Why am I closing bank accounts. The Central Bank canceled the transaction passport. But currency control will remain

For creating certificates of currency transactions 138-I through the Sberbank Business Online system:

1. To create a new document list form click the toolbar button.
2. To create a corrective certificates of currency transactions 138-I based on the existing one, select the desired document in list form certificates of currency transactions 138-I , right-click on it and select from the context menu Document correction.
3. A window will open Information about foreign exchange transactions.

   

   A number of fields in the window will already be filled in by the system. Fields with a white background are filled in or edited manually. Fields with a gray background are filled in by the Sberbank Business Online system when filling out related fields.

   Attention!

4. Enter or edit the values ​​of the document details:

   a. In field Number change the document number if necessary. By default, the system numbers documents in the order in which they were created during the calendar year.

   Attention! When saving a document, the Sberbank Business Online system checks if the document number is duplicated. If a copy of the same document with the same number has already been saved in the system in the current year, the generated document will be saved with the next large free number, and a message will be displayed about the new number.

   b. In field the date if necessary, change the date of the document. By default, the field is filled with the current date.
   c. In field Use enter the full name of the document executor manually or from the employee directory
   d. If needed in the field Tel. indicate the phone number of the executor of the document.
   e. In field Help from indicate the date of the certificate of foreign exchange transactions.
   f. To generate a corrective statement of currency transactions (138-I), fill in the field Adjustment.
   g. In field Country code of a non-resident bank
   h. In field Account No. enter the account number.

   fields Country code of the non-resident's bank and Check are not filled in if the Payment attribute field of at least one record of the nested table is set to “Third party operation” or “Letter of credit execution”.

   i. Generate the required number of records of currency transactions.

   When creating/editing a currency transaction record:

   A. A window will be displayed Adding an entry.

   

   Attention! A block can be displayed in the right part of the window Instructions for filling in the fields. When filling in the fields in this block, hints will be provided to correctly determine the values.

   B. In the field Payment sign indicate the appropriate sign. Values ​​are selected from the dropdown list.
   C. In the field Currency document type specify the type of document for which the certificate is being compiled.

   Note: For a new certificate generated from a settlement document, the Currency document type field is closed for editing

   D. Specify part of the details of the document for which the certificate is being compiled, in one of the following ways:

   • Select the document for which the certificate is being compiled:

   a. Select a document from the list of documents using the ... button located to the right of the field Currency document type.
   b. fields Number of the currency transaction document, , Date of operation will be filled in automatically.

   • Enter details manually:

   a. Specify the document number for the currency transaction in the field of the same name or fill in the selection field Without a number.
   b. Specify the date of the currency transaction document in the field of the same name.
   c. In field Date of operation indicate the date of enrollment or the date of the application for transfer / payment order.

   E. In the field Currency transaction type code select the code of the type of currency operation from the directory.

   When specifying codes of types of currency transactions, the following features are available:

   • When specifying codes 61100 or 61135, information about documents does not need to be specified. That is, the fields Transaction passport number, Contract number, without a number and agreement date become uneditable and their values ​​are deleted.
   • When codes 61130 or 61200 are indicated, further filling in the parameters of the certificate of currency transactions becomes impossible. At the same time, in the window Adding an entry the following information appears: "When specifying the codes of the types of currency transactions 61130, 61200, the certificate of currency transactions is not filled out."

   F. In the field Payment currency code select the appropriate code from the currency directory.
   G. In the field Amount of payment enter the appropriate amount.
   H. In the field Transaction passport number indicate the number of the transaction passport. The value can be entered manually or selected from the directory of transaction passports.

   When entering a value manually, the following conditions must be met:

   • In digits 1-4 of the number, you must specify the year and month in the YYMM format. In this case, the specified year and month must not exceed the current date.
   • In digits 9-16 of the number, only numbers should be indicated. Digits 13-14 may contain the value "GU".
   • The 17th digit of the number must contain a numerical value from "1" to "6" or "9".
   • In the 18th digit of the number, the digital value "0" should be indicated if the value not exceeding "1209" is indicated in 1-4 digits (that is, the date 09.12). Otherwise, in the 18th bit, a digital value from "1" to "3" must be indicated.

