Service for checking arrests on accounts. How to find out the current account by TIN? How to find the information you need online

An interested person can find out information about the current account of a business entity in different ways. We will study them, as well as what tools are available to establish the relevance of a firm's bank account.

Is it possible to find out the current account of a company by its TIN?

To find out the current account of an LLC by TIN, it is necessary - and this is the main way - to contact, first of all, directly to the management or founders of the company. In general, the law does not oblige business entities to publish details (including the number of the current account). However, information about the settlement account of an LLC can be obtained by an interested person, for example:

• in judicial procedure(but the subject of a claim in this case there must be something else - for example, the recognition as illegal of the counterparty's refusal to recognize the fact of an advance payment for the goods due to payment on an incorrect invoice and, as a result, the refusal to supply this goods);
• through public sources - for example, the website of a business company (the company, at its discretion, can publish its details, including information about the current account, online);
• through payment systems and banking organizations(if the LLC is a supplier of popular goods and services - for example, for Internet access, under its own brand)

In the second and third scenarios, the TIN can be very useful - to make sure that the account belongs to a specific company (provided, of course, that its TIN will also be listed among the details on the website or reflected in the payment system database).

The procedure for obtaining information about the current account of a foreign counterparty may be characterized by certain peculiarities. In this case, his Russian partner may have to act under the jurisdiction of the legislation of another country (which, at the same time, may be very similar to the Russian one in terms of establishing rules governing the procedure for obtaining bank details of a commercial firm by any interested person).

Current account - a bank requisite represented by a sequence of 20 digits (if we are talking about a company that has opened a current account with a Russian financial institution).

Its structure contains:

• balance account codes (1-5 digits - divided into accounts of the first and second order, reflected, respectively, in 1-3 and 4-5 digits);
• currency code (6-8 digits) in accordance with national (in many cases - and international) classifiers;
• control code (9 digit);
• bank code (10-13 digits);
• company account code (14-20 digits).

Of course, the company's current account in foreign bank may have a different structure (as similar to that which characterizes accounts in Russian credit institutions, and the one that is built on completely different principles). Among the most common international formats for displaying a current account is IBAN. In Russia, it has not yet been applied, but it has been adopted, for example, by the closest neighbors of our country - Kazakhstan, Belarus.

It can be noted that, along with the number of the current account, the bank details of the LLC (outside their context, information only about the account number may be useless), as a rule, include:

• company name;
• TIN, KPP of a business entity;
• the bank's address;
• correspondent account.

It is worth noting that to find out Bank details- not so difficult as to establish the fact of their relevance. The fact is that in cases stipulated by law, the current account of an economic entity may be blocked. How can a stakeholder know about this?

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Find out if LLC is allowed to use bank account(in many cases, this allows the interested person to decide whether it is worth it to deal with the company) is possible by using a free service from the Federal tax service... It is available at service.nalog.ru/bi.do.

Banks are considered its target users. The fact is that, according to the law, a bank cannot open a current account for a company if at that time it has any other settlement accounts in the blocked status. The specified service of the Federal Tax Service is designed to facilitate banks' task of establishing the facts of blocking bank accounts. legal entities.

But, anyway, specified service is open to everyone, including the counterparties of a legal entity who plan to enter into financial legal relations with it and who want to make sure of their stability. If the company's current accounts are blocked, then it is likely that it has significant business difficulties.

Account blocking can be initiated by the Federal Tax Service due to:

• non-payment by the business entity of the tax (in this case, the tax is collected from the blocked amounts);
• the firm's failure to provide established tax reporting formats.

The blocking from the Federal Tax Service acts only on expense transactions (that is, if it is available, the company will not be able to fully pay with counterparties). Exception set for expense transactions related to the payment of taxes and other obligations that the company has incurred by virtue of the law (on a first come, first served basis).

To use the service from the Federal Tax Service, an interested person needs to know the TIN of the company and the BIK of any credit and financial organization (formally, the request is made by the bank, but in fact - by any interested citizen).

The query results page reflects:

• information about LLC (name, TIN)
• specified BIC,
• date and time of the request;
• overall result request (the presence or absence of blocked LLC accounts);
• information about the number of the decision of the Federal Tax Service on blocking the account, the date of the decision, the code of the department of the Federal Tax Service;
• BIK of the taxpayer's bank;
• date and time when information about account blocking was included in the system.

