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When opening several deposits, it is easy to get confused about which account is in which and how much money is. Sberbank offers a search service for all accounts registered in the name of the depositor. The search for accounts in Sberbank is carried out on deposits, compulsory medical insurance and savings accounts, and plastic cards. Submitting an application is free, after providing your full name and place of registration of the contract.
As a rule, information can be obtained instantly if the client has not contacted another branch and has not changed personal data. The bank provides a statement with a maximum period of 30 days, although you will have to wait a month only in case of force majeure or other difficult conditions.
Terms of use of the service
To leave an application to search for accounts at Sberbank, the client does not have to be the owner of the account - it is possible to accept applications from close relatives, guardians, and officials. Client account statements can be obtained by:
- Owner, presenting a passport.
- The heir must present a death certificate of the owner.
- Legal representative of the owner or heir, with a document confirming the right to represent rights and a death certificate of the owner in the second case.
- An authorized representative, with a passport and a notarized power of attorney.
You can receive an official statement using the Sberbank Online system, by Russian Post or by email.
Procedure for making a request
How to request a search for accounts in Sberbank? You need to go to the nearest branch with your passport and other documents if necessary. The simplest algorithm of actions looks like this:
- draw up a UDBO, also known as a “universal service agreement”;
- receive authentication keys (login and password) for your personal account;
- go to the website or through the mobile application.
When searching for accounts, you can view current information and transactions on all accounts at any time, as well as carry out transactions and money transfers.
Features of searching for accounts without using a bank client
If you need to receive a statement directly at the office, without using a client bank, you will have to fill out a search application. Below is a sample application to search for accounts in Sberbank. You can fill it out in advance by printing the form.
We remind you that when changing your name (for example, after marriage), you must provide information to the bank in advance, otherwise the verification and issuance of account statements may take up to a calendar month. If the documents were not provided in advance, then in the column “Please carry out a search for the name...” you must indicate the old full name, you will also need a document about a change of name or a marriage certificate.
A search application can be submitted at any of the Sberbank branches, but processing will be carried out most quickly at the branch in which the depositor entered into an agreement. When searching, it is not necessary to indicate the specific branches in which the deposits were made: the localities/cities where the accounts were opened are sufficient.
FAQ
Are closed accounts searched?
Yes, statements are provided for both active and closed accounts for a period of no more than 10 years from the date of application.
It takes too long to process the application, why?
The term is affected by the number and age of deposits, features (for example, repeated changes of the last name by the depositor), and the accuracy of the data provided by the applicant. In any case, the processing time for the request cannot exceed one month.
I need to find an account that falls under compensation payments, is this possible?
Who else can access deposit statements?
According to the federal law on bank secrecy, information about the deposits of a citizen other than himself, legal representatives and heirs in the event of death is available to courts, bailiffs, organizations of compulsory deposit insurance in the event of an insured event, as well as investigative authorities and consulates when making a request.
If you have several deposits in one bank, it is easy to get confused and figure out what amount is present in each of them. To use the service that involves searching for accounts, you must come to a branch of a financial institution and write an application indicating your passport details and the place where the agreement was drawn up. Submitting an application does not incur additional costs and involves searching for card and savings accounts, as well as compulsory medical insurance.
Information is provided to the client instantly if he has not changed his personal data and has not contacted another financial institution. The maximum period for issuing an extract may take up to 30 days, and this is only in case of difficult circumstances.
Conditions for using the service
You do not have to be an account holder to submit an application. Relatives, guardians or persons with appropriate authority are allowed to carry out the procedure. The full list includes:
- Owner presenting identification.
- The heir who has the death certificate of the investor.
- The person who receives the notarized document.
- Representative of the heir or owner of the deposit with a paper confirming his rights.
The official statement is issued through Sberbank Online, by email or by Russian Post.
Procedure
To request an account search, you must go to one of the bank branches with your original passport and:
- Draw up a universal service agreement.
- Get a login and password for your account.
- Access the Sberbank website through a mobile application or other device with Internet access.
Searching for accounts can be combined with viewing current information on deposits, money transfers and other transactions.
How to find an account without involving a client bank?
If the client decides to receive a statement at the office, he needs to fill out an application, a sample of which is provided on the website of the financial institution. If personal data changes, for example, changing to a different surname after marriage, you must inform the bank in advance. Carelessness can delay the process for up to 30 days. In this case, when filling out the application form, indicate your previous data in the full name column and attach a marriage certificate or other document.
An application to search for accounts can be accepted at any branch of Sberbank, but the process will be faster if you use the services of the office where the deposits were made. It is not necessary to report the branches where the accounts were opened; it is enough to indicate the locality.
Questions that clients ask most often
Do bank employees conduct searches for already closed accounts?