   I. In the field Contract number indicate the contract number corresponding to the selected transaction passport, or fill in the selection field Without a number.
   J. In the field agreement date indicate the date of signing the contract.
   K. In the field using the currency reference, set the appropriate currency code of the contract (loan agreement), if it differs from the payment currency code specified in the field Payment currency code. This code must correspond to the currency code of the transaction passport, the number of which is indicated in the field Transaction passport number. Also, this code can be set in the field automatically if the currency code in the field Payment currency code is different from the currency code of the transaction passport, the number of which is indicated in the field Transaction passport number.
   If the selected value corresponds to the currency code specified in the field Payment currency code, then the value in the field Currency code of the contract (loan agreement) will not be installed.
   L. In the field indicate the appropriate amount in the currency of the contract (loan agreement), the code of which is indicated in the field Currency code of the contract (loan agreement).

   The value in the field can be entered manually or calculated using a currency converter.

   To make a calculation using a currency converter, follow these steps:

   

   • The values ​​of the mode fields will be automatically filled in with the corresponding values ​​from the fields of the window Adding an entry.

   However, in the field Result the result of currency conversion at the exchange rate on the specified date will be automatically reflected.

   • To exit the currency converter mode, press the OK button.

   At the same time, the value of the amount calculated using the converter from the field Result will be automatically set in the field Amount in the currency of the contract (loan agreement) window Adding an entry.

   M. If needed in the box Expected date indicate the expected date of performance of obligations under the contract.

   Note: Field Expected date is filled in only for transactions on transaction passports with codes of types of currency transactions 11100, 21100, 23100, 23110 (these codes are marked in the directory of currency transaction codes as requiring the expected term), as well as in the absence of contract details (in the absence of values ​​in the fields Contract number or without a number, as well as agreement date). In other cases, the field is not filled in and is closed for editing.
   The date in the field Expected date, must be greater than the date specified in the field Date of the currency transaction document, and less than the date specified in the field Date of completion of fulfillment of obligations transaction passport specified in the field Transaction passport number.

   N. In the field Note provide additional information if necessary.
   O. Press the OK button.
   P. It will return to the window Information about foreign exchange transactions.

   Note: Value in the field Sign of payment for all records of currency transactions should be the same.

   j. In the block Attachments if necessary, create a list of additional files attached to the document, in accordance with the instr. "Shaping and Viewing Attachments".

5. Check the document before saving.
6. Save the document.

As a result of these actions, the document will be created and saved.

Specialists of the Sberbank of Russia support service provide round-the-clock advice, receive complaints and appeals from bank customers. Below are the contact details of the support service, toll-free numbers of the "Hot Line" and the address for entering the "Personal Account".

A single free number of the Sberbank of Russia support service for individuals and legal entities:

Free calls from mobile and landline numbers registered in Russia.

How to call Sberbank for free?

To call an employee reference service "Sberbank", call toll-free number 8800 555 5550 (or short number 900 from any mobile phone) and select the desired item from the voice menu.

You can also call the operator directly - just wait until the system repeats all menu items without pressing the keys. Then you will be transferred to the first vacant bank employee. Call the number hotline of Sberbank 8800 555 5550 it is possible from any Russia absolutely free of charge, from a mobile or landline phone registered in the Russian Federation. Sberbank operator?

Support number for calls from Moscow and from abroad:

All calls to a single city number +7 495 500 55 50 paid according to the tariffs of your telecom operator. We recommend calling this hotline number when you are abroad in international roaming or when using a phone registered outside of Russia.

For emergency blocking of a lost Sberbank bank card, press the number in tone mode immediately after connecting.

To quickly connect with a bank employee, select the desired section in the main menu of the automated information service.

Information about the balance of a credit or salary card- press a number

"Services for individuals"- press the number To connect with the Sberbank hotline operator, then press the number and then wait for the connection with a support service specialist (, mortgage department and others).

"Services for legal entities"- press the number To connect with the operator of the legal department, then press the number and then wait for the connection with the support service specialist to receive any information on bank services for legal entities.

Thank You Loyalty Program- press the number To connect with the operator, then press the number and then wait for the connection with the support service specialist.

For example, to immediately call a Sberbank support employee call the same number 8800 555 5550 and successively press the numbers and in tone mode. For emergency blocking of a credit card, simply press the number 1 immediately after the connection.

