How to find out the current account of a legal entity by TIN? Check your organization's current account online Check your current account online.
Check the key in the bank account number. The procedure for calculating the control key in the personal account number. Functionality for checking the correctness of basic bank details: bank BIC, current account, correspondent account. Before making a payment using the provided details, it will be useful to formally check them using this functionality.
Check the key in the bank account number.
The procedure for calculating the control key.
In order to ensure that your bank details are correct, enter the BIC, current account, correspondent account in the form below and click the “Check!” button.
Theory, fundamentals of banking in Russia.
Whatever the purpose for which you open a bank account in Russia, the three details that you must obtain are the following:
- BIC (bank identification code)- has a length of 9 characters (digits), uniquely identifies the bank (bank branch). It is important to understand the difference between a bank branch (a structure that has its own balance sheet) and an operational office (additional office), which does not have its own balance sheet and is necessarily a subordinate division to a specific bank branch or the bank’s parent organization.
- Current account - has a length of 20 characters (numbers, but there is an exception - on the 6th position for special personal accounts when using a clearing currency there may be the letters "AVSENKMRTH").
- Correspondent account- has a length of 20 characters (digits).
Some examples of bank accounts.
- 40817810308290003357 - Account No. 40817 (categories 1 – 5) “Individuals”. The purpose of the account is to record funds of individuals not related to their business activities. The account is opened in the currency of the Russian Federation or in foreign currency on the basis of a bank account agreement. The account is passive. The credit of the account reflects the amounts deposited in cash; amounts received in favor of an individual by bank transfer from the accounts of legal entities and individuals, deposits (deposits); amounts of loans provided and other receipts of funds provided for by regulations of the Bank of Russia. The debit of the account reflects the amounts received by an individual in cash; amounts transferred by an individual by bank transfer to the accounts of legal entities and individuals, to deposit accounts; amounts aimed at repaying debt on granted loans and other operations provided for by regulations of the Bank of Russia. Analytical accounting is maintained on personal accounts opened for individuals in accordance with bank account agreements. 810 (digits 6 – 8) - account currency rubles (other possible values: 840 - US dollars, 978 - euros, etc.) The key value is 3 (digit 9). Branch number – 0829 (digits 10 – 13). Serial number of personal account: 0003357 (digits 14 – 20)
- 40702810700120005555 - Account No. 407 (categories 1 – 3) “Accounts of non-governmental organizations.” Account No. 40702 (categories 1 – 5) Commercial organizations. 810 (digits 6 – 8) - account currency is rubles. The key value is 7 (bit 9). Branch number – 0012 (digits 10 – 13). Serial number of personal account: 0005555 (digits 14 – 20)
- 40802810208290007777 - Account No. 40802 (categories 1 – 5) “Individuals – individual entrepreneurs.” The purpose of the account is to record the receipt and expenditure of funds by individuals - individual entrepreneurs. The account is passive. The credit of the account records funds from activities carried out by individuals - individual entrepreneurs, the amount of loans received and other receipts of funds provided for by regulations of the Bank of Russia. The debit of the account reflects the amounts of transfers and cash withdrawals. Transactions are reflected in correspondence with cash accounts, customer bank accounts, correspondent accounts, and deposit accounts. In analytical accounting, personal accounts are opened for each individual – individual entrepreneur. 810 (digits 6 – 8) - account currency is rubles. The key value is 2 (bit 9). Branch number – 0829 (digits 10 – 13). Serial number of personal account: 0007777 (digits 14 – 20)
This allows formal checks to ensure that the values are correct. Before making payments or, conversely, providing your bank details to partners for payment in your favor, it is very reasonable to first check the correctness of your bank details using this functionality.
According to paragraph 4 of Article 2 of the Federal Law “On Limited Liability Companies” of February 1998 No. 4, such institutions have the full right to open bank accounts.
In turn, a current account can be created temporarily to allow participants to credit their own share to the existing authorized capital. Immediately after this, financial capital can be distributed to meet any needs, and the account itself is closed.
Despite this, according to paragraph 6 of the Directive of the Central Bank of the Russian Federation dated October 2013 - in one day for each individual agreement, LLC has the right to make settlements of no more than 100 thousand rubles, and without taking into account:
- payment of wages to hired workers;
- various social benefits;
- funds provided to hired staff on account.
Based on this, depending on the amount of financial capital the company has, it may be necessary to open a current bank account in accordance with Article 861 of the Civil Code of the Russian Federation.
What does a current account contain?
