Does an LLC always have a bank account?
Clause 4 art. 2 of Federal Law No. 14-FZ of February 8, 1998 indicates the possibility of opening current accounts for LLCs. It turns out that this is only a right, and not an obligation of the company? This is not entirely true.
Art. 2 of Federal Law No. 14-FZ of 02/08/1998
In fact, organizations have to open a bank account. This is necessary to:
- make contributions to the Federal Tax Service (for LLCs - necessarily in non-cash form);
- do not allow surpluses in the cash register;
- make payments under contracts with amounts starting from 100,000 rubles.
Some companies have several checking accounts at once. Their number is not limited by law. It will be more difficult to find bank details for all of the organization’s accounts at once.
What bank details may be required?
To make a transfer to an organization, it is not enough to know the 20-digit current account number. Additionally you will need:
- Company name;
- TIN and checkpoint;
- Bank BIC;
- name of the bank and location of the servicing branch;
- correspondent account.
To find out the current account of an organization for debt collection under a writ of execution, it is enough to have the name and TIN of the company on hand. The bailiffs themselves must find the account. But this procedure can be speeded up if you at least find out the bank in which the account is opened.
Deciphering the current account numbers
By the way, the current account contains information about the internal number of the branch of the servicing bank. These are the 10th, 11th, 12th and 13th digits of the account.
Is it possible to find out the current account of an organization by TIN online?
The easiest way to find out the details of an organization is to view them on the company’s website or ask a representative in person, by phone, or request data by mail. Many businesses list them in their contact information. Although some companies do not register this information (for example, small entrepreneurs).
This is what the company details posted on the website usually look like:
You can try entering the company name and tax identification number simply into the search bar. Now there are a lot of services that provide information about organizations. There you can find out the company details (OGRN, KPP, etc.), information about the place and date of registration, but no information about the current account.
Checking your current account on the Federal Tax Service website
The Federal Tax Service is the most reliable source of information about individual entrepreneurs and LLCs. Therefore, it is better to look for the company’s details on their official website. Some believe that the company's account data is posted here. Through the Federal Tax Service you can obtain an extract from the Unified State Register of Legal Entities in the “Check yourself and your counterparty” section.
TIN, company name or OGRN are required to be entered. The region can also be selected to exclude matches (for example, if the search is performed by the name of the LLC).
All that remains is to receive an extract (generated in the form of a PDF document). There will be detailed information about registration, date and place of registration with the Federal Tax Service, Pension Fund of the Russian Federation, Social Insurance Fund, etc. But it will not be possible .
This form will display information about the company
If the bank is known
The Tax Service does not provide information about companies' current accounts online. But if you know the name of the bank where the account is opened, you can try to find out its details through Internet banking. For example, such an opportunity is available in the Sberbank Online service. To do this, after authorization in the service you need:
- Go to the “Transfers and Payments” section.
- In the window that appears, find the “Payment for purchases and services” section. And in the search form we enter the TIN of the organization.
- If the recipient has a current account with Sberbank, the current account number will be displayed below.
To find out the remaining details, you can go to the payment invoice. The payment will indicate the TIN, KPP, current and correspondent account of the organization, BIC and the name of the servicing bank.
This search format does not always work. If we are talking about a small company, it is unlikely that a payment template has been added to the online banking interface.
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How else can you find out the details of the TIN of a legal entity?
If you couldn’t find out your current account by TIN online, you can use other methods.
Agreement
If you are a client of the company, then usually the payment information is written down at the very end in the “Parties Details” section.
Payment documents
If you have a payment order, it will also be easy to find out the details: they are all written down in the payment order.
When contacting the Federal Tax Service
Reliable companies are ready to provide their account details themselves, especially if the applicant intends to make a payment in favor of the organization. It is more difficult for those who want to receive money from an unscrupulous LLC. If company representatives refuse to provide information about the account, there is no information in open sources, all that remains is to contact the Federal Tax Service. To do this you need:
- Write an application to the court demanding to provide information about the company's current account.
- Wait for the decision to be made. If the claim is satisfied, a writ of execution will be issued. It must be certified by a notary .
- Contact the Federal Tax Service or the Pension Fund of the Russian Federation with a request to find out the current account of the organization.