Please prepare your personal data in advance to access personal information through the operator Sberbank hotline. To identify the client, passport data, a code word and bank account details may be required. At the same time, no bank employee has the right to ask you for the PIN code of a bank card and a secret three-digit code. This information is strictly confidential! Please note that you can submit a request or complaint to bank security service, using the numbers indicated above and waiting for a connection with the operator.

Step 2. Fill out the form

In the dialog box, select the method of providing information - providing a contract. Fill out the form displayed on the screen, attach an electronic copy of the contract (for example, a scanned page). Additional information such as amount and currency, completion date of the contract, etc. may not be filled. If you fill them out, the check will be faster. Click on the green "Create" button at the bottom of the page

Step 3. Sign the document

Step 1. Open the currency transfer form

In the top menu, select the "Products and Services" section and click on the "Currency Control and Consulting" button. Click on the orange "New Document" button. In the drop-down menu, select the item "Register a contract"

Step 2. Fill out the form

In the dialog box, select the method of providing information - providing a contract. Fill out the form displayed on the screen, attach an electronic copy of the contract (for example, a scanned page). Additional information such as amount and currency, completion date of the contract, etc. may not be filled. If you fill them out, the check will be faster. Click on the green "Create" button at the bottom of the page

Step 3. Submit additional information about the currency transaction

The bank will request additional information about the currency transaction. It is necessary to indicate the type of contract and, if necessary, upload documents (if they have not been provided before)

Step 4. Sign the document

Check the accuracy of the information you provide to the bank. If there are no errors, click on the orange button "Get SMS code" on the right and enter the received code in the input field

Dear clients - participants of foreign economic activity!

From November 20, 2018 1 Bank of Russia Instruction No. 4855-U dated July 5, 2018 “On Amendments to Bank of Russia Instruction No. 181-I dated August 16, 2017 2” comes into force;

The amendments establish control over the repayment by residents from non-residents of granted loans and interest on them to their accounts in authorized banks 3 .

The obligation of residents to repay loans and interest is established by Law No. 64-FZ from April 14, 2018 for the following loan agreements:

• prisoners after 04/14/2018;
• concluded before April 14, 2018, the terms of which were significantly changed after April 14, 2018.

In order to register an agreement on granting a loan to a non-resident, a resident is obliged to submit to the Bank information on the expected terms of repatriation of foreign currency and (or) the currency of the Russian Federation.

Expected terms are calculated in accordance with Instruction No. 181-I (Appendix 3):

• terms of repayment of the loan and interest are determined on the basis of the loan agreement or are calculated by the resident independently;
• the time period for the transfer of funds by credit institutions is added to the calculation;
• the expected period of repatriation of funds cannot exceed the date of completion of the fulfillment of obligations under the loan agreement.

Information on the expected terms provided by the resident is reflected by the Bank in the bank control sheet under the loan agreement, clause 8.2 “Description of the payment schedule for the repayment of the principal debt and interest payments”.

The statement of bank control under loan agreements is supplemented by a section

V. Information on the fulfillment by the resident of the requirements of Article 19 of the Federal Law "On Currency Regulation and Currency Control" 4 with subsections:

V.I - Information on the return of the principal debt;

V.II - Information on the payment of interest payments.

Responsibility for a resident's failure to fulfill the obligation to receive funds due under loan agreements from a non-resident within the prescribed period is established by Part 4 of Article 15.25 of the Code of Administrative Violations of the Russian Federation (as amended by Law No. 64-FZ and Law No. 325-FZ 5).

When transferring a contract (credit agreement) for servicing to another authorized bank, the resident is obliged to provide the new contract accounting bank (hereinafter referred to as the MC bank) additionally with the following information 6:

• date of registration of the contract (loan agreement);
• the date of deregistration of the contract (loan agreement) in the previous bank of the Criminal Code;
• registration number of the previous bank of the Criminal Code.

At present, the resident submits to the new bank of the Criminal Code only the contract (loan agreement), or an extract from it and information about the unique number of the contract (loan agreement).

When issuing a certificate of supporting documents for loan agreements with the contract type code 5 - “provision of a loan to a non-resident”, it is necessary to indicate in the “Note” field the attribute:

"F" - in the case of submission of documents confirming the occurrence of the conditions for non-repayment of the loan (paragraphs 8-10 of part 2 of article 19 of Law No. 173-FZ);

"P" - in the case of submission of documents confirming the fulfillment of obligations to pay interest payments by a non-resident in a different way, other than settlements.