Perhaps the fact that the FTS service in question provides information about the BIK of the bank in which the LLC account is blocked will allow the interested person to indirectly determine the actual details of the company. For example - if he has at his disposal several different details of the company opened in different banks, and among them you need to find an active one.

Check the key in the bank account number. The procedure for calculating the control key in the personal account number. Functionality for checking the correctness of the main bank details: BIK bank, current account, correspondent account. Before making a payment using the provided details, it will be useful to carry out a formal check using this functionality.

Check the key in the bank account number.
The procedure for calculating the control key.

In order to complete the correctness of bank details, enter the BIC, current account, correspondent account in the form below and click the "Check!" Button.

Theory, fundamentals of banking in Russia.

For whatever purpose you open bank accounts in Russia, the three details that you need to get at the same time are as follows:

1. BIK (bank identification code) - has a length of 9 characters (numbers), uniquely identifies the bank (bank branch). It is important to understand the difference between a bank branch (structure that has its own balance sheet) and operations office(additional office), which balance sheet does not have and is necessarily a subordinate unit to a specific branch of the bank or the parent organization of the bank.
2. Current account - has a length of 20 characters (numbers, but there is an exception - the letters ‘AVSENKMRTX’ can be on the 6-position for special personal accounts when using the clearing currency).
3. Correspondent account - has a length of 20 characters (numbers).

These three requisites are the main ones.

All other details: TIN, KPP, name, address, etc. are derived from these three.

Several examples of bank accounts.

The three main bank details (BIK, Current account, Correspondent account) are logically linked with each other by a special algorithm that determines the value of the so-called. control key (position 9) in any bank account.

This allows formal checks to be made to ensure that the values ​​are correct. Before making payments or, conversely, providing your bank details to partners for payment in their favor, it is very reasonable to first check the correctness of bank details using this functionality.

Instructions - how to use the functionality

Note. If you want to check only the account / account, or only the correspondent / account, then enter only the account that you want to check. If you enter both a pending account and a correspondent account, both accounts will be checked.

Typical problems and questions

Confusion between bank divisions - it often happens that a current account is opened in one bank branch (for example, in Samara), and accounts for salary project open at the head office in Moscow. The accountant is trying to transfer money for salary using the BIK of the Samara branch of the bank, although in this case it is necessary to use the BIK of the Moscow head office.

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Look in the mirror! What can you see there?

Official details of the organization for the contract

Organization details- data that allows you to accurately identify the organization (Legal entity or Individual entrepreneur).

For the unambiguous identification of a Legal Entity or an Individual Entrepreneur, basic details are used. Official details in the Russian Federation are assigned to the organization by the Federal Tax Service upon registration, as well as Federal Service statistics when registering.

IN required details companies include:
... Name of company;
... OGRN;
... TIN;
... Checkpoint (for Legal Entities);
. Legal address(In the case of individual entrepreneurs - the address of the place of registration of the Entrepreneur);
... OKPO;
... OKVED (may be included in the details, as an indicator of the main activity of the organization).

When concluding an agreement, payment details are also used - bank details of the organization
... Current account of the organization;
... Bank correspondent account;
... BIK bank.
Also, when drawing up a contract, it is necessary to indicate the Position, full name of the head of the company.

On the ZHESTNYBUSINESS portal, you can get the full official details of any organization for free. The data on the portal is updated daily and synchronized with the nalog.ru service of the Federal Tax Service of the Russian Federation *.
The cards contain the latest new company details. It is enough to click on the link "Requisites for the contract" and copy the required data.

To search for the details of the legal entity / individual entrepreneur by INN / PSRN / OKPO or other details, use the search box:

To do this, enter the TIN or OGRN of the company in the search box.

If you do not have exact details, it will be enough to enter the name of the company.

Check the counterparty's current account

If the name is widespread and a list comes out at your request, it is advisable to clarify the request:
... enter the name of the company + the name of the director (for example: TEKHPROM IVANOV)
... or: the name of the company + its location (for example: TEKHPROM MOSCOW)
... or all parameters at once (for example: TEKHPROM IVANOV MOSCOW)
How to search in more detail ...