An extract is issued if the account was canceled no more than 10 years ago.
What is the reason for the long processing of the application?
The terms depend on the duration and number of deposits, as well as on how many times the client has changed personal data. In any case, the application is processed for no more than one month.
Is it possible to find an account that is eligible for compensation payments?
Who, besides the heirs, has the right to receive an extract?
Information about the deposits of citizens of the Russian Federation, according to the current law, may be required by representatives of the depositor or heir, bailiffs, courts, organizations guaranteeing the safety of deposits, investigative authorities and consulates.
questions and answers Sberbank of RussiaQuestion: I had the following situation - when transferring funds through the Sberbank Online@ain system, I indicated the recipient of the payment incorrectly, all other details were correct. Three days later I find out that the funds did not reach the recipient and fell into the category of unknown. I urgently contact the Sberbank branch with a request to change the payment recipient. I am asked to fill out an application for search/refund/transfer of payment. I am writing a statement in which I request that the payment be transferred with the recipient field changed. A month passes - the money has not returned either to my account or to the recipient of the payment. Here is the official response from Sberbank: Based on your application, an audit was carried out, as a result of which it was established that the bank fulfilled its obligations regarding the transfer generated in the Sberbank Online@ain system on November 19, 2012, according to the details you specified. Additionally, we inform you that the bank is not responsible in cases of unjustified or erroneous transfer of funds by the client to recipients through the Sberbank Online@ain system.
The questions are:
Answer: The legal consequences of the bank’s actions must be determined and given by the court, in accordance with banking legislation and the service agreement concluded between you and the bank. I can only comment on certain aspects of the translation and the deviations from the rules.
Question 1:
Let me start with the fact that you issued an order for the transfer of funds through the " " system and, when completing the transfer, you yourself made mistakes in the recipient's details. Is the bank to blame for this? Of course not. Moreover, the transfer of funds through the OnL@ain system is carried out automatically, so the bank wrote off funds from your account and tried to credit them using the details you specified. But since the recipient’s details did not match any of the bank’s client details, the recipient’s bank credited the transfer to the transit account “until its fate is clarified.” In this situation, the sending bank “formally” complied with your order - it wrote off the funds from the account and tried to credit them to the account you specified. But the fact that the funds were not credited to the specified account is your fault, since the bank indicated non-existent details in the order. I say “formally” because who the recipient’s bank is (a branch of your bank, another branch of your bank, or another bank) will also play a certain role here.Now let’s talk about what the regulations say about confirming the execution of an order to a client...
Articles 4.6 and 4.9 of the Regulations of the Central Bank of the Russian Federation dated June 19, 2012 N 383-P “On the rules for transferring funds” state the following:
4.6 Execution of an order electronically for the purpose of transferring funds to a bank account is confirmed by:
- by the payer’s bank by sending the payer a notice in electronic form about the debiting of funds from the payer’s bank account indicating the details of the executed order or by sending the executed order in electronic form indicating the execution date.In this case, the specified notice from the payer’s bank can simultaneously confirm the acceptance for execution of the order in electronic form and its execution;
- by the bank of the recipient of funds by sending a notice to the recipient of funds about the crediting of funds to the bank account of the recipient of funds indicating the details of the executed order or by sending an executed order indicating the execution date.
4.9. The execution of the client's order when carrying out a transaction using an electronic means of payment is confirmed by the credit institution by sending to the client, in the manner established by the agreement, a notice to the credit organization in electronic form or on paper, confirming the execution of the transaction using an electronic means of payment, which must indicate:
- name or other details of the credit institution;
- number, code and (or) other identifier of the electronic means of payment;
- type of operation;
- Date of operation;
- transaction amount;
- the amount of commission if it is charged;
- device identifier when used to carry out an operation using an electronic means of payment.
Taking these standards into account, your bank responded to your claim! And the bank is again purely “formally” right here.
Question 2:
I don’t know what conditions for making cash payments are specified in the account servicing agreement, but the bank is at fault for not fulfilling the statement you wrote about searching/returning/transferring the payment. Based on your application, the sending bank was obliged to obtain a response from the recipient bank about the fate of your payment and notify you about this, taking into account the following points of the Regulations of the Central Bank of the Russian Federation dated June 19, 2012 N 383-P:2.16 The procedure for performing the procedures for recall and return (cancellation) of orders is established by the bank taking into account the requirements of paragraphs 2.14 and 2.15 of these Regulations.
2.14. The order can be revoked before the funds transfer becomes irrevocable. ...
2.15. The return (cancellation) of unexecuted orders is carried out by the bank no later than the business day following the day on which the basis for the return (cancellation) of the order arose, including the receipt of an application for revocation.