We draw the attention of individuals - residents!

The requirements of Article 19 of Law No. 173-FZ on the return of loans and interest on them to accounts in authorized banks also apply to resident individuals.

Ordinance No. 4855-U approved the procedure for the submission by individual lenders to the Bank of documents and information on loan agreements, including:

• when writing off foreign currency or the currency of the Russian Federation under a loan agreement, the amount of obligations of which is equal to or exceeds the equivalent of 3 (three) million rubles, a resident individual must also submit to the authorized bank information on the expected timing of repatriation of funds;
• when repaying a loan, making interest and other payments by a non-resident under a loan agreement, a resident individual must inform the authorized bank about the purpose of such payment no later than 30 (thirty) business days following the day the foreign currency or the currency of the Russian Federation is credited to the account of the individual ;
• other.

1 Bank of Russia Ordinance No. 4855-U, dated July 5, 2018, “On Amendments to Bank of Russia Instruction No. 181-I, dated August 16, 2017, “On the Procedure for Residents and Non-Residents to Submit Supporting Documents and Information to Authorized Banks When Conducting Foreign Exchange Operations, and on Uniform Forms accounting and reporting on foreign exchange transactions, the procedure and terms for their submission” (hereinafter referred to as Instruction No. 4855)
2 Bank of Russia Instruction No. 181-I, dated August 16, 2017, “On the Procedure for Submitting Supporting Documents and Information to Authorized Banks by Residents and Non-Residents when Carrying out Foreign Exchange Transactions, on Uniform Forms of Accounting and Reporting on Foreign Exchange Transactions, the Procedure and Terms for Submitting Them” (hereinafter referred to as the Instruction No. 181-I)
3 Compliance by a resident with the requirements of Article 19 of Federal Law No. 173-FZ of December 10, 2003 "On Currency Regulation and Currency Control" (hereinafter - Law No. 173-FZ) as amended by Federal Law No. 64-FZ of April 3, 2018 "On Amendments to Federal Law "On Currency Regulation and Currency Control" and Article 15.25 of the Code of the Russian Federation "On Administrative Offenses" (hereinafter - Law No. 64-FZ).
4 By analogy with agreements on the export and import of goods and services
5 Federal Law No. 325-FZ of November 14, 2017 “On Amendments to the Federal Law “On Currency Regulation and Currency Control” and Article 15.25 of the Code of Administrative Offenses of the Russian Federation” (hereinafter referred to as Law No. 325-FZ), which entered into force on May 14 .2018
6 The specified information is sent to the resident by the previous bank of the UK (the bank that deregisters the contract on the basis of 6.1.1 of Instruction No. 181-I).

From March 1, 2018, transactions under contracts in foreign currency will need to be executed according to the new rules. The Central Bank approved a new instruction for this.

Source: Instruction of the Central Bank of August 16, 2017 No. 181-I

The main thing

There will be no more transaction passports.

Instead, banks will keep records of contracts, the amount of which is more than 3 million rubles.

The bank still has the right to request transaction documents if it has suspicions. Even if the contract amount is less than 3 million.

The list and forms of documents for registration of the transaction have changed. But you don’t have to figure it out: the bank will help.

What is a deal pass?

A transaction passport is a document that a bank draws up for an import or export contract. It is needed for currency control. Data from the documents provided by the client are entered into the transaction passport. When the parties fulfill their obligations, the transaction passport is closed. Then the bank sends data about the transaction to the Central Bank.

Ekaterina Miroshkina

economist

An import transaction passport is issued to the importer, that is, to the one who imports goods from abroad into the territory of Russia. Or when ordering services from a non-resident in the territory of another state. With the help of the import transaction passport, the bank controlled whether the payment to the foreign company was justified.

An export transaction passport is a document that is drawn up for the exporter. That is, a bank client sells goods abroad and receives money from there. The obligation of the bank is to control the terms of payment and other terms of the contract. For this purpose, an export transaction passport was drawn up for each contract.

If the documents are not all right, the transaction passport will not be issued and the calculations will not be carried out. The bank has this right under the law.

