Transferring money from a legal entity to an individual is allowed only in certain situations. These include:
In other situations, the transfer of funds will not be possible. In this case, there are regulations that regulate the transfer of funds from a legal entity to an ordinary citizen.
The transfer of funds from a legal entity to an individual is possible in the event of a loan or credit. When formalizing a contractual relationship, only certain amounts can be used, i.e. follow the limits.
Next, we will provide you with a cash loan agreement, which may look like this. Those. it contains information about the lender, the borrower, the amounts that are provided for use, the liability of the parties in case of default, the term for repaying the debt, etc.
Third parties may make loans infrequently. After all, such actions may be of interest to special authorities. In order to provide citizens with borrowed amounts, it is necessary to register in the register and in statistical bodies for economic activity.
It is possible to transfer certain amounts from a legal entity to an individual when paying wages. As for the basis for the transaction, an employment contract will serve as it.
Legal entities can transfer funds, including to an employee's bank account. Funds are received only after the citizen performs the work specified in the contract.
We present to your attention an interest-free loan agreement, which includes the data of the recipient and addressee, the subject of the agreement is prescribed, the amount is paid (the amount must be indicated in capital letters). Next comes the clause on the obligation, as well as the liability of the parties for non-fulfillment of obligations.
When sending funds to an individual, a legal entity must know some points by law. It involves combating money laundering, and also limits the amount of transfers. Control over the transfer of funds from a legal entity will be carried out when the amount of the transfer is more than six hundred thousand rubles.
If suspicious "manoeuvres" are carried out in the banking sector, employees of the organization must report this to the Central Bank. Moreover, users are not notified about notifications to the Central Bank, but there is a more thorough control over all transfers of funds.
Instruction
If the recipient of funds has a bank card, you can transfer money to him in several ways.
Contact the branch of the bank that issued the card, inform the operator of the last name, first name, patronymic of the recipient, his personal account number, card number and pay the transfer amount to the bank's cash desk. In addition, this operation can be carried out through an ATM belonging to the issuing bank, equipped with a cash-in device. Enter the account or card number and deposit money into the bill acceptor.
If you own a card from the same bank as the recipient and have access to account management via the Internet (for example, Sberbank-Online, Alfa-Click, Telebank, etc.), you can send money to payment order, indicating in it the last name, first name, patronymic, account number of the person to whom the transfer is intended, the amount and purpose of the payment.
These methods of transfer are the most profitable and convenient, since only a few seconds pass from the moment they are sent to crediting to the account. In addition, in these cases, you will not need to pay a commission for the transfer to the bank.
You can also transfer funds to another individual using the Card Transfer service offered by some banks. To do this, enter the personal account management system, select the appropriate item in the menu, indicate the recipient's card number and the payment amount. Such a transfer can be delivered within 5 days and provides for the payment of remuneration to the bank.
The traditional way to send money to an individual is a transfer from their bank account (deposit). Contact the servicing bank with a passport, fill out an application for a transfer, indicate the last name, first name, patronymic of the recipient, personal account number, name and details of the bank (BIC, correspondent account) and deposit money at the cash desk. In addition to the transfer amount, the bank will take a commission at established rates.
You can transfer money without opening an account. To do this, write an application for a transfer at the bank indicating the full details of the individual and transfer the money to the cashier. This type of transfer also involves the payment of remuneration.
In addition, you can use money transfer systems: Western Union, Contact, MoneyGram, Anelik, Migom, Sberbank Blitz, Unistream, etc. Study the conditions of payment systems, choose the most suitable one for you and contact the nearest transfer point from identity documents. Keep in mind that the commission for such transfers depends on the system and varies from 0.3 to 15%, and the delivery time for money can be from 1 minute to 24 hours.
Tell the cashier the last name, first name, patronymic of the recipient, payment amount, country, city and address of the payout point. Deposit money to pay for the transfer and commission for its implementation. You will receive a receipt or cash receipt, which will contain a unique control number of the transfer. Inform it to the recipient of funds along with the amount and the address of the point of the serving payment system.
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Every financial institution has a receipt. By contacting it, you can put the desired amount on your card. But for this you need to have a passport with you. After checking all the data and receiving a certain amount of money from you, the controller will issue an incoming order, it will indicate the amount paid.