Theoretically, a payment with an error in the details can be credited to the account of another client if the recipient’s bank contains a client with such details. The bank should have verified whether the funds were credited and to whom they were credited. And if they are not enrolled, then revoke the order. In this situation, there is also your “partial” fault, since after the expiration of the due date for the execution of the completed application, there should have been an official complaint to the bank for violation of the procedure and deadline for processing your application, or at least daily monitoring of the fate of the application.
Question 3:
If the funds are not credited to the client’s account, then yes, the client’s funds may be in some transit bank account and, naturally, are used by the recipient’s bank as their own resources. And it’s good that the transfer went to the account “pending clarification,” because the irrevocability of the funds transfer under clause 2.14 has not yet occurred and the money can be returned. But without the client’s orders or without his statements, the sender’s bank cannot carry out any operations, and will not, since it is not responsible for crediting funds to clients’ accounts at the recipient’s bank (branch).Paragraph 5 of paragraph 2.14 states this as follows:
The application for revocation serves as the basis for the bank to return (cancel) the order.
The procedure for correcting the details of the recipient of funds in an already sent transfer is most likely stipulated in the agreements between the client and the bank, since the procedure for redirecting (correcting details) in an already sent payment is not prescribed by the Regulation of the Central Bank of the Russian Federation of June 19, 2012 N 383-P. Therefore, in such a situation, it is best to revoke the transfer, wait for the funds to be returned (credited) to the account, and only then re-issue the transfer using the specified details.
Question 4:
Of course, you can make a claim to the bank for unjustified withholding of funds and receive compensation for the damage caused, but to do this you need to complete the entire claim procedure with the bank, for which you must have the following documents:- Response to a request that the funds transfer was not credited according to the details that you provided at the time of registering the funds transfer through the Sberbank Online@ain system.
- Your copy of the application for search/return/transfer of payment (with changes in details) is duly certified by the responsible employee of the bank (date, signature, seal)
- Printout of a copy of the order issued through the Sberbank Online@ain system.
- Confirmation from the recipient partner about the details for the transfer, or an agreement with the specified details
Online transfers in Internet banks are quite convenient. They can be done at any time needed, without wasting time going to the bank office. To make a payment, it is enough to have a current account or card from which the debit will be made, and also to know all the details of the recipient of the funds.
If the recipient is serviced by the same bank, then it is enough to indicate his account for receipt. If the recipient's account is in another bank, then you will have to fill in all the data: BIC, INN, KPP, correspondent account, account, name of the bank and recipient. If you make a mistake, even in one digit, the money may not arrive or may be stuck in your accounts until it is clarified. This will require a subsequent contact with the bank to adjust the payment.
Sending transfers via Internet banking.
Why did the payment not reach the recipient?
In case of errors or technical failures, payments may not reach their addressee. There may be several reasons for this:
- The details are incorrect. Payment information should be double-checked several times to avoid errors. The lack of even one digit entails difficulties in correctly delivering the translation. In most cases, a payment sent using incorrect details is returned to the sender, and in the transaction history the payment status will appear as “Not executed” or “Returned”. Sometimes the money is returned not to the account from which the transfer would have been made, but to the “On demand” account or to the “Unidentified amounts”. In this case, bank employees contact the client and ask to make adjustments to the payment or return the money to the account. Money can also get stuck in the recipient bank's accounts. For example, the details of the account and its owner do not match. In this case, the amount will be sent to the sending bank, or the money will “hang” until a request is received about the fate of the payment.
- The technical error. Unfortunately, banking programs are still far from perfect and tend to freeze at the wrong moment. For example, at the time of sending the system crashed, and the money simply went to the wrong place or ended up in another bank account. Technical glitches are short-lived and usually everything is fixed fairly quickly. If the payment has not been received and the money has been debited from the sender’s account, then you need to write an application to search for the payment.
- There is not enough money to send. This happens when the sender has not calculated the amount taking into account the commission. Most often, this becomes clear at the sending stage, and the system displays an error that there are not enough funds to complete the transfer.
Thus, when sending a transfer, it is worth monitoring the payment history and waiting for the transfer status to change to “Executed”. If the money has left the account but has not reached the recipient, then you should start looking for it. 
When should you worry about payment non-delivery?
The transfer delivery time depends on many factors: which bank the money is sent to, in what currency, what amount, etc. If the payment amount exceeds 600 tr, then under 115-FZ the bank has the right to demand documents on the basis of which this payment is made, for example, a purchase and sale or gift agreement. Until these documents are provided, payment may be blocked.
