Article 849 of the Civil Code of the Russian Federation. Terms of account transactions

Any credit to current account institutions must be recorded and reflected in the documentation. At the same time, money can enter the organization’s “treasury” in several ways:

Through the cash register.
From a bank account of a company registered in another bank.
From other individuals or companies (for example, participants).
From various funds (including extra-budgetary). Payments for excess fees or taxes fall into this category.
Receipt of money to the current account (random transfer).

How long does it take to transfer to a current account?

It is impossible to answer this question precisely, because the speed depends on the type of monetary transaction, the recipient and the bank. The bank in this list is the most important, because in some institutions the money is transferred to another account in a couple of seconds, while in others it will take several hours to check all the parameters. But it is important to know that the law established the rule that funds should be credited no later than the day following the acceptance of payment from another financial authority.

The longest period is to send the payment the next day.

However, due to the emergence of additional events accompanying the transfer of payment, the transfer period becomes longer, but not more than 5 days. In circumstances where the money transfer involves another currency, the transfer time is usually about 2 days, but may be longer if an error is found in the documents or other obstacles are encountered.

Preferred payment name

Let us immediately note that suppliers do not have a generally accepted universal payment purpose template. Every entrepreneur or organization tries to come up with a name that will describe and briefly convey the meaning of the translation.

How much money goes to Sberbank current account

Sberbank is the largest institution in our country related to finance, issuing loans, storing money and carrying out financial transfers.

Despite the fact that there may be some shortcomings in the work of the bank, they are compensated by the reliability and security of transactions.

When sending money to a Sberbank project account, you need to know the outcomes of some situations that may arise:

Payment in ruble currency is sent to a local Sberbank account. If the money transfer operation was made in the morning or afternoon, then the money will be credited to the recipient’s account on the same day. If the money was transferred in the evening, i.e. after 16:00, the transferred amount will be credited to the opposite account the next morning. If there are weekends, the transfer period may be extended.
The transfer of money was made from a Sberbank branch in another region or from another financial institution. Such payments are transferred to the recipient’s account the next day, in the morning or in the evening. Of course, such deadlines arise in the absence of weekends between them and in the absence of problems that may arise as a result of incorrect data during a money transfer.
Payment sent in foreign currency This situation is the most difficult, since much depends on the bank from which the funds are sent. There are no exact dates for such payments, however, in most cases, the money transfer period does not exceed 2-7 days of the working week.

Option number 4. Cash on account via self-collection

Some providers are interested in the possibility of depositing funds using self-collection devices, i.e. depositing cash through an ATM. Unfortunately, this service is not available for special accounts, since self-collection is linked only to the current account number.

Accordingly, if the procurement participant does not have a current account, then it will not be possible to deposit funds directly through an ATM. If it exists, then the translation can be performed in two stages: first to it, and then to a special one.

In this case, as a rule, no commission is charged. However, to access this service, most banks force customers to issue a corporate card (business card), which requires separate monthly maintenance costs. In Sberbank, for example, self-collection is possible without a corporate card, but in any case, a standard account for business activities must be issued for this.

How long does it take for money to travel from a current account to the current account of different banks?

There are no exact dates for determining the timing of sending to an account from third-party banks, because each monetary authority has its own rules and regulations for transfers.

Payments made in local currency, i.e. rubles, are usually transferred within one day. Non-ruble currency is sent within two days.

How long does it take for money to arrive on the card from the Current Account?

As you know, almost every bank card user has at least once made a money transfer from a current account, since this greatly simplifies and makes the money transfer procedure much safer. For example, to pay for goods or employees.

If the sender and recipient(s) are clients of the same bank, then the transfer procedure usually does not exceed 4-5 hours. In special cases, sending funds may take a day.

A money transfer made to a recipient from another bank takes longer. Usually the period does not exceed 1-2 days, however, when contacting some banks, this period can be increased to 5 days. Basically, the period increases due to the processing of the payment by the financial process center.

Calculations by payment requests

The unified form of payment request (form 0401061) was approved by Appendix 6 to the Regulations approved by the Bank of Russia on June 19, 2012 No. 383-P.

The legislation provides for two types of settlements for collection of payment claims:

with acceptance;

without acceptance.