If you have an account and a card in the same bank, then, at your request, a financial company specialist will transfer the amount you specified from account to account. Such statements are written according to the established model, a specialist in the bank building can familiarize you with it.
If one of your friends wants to transfer money to you, then he needs to apply with a passport to the branch of the bank where you are served. He needs to have a passport and your card number with him, in a short time after your friend or relative has deposited money, you will be able to find them on your plastic card.
Many people may need to make a money transfer abroad. This may be for the purpose of helping a friend or relative living there, or to pay for various goods and services. Of course, in the case of such a money transfer, you may encounter certain difficulties, but if you know how to proceed, you will choose the method of transferring money that suits you best.
You will need
Instruction
If you need, or your addressee does not have a bank account, use the services of any money transfer system. To get started, check with the person to whom you are sending, the branches of which money transfer systems are represented in his city. Most often there are Western Union offices, but also abroad, and in Russia, there are Migom and Anelik transfer systems.
Compare rates of transfer systems. This information can be obtained either from their branch or from their websites.
Contact the branch of the fast money transfer system you have chosen, or the branch that works with it. Come , sufficient and , and also with a passport. Fill in the one proposed to you, indicating the last name and first name of the addressee, his place of residence and the amount you want to send. Pay the required amount and in return receive a receipt, which will indicate the number of the money item. Tell this number to the addressee so that he can receive money in his country at the branch for receiving money transfers.
If you know the recipient's bank details, send them money by money transfer. To do this, go to the bank where you have an account. Indicate in the application for which the employee will issue you, the last name and first name of the person or the name of the organization where you are sending money, the name of the bank, the SWIFT code, the addressee's account number. After that, check with the bank employee how much the transfer fee will be. If necessary, replenish your account through the cashier.
In a few days, your recipient will receive the money in their bank account.
note
When making a money transfer, do not forget to specify in what currency the funds should be received on the recipient's account. At the same time, keep in mind that not all foreign banks accept transfers in rubles, so it will be more reliable to send a transfer in the currency of the recipient's state.
Sources:
In the financial services market, there are now many different ways to transfer money to an individual. One of the reliable and time-tested is postal or telegraphic money transfer through the Russian Post.
You will need
Instruction
Fill in the postal transfer form (f.112eyu). To do this, on the front side of the form in the appropriate field, enter the amount to be transferred in numbers. Then write in legible handwriting (preferably in block letters) in words the number of rubles and then kopecks in numbers. The amount in rubles should begin with a capital letter.
On the next line, write the full surname, first name and patronymic of the translation. Further, according to the text of the form, the address of the recipient and index. In the line of the sender, indicate the full surname, name and patronymic of the sender of the money transfer. In the last line, in the "Message" section, indicate the purpose of the payment. This section is optional. Please sign your name.
Fill in the coupon for the postal order on the back of the form. Indicate in it the amount of the transfer, full name and address of the sender. And also, if you want and need, write a message.
The telegraphic transfer form (form 114) is the easiest to fill out. Indicate in it the amount of the transfer in figures, then write in legible handwriting this amount in words. Moreover, indicate in words, and pennies in numbers. Next, write the last name, first name and patronymic of the recipient. His postal code and address. Also, in full, indicate the surname, name and patronymic of the sender of the money transfer. His postal code and address. In the bottom lines, you can write a message for the recipient of the transfer.
Andrey Bryansk 17-04-2014 14:45
The situation is simple.
There is a certain amount that must be transferred to the account of the legal entity. faces.
And it is necessary to do it from a private owner.
The question is the following - the amount is quite immodest. And if I take the bag with the dough to the bank, then they will charge me 3% for the transfer.
If I put it on the card, and throw it from the card to the account of the yurik, then they will take 1% from me.
Which is also a non-sour sum.
In short, can anyone come across such garbage?
What can be done in this situation to minimize the cost of transferring money?
shtoff 17-04-2014 15:31
Open a bank account in Eureka. Make a payment to his account from yours, indicating the basis. In most banks, 10-30 rubles payment for the operation.
Norman D 17-04-2014 15:32
Miracles don't happen.
Andrey Bryansk 17-04-2014 16:08
Originally posted by shtoff:
Open a bank account in Eureka. Make a payment to his account from yours, indicating the basis. In most banks, 10-30 rubles payment for the operation.
The money is on a bank card. Yurik is safe.
transfer -1%.