Transfers within the bank take place within one day. Exception: payments made late may be processed the next day. Transfers outside the bank take longer (up to 3-5 business days). This depends on the speed at which money is credited to interbank accounts. For example, if a payment is made late on Friday evening, it may not be processed until Monday morning. As a result, the translation delivery time extends to a week.
Thus, if the transfer was not delivered within the bank within 1-2 days, and via interbank within 3 business days, then you should start looking for where it went.
How to look for a lost payment?
To search for a lost payment, you will need to write an application to the bank, indicating the date, amounts, and data for sending. Based on the application, the bank will begin to look for the missing payment first in its accounts, and then will make a request to the receiving bank. The sender can independently contact the bank where the payment was made and clarify whether it was received into the accounts at all. If the payment is really “stuck” on uncleared accounts, then you will need to make an official request and write an application to adjust the payment.
You can also submit a payment request via the hotline. The support service staff will forward the request to the responsible department for the execution of the client’s request.
To avoid confusion, the search steps will be as follows:
- When you receive a message from the recipient that the transfer has not arrived, you need to come to the bank and submit an application to search for payment (if employees are unwilling to accept this application, it is worth recalling clause 2.14 of the 383-Regulations).
- No later than 24 hours, the bank is obliged to send a notification about the possibility or impossibility of withdrawing the payment and affix a stamp on the application to accept the application for processing.
- If the transfer is “successful”, then the bank gives a written response that the money has been debited from its accounts. But if the transfer does not reach the recipient, then the bank must contact its counterparty and make a request about the receipt or non-receipt of money into the account. If the money is credited to the specified account correctly, then the recipient of the funds is “cunning”, and if the transfer was actually not credited using the specified details, then the bank is obliged to find the transfer and return the money to the sender’s account.
How long does it take for the transfer to be returned?
If the money has not been transferred to another bank, the amount is credited back to the client’s account within 1-3 business days. If the amount is transferred to accounts for clarification, then taking into account interbank requests, the return period may extend to a month. This is especially true for transfers abroad.
True, not all errors in the payment can be corrected in this way.
Errors that cannot be corrected by clarifying the payment
Critical errors in a payment order include incorrect instructions (clause 4, clause 4, article 45 of the Tax Code of the Russian Federation):
- Federal Treasury account numbers;
- name of the recipient's bank.
If you make a mistake in these details, the obligation to pay the tax/contribution will be considered unfulfilled. Accordingly, you will have to re-transmit the amount of tax/contribution to the budget, as well as pay penalties (Article 75 of the Tax Code of the Russian Federation).
Non-critical errors in payment orders
All other errors in the payment order (for example, indicating an incorrect BCC (Letter of the Ministry of Finance dated January 19, 2017 N/1/2145)) do not lead to the fact that the payer’s obligation to pay the tax/contribution is recognized as unfulfilled, and this error can be corrected by clarifying the payment .
Application for clarification of payment to the tax office
The form for clarifying tax payments is not approved by law. Such an application is submitted in any form. It makes sense to indicate:
- information about the payment order in which the error was made (date, payment order number, payment amount and name of the tax/contribution);
- information about the details you want to clarify, indicating the correct data.
Attach a copy of the payment slip you want to clarify to your application for payment clarification.
Clarification of tax payments: actions of the Federal Tax Service
Having received your application, tax authorities may offer to reconcile payments (Clause 7, Article 45 of the Tax Code of the Russian Federation). True, this is not necessary.
The Federal Tax Service must inform you of the decision made on your application for clarification of payment within 5 working days after such a decision is made.
Free legal advice:
If the decision is positive, and before it is made you are charged penalties, they will be reversed (Clause 7, Article 45 of the Tax Code of the Russian Federation).
Tax payment clarification: sample
An application for clarification of payment to the tax office may look like this:
To the Head of the Federal Tax Service of Russia No. 14 for Moscow
125284, Moscow, 2nd Botkinsky Prospect, 8, building 1
Free legal advice:
125040, Moscow, Leningradsky Prospekt, 37
Contact person: chief accountant
Landysheva Elena Gennadievna
Application for clarification of payment due to an error
LLC "Mart" in connection with the discovery of an error in the payment order for the transfer of personal income tax dated March 10, 2017 No. 214 in the amount of rubles. on the basis of clause 7 of Art. 45 of the Tax Code of the Russian Federation requests clarification of the following details:
Free legal advice:
In addition, we ask you to recalculate the penalties accrued for the period from the date of actual payment of the tax to the budget system of the Russian Federation until the day the decision was made to clarify the payment.
A copy of the payment order dated March 10, 2017 No. 214 on 1 sheet is attached.
General Director ______Tulpanov__________ V.A. Tulips
Application for search / return / transfer of payment
STATEMENT
Free legal advice:
Please find the payments made by me, ___________________________________
□ to personal account No.
