a bank as an escrow agent, but it is not possible to transfer to a bank escrow, unless it is transferred by the contract.
4. Until the end of the statute of this Code is not passed on to the general provisions of the bank account and the escrow agreement (chapter 47.1), it is not transferred from the point of view of this Code.
Article 860-8. Covered with schodo rosordered with penny cats ta vikoristannya rahunku escrow
1. It is not transferred by the agreement, neither the depositor, nor the beneficiary can deny the right to dispose of a penny, to be found on the escrow rakhunka, behind a vignette of vipadki, meaning in the statty.
2. Sending money to the escrow account of the depositor, for a sum of money, is not allowed to be deposited, as stipulated in the escrow agreement.
3. At the time of the decision of the court, transferred by the agreement to the escrow, the bank at the establishment of such an agreement of the lines, and for the last ten days, the beneficiary was deposited with the sum, or pererahuvati їun on the meanings of it.
Clauses 1 and 2 of article 859 of the Code do not become stagnant until the end of the escrow.
2. If the donor is not transferred to the benefit of the beneficiary, if the agreement is canceled to the escrow, the surplus of funds will be recovered, if the depositor is seen, if a request is received for the benefit of the beneficiary.
Information about winter:
Chapter 45 supplemented with paragraph 4 of 1 worm 2018 r. - Federal law vіd 26 lipnya 2017 p. N 212-FZ
§ 4. Public deposit account
Article 860-11. Public deposit agreement
1. According to the agreement of the public depositary bank, how to settle with the method of depositing funds in cases transferred by law, the bank of goods will be obliged to accept and insure the beneficiary of the bank, who should be the person of the owner for the dispatch of the law. the owner of the rakhunka (notary, bailiff services, court and other authorities and persons, who, according to the law, can accept a deposit).
The huge depository can be seen in the Russian credit institutions, the value of the capital (capital), which becomes less than twenty billion rubles. In a month's stretch, if the owner of the public deposit rakhunku became aware of the fact that the amount of the capital of the credit organization was less than the sum of the sum, it was Hromadsky depository rakhunok at the first Russian credit organization, the amount of capital which becomes less than the designated sum.
2. Under the agreement of the community depository, the bank has no right to control the operation of the owner of the community’s depository by the law, the rules about depositing, which are transferred by law.
3. Deposition of items on the public depository depository is more difficult for itself to be determined to the owner of the item, for which the stench was deposited (beneficiary). Beneficiaries are not entitled to the right to receive transactions from a pittance, but they hoped for a huge depository bank from the bank.
4. Benefit from the right of vimagati from the owner of the rakhunku pererahuvannya (vidachi) benefit from the public deposit rakhunka in the order provided by law.
Article 860-12. Operations from the public deposit account
1. For the public depositary rakhunka at the submission of the assignment (ordering) of the owner of the rakhunku, there may be operations for re-holding any of the evidence of deposited funds for the beneficiary and for the turnover of the needs of the depositor for any particular case.
The initiation of these operations from the public deposit rakhunku and crediting rakhunku () is not allowed, as it is not transferred by law.
2. Vlasnik of the public depositary depository does not give any indication to the beneficiary and the depositor for the operation of such a depository because of the violation of the rules about depositing established by law.
3. The bank is not aware of the fact that the owner of the bank is not aware of the fact that the rules on depositing the bank failing to carry out the operation of the public depository have been submitted to the owner of the bank because of the violations of the rules established by the law on depositing failures vicoristannyam kosht_v on rakhunka.
Article 860-13. Hundreds of money for a penny bank account for being on the public deposit market
1. For koristuvannya groshim, scho perebuyut on the public deposit rakhunok, the bank rallies money, the sum of money that is secured for rakhunok.
· Rozrahunkovy rakhunok to be seen to legal persons and individual entrepreneurs. The price is the main business of the enterprise, and it is displayed in banks for organizations, as it is possible to find a balance. Rozrakhunkovy rakhunok meanings for the selection of catches and carrying out unrequired rosrahunks. From this drive, the entire virus of a legal individual is insured from the sale of products and on which they go for the goiters of the enterprise. With the opening of the state partnerships and the state partnerships, the dignitaries bring up a team-hour rosary (accumulative) rakhunok, which will later transform into a rozrakhunkovy rakhunok.
· Streaming rakhunok see budgetary institutions for obl_ku and zd_jsnennya operations for non-budgetary rakhunks, as well as for families, representatives, large organizations and funds. On the vidminu of rosary rakhunks, which are used for unprepared rakhunks, in-line rakhunks that are crocheted with a view of the rakhunks. The understanding of the "flowing rakhunok" is not normatively designated, but the transition of operations that work from the rakhunka can be intelligent.
· Budget rahunok see enterprises, establishments, organizations, which are financed for the budget in the most recent years.