Reason – clause 2.1 of the Regulations approved by the Bank of Russia on June 19, 2012 No. 383-P.

The organization stipulates the condition of acceptance or direct write-off in the agreement with the buyer, the bank (clause 2 of Article 862 of the Civil Code of the Russian Federation, clause 2.9 of the Regulations approved by the Bank of Russia on June 19, 2012 No. 383-P).

In settlements with payment requests with prior acceptance, the buyer has the right to refuse payment if the organization has violated the terms of the contract. At the same time, he must indicate the reasons for the refusal provided for in the contract (for example, failure to meet delivery deadlines, lack of certain documents for the goods, its low quality, etc.) (clause 2.9.1 of the Regulations approved by the Bank of Russia on June 19, 2012 No. 383-P).

When filling out a payment request with a preliminary acceptance, in the “Terms of payment” field, put the number “1” - a pre-given acceptance.

In the “Term for acceptance” field of the payment request, indicate the number of days for acceptance. The parties establish the deadline for acceptance in the contract (delivery, performance of work, provision of services). However, it cannot be less than five working days. If the parties have not specified a deadline for acceptance in the agreement, take it equal to five business days (unless a shorter period is provided for in the agreement with the bank).

This is stated in Appendix 1 to the Regulations approved by the Bank of Russia on June 19, 2012 No. 383-P.

On all copies of the payment request, the employee of the executing bank in the field “Final. acceptance period" indicates the date upon which the acceptance period expires. When calculating the date, working days are taken into account. The day the bank receives the payment request is not included in the calculation of the specified date. Such instructions are given in Appendix 1 to the Regulations approved by the Bank of Russia dated June 19, 2012 No. 383-P.

A prerequisite for settlements with payment requests without acceptance is that the bank servicing the payer (executing bank) has the right to write off funds from the payer’s account without his order (clause 2.9.1 of the Regulations approved by the Bank of Russia on June 19, 2012 No. 383-P) .

That is, in this case, when the recipient organization issues a payment request, the buyer cannot refuse payment. The bank debits the amount of debt from his account without acceptance. In practice, such calculations are used much less frequently, for example, when paying for utilities, electricity, etc.

In the payment request, in the “Payment Terms” field, indicate:

number “1” if acceptance was given by the buyer in advance;

number “2” if acceptance is required to write off funds.

This procedure is provided for in Appendix 1 to the Regulations approved by the Bank of Russia on June 19, 2012 No. 383-P.

Methods of transfer to Current Account

There are many ways to transfer money. Each current account owner has the right to determine the method they like best and use it. In order to know the scope of the choice, below are the types of transfers and their brief algorithm, which will help you complete a money transfer quickly and accurately:

Money transfer through a bank branch

To carry out this type of sending money, you must visit a bank branch where you have a personal current account.

When going to the bank, each sender must have with him:

Details of the organization to which the transfer will be made (or individual entrepreneur);
Personal account number;
Passport;
In the payment document that accompanies the transfer, it will be necessary to indicate the reason, i.e., the purpose of the financial transfer.

Algorithm for sending money using a bank branch:

Go to the nearest bank branch where you have a personal current account;
Fill out a payment order or entrust this to a details specialist;
Explain and write the essence (purpose) of sending funds;
Check the accuracy of the entered data;
If all the data has been entered correctly, you need to sign the document. It is also worth leaving a document on the transfer of funds, since it will serve as evidence in case of inconsistencies.

Through any bank without opening a current account

Of course, to simplify money transfers, it is best to have a current account, but money transfers can be made without one.

To do this, just take the amount of money that needs to be transferred and go to a bank branch that is ready to provide a money transfer without opening a personal account.

You can visit the bank where the company’s cash account is kept, or visit a loan organization.

The required documents for this type of shipment are a passport and information for payment, i.e. details.

After translation, you must save the document, i.e. a receipt indicating the transfer of money. It is important to store it until the completion of the procedure is confirmed.

Via an ATM or payment terminal

To transfer funds to another account, only an ATM of the authority with which the recipient interacts is suitable.

The procedure for transferring money through an ATM is very simple:

Find an ATM of the financial institution where the recipient’s current account is held;
Select the “Transfer Funds” option;
Enter the details, i.e. account number;
Confirm the operation.