Client’s signature ____________________ “____”______________20___
Accepted the application, verified the identity of the owner, verified passport details
According to the Moscow Regional Police Department, in 2006, 972 minors were on the local and federal wanted list, of which 66 left.
Free legal advice:
INN of the payee) (account number of the payee) to the opera of the Moscow GTU Bank of Russia
Civil Code. According to the provisions of this article, in the third place, funds are written off to pay taxes and contributions.
Crediting is the Operator’s action to record funds provided by the Counterparty in favor of the Client in the form of an electronic balance.
When returning goods, you must fill out and attach to the goods being sent a Certificate of Return of Commodity and Materials (can be downloaded in the dealer section).
Type of payment: Payment of personal income tax in the form of a fixed advance payment for 1 month**
Free legal advice:
These are forms of decisions on offset and return of said amounts, messages about the adoption of these decisions, applications for return (offset)
Application for the return of an overpaid (collected) amount of state duty in cases considered in courts, as well as in settlements.
12.1 1.12 Two special statements for companies in the new Moscow
Many regional companies, which were transferred to new Moscow on July 1, 2012, mistakenly paid taxes to their previous inspections, although they were already registered with the Federal Tax Service No. 51. Companies cannot return these amounts from the old inspection, since they have already been withdrawn from accounting, therefore, to search for taxes, you need to submit a special application to Inspectorate No. 51.
As we found out, Inspectorate No. 51 proposes this procedure. For erroneously paid taxes, you must submit a request for payment to the Federal Tax Service. The application is written in free form addressed to the head of inspection No. 51 (see sample 1). Copies of invoices and bank statements must be attached to the letter.
Free legal advice:
Sample 1. Application to the 51st Inspectorate for the refund of erroneous taxes
In the application, you must also write the tax, in the personal account card for which you need to enter the erroneously transferred amounts. If this is not done, then inspectors may credit the payment against arrears on other taxes, if the company has any.
Since 2013, companies that have branches in the new Moscow have the right to pay income tax through the head office or any other office in the capital. To do this, before December 31, 2012, two notifications about the transition to a centralized procedure for calculating income tax must be sent to the inspectorate at the place of registration of all offices (clause 2 of Article 288 of the Tax Code of the Russian Federation).
The notification forms are given in the letter of the Federal Tax Service of Russia dated December 30, 2008 No. ШС-6-3/986. Notification No. 1 of the company is sent to the inspectorate at the place of registration of the responsible separate division (see sample 2). It must list offices located in Moscow that will not pay tax. The responsible department is written into the table first, followed by the others. In addition, point 1 should be marked with a “V” - making a decision to pay tax through the responsible unit. Tax officials recommend sending a copy of notice No. 1 to the Federal Tax Service where the head office is registered. Notifications No. 2 must be sent to those tax authorities in which separate divisions are registered, through which the company will not pay tax.
Sample 2. Application for a new procedure for calculating income tax
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Tax officials explained that it is unacceptable to make entries about the unreliability of information contained in the Unified State Register of Legal Entities in relation to legal entities that are subject to a special state registration procedure. Including in relation to non-profit organizations that are subject to this procedure (letter of the Federal Tax Service of Russia dated December 28, 2017 No. GD-4-14/26803@).
The Federal Tax Service has allowed an increase in the number of countries with which Russia will exchange information about bank accounts starting from 2018.
Financiers explained that if inter-budgetary distribution of amounts of property tax of organizations in a subject of the Federation is not provided for and the taxpayer’s obligation to pay this tax in relation to an object of real estate to the appropriate account of the Federal Treasury is fulfilled on time at the location of the organization, then the excessively accrued amounts Tax penalties at the location of the real estate property are subject to recalculation.
Free legal advice:
Deputies of the regional council reduced the tax rate for several categories of businesses that use a simplified system with the object of taxation “income”, from six to three percent. In particular, for enterprises working in the field of computer technology.
Tax consulting. Search for payment.
Payment order
When transferring taxes and insurance premiums, payment slips must indicate the fifth priority, not the third. Letter of the Ministry of Finance of Russia dated January 20, 2014 No./1603.
The order of payments is determined on the basis of Article 855 of the Civil Code of the Russian Federation.
Specialists from the Russian Ministry of Finance noted that an error in the order is not a reason for a bank to refuse to accept a payment.
Free legal advice:
Tax consultation: Topic: Errors in payment orders. Payment clarification.
If you notice typos when executing a payment order and the bank is still processing your payment, then just send a letter (via Internet Banking) or bring it in person (on request) to the operations department with a request to clarify the details, and your issue will be resolved.
In what cases has the payment already been executed, and what needs to be done to clarify the payment?