· Currency rakhunok to see clients for holding transactions in foreign currency (according to the regulations of currency legislation - Federal Law "About currency regulation and currency control").
· Korespondentsky rakhunok- rakhunok bank іnsh banks, tobto rakhunok, in which vrahovyuyut in zaєmorozrahunki banks.
· Subrahunok- special rakhunok, which can be seen at banks for an additional amount to the main rakhunks of commercial and independent self-financed organizations (rozrakhunkovyh, current, correspondent). Costs, as they go to the subrachunks of the branches, from time to time and enterprises to be insured on the main bank rakhunks of the head organization.
The bank has such operations with a penny on rakhunka:
· Priyom kost_v;
· Zarahuvannya koshtiv;
· Pererahuvannya koshtiv;
· The view of the services and operations behind the rakhunk.
Bank rights:
1.Mozhzhe koristuvatisya den zasobami of the client, with a guarantee of the right of koristuvannya (guilty of paying the client for koristuvannya den zasoba)
Requirements of the client:
1.Dotrimuvatisya bank rules;
2. Pay for the servants to the bank from the servants of the rahunka;
3. In times, if I think about overdraft, goiters'viplachuvati і%.
In accordance with the provisions of the banking agreement і, please, close the bank account і:
a) I will declare the client, I will be in an hour;
b) rishennya to the court for the position of the bank at vipadkah, if the sum of money, which is saved on the client's rakhunka, appears at the bottom for the transfer of bank rules, or by the agreement of the size (as such a sum will not be renewed by the banya during the day)
c) rishennya to the court for the position of the bank at once, if the operation for the rakhunk of the client is in the daytime stretching out to the rock.
Bank rakhunok- Rakhunok, you should be recognized by a legal bank physical persons for їх participation in a penny-free cleaning and akumulyuvannі on a donation-free cattle for a whole victorian.
Article 846. Stacking the bank rakhunku agreement
It takes an hour to put the bank's rakhunka into agreement with the client, the designated person, to see the rakhunok at the bank for the minds of the parties.
Bank of the bank's liabilities of the order of the bank's rakhunku with the client, which has returned from the statement of the rakhunok on the bank's denunciated for the witness of rakhunk's minds, but the rules of the bank are introduced to the laws before
The Bank does not Got right vіdmoviti in vіdkrittі rahunku, zdіysnennya vіdpovіdnih operatsіy for Yakima peredbacheno law ustanovchimi bank document that Vidanov Yomou Allowed (lіtsenzієyu) for vinyatkom vipadkіv, if such vіdmova viklikana vіdsutnіstyu from banks mozhlivostі priynyati on bankіvske obslugovuvannya abo dopuskaєtsya law chi іnshimi legal acts.
Goiter bank:
1. To carry out operations from the rakhunku - the main obligation to the bank.
2. Zdіysnyuchi operatsії from rakhunka, according to the rule, it is not possible to interconnect the ordering of the groshim of the client's rakhunka.
3. To ensure the safety of the bank account (the Bank is the guarantor of the bank account of the bank account and the bank deposit, operations from the bank account and information about the client. that in order, transferred by law, to the State authorities and we will give such persons such a view, they can be given only in terms of that order, transferred by law.
Write-off of items from rakhunku:- for the order of the client, and for the vipadku given by the law, without the permission of the client (for the decision of the court)! Due to the calendar principle of reliable payment documents, as there are not enough costs for a rakhunka, then charity established by the law:
Before we go to write off for the visitor's documents, to transfer the overdrawn or the presentation of the items from the rakhunka for the satisfaction of you about the education of the child, the life of the healthier, and also the allotment;
A friend of yours will be able to write off for work documents, transfer over-insurance, or the number of costs for services for services and payments for persons who work for a labor agreement, including the author's number in the result of the contract;
At the third stage, a write-off for payment documents is carried out, and the transfer of overdue payments or the issuance of costs for payments for payment by individuals who work under an employment agreement (contract), as well as for payments to the Pension Social Fund of the Russian Federation, the Fund of the RF Pension Social Fund medical insurance;
At the fourth day of writing, it is possible to write off payments for payment documents, transfer payments to the budget and extra-budgetary funds, which have not been transferred to the third person;
At the p'yatu cherga, I can write off the documents for the visitor's documents, so I can transfer the satisfaction of those pennies;
At the door of the house, the debit will be carried out for the other payment documents in the order of the calendar chart.
Writing off the cards from the rakhunka for the vimogs, which should be kept up to one church, kept in the order of the church's calendar documents.
Transfer the cards for bank rakhunks
The Law on Banks has given a bank operation, which has been formulated as legal entities, zokrema of correspondent banks, for bank rakhunks "(clause 4 of article 5).
Credit organizations wait for the transfer of cards for bank rakhunks at the viglyadi debited cards from bank rakhuns for payers i:
1) securing the bank accounts for the bank accounts;
2) vidachі gotіvki otrimuvach koshtіv - physical persons;
3) an increase in the surplus of EPCs won.