Then they suggested - to open a deposit in the Home loan. And from there it costs 10 rubles to transfer up to 700,000 via the Internet. If through the operator - 250.
kyk 17-04-2014 18:36
Through IPshnik, deposit the amount to the account, and from there, make a transfer. You pay only for the operation - 20r
Andrey Bryansk 17-04-2014 18:46
Yes, I have both ZAO and LLC and IP and all the good stuff - for the tonsils.
But it is necessary from me as from physical. faces.
The output seems to be as I already wrote - simple. Make a deposit in the same savings account and transfer it to the account you need.
The commission, as they said in Sberbank, is a maximum of 2000 rubles.
I'm not going to delete this thread, in case it's useful to someone.
xAndrey 17-04-2014 19:37
repeatedly transferred “physicist to yuri”, an account with Avangard Bank, for a transfer through an online bank, a commission of 10 rubles. regardless of the amount
F_Andy 18-04-2014 01:23
In many banks, the payment from a physicist to a lawyer is a certain%%, but not more than a certain fixed amount. We have a commission ceiling for the transfer of 1.5 thousand rubles. No hemorrhoids, open a current account for free for individuals. person and make payment from him
SLMA 18-04-2014 07:30
... and dump this chumadan on the table
Excellent DR passed, Andrey!
In many banks, the payment from a physicist to a lawyer is a certain%%, but not more than a certain fixed amount.
Yes, yes, I confirm, for example, transfer at least a trillion in Uralsib, there is a ceiling in the bank commission. Naturally, all this applies to physicists who have opened a bank account.
Andrey Bryansk 18-04-2014 07:42
dadadadaaa….
See how. And so it is possible and commercials and a percentage, but not more than a certain amount.
And then pay me three percent.
I freaked out.
F_Andy 18-04-2014 10:26
Sberbank on commissions is one of the most expensive banks in Russia. If it is possible to withdraw money from there, it is better to make a payment through another bank for a fixed amount. Another question is that if the money is on the Sberbank card, he won’t give it away just like that. Either with some kind of commission, or the withdrawal process will be very long
xAndrey 18-04-2014 11:44
Originally posted by F_Andy:
Sberbank on commissions is one of the most expensive banks in Russia. If it is possible to withdraw money from there, it is better to make a payment through another bank for a fixed amount. Another question is that if the money is on the Sberbank card, he won’t give it away just like that.How to transfer money to the account of a legal entity without interest, or with a minimum interest?
Either with some kind of commission, or the withdrawal process will be very long
if the card is a debit card and withdrawn in “your” region, then there is no interest, there are restrictions on daily withdrawals through an ATM, not through the cashier, but if the card is a credit card, then they don’t give a damn, you withdraw credit funds or personal ones, they charge a percentage for withdrawal! !!
F_Andy 18-04-2014 12:00
Yes exactly. In addition, Sber is probably the only bank that takes a commission for transfers within itself, if counterparties from different regional branches of Sber
ceolos 18-04-2014 13:35
Originally posted by xAndrey:
if the card is debit and withdrawn in “your” region, then there are no interest, there are restrictions on daily withdrawals through an ATM, there are no through the cashier
In our region, Sberbank has set the maximum withdrawal rate at the cash desk at 150,000, with an additional 1% from sums exceeding 150,000 ...
alchemist 18-04-2014 13:45
andryukha zheidofskaya mug)))
F_Andy 18-04-2014 14:27
They take advantage of their position as monopolists. From the point of view of the bank - probably right. From a customer's point of view, you can always find other options. Although he himself started a Sber card for settlements on the Hansa
Andrey Bryansk 19-04-2014 13:14
andryukha zheidofskaya mug)))
BILKO 19-04-2014 17:38
alchemist 20-04-2014 12:50
Originally posted by Andrey Bryansk:
From me a Jew is like a Russian from you.)))
Poured Yasha, or Yosya ...)))
Andrey Bryansk 20-04-2014 09:24
Originally posted by BILKO:
Andrew!And Sberbank and other banks, although there is a commission of 1% of the transfer amount, but it is usually limited to the maximum amount (somewhere in the region of 1500 -2000 r).
Dadadadadadaaaaa...
I'm slowly calling, slowly listening to the forum, slowly clearing up ..
You just need to ask specific questions.
Like, I want to transfer an ohuliard - how much commission money will you take?