Errors in tax payments
Within ten days, the inspectorate at the place of registration or business activity or the fund will make a decision to clarify the payment. (letter of the Ministry of Finance of Russia dated July 31, 2008 No./1-324) according to the following details: Payer status, INN, KPP of the recipient, KBK when paying tax, OKATO, basis for payment, tax period, type of payment - In cases where the matter concerns local taxes.
If typos were made when transferring the insurance premium, you must submit an application in the form specified in the letter dated April 6, 2011 No. TM-30-25/3445.
For personal income tax or UTII, you must pay the tax again using the correct details and submit a refund application to the inspectorate at the place of registration or business activity, attaching a copy of the payment order with an error.
The account or name of the payee's bank was incorrectly indicated
If there is an error in specifying the current account of the Federal Treasury and the recipient's bank. You must pay the tax again.
Free legal advice:
And the money transferred with an error should be returned by writing an application to the tax office at the place of registration or business activity or to the fund branch, attaching to the application a copy of the order with an error with a bank mark.
They set the KBK of another tax, fee, penalty, fine
Submit an application to the inspectorate at the place of registration or business activity with a request to clarify the erroneous BCC. (letter of the Ministry of Finance of Russia dated March 29, 2012 No./31.)
Search for payment in settlements with counterparties
Let's say you accidentally sent a payment by making a typo in the recipient's checking account. Thus, your money went to an unknown company without any reason.
You have written a letter requesting a refund of an erroneous payment. But the recipient company is in no hurry to return the money. It is necessary to issue a letter to the counterparty for a refund of money to his address specified in the Unified State Register of Legal Entities, or the Unified State Register of Individual Entrepreneurs (indicating the basis under paragraph 1 of Article 1102 of the Civil Code of the Russian Federation and subsequently file a claim in court.).
Formulating the purpose of payment
You should write a letter about the error to the recipient. And ask him to consider the other payment purpose as correct. Having received a confirmation of receipt of the letter from the counterparty, attach it to the erroneous payment slip.
Free legal advice:
If you are in a special regime and you receive a payment with allocated VAT, you need to transfer the tax to the budget. To correct the error, send a clarifying letter to the bank.
If you need to change the purpose of the payment. For example, you made an advance payment to the supplier for the goods, but indicated that this transfer was under a loan agreement. It is necessary to notify the banks of the recipient and sender of the means of payment (resolutions of the Federal Antimonopoly Service of the Moscow District dated May 5, 2010 No. KA-A40/, FAS Volgo-Vyatka District dated August 27, 2010 No. A/2009).
Information on the procedure for specifying a unique accrual identifier (UIN) in orders for the transfer of funds for payment of payments administered by tax authorities is posted on the website of the Federal Tax Service www.nalog.ru in the section Taxation in the Russian Federation / Submission of tax and accounting reports / Details for filling out reports and settlement documents / Procedure for specifying a unique accrual identifier (UIN).”
Changing the payment recipient details
The recipient's bank will keep the money as part of the undisclosed amounts. Over the next five working days, bank employees will verify the correctness of the details. In this way, the bank prevents money from being mistakenly transferred to the account of a third-party company.
To help send money to the desired recipient's account, write a letter to your bank to clarify the details. It will forward your message to the recipient's bank. You don't have to do this.
Free legal advice:
But then on the sixth working day the erroneous payment will be returned to you. You will need to take into account past mistakes and issue a new payment order.
The procedure for clarifying the type and affiliation of a payment to the Pension Fund of Russia
Notify an RKO Bank employee
Submit a letter: (To be completed on the organization’s letterhead)
Free legal advice:
From (Name of organization, Taxpayer Identification Number, Address)
LETTER regarding payment clarification
We ask you to clarify the payment made under the payment order No. for the amount in figures (in words), due to the incorrectly specified details of the Payee,
Free legal advice:
LETTER to search for payment
We ask you to search for the payment made under the payment order No. for the amount in figures (in words), due to the non-receipt of funds by the Payee: Details of the Payee,
We specify the correct details of the payment recipient:
Free legal advice:
INN *** KPP *** Recipient (Name)
Recipient's bank *** Current account *** Correspondent/account *** BIC ***
We ask you to issue the appropriate confirmation document.
Enclosure: Copy of payment order.
With tax authorities
To the Head of the MI of the Federal Tax Service of Russia No. 17 for St. Petersburg
Free legal advice:
Ms. Dementieva T.E.
Petrova Alexandra Yurievna
On clarifying the details of the payment recipient and returning the overpaid tax amount
July 03, 2013 Individual entrepreneur Petrova Alexandra Yuryevna INN *** to the details of MIFTS No. 17 erroneously paid to the federal budget the Unified tax on imputed income for certain types of activities KBK in the amount of 33024=00 (Thirty-three thousand twenty-four rubles) (copy of payment order No. 223 dated 07/03/2013 attached).