Procedures for Visiting the Order include:
- in the first place, the list of cards was written off, at the sight of the debit cards from the bank's rakhunku of the paid person;
- In a different way, the share of the list is distributed;
- On-tertє, confirmation of the order;
- on a quarterly basis, banks can be installed beforehand, among which in contracts, there are procedures for issuing orders, including the procedure for specifying requisites for orders, turning pennies, since you cannot be protected, , zokrema chastkovo vikonannya rozporyadzhen.
The order of vikonannya procedures vikonannya credit institutions and orders and information of clients. The order of procedures for vikonannya rozporazhen, rozporazhen the sum of money with registers is established by the credit organization. The whole procedure is brought by the credit organization to the clients, the constituents of the cards, the credit organizations' agreements, documents, and the information dissemination among the customer service missions.
The procedure for earning pennies from a bank's rakhunok won. The bank will establish the procedure for earning pennies for the bank. Allowed to earn pennies for a rakhunok won for two requisites: the number of the bank's rakhunka won the cards and the information about the won cards. The lowest order can be transferred by law or by agreement.
Chastkovo vikonannya razorodzhen paysites, won prizes, inclusive of ordering, which is given a partial acceptance of the payer, who are paid by the bank in such a way.
1. A part of the list of payments for pay-as-you-go owners, including those for payment, but a partial acceptance of the payee, for those who have been awarded by the bank in the form of a contract, a payment order electronic viewer about the paper nose.
2. Requisites, form (for a payment order on a paper nose), the number of requisites of a payment order was issued in additions 8-10 to the Regulation of the Bank of Russia No. 383-P.
3. A payment order, deposited by the bank with the help of a private payment order won by the payment order, which is a partial acceptance of the paid payee, if there are not enough items at the payer's bank account, it is not indicated by the payment order.
4. When entered in the electronic viewer, the order is not displayed at the lines of the order, the bank will not be able to provide information about the part of the order (the date and number of the payment order, the serial number and the amount of the form of the part of the order, ...
5.Information about the order of the order on the paper nose is indicated at the order of the paper on the nose of the new requisites (as the requisites are installed), for the pose, by means of the order of the order, the order of the numbers
6. Information about the part of the order on the paper nose (where the requisition has been set) can be seen on the paper nose on the paper front before the order is placed by the bank when the order is left.
7. The order before the order is stored due to the information about the lot, the information, which allows you to put the order on the paper nose, that on the new one a stamp is put on the bank and the signature of the assigned individual to the bank.
8. For the obviousness of the supplement to the order on the order on the paper nose, a notice shall be affixed to the bank "Dodatok: part of the order on the arch."
The order of the approval of the local administration of the payer(winning items) in the electronic viewer or on the paper nose, which was transferred to the order for transferring items to the bank.
According to the first, the paysite (otrimuvachu kostіv) is obliged to be notified in the electronic view of the payment order requisites, or the direction of the payment order in the electronic view because of the indicated date of the visit.
In a different way, the paid person (I will cut off the cards) will be given a copy of the payment order on the paperwork because of the date of registration, stamped on the bank and on the signature of the trusting individual to the bank.
The distribution of orders in the electronic viewer with the help of the order of the transfer of items on the bank account is approved in the following order:
1. The paysite's bank supervises electronically to the paysite about writing off pennies from the paysite's rakhunka from the prescribed requisites of the official order, or to the directions of the visitor’s order in the electronic viewer because of the dates of the date. Whenever we see the bank, we can immediately receive a reception until the order is ordered in the electronic viewer that one hundred times;
2. The bank has acquired pennies through a referral to receive information about earning pennies on the bank's bank account for the requisite requisites of the official order, for other reasons, the referral of the official order for the purposes of the assignment.
The distribution of the order on the paper nose with the sign of the help of the transfer of the cards for the bank rakhunk is approved by:
1. By the paysite's bank at the viglyad, the paysite has given a copy of the visitor's order on the paper nose because of the designated date of the visit, stamped on the bank and the signature on the bank's trusting individual. With a stamp of the paysite's bank, you can instantly receive a receipt until the publication of the order on the paper nose of that publication;
2. The bank has won a certificate for an additional donation to the bank who has been awarded a certificate of order on the paper nose because of the designated date of registration, stamped on the bank and on the signature of the trusting individual to the bank.
3. Subject to the agreement, the ordering of the order on the paper nose with the help of the transfer of cards for the bank can be confirmed by the bank in the order transferred by i. 4.6 Regulations to the Bank of Russia No. 383-P, according to the provisions of clause 1.24 of the Regulations.
Terms of confirmation of the order for the transfer of pennies. Visiting the order, the beginning of the day, the ordering of the order, the more successful day, the coming day of the week of the order.