And they answer in the phone - 3% but not more than 2000 rubles.
And immediately fun to the soul)))
And it hurts to donate a car for a payment)))
Andrey Bryansk 20-04-2014 09:26
Originally posted by Alchemist:
Poured Yasha, or Yosya ...)))
Aunt Pesya, blah))))
melrik 21-04-2014 12:13
Originally posted by Andrey Bryansk:
Aunt Pesya, blah))))
And a friendly correspondence between Moishe and Geisha began))
Don't bark! 22-04-2014 17:33
Originally posted by Andrey Bryansk:
The ambush is that if I go on foot to the Yurik and dump this chumadan on his table, then he will also have to pay 1% for this amount to be taken from him to the bank account. And he doesn't want to do that.
Suitcase. Railway station. Bracelets. A couple of collectors on the sides. Money on the table.
And the problems of the Indians should fuck the Indians themselves. Not the sheriff.
Home▲▼
To transfer a debt from a legal entity to an individual, it is enough to draw up an agreement on the assignment of rights of claim. It is practically no different from an agreement that is signed when transferring a debt between two legal entities (assignment agreement). For example, this may be required when the director of a company wishes to take over its debts as an individual.
According to Art. 391 of the Civil Code of the Russian Federation, the transfer of debt can be carried out only with the consent of the original and new debtor. An agreement may also be entered into between the creditor and a new debtor who agrees to assume all of the original obligations to the creditor. If the latter has not given such consent, the contract is considered null and void and has no legal force.
Options for obtaining the consent of the creditor:
According to Art. 389 of the Civil Code of the Russian Federation, an agreement on the assignment of a claim (transfer of a debt) is concluded in writing and notarized. The document must indicate:
After the execution of the contract, an individual undertakes to transfer to the creditor all information regarding the fulfillment of obligations.
A current account is a kind of bank account for convenient tracking of cash flows.
The set of operations on the account of a legal entity (and individual entrepreneur) depends on the selected cash settlement package and the capabilities of the bank itself.
You can list the movement of funds on the account as follows (basic operations):
All transfers can be made for various reasons, for example, depositing cash to an IP account from own assets in income is not taken into account and is not taxed, the basis (source of income) is indicated as “Replenishment of working capital”.
And the funds withdrawn from circulation (revenue) are another matter.
In addition, the commission of the bank depends on the type of operation.
The method, as a rule, is characterized by a high commission. Sometimes banks cooperate closely, which contributes to lower or even non-existent fees at certain banks.
Before transferring money to a current account or making a payment / deposit from it, it is best to study the current tariffs in detail, since commissions depend on the type of payments and the method of their technical implementation. So, for example, a bank that initiates a bank transfer from an individual in favor of an individual entrepreneur or LLC may charge its own percentage, and the bank that provides cash services to a current account charges an additional commission for this type of income.
Transferring money from a legal entity to an individual is possible only under the following conditions:
Other items of expenses for the implementation of this operation are not provided for by regulatory legal acts, and, if implemented, will be considered illegal.
A transfer to an individual from a legal entity for the purpose of obtaining a loan or credit is used both for employees of the company and for third-party citizens. When drawing up contractual relations with your own employees, you can operate with unlimited amounts of money.
Loan agreement for an individual to a legal entity with collateral
However, third parties can apply for a loan infrequently and not for large sums of money, otherwise you can attract the attention of regulatory authorities, since in order to obtain the right to lend to citizens who are not employees of the company, a new type of economic activity should be registered in the register and in the statistical authorities.
In order to understand how to transfer money from a legal entity to an individual, you should familiarize yourself with the legislative norms that should justify the conduct of a financial transaction through the execution of an agreement between the participants in the transaction that has a civil law status.
If the company is a VAT payer, then mandatory payments in the form of taxes and deductions to the pension fund are withheld from the amount of services rendered or products supplied, which are transferred to the company's account and included in its expenses.
An employer that is a subject of entrepreneurial activity in the status of a legal entity is obliged to pay wages to employees (individuals). The basis for conducting a financial transaction is a formalized employment contract and the work performed, in accordance with the criteria and requirements of the agreement and job description. The transfer of funds, the purpose of which has the status of a salary, can be implemented to the card accounts of employees.