Bank current account includes 20 digits(example: 40702810100010000123), which display the following information:
The rules by which accounting and the chart of accounts are carried out are described in the developed Regulations of the Central Bank of the Russian Federation “On the rules for carrying out accounting in institutions whose labor activity is located on the territory of the Russian Federation” dated July 2012.
What details can you find?
In the process of searching on the Internet, everyone has the right to find out information such as:
- the full name of the organization, without any abbreviations, including its organizational form. For example, LLC, OJSC, and so on;
- full legal address where the organization is registered;
- OGRN;
- the time when registration was carried out;
- if, during the period of searching for the necessary information, the institution stopped its work, then you can find out the specific date when the work stopped.
If you need to find out any additional information, you can upload a file containing an extract from the Unified State Register of Legal Entities in pdf format to the official portal of the tax service nalog.ru. By downloading such a document, you will be able to find out information regarding:
- information about the founders;
- spheres of labor activity according to OKVED, and so on.
In practice, such information is rarely needed.
additional information
In the process of searching through the available information regarding the TIN, you can get a starting point for further search.
For example, in many regions of the Russian Federation there are specialized portals on the Internet that provide detailed information on organizations whose activities are carried out in a particular region.
In addition, if you have information regarding the TIN, you can determine which territorial department of the tax service you need to contact to obtain an extract from the Unified State Register of Legal Entities regarding a particular company.
If there is a fact of cooperation or acquisition of any product or service from an organization, appropriate agreements, payment documentation, and so on are always formed.
If you need to find out the current account of an LLC, you can refer to the available documents, which, according to the legislation of the Russian Federation, must contain the details of the parties.
For example, if there is an agreement, it must contain the details of the bank account of the LLC with which it was signed. If there is a payment order, similar information is also displayed in it.
In simple terms, details must be indicated in almost all official documents that can confirm the business relationship between the parties.
Government bodies
All information regarding legal entities is stored in the Federal Tax Inspectorate.
For this reason, if there is a need to search for all the information regarding an LLC, you must contact the territorial department of the tax office or, which is much better, go to the official portal of the Federal Tax Service.
A search through the official portal of the Federal Tax Service allows you to obtain detailed information on the LLC of interest within a minute after the request is generated.
Search instructions
To find the necessary information, it will be enough to have:
- Personal Computer;
- any information regarding the company (only the TIN will be sufficient).
To be able to find all the necessary information about a bank current account, you must:
- Go to the official portal of the tax authority using the link egrul.nalog.ru. After going to the site, the user is taken to a page of information that is displayed based on its entry into the unified state register of the LLC.
- After this, you will need to fill out the search fields and indicate: TIN, OGRN and other information that is known at the time of the search.
- Based on the generated request, all necessary information will be provided
If the official portal does not contain the necessary information on the LLC current account, you must go to the portal www.rekvizitov.net. Here, too, after the transition, it becomes necessary to fill out the search fields.
It is worth paying attention to the fact that the portal www.rekvizitov.net allows you to search not only for current account details, but also to search for other information solely based on the information provided (for example, for the specified current account you can find: the name of the banking institution, legal address and etc). To do this, just click on the “Additional attributes” button and indicate the available information.
If necessary, the user should find information about the OKATO, OKFO and others classifiers; they will need to use the official portal www.classifikator.ru. On this site, it will be enough to select the classifier you are interested in and indicate the available information about the LLC.
To display the information available on the portal, after filling out the fields, just click on the “Search” button located in the corner of the page.
Often there is a need to find the details of a company because it is suspected of some kind of fraud or illegal labor activity. To do this, it will be enough to contact law enforcement agencies.
However, law enforcement officials have every right to refuse to provide such information if the applicant does not have the authority to do so or in the absence of evidence.
If you look from the other side, and the company’s illegal actions are confirmed, they always turn to law enforcement agencies.
Basic methods
Typically, an LLC current account includes 20 digits and begins exclusively with 40702810. Full details are displayed in the agreement in the subsection “Details of the parties.” It also contains information regarding the company’s TIN.
If the details of interest are not available, it will be possible, as noted above, to find out the necessary information via the Internet by going to official portals that provide the ability to search.
There are often situations when LLCs have their own personal website or group on any social network, where you can find out the necessary information, including a bank account number.
And yet, the main way to search for information regarding a current account is considered to be the official portal of the tax service.
What should a claimant do if he does not know the current account of the LLC?
As for the main options for finding bank account details, you need to refer to Federal Law No. 229, which states that every creditor has every right to find bank details using such options as:
- By contacting a financial institution that most likely has an open LLC of interest. Despite the fact that banking institutions do not have the right to provide this kind of information, they can write off the debt from the LLC account in favor of the creditor. After transferring the amount of money, the applicant will become aware of the details.
