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The document ceased to be valid since July 1, 2014 according to Item 12.4 of the Instruction of the Central bank of the Russian Federation of May 30, 2014 No. 153-I

It is registered

Ministry of Justice

Russian Federation

On October 18, 2006 No. 8388

INSTRUCTION OF THE CENTRAL BANK OF RUSSIA

of September 14, 2006 No. 28-I

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

(as amended on 28-08-2012)

Based on the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" (Russian Federation Code, 2002, N 28, Art. 2790; 2003, N 2, Art. 157; 2003, N 52, Art. 5032; 2004, N 27, Art. 2711, N 31, Art. 3233; 2005, Art. N25 2426, N30 of Art. 3101; 2006, N 19, Art. 2061, N 25, Art. 2648), Federal Law "About Banks and Banking Activity" (Sheet of the Congress of People's Deputies of RSFSR and Supreme Council of RSFSR, 1990, N 27, Art. 357; Russian Federation Code, 1996, N 6, Art. 492; 1998, N 31, Art. 3829; 1999, N 28, Art. 3459; N 28, of Art. 3469; 2001, N 26, Art. 2586; N 33, of Art. 3424; 2002, N 12, Art. 1093, 2003, N 27, Art. 2700; N 50, of Art. 4855; Art. N 52, 5033, Art. 5037; 2004, N 27, Art. 2711, N 31, Art. 3233, N 45, Art. 4377; 2005, Art. N1 18, Art. 45, N30 of Art. 3117; 2006, N 6, Art. 636, N 31, Art. 3439), Federal Law "About Counteraction of Legalization (Washing) of Income Gained in the Criminal Way and to Terrorism Financing" (Russian Federation Code, 2001, N 33, Art. 3418; 2002, N 44, Art. 4296; 2002, N 30, Art. 3029; 2004, N 31, Art. 3224; 2006, N 31, the Art. 3446, the Art. 3452), according to part 2 of the Civil code of the Russian Federation (The Russian Federation Code, 1996, N 5, the Art. 410, Art. 411; N 34, of Art. 4025; N 43, of Art. 4903; 1999, N 51, Art. 6228; 2002, N 48, Art. 4737; 2003, N 2, Art. 160, Art. 167, N 13, Art. 1179; 2003, N 46, Art. 4434, N 52, Art. 5034; 2005, N 1, Art. 15, Art. 45, N 13, Art. 1080, N 19, Art. 1752, N30 of Art. 3100; 2006, N 6, the Art. 636) 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 September 13, 2006 N 15) the Bank of Russia establishes procedure for opening and closing in the Russian Federation with credit institutions (branches), divisions of settlement network of the Bank of Russia (further - banks) bank accounts, accounts on deposits (deposits) of legal entities, physical persons, individual entrepreneurs, and also the physical persons who are engaged in the procedure established by the legislation of the Russian Federation in private practice (further - clients) in currency of the Russian Federation and foreign currencies.

This Instruction does not extend much opening and closings of the accounts opened in accordance with the legislation of the Russian Federation about elections and referenda, the accounts opened in the separate divisions of the credit institutions created in accordance with the legislation of the Russian Federation located outside the territory of the Russian Federation and also the accounts opened on other bases other than bank account agreement, contribution (deposit).

Chapter 1. General provisions

1.1. Opening to clients of bank accounts, accounts on contribution (deposit) is made by banks on condition of availability at the client of legal capacity (capacity).

Transactions according to bank accounts, accounts on contribution (deposit) of the corresponding type (the account mode) are regulated by the legislation of the Russian Federation and made in the procedure established by it.

1.2. The basis of opening of the bank account, account on contribution (deposit) is the conclusion of bank account agreement, bank deposit agreement (deposit) and submission of all documents determined by the legislation of the Russian Federation.

Several bank accounts, accounts on contribution (deposit) based on one agreement can be opened for the client if it is provided by the agreement signed between bank and the client. Opening to the client of the bank account, account on contribution (deposit) is made only if the bank receives all documents provided by this Instruction, and also identification of the client in accordance with the legislation of the Russian Federation is carried out.

The list of the documents and data necessary for identification of clients is established by the legislation of the Russian Federation.

To the client it can be refused opening of the bank account, account on contribution (deposit) if the documents confirming the data necessary for identification of the client are not submitted or false information, and also in other cases, stipulated by the legislation is provided to the Russian Federation.

1.3. Opening of the bank account, account on contribution (deposit) comes to the end, and the bank account, the account on contribution (deposit) is open with entering of record about opening of the corresponding personal account into the Book of registration of open accounts.

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 (entry into force) of the corresponding bank account agreement, bank deposit agreement (deposit). The specified record can be made in the Book of registration of open accounts along with the conclusion of the corresponding bank account agreement, bank deposit agreement (deposit).

In case of opening to the client of the bank account, account on contribution (deposit) within one agreement providing possibility of opening of several bank accounts, accounts on contribution (deposit) based on the additional address of the client about opening of the bank account, account on contribution (deposit), record about opening of the corresponding personal account shall be made in the Book of registration of open accounts no later than the working day following behind day of receipt of the address of the client by bank about opening of the bank account, account on contribution (deposit). If the address of the client about opening of the bank account, account on contribution (deposit) contains specifying for certain date of opening of the bank account, account on contribution (deposit), record about opening of the corresponding personal account shall be made in the Book of registration of open accounts no later than the working day following such date, but not earlier than day of receipt of the address of the client by bank about opening of the bank account, account on contribution (deposit). The bank shall have

documentary assurance of receipt of the address of the client about opening of the bank account, account on contribution (deposit) which methods of fixation are determined by bank in bank rules and (or) the agreement.

The basis of closing of the bank account, account on contribution (deposit) is termination of the contract of the bank account, contribution (deposit) according to the procedure, stipulated by the legislation the Russian Federation.

Closing of the bank account, account on contribution (deposit) is performed by entering of record about closing of the corresponding personal account into the Book of registration of open accounts.

Record about closing 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 termination of the corresponding bank account agreement, bank deposit agreement (deposit) if the legislation of the Russian Federation does not establish other.

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