Whom does it concern?

This applies to entrepreneurs and firms that are engaged in import or export. For example, they sell goods abroad, provide services to foreign companies, or rent property abroad. Settlements under such contracts are drawn up according to special rules. For example, in order to sell goods in Russia, it is enough to conclude a regular sale and purchase agreement and receive money into the account. In order to sell the same goods abroad, it was necessary to additionally draw up an export transaction passport, and the bank controlled the fulfillment of the terms of the contract.

You can’t just conclude an agreement with a non-resident and transfer money to him. You will have to connect the currency control department, provide documents to the bank and issue a transaction passport. Otherwise, it will not be possible to legally pay off: the bank does not have the right to make a payment.

It takes time to collect documents and issue a transaction passport. You also need to pay for this according to the tariffs of the bank. Such rules.

Will transaction passports be completely unnecessary?

Yes, from March 1, 2018, there will be no deal passports. But this does not mean that settlements under contracts with foreign companies will be carried out automatically.

Currency control is not going anywhere. But instead of issuing a transaction passport, the bank will register the contract.

We write about changes in legislation for entrepreneurs and individuals, we tell how investment instruments work and how to cash in on the bank.

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What are the rules for banks to register contracts?

Banks will register only those contracts, the amount of which exceeds the limit. For import contracts and loan agreements - 3 million rubles, for export - 6 million rubles. If the amount in the contract is less, it is not registered.

In order for the contract to be registered, the bank must provide information about the contract and details of the second party. There are different lists of information for import and export contracts. Employees of the currency control department will explain what is needed in a particular case and how to arrange everything.

Registration of contracts will be carried out in one day. Calculations will become faster and easier.

The bank will not be able to refuse to register the agreement. If there is all the data, the contract will be registered in any case.

Does the bank have the right to request documents for any payment under a foreign exchange agreement?

No, not by any. If the amount is less than 200 thousand rubles in ruble equivalent, according to the new rules, documents are not required.

Is it possible to divide transfers into several payments up to 200 thousand and not provide anything to the bank?

That won't work. It is not the amount of payment that is important, but the amount of the contract. If it is more than 200 thousand, the bank may request documents for the transaction. If more than 3 million rubles for imports or 6 million for exports, the contract will be registered.

You can conclude an agreement with a foreign company and pay in rubles. Then you do not need to provide and register anything?

And the counterparty does not have to be a company abroad. It can also work in Russia, accept or transfer rubles, and the transaction will fall under currency control. For example, if this is a representative office of a foreign company in Russia.

If the contract was concluded in 2017, and the settlements were made in 2018, what instructions should be used to draw up everything?

In 2018, a new instruction will work for all transactions. The Central Bank explained what to do during the transition period.

If the transaction passport is issued, but not closed, in 2018 it will be automatically closed, and the contract will be registered.

If the documents are being checked, but the passport has not yet been issued, it will not be issued. The contract will be registered on the basis of the same documents. It is not necessary to collect information for issuing an import transaction or export passport.

If the bank managed to issue a transaction passport, you can ask and the document will be issued.

Will the new rules help save money?

They will help, but not everyone. You will still have to pay for registration and accounting of contracts. Cancellation of the transaction passport does not mean the abolition of the currency control fee. For a bank, this is almost the same job, just called differently.

Those who have contracts for small amounts will be able to save time and money. They will have to collect fewer documents. Plus, you can save on currency control fees.

Documents can be processed faster. Now the transaction passport is being prepared for three days. Next year, the contract will be registered in a day.

Here's how else you can save money on foreign exchange transactions.

Check bank rates. All have different fees and conditions. There are tariffs where there is no currency control service at all. And there is with a reduced fee and a limit on the amount of commission. You can choose the appropriate one depending on the turnover and amount of transactions.

Find out how you can submit documents. Carry originals and copies to the bank for a long time. If something is missing, you have to go again. It is more convenient to upload scans in your personal account or send them to a chat with a manager. If the bank has such a service, things will go faster.

Find a foreign exchange consultant. Import and export is more complicated than settlements with residents. Any violation will be fined. As a result, you can lose more than you earn. Find out from your bank who can help and if there is a personal manager for complex issues. If the Expert Advisor connects to the trade in time, there will be no errors and you will be able to save money.