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Ministry of Justice

Russian Federation

On August 18, 2021 No. 64669

INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of June 30, 2021 No. 204-I

About opening, maintaining and closing of bank accounts and accounts on deposits (deposits)

This Instruction based on Item 5 of article 4 of the Federal Law of July 10, 2002 No. 86-FZ "About the Central bank the Russian Federation (Bank of Russia)" (The Russian Federation Code, 2002, No. 28, Art. 2790; 2021, No. 9, the Art. 1467), parts four of article 30 of the Federal law "About Banks and Banking Activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ) (Sheets of the Congress of People's Deputies of RSFSR and the Supreme Council of RSFSR, 1990, No. 27, Art. 357; Russian Federation Code, 1996, No. 6, Art. 492; 2018, No. 1, the Art. 66) and according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of June 25, 2021 No. PSD-13) establish procedure for opening, maintaining and closing in the Russian Federation with credit institutions, the Bank of Russia of bank accounts, accounts on deposits (deposits) in currency of the Russian Federation, foreign currency and precious metals.

Chapter 1. General provisions

1.1. Opening to legal entities, foreign structures without formation of legal entity, to the physical persons, individual entrepreneurs, physical persons who are engaged in the procedure established by the legislation of the Russian Federation in private practice (further in case of joint mentioning - clients), bank accounts, accounts on deposits (deposits) in currency of the Russian Federation, foreign currency and precious metals (further in case of joint mentioning - accounts) shall be made by credit institutions, the Bank of Russia (further in case of joint mentioning - banks) on condition of availability at clients of legal capacity (capacity).

1.2. The basis of opening of the account are the conclusion of the agreement of the account and implementation of identification according to the Federal Law of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing" (The Russian Federation Code, 2001, No. 33, Art. 3418; "The official Internet portal of legal information" (www.pravo.gov.ru), on June 28, 2021).

Several accounts based on one agreement of the account can be opened for the client if it is provided by the agreement signed between bank and the client.

1.3. Opening of the account comes to the end, and the account is open with entering of record about opening of the corresponding personal account into the Book of registration of open accounts which conducting is stipulated in Item 2.1 parts III of appendix to the Provision of the Bank of Russia of February 27, 2017 No. 579-P "About the Chart of accounts of financial accounting for credit institutions and procedure for its application", to No. registered by the Ministry of Justice of the Russian Federation on March 20, 2017 46021, on July 20, 2017 No. 47474, on December 12, 2017 No. 49220, on March 12, 2018 No. 50299, on December 3, 2018 No. 52845, on January 16, 2019 No. 53372, on March 26, 2019 No. 54165, on June 18, 2020 No. 58690, on October 14, 2020 No. 60381, on May 27, 2021 No. 63660 (further - the Provision of the Bank of Russia No. 579-P).

Record about opening of personal account shall be made in the Book of registration of open accounts no later than the working day following behind day of the conclusion (or entries into force) agreements of the account. The specified record can be made in the Book of registration of open accounts along with the conclusion of the agreement of the account.

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