- Contacting the bailiff service directly, who have the right to recover the amount owed from the debtor.
Based on this, due to the fact that Article 26 of the Federal Law “On Banking Institutions and Their Activities” provides for the storage of bank secrecy, this kind of information can be provided exclusively to their owners and government bodies: courts, the Accounts Chamber, the FSSP, and so on.
How to change organization details in 1C programs - in this video.
How to check a bank account online? This questionmore relevant for individuals. At the same time, sometimes a similar need may arise for an enterprise. Read about ways to do this in our material..
Checking your own accounts through the used RBS system
Checking through RBS is the most logical option for checking a company’s own account if any remote banking system is connected (client bank, Internet bank). To obtain almost complete current information on an account, just log into the service you are using and generate a report on the required account (for example, a statement).
Checking counterparty bank accounts
Sometimes there is a need to obtain additional information on the account(s) of a counterparty. For example, if an agreement is concluded with a new counterparty or the counterparty unexpectedly changes bank details. In order to avoid various controversial issues with banking and tax structures that working with a problematic partner may entail, it will be useful to collect some information about the latter.
How to check a bank account via the Internet for a counterparty?
Using online resources, in particular, you can find out:
- Is the account provided by the counterparty blocked by the Federal Tax Service? This can be done using the special Federal Tax Service service service.nalog.ru/bi.do. To obtain information, information about the counterparty’s TIN and BIC of its bank is sufficient.
- Are there any other restrictions that apply to a specific account? Not all banks yet provide the opportunity to find out, but some already have a similar service. For example, you can clarify information about a Sberbank client account on the website http://www.sberbank.ru/ru/about/today/requisites/invoice_check. Here, in addition to client information, you will need another 20-digit account number.
Nuances of checking counterparties via the Internet
It should be borne in mind that the information obtained using the above methods will not be complete. Some information is not within the jurisdiction of the Federal Tax Service, and banks are not required to provide such information. For example, if your counterparty is on the banking “black lists” (according to the criteria of the law dated 08/07/2001 No. 115-FZ), you will most likely find out about this only at the moment when you begin to have problems making payments for settlements with this counterparty. You just won't get this information via the Internet.
Much more detailed information for partner analysis can be obtained by collecting information simultaneously in several areas. For example, by supplementing data on bank accounts with publicly available information from the Unified State Register of Legal Entities.
In addition, there are special resources on the Internet where you can check a company and obtain a fairly accurate “trustworthiness rating.” At the same time, for such checks, both the information presented above and existing online reviews of those who have already dealt with the inspected counterparty will be summarized. Thus, you have a choice - look for information yourself and then draw conclusions, or get a ready-made systemic assessment through an Internet resource.
Results
You can check your own bank account using remote banking systems. The available options for checking a counterparty's bank account allow one to obtain a limited set of information. However, this information may not be enough to conduct a complete analysis of the partner company.
Validation and verification of the control number of the current account/correspondent account. Bank code (BIC), Branch, Account number and Control key.
| 408 | 02 | 810 | 0 | 6458 | 000000 |
| 1 | 2 | 3 | 4 | 5 | 6 |
First order balance account number
For example, 408 is “Other accounts”
Second order balance account number
For example, 40802 is “Individuals - individual entrepreneurs”
Currency code according to the All-Russian Currency Classifier (OKV)
For example, 810 is "Russian ruble RUB"
Check digit
Calculated using a special algorithm
Bank division code
Internal number of bank branches, not related to BIC (bank identification code)
Internal number of the client's personal account at the bank
A unique record within a bank division
Validation and verification of the control number in the current account
Let's start by figuring out why we need to check the correctness of the current account and BIC at all. First of all, the use of such systems allows you to avoid errors that may be made when entering bank details. Additionally, if you are missing some characters, or you cannot be sure that a particular character is correct, you can use checking account validation to restore the missing digits in your bank details.
It is worth noting that account verification is based on the principle of using the so-called “protective key”, which is a special symbol located in the 9th position of the 20-digit bank account number. Initially, this key was created to verify the correctness of a manually entered bank account number. Please note that this key does not allow us to speak with 100% certainty about the existence of the entered account number, indicating only that its number is correct. However, such verification is the first link in a multi-level system for verifying the correctness of the bank account number.
Please note that both to check the current and to check the correspondent account you must use the BIC. In the first case, you need to use the 7, 8 and 9 digits of the BIC, and in the second - 5 and 6. In other words, every time you run a check of bank details, the account numbers and BIC are considered as a whole, and not as separate elements. Please note that the first four digits are not used during this check and do not affect the correctness of the current or correspondent account number. In order to start checking, you need to indicate the BIC, the length of which is 9 characters, as well as the numbers of the current and correspondent accounts, each of which includes 20 characters. If you do not know one of the BIC digits or account numbers, you can use the “-” symbol, which allows you to restore a lost or unknown symbol.