If there is a valid writ of execution, the applicant can, through the Federal Tax Service or the Pension Fund of Russia, find out about the number of existing current accounts, their numbers and the banks in which they are opened, the amounts available in the accounts and their movement.
Without a writ of execution in hand, it will not be possible to obtain information about the company’s current account with the Federal Tax Service, since such information is confidential.
In the bank
If the required counterparty is a well-known supplier of goods and services, then the bank servicing it probably has information about the account. To find out, just contact the bank operator in person. If you have the TIN on hand, it will be easier to find the necessary information - the branch employee will enter it and receive the details. This option is needed if you urgently need to make a payment, but you forgot to take your account information with you.
Through "1C: Accounting"
Receiving account details through 1C: Accounting is suitable for organizations that want to find out the current account of a counterparty organization.
To do this, just turn on the program, go to the section with the list of counterparties and search by name or TIN. Afterwards, all you have to do is open the card of the desired organization and find out the organization’s bank details.
Basic ways to find details
Typically, the current account number consists of 20 digits and begins with the combination “40702810”. The full details are displayed in the agreement in a special subsection called “Details of the parties”. It also contains information about the TIN of the enterprise.
The most common way to obtain information of interest is the official tax service portal.
On the Federal Tax Service website
To be able to obtain information about the bank account balance, you need to follow this algorithm.
- Go to the official tax service portal.
- Go to the page with information to be entered into the Unified State Register of Legal Entities.
- Filling out the main fields indicating OGRN, TIN and other known information.
- Obtaining the necessary information issued by the system.
With the help of a contract
This data must be indicated in the contract, otherwise it will not have legal force and will be considered invalid. The parties, moving on to its execution, are themselves interested in ensuring that information about them is provided in a complete and reliable form.
Through payment cards
Payment orders are the main sources of information about the taxpayer identification number. They also contain a full set of information about bank details, but not always. However, knowing the TIN, you can obtain the remaining data using the Federal Tax Service portal. To do this, you need to visit the resource, fill out the form, and the system will automatically display the results.
On the company website
The company's website usually contains a list of necessary information by which you can track data about it. Among them is TIN. Some firms provide a wider range of data, so you may not need to do an additional search.
Through government agencies
All information about legal entities is stored in the archives of the Federal Tax Service. In this regard, if there is a need to obtain information about an LLC, you must contact the relevant territorial department or the official website of this structure.
In virtual mode, within one minute from the moment the request is created, the user will be able to receive detailed information.
1c accounting
You need to enter the program, find the section that contains information about contractors, sort companies according to their names, and get the necessary information. The procedure will take no more than 5 minutes, and the data will be received in full.
Sberbank Online
The use of the Sberbank ONLINE service will become relevant if the client knows that the account is opened there. To search for the necessary information, you need to use a special line in which you enter data about the name of the enterprise and TIN number.
If you have any questions while using the system, you can contact a bank employee personally.
Checking your current account
Sometimes checking the current account is initiated before starting cooperation with the company. Then it is more logical to obtain an extract from the Unified State Register of Legal Entities. You can also use third-party services that display data on income by year, number of court cases, and much more. It will be easier to identify an unscrupulous counterparty this way than to look for a current account using the TIN.
You can also check your current account for restrictions using a special service from the Federal Tax Service. But for this, in addition to the TIN, you will need a BIC. They must be entered in a special form:
The results of the query will then be displayed on the screen. If operations on the account are suspended, then additional information about the date and number of the decision on suspension will be visible.
What details can you find?
During the procedure for searching data by TIN in virtual mode, each person, individual entrepreneur, or organization can find out the following set of information :
- full name without any abbreviations;
- organizational and legal status of the company (LLC, OJSC, CJSC, PJSC, etc.);
- legal address in full format (the company used it to undergo the state registration procedure);
- OGRN;
- checkpoint;
- the time at which registration was carried out;
- date of termination of employment, if liquidation was carried out during the period of data search.
Along with this, it is possible to easily search for auxiliary data. To do this, you need to download a file with an extract from the Unified State Register of Legal Entities in PDF format. This is done using the official portal of the Federal Tax Service. Using the extract, you will be able to obtain the following information :
- information about the founders of the enterprise;
- information about the area in which the enterprise carries out labor activities according to OKVED;
- other information.