Interest free loan agreement
The law regulates non-cash transfer from a legal entity to an individual. It determines the counteraction to the laundering of received income and determines the need to control money transfers to the accounts of individuals in situations where their amount exceeds the amount of 600,000 rubles.
The following operations are subject to close attention of bank employees:
Participants in the transaction should take into account that employees are required to report all suspicious activities in the banking sector to the Central Bank. At the same time, a bank that carried out a transfer of money from a legal entity to an individual is prohibited from notifying its customers that information about its transfer was submitted for investigation in order to identify it from a money laundering procedure.
Transfer of funds to an individual from a legal entity is possible only in three cases:
Money transfers for other purposes are not provided for by the legislation of the Russian Federation and are considered illegal.
The transfer of a loan from a legal entity is possible both to an employee of this enterprise and to other individuals. The limit of transfers to its employees is not regulated by regulatory legal acts: an organization can issue any amount.
In the case of third-party citizens, frequent transfers of large sums may cause suspicion among regulatory authorities: only companies that have registered a new type of economic activity in the register and in statistical bodies have the right to lend.
To transfer money to a card as a loan, you need to draw up an appropriate agreement. It should indicate:
Important: the return of the debt is not subject to taxation, however, you need to prove that the money received is just a return, and not income. To do this, when transferring, you need to indicate the purpose of the payment and, if necessary, confirm the operation with documents.
If a transfer to a card to an individual from a legal entity is carried out for the purpose of buying back products or paying for services rendered, then an agreement on the transaction must also be drawn up. In this case, personal income tax is withheld from the recipient and transferred to the budget at a rate of 13%.
If a citizen is in an employment relationship with the company, which is confirmed by a signed employment contract, then the transfer of funds to the card to an individual from a legal entity can be formalized as a payment of wages. Such transfers should also be subject to personal income tax at a rate of 13%.
Important: in the annual declaration, a legal entity must account for all transfers, including to individuals, to bank accounts, and pay income tax. If the enterprise does not do this, then personal income tax is levied on the citizen who receives the money.
After the sending company generates payment registers and sends the transfer order, the bank will start processing the payment. This may take from one to several days, depending on the time at which the documents are submitted and how well they are executed.
All settlement transactions are made during the banking day, which most often ends at 16:00.
Important: the exact time depends on the bank branch, region and currency in which the transfer is made.
The amount of the commission for a transfer to an individual from a legal entity depends on which bank the transfer is made through. The percentage can vary from 0.5 to 10% of the total amount.
Important: the maximum commission amount is not limited
For example, in Sberbank transfer fee is 1.1% of the amount, but not less than 115 rubles per transaction. The commission fee does not apply to the payment of wages, as well as to social and insurance contributions.
AT VTB 24 The commission depends on the amount of the transfer. So, if you send up to 6 million rubles a month, the bank will take 1% of the operation. Transfers above this amount are subject to a 10% commission.
Important: if an enterprise has an agreement with VTB on a salary project, then the transfer of salaries to employees is not subject to commission.
In addition, for any transfer to the card, which the tax authorities can accept as undeclared income of an individual, you need to make 13% deductions.
The bank is obliged to report all suspicious deductions in favor of an individual to the Central Bank or the Federal Tax Service. Upon the fact of the monetary transaction, an audit will be carried out. If it turns out that a citizen received income from a legal entity, but at the same time none of the parties made the relevant mandatory payments, a penalty of 20% of the amount of unpaid taxes.
Important: in such situations, you yourself must prove that the funds received on the card were not income.
If deliberate non-payment of tax is proven, the fine can reach 40% of the unpaid amount. In addition, interest will be charged - 9% per annum.
In cases where legal entities illegally cash out funds by transferring them to cards of ordinary citizens, the enterprise may be held criminally liable, which will entail either a fine of up to 300 thousand rubles or imprisonment for 6 months.
Before transferring money from a legal entity's account to a physical person's card, you need to draw up an agreement that explains the purposes for which this money was transferred. If the agreement does not specify which party should pay the tax, the payment will be collected from the individual (provided that he receives income).
In cases where funds are transferred to pay off a debt, the payment is not taxed, however, relevant documents confirming the issuance of a loan must be provided.
Particular attention from banks and the Federal Tax Service is caused by:
It is worth noting that if banks consider the transactions being carried out suspicious, they are obliged to report them to the Central Bank, while notifying an individual or legal entity of the notification to banks is prohibited.