If you do not know the 7th, 8th or 9th digit of the BIC, use the check using the current account number. If you want to find the 5th or 6th digit of the BIC, search by correspondent account number.
Please note that you can only find one unknown number in the BIC or checking and bank account numbers. Thus, we can safely say that using a system for checking the correctness of bank details allows you not only to make sure that the funds you sent will be delivered to the recipient, but also to restore missing or lost elements of bank details. This can be extremely useful even if the information has been damaged or is not displayed clearly. In addition, having the current account and correspondent account numbers, you can restore the two missing digits in the BIC code. Please note that each of the provided bank details is required for the correct processing and processing of your payment. The absence of any of the specified details will be grounds for refusal to carry out your transaction by the financial institution.
Almost every organization has a current account. It makes it much easier to carry out most financial transactions. But there are authorities whose powers include suspending these operations by seizing the account. Therefore, it is important to know where and how to check your current account for blocking.
In what cases is an account blocked?
And only after these payments should repayment be made in favor of the tax office. Therefore, the bank is obliged to make transfers for all the above exceptions. In this case, it does not matter at all whether the account is seized or not.
Guided by the legislation of the Russian Federation, the tax inspectorate has the right to suspend the account for a number of reasons. The main thing is that all actions take place within the framework of the law. Therefore, it is very important to know the rules and clarify the reason if such a harsh measure is applied to you.
What if the account is already frozen?
Have you decided to check whether your organization's current account has been blocked by the tax office, but don't know how? The official website of the Federal Tax Service has all the information on this issue. You will need to select the “System for informing banks about the status of processing electronic documents” tab. Next, follow the link “Request for valid suspension decisions.” You will be asked to enter your company information. It is necessary to indicate the taxpayer's INN and BIC of the servicing bank. Next, to check that you are making the request and not a robot, the computer will ask you to enter the numbers from the picture. You need to complete the procedure by clicking on the “Send request” button.
To check information online, you can use the official tool on the Federal Tax Service website.
After submitting an online application to block your current account, a response is generated and sent to you electronically. Everything is indicated in the letter. The answer should be examined with particular care for errors or inaccuracies. False data is grounds for appealing the decision.
Information about blocked current accounts must accurately reflect the following:
- All deadlines, including the date when the account was blocked, as well as the period of overdue payment.
- The specified amount of non-payment.
- Signing a document with the stamp of the tax authority.
- A link to a request for collection or suspension of an account.
After checking the current account on the website and making sure that some data is presented incorrectly, challenge the decision. If this cannot be done by the tax service, you can safely go to court. Remember, since you received a demand for non-payment, it means that the tax service is already hinting at a possible arrest. But if you have not yet paid the debt on time and received a decision to suspend operations on the account, know that the tax office, first of all, sends the decision to the bank. Therefore, you can find out about a frozen account after the transaction has been completed.
Working on bugs
Did you check for blocking of your current account and get a positive result? Dont be upset! Believe me, a seized account is a headache for all taxpayers. After all, frozen money does not work, which means it is impossible to make payments to partners and clients. Therefore, the director of any company who finds himself in such a situation is interested as quickly as possible.
To do this, you need to perform a few simple steps. First, you need to submit a personal income tax return or calculation. Secondly, you must sign a receipt for accepting the claim. You must acknowledge receipt of the request and then notify the tax office.
Thirdly, you need to send a request to unblock the erroneously seized amount, if any. It is unfair if the tax service froze an amount greater than the amount of arrears. In this case, the taxpayer has the right to demand compensation due to him. And the tax office is obliged to reimburse it.
Well, fourthly, it is necessary to pay off the debt itself. Make sure there are enough funds in your account to complete this procedure. Do not pay the debt separately. Otherwise, the bank may duplicate the operation and write off the same amount from your account. This will lead to unnecessary loss of time to eliminate the misunderstanding that has arisen.
After all the conditions are met, you are on your way to the tax office. You must notify its employees that any violations have been corrected. The arrest from the account will be removed one day after all actions have been completed.
It’s easy to find out whether an organization’s account is blocked. It is much more difficult to solve the unlocking problem. After all, it is the speed at which all obstacles are removed that determines how quickly the company will resume its normal operating mode. The best way to avoid getting into trouble is prevention. Therefore, constantly check whether the accountant submits all reports on time. Then you won't have to download the IRS website to find out whether your account has been seized or not.