In payment order No. 223 dated 07/03/2013, as a result, the details of the payee of the UFKMF for St. Petersburg MIFTS of Russia No. 17 are incorrectly indicated
Free legal advice:
INN6 checkpoint R/accountBIK
This amount of tax had to be paid at the place of my business activity to the details of the Interdistrict Inspectorate of the Federal Tax Service No. 25 for St. Petersburg.
Current account in GRKTSGU BANK OF RUSSIA FOR ST. PETERSBURG BIC
Based on the provisions of the current legislation and compliance with the requirements, if it is impossible to confirm the Payee under payment order No. 223 dated 07/03/2013. To the MIFTS of Russia No. 25 for St. Petersburg, on the basis of Article 78 of the Tax Code of the Russian Federation, I ask you to return to me the overpaid tax to the following details:
Individual entrepreneur Petrova Alexandra Yurievna
current account *** in Branch *** in St. Petersburg, correspondent/account ***, BIC ***.
Individual entrepreneur Petrova A.Yu.
To the Bank of St. Petersburg
From an individual entrepreneur
About clarifying the details of the payment recipient
On July 03, 2013, I, as an Individual Entrepreneur (full name) INN *** in the payment order No. 223 dated 07/03/2013 in the amount of 33024=00 (Thirty-three thousand twenty-four rubles) incorrectly indicated the details of the payee UFKMF in St. Petersburg MIFTS Russia No. 17 INN6 checkpoint R/accountBIC
I ask you to clarify the details of the recipient of the payment in the Federal Treasury Department for St. Petersburg GRKTs GU BANK OF RUSSIA for ST. PETERSBURG in the amount of funds 33024=00 (Thirty-three thousand twenty-four rubles 00 kopecks) in favor of the Federal Financial Institution MF for St. Petersburg MIFNS Russia No. 25.
Details of the payee under payment order No. 223 dated 07/03/2013.
UFK for St. Petersburg (MIFNS of Russia No. 25 for St. Petersburg)
Current account in GRKTs GU BANK OF RUSSIA FOR ST. PETERSBURG BIC
Individual entrepreneur (full name)
Tax refund application:
To the Head of MI of the Federal Tax Service of Russia No. 25 for St. Petersburg
To the Taxpayer Relations Department
From an individual entrepreneur
Application for a refund of overpaid taxes, penalties, and fines
Taxpayer INN *** Individual entrepreneur (full name) in 2013, using the details of the Federal Tax Service for St. Petersburg (Interdistrict Inspectorate of the Federal Tax Service of Russia No. 25 for St. Petersburg), mistakenly paid to the federal budget
Tax on personal income. from income, the source of which is tax, except for income, in accordance with Articles 227, 227 and 228 of the Tax Code of the Russian Federation KBK in the amount of 52517 = 00 (Fifty-two thousand five hundred seventeen rubles).
Copies of receipts No. dated 10/21/2013 for the amount, No. dated 12/10/2013 for the amount, No. 0 dated 11/06/2013. for the amount, No. dated 10/07/2013 for the amount are attached.
Information on the income of individuals for 2013 (Minutes No. 2891 dated February 17, 2014) from the amounts of income, the amount of calculated, withheld and transferred tax was submitted in full. (a copy of the Protocol is attached)
In tax payment receipts No. dated 10/21/2013 for the amount, No. dated 12/10/2013 for the amount, No. 0 dated 11/06/2013. for the amount, No. dated 10/07/2013 for the amount, as a result, the BCC of the payment is indicated incorrectly: BCC (personal income tax) is indicated, instead of BCC (UTII - single tax on imputed income).
This amount of tax had to be paid at the place of my business activity to the details of the Interdistrict Inspectorate of the Federal Tax Service No. 25 for St. Petersburg for payment to the budget of the single tax on imputed income, KBK.
I ask you, based on the provisions of the current legislation and compliance with the requirements, on the basis of Article 78 of the Tax Code of the Russian Federation, to return to me the overpaid tax in the amount of 52517=00 (Fifty-two thousand five hundred seventeen rubles).
to the following details:
current account *** in Branch *** in St. Petersburg, correspondent/account ***, BIC ***.
Payments and methods of accepting them.
Here you can download
Here is an example of filling out an application to search for a payment through Sberbank.
The quality of the scanned sample leaves much to be desired, but here you can understand what you will need when filling out the application: full name, address, passport details, a copy of payment documents (checks, PD4), your card account or deposit (in the event that there will be a refund) , correct details of the recipient's organization. An adequate form in MS Word format can be downloaded from the link above.