Using Online Banking

It is important to know that transfers using online banking will only be possible for Sberbank clients who have an account, but not necessarily a current one.

Algorithm for transferring funds using online banking:

Log in to your personal account on the Sberbank website;
Go to the “Transfer of Funds” category;
Enter the account number of the organization receiving the funds, as well as the INN and BIC;
Fill in the field with the transfer amount;
Fill in the field where the personal account number, i.e. the sender of the funds, should be indicated;
Confirm the transfer procedure.

A receipt must be sent to the e-mail address, which will confirm the completion of the transfer of funds. It is important to save it until the transferred funds reach the recipient and the transfer is confirmed by him.

Using Mobile Banking (any of the banks)

This method is also suitable only for those who have a personal bank account:

To carry out this type of translation, you need to download the application in the application store (appstore, google play)
Go to the application, enter your personal account login information;
Find the “Transfer of Funds” category and click on it;
In the window that opens, enter your data and the recipient's data. A convenient feature is that in situations where money transfers are regular, you can save a template of the entered data, which significantly speeds up the transfer procedure;
Confirm the operation.

After this, a document confirming the transfer of funds will be sent by email. It must be saved until the end of the financial transaction, i.e. until the money arrives in the recipient’s account.

From map

The convenience of having a card is that you can use it to send it to the bank account of absolutely any organization.

To carry out the procedure for sending money, you need to know the details of the subscriber who is receiving the funds; they will need to be reported to the operator.

If the payment is made personally, i.e. using the bank’s online service (electronic service), you need to fill in the details specifically designed for this, and then confirm the operation, while saving the electronic receipt.

Types and features of operations

All receipts are conditionally divided into a number of categories:

Non-cash payments. This includes receipts of funds to the current account , issued using checks, letters of credit, collection, claims or instructions from the owner of the account.

Plastic card. Another option for receipt is through the “plastic” of the same or another banking institution.

Collection. The main feature of the transaction is the requirement for the recipient to provide the payer’s address with the subsequent transfer of funds to the credit institution. When conducting transactions using collection, two types of securities are used:

Collection orders.
Requirements of account owners.

Payment requirements. Receipts to a current account using such instructions imply two types of settlements - with or without the consent of the account owner. This condition is negotiated in advance and specified in the agreement between the parties (banking institution and buyer). When making payments with acceptance, the recipient has the right to refuse to make the payment. At the same time, he is obliged to indicate the reasons for such a decision (for example, violation of the agreed delivery deadlines).

Other situations are possible when funds are debited without acceptance. Here the credit institution must have the appropriate right. Here, if a request is received, the bank does not ask for permission, but simply debits the required amount from the account.

Collection orders. The receipt of money into a current account through collection orders also has a number of features. Here, it is imperative that the agreement contains appropriate conditions that allow for the collection of funds. Such a right must be confirmed.

Why might the transfer be delayed?

As mentioned earlier, during money transfers, emergency situations may arise that significantly prolong the transfer period.

This is important to consider if a financial transfer is planned in the future, the timing of which will depend on important circumstances.

Settlements by collection orders

The parties may provide in the agreement for collection payments through collection orders. To do this, the bank account agreement must contain the conditions for writing off funds under collection orders and information about recipients who have the right to submit such orders. To confirm this right, the recipient submits the relevant documents to the bank (clause 7.4 of the Regulations approved by the Bank of Russia on June 19, 2012 No. 383-P).

Draw up the collection order on form No. 0401071, approved by Appendix 4 to the Regulations approved by the Bank of Russia on June 19, 2012 No. 383-P. Such a document must contain a reference to the date, number of the contract with the buyer (customer) and its corresponding clause, providing for the right to indisputable write-off.

Possible methods of replenishment in popular banks

As can be seen from the table below, banks without any problems provide the opportunity to send funds using a bank account or personal account of an individual. Enrollment through the cash register is not available everywhere. Self-collection is not shown in the table, because Thanks to it, you can only top up your current account.

Bank's name	Via r/s	Through an individual's account	Through a cash desk at a bank
Dot	Yes	Yes	Yes
Promsvyazbank	Yes	Yes	Yes
Sberbank	Yes	Yes	Yes
VTB	Yes	Yes	—
Alfa Bank	Yes	Yes	—