The procedure for opening an account for an individual is very simple and takes little time. However, you will have to visit a bank branch and present your passport to the teller. In some cases, you may also need cash for the first installment to the account being opened. But this is not always a prerequisite. The minimum payment is usually small.
Instructions
Step 1
The procedure should begin by studying the banks' proposals. Select several lending institutions, compare their terms of service, and find out if the bank charges a fee for maintaining the account. If yes, what is its size and how it is calculated. Is there internet banking and telephone banking, does the bank report on the movement of funds on the account, on what conditions these services are provided. Does the bank have many branches in your city and in the country and is it possible to replenish the account only in the place where it is opened or in others.
Step 2
Do not limit yourself to familiarizing yourself with the bank's website: call the call center, visit the nearest branch. Read reviews about banks, for example, in the "People's rating" on the website banki.ru: what customers say about the credit institution you are interested in, what are they satisfied with, what they are not. Take a look at the "Service rating", where their current and former employees leave reviews about the banks. Compare what you read with your own feelings of communicating with the bank staff.
Step 3
So, the choice is made. Visit a bank branch during business hours and inform the operator of your desire to open a current account. To do this, you will need to show him your passport and fill out the papers he offered.
Your account will most often be opened on the same day, and in some cases a first payment may be required. You will find out its size by studying the offers of banks. In this case, the teller will immediately offer you to deposit money at the cashier.
If the bank provides clients with the ability to remotely manage their accounts, you will be given access keys to Internet banking and telephone banking or instructed on how to generate them yourself.