Brief Counterparty Verification Algorithm (how to identify a reliable Counterparty using HONESTBUSINESS.RF):

1. The organization must exist, its status must be Active.
2. The company should not be in special registers of the tax service (FTS), otherwise a red inscription will appear on the card under the name of the company. For example:
   There is no connection with a legal entity by legal entity. address (according to the Federal Tax Service).
3. Companies that have been operating for less than a year have increased risks (determined by the date of registration). According to statistics, every third company ceases to operate within the first year.
4. The company must be located at the registration address. The company does not have to have a mass registration address. How many companies are still registered at this address is indicated on the card under the address. Bulk addresses are often used by unscrupulous companies or fly-by-night companies.
5. The types of activities of the company must coincide in meaning with real activities companies.
6. The head (director) of the company. If you know who is the head of the company, check this data. There are cases when companies are registered as nominee managers, i.e. persons not taking part in the activity. This is one of the main signs of unscrupulous companies.
7. Check for registration in extrabudgetary funds... Without registration, for example, with the Pension Fund, a company cannot transfer funds to the Pension Fund.
8. The authorized capital of the company. The minimum in the Russian Federation is 10,000 rubles. How authorized capital the more, the less risks when working with a Counterparty.
9. It is also worth paying attention to Financial performance(does not apply to companies that have existed for less than a year). Pay attention to the articles: “ Net profit(loss) "- at unprofitable company can be financial difficulties... The article “Fixed assets” shows the presence of the Property in the ownership of the company.
10. Pay special attention to data Arbitration court(a separate tab in the card of a Legal entity or Individual Entrepreneur on the HONESTBUSINESS portal). The presence of court cases on default and claims for collection Money to the audited Organization, speaks of the unreliability of the Counterparty.

We wish you to work with trustworthy, honest Contractors!
Convenient, comfortable work when checking Counterparties on the portal!
Your FAIRBUSINESS.RF.

* The data of the Unified State Register of Legal Entities / EGRIP are open and are provided on the basis of clause 1 of article 6 Federal law dated 08.08.2001 No. 129-FZ "On state registration of legal entities and individual entrepreneurs": Contained in state registers information and documents are open and publicly available, with the exception of information, access to which is limited, namely information about identity documents natural person... On the website ZACHESTNYBUSINESS.RF you can check the Counterparty for free and show Due Discretion... All instructions and requirements presented on the ZACHESTNYBIZNY.RF website are not binding and are recommendatory in nature. Recommendations are given for the possible reduction of economic risks. When concluding transactions, taxpayers, first of all, need to take into account the provisions of the Constitution Russian Federation and Civil Code Russian Federation.

By virtue of the principle of freedom economic activity the taxpayer carries out entrepreneurial activity independently at your own risk. The administration of the ZACHESTNYBIZNY.RF website is not responsible for possible economic losses / cases of lost income and does not give any guarantees or assurances to third parties.

Since 2014, banks have not opened new current accounts for companies whose other accounts are blocked. How exactly is this rule applied in practice? This and other questions about blocking accounts were answered by Sergei Tarakanov, an advisor to the State Civil Service of the Russian Federation of the 2nd class.

Briefly about the important

- How can the bank find out if the company has blocked accounts?

- Across new service FTS, it is called "BANKINFORM", its Internet address is service.nalog.ru/bi.do.

- Do inspectors have the right to block accounts, if instead of electronic declaration for VAT will the company hand over paper?

- No, I have no right.

- Sergey Alexandrovich, since this year, the rules for working with settlement accounts have changed - now banks are not entitled to open a new account for a company if it already has blocked accounts in any credit institution... But how will bankers find out this information?

- Last summer the Federal Tax Service of Russia launched a new service "BANKINFORM". Since January 2014 this service allows banks to receive information about the suspension of transactions on accounts. To do this, at service.nalog.ru/bi.do, you must enter the taxpayer's TIN and the BIK of the bank on whose behalf the information is verified. In response, the system will show whether the this moment in relation to the taxpayer, a decision to suspend expenditure transactions. If so, the date of the blocking decision and the code of the tax authority that made this decision will be shown.

- It turns out that taxpayers can also use this service, checking their own accounts and accounts of counterparties, if they enter the TIN and BIC of any bank?

- Yes, anyone can go to the service.nalog.ru/bi.do website and check whether a decision has been made to suspend operations with respect to a particular taxpayer. The number of calls to the database is not limited in any way. The main thing is to know the TIN and BIK of the bank.

- The period will start soon quarterly reporting on VAT, which now almost all companies must submit via the Internet. If you send paper reports instead of electronic, will the inspectors have the right to block the company's accounts?