Expert judgments
This is exactly the form they gave me to fill out at the bank. They told me to come back in 2 weeks 🙁
Thanks for the form. It really helped, it came out quickly. At home I filled out an application for a refund from the payment. I went to the bank and simply handed over the completed application. Two weeks later the money was returned to my card.
Thanks for the statement. Payers themselves carefully look at the payment details. Very good there are many trainee operator operators who do not care about the number of the corresponding bank account (i.e. the bank itself) or the name of the recipient.
when replenishing through the Qiwi wallet terminal, namely, the comment that I entered was not indicated in the payment, but I definitely needed it)
Application form for clarification of payment to the tax office
When issuing a payment order for a transfer to the budget, the taxpayer is faced with the need to fill out quite a lot of details. Their combination allows controllers to determine what kind of payment is being made, for what period, and what tax status is the payer who pays this or that amount. All these points significantly distinguish budget payments from ordinary transfers, for example, to a counterparty. They also complicate the process of filling out bills or receipts. Errors made in receipts for budget payments usually lead to the need to take additional actions in order for controllers to “see” the completed transfer: a company or individual entrepreneur who made an inaccuracy must submit an application form filled out with the correct details to clarify the payment to the tax office.
Errors to be specified and not to be specified
But first, let's figure out which errors when filling out a payment order can, in principle, be clarified, and which of them are fatal.
Thus, any payment is made using bank details - a current account number in a specific bank with its own BIC and correspondent account, as well as with reference to the name of a specific recipient. In the situation with budget payments, the recipient is considered to be the Federal Treasury, through which certain amounts are transferred to a specific Federal Tax Service. The issue of filling out these details should be treated extremely carefully, since inaccuracies in them will lead to the fact that tax amounts simply will not reach the budget. It will not be possible to clarify errors of this type; the amounts of taxes will be considered unpaid, therefore, the taxpayer will have a debt, which will at least lead to the accrual of penalties.
Errors of another kind are associated, relatively speaking, with payment information details. For example, the budget classification code indicated in field 104 of the payment slip determines what tax is paid. Field 107 indicates the period for which the payment is made, field 101 contains the payer status. Inaccuracies in one of these fields are not fatal. When they are completed, the taxpayer has the opportunity to submit an application to the tax office to clarify the payment. The sample must contain in the header the data of the Federal Tax Service to which the application is submitted, as well as the name and details of the taxpayer himself. Next, the essence of the error is stated in free form, and correct data is provided to replace the incorrect ones. A copy of the original payment order is attached to the letter itself. There is no legally approved application form for clarification of payment to the tax office.
Example of a letter to the tax office about payment clarification
To the Head of the Federal Tax Service of Russia for Moscow No. 29
Legal address: Moscow, Michurinsky Prospekt, 8
On clarifying the details of a payment order for tax payment according to the simplified tax system
In connection with a discovered error in payment order No. 78 dated July 20, 2017 for the transfer of an advance payment according to the simplified tax system for the first half of 2017 and in accordance with clauses 7, 8 of Art. 45 of the Tax Code of the Russian Federation, Romashka LLC requests a decision to clarify the payment. In this payment order for the amount of (Twenty-three thousand) rubles, in field 107 the incorrect value of the tax period indicator was indicated - KV.01.2017. Instead of this incorrect value, KV.02.2017 should be indicated.
It must be said that the law requires submitting a letter to the tax office to clarify the payment according to the sample given above, if even the smallest inaccuracies are committed. However, very often the tax authorities themselves do not pay attention to the incorrect filling in of some fields of the payment slip. If we consider the above example with the simplified tax system and its payment periods - once a quarter, then you need to understand that the tax is calculated on an accrual basis, so that a payment allocated to another period within the year will one way or another be counted in this particular year.
Things are somewhat more complicated with the BCC, which determines what tax was paid. If you make a mistake in this detail, then the debt on current obligations to the budget will not be considered fulfilled until the taxpayer himself discovers the error and clarifies the incorrect information in the payment order. The amount paid will be listed as an overpayment for another tax, the BCC for which was erroneously indicated in the payment slip. That is, this is exactly the case when a letter to the tax office about clarification of payment must be sent.
After submitting your application
After the submitted application has been reviewed, tax inspectors make a decision to clarify the payment, taking into account the corrected details. The inspectorate must inform the taxpayer about this decision within 5 days from the date of its adoption.
In some cases, however, controllers may insist on additional reconciliation of payments. This right is given to them by paragraph 7 of Article 45 of the Tax Code. If, by the time the application is submitted, sanctions have already been imposed on the company or individual entrepreneur due to conditional non-payment of tax, then after the payment details have been clarified, they will be canceled.