- I believe that in this situation, the inspection has no right to suspend operations. One of the reasons for blocking an account is being late tax return for more than 10 days (clause 3, article 76 of the Tax Code of the Russian Federation. - Ed. note). But the company has reported. This means that the IFTS only has a reason to apply a fine under Article 119.1 Tax Code RF - 200 rubles. for each report submitted in paper format instead of electronic.

- What if you accidentally mix up the form and report on an invalid form?

- In such a situation, it also does not have the right to suspend operations on the account. There is arbitrage practice, according to which, submitting reports on time with all the necessary data, but on an outdated form, is considered to have fulfilled his obligations.

- Now inspectors are required to send decisions to unblock accounts to the bank within 24 hours. But sometimes accounts are still blocked for a very long time. Can a representative of the organization take a copy of the decision to cancel the blocking from the inspection and take it to the bank in order to speed up the process?

- Decisions are legally binding tax authorities on the cancellation of the suspension of operations directed to banks exclusively in electronic form... The legislation does not provide for other methods of delivery of such solutions. But, in my opinion, in exceptional cases, such decisions can be aimed at hard copy... For example, if there are some technical problems and the bank cannot get an electronic solution in any way.

- But quite often inspectors are still late in unblocking accounts.

- In this case, I recommend filing a complaint with the Federal Tax Service and also submit an application for payment of interest for the delay. So, the decision to suspend transactions on accounts is canceled no later than one business day following the date when the company submitted the required declaration. If the inspectors violated this deadline, then the taxpayer has the right to receive interest for each calendar day of the illegal suspension of operations. Interest rate in this case, it is assumed to be equal to the refinancing rate of the Central Bank of the Russian Federation.

Knowing how to check the checking account of companies will help to avoid many problems in the course of doing business. Examples - you first check who really owns the account and only then transfer money or quickly look for a partner who suddenly disappeared from sight. Own data is usually checked for blocking. You will learn more about how to find out the current account of an organization.

How to find out the details of the organization

Checking the organization's current account by TIN on the State Services website is the surest way, but it is not always available or convenient. Other options for clarifying information:

1. Agreement - in it, in the section with the details of the parties, all data on the participants in the transaction are indicated. The pitfall is that there are often several accounts, you most likely need rubles, but it would be better to clarify this information additionally.
2. Request to company representatives - you can also send it by e-mail. According to the law, the relevant information must be provided to counterparties without restrictions.
3. Site search - most organizations have their own sites where they post data about their activities. The current account must also be indicated there.
4. Request to the Federal Tax Service (if any judgment) - it is done on the website of the tax office. Free of charge and instantly you can get a general statement from the department of registration with registration information.

Clarification of the IP account number

To find out the current account of an individual entrepreneur, contact the entrepreneur - his data should be freely available. Other options for clarifying information:

1. Court - but objective reasons are needed to start the procedure for obtaining IP data in court.
2. Public sources - first of all, the websites of the individual entrepreneurs, which usually contain basic commercial information.
3. Interfaces of payment systems of services, employees of bank branches (relevant for large providers of services, goods).

Difficulties can arise only when clarifying information about a foreign individual entrepreneur, since in this case the norms and laws of other states apply.

Features of checking the accounts of organizations

Now let's see how to check an organization's current account online. On the network, you can find the name of the organization, account number, contact information, if you do not have them. If you have a number, it is easy to get data on the company's activities, availability, and absence of arrests. There are sites where you can order the Unified State Register of Legal Entities (extract) for a fee, but be careful not to get caught by scammers.

Other ways to check online:

1. On the nalog.ru portal, where are collected tax information about all Russian companies.
2. Through the site nalog-ru-proverka - changes in statuses, a list of disqualified persons, and other information are reflected.
3. Through vestnik-gosreg.ru - here you will find data on closure, bankruptcy.

Additionally, the information is checked on Spark, Integrum, Kartoteka ru, FSSP RF.

How to check the r / cch IP

Checking the number, status of the current account individual entrepreneur is carried out according to the same principles as for organizations. It may be required if the company has debts and problems with their repayment, the counterparty violates the procedure for fulfilling the obligations assumed when signing a cooperation agreement. Also, the account number is required to restore lost contacts of the company, clarify information about the entrepreneur before starting cooperation, and check his conscientiousness.

Now you know how to find out the current account of a company, individual entrepreneur, you can protect yourself from a number of risks in the course of business cooperation. Checking your own data allows you to clarify the state of the account and exercise control over it.