Requisites of PI, bank, accounts - we will understand what's what

With the notion of "requisites" we encounter in various areas of life and business. They are from individual entrepreneurs (IP) and commercial organizations, from banks and accounts in them. In each individual case, this term is understood as a different kind of information. For example, the details of the IP and the bank are absolutely different data about these subjects. "Requisites" - this is a fairly broad concept, but its meaning is reduced to one: the identification of the subject in economic and legal relations.

Who and why do we need the requisites?

Let's consider as an example the requisites of IP. To carry out commercial activities, a person who is an individual entrepreneur must provide information about himself and his activities, register it and use it when entering into economic relations. Absence of requisites makes the activity of the IP illegal and repels potential partners and customers, because this automatically increases the risk of the transaction.

There are requisites of IP, which are mandatory and optional. The following data are mandatory:

• Name and address (may be the same as the registration address);
• TIN of a citizen-individual entrepreneur;
• Number, which is indicated in the certificate of registration of IP (OGRN).

In addition to these details, there may be additional:

• Bank account details (p / s) if available;
• Contact phone (also may be part of the requisites);
• Codes OKPO and OKATO.

It is according to the information mentioned above that it is possible to identify and verify the legality of the IP activity.

Optional but extremely important payment details

As already mentioned, the details of the PI refer to his bank account. So we smoothly go to the bank details.

In order to make mutual settlements with a PI, you need to know the following information about him and his / her account:

• FULL NAME. Individual entrepreneur;
• No. p / s is a collection of twenty digits;
• The name of the bank in which the account is opened (the receiving bank);
• Correspondent account of the bank (also twenty figures);
• BIC - bank identification account;
• Tax ID - individual taxpayer number;
• CAT - code of reason for registration.

Bank requisites for companies and individuals

If the recipient of funds is an enterprise, then instead of the full name of the company, its full name shall be indicated. Its details include, by analogy with the IP, the full and short name of the company, the address, the full name of the director and the details of the bank account of the enterprise, contact numbers and other legally important information about the firm.

For individuals with the purpose of transferring funds, the account number is indicated. If the account is a card account, then the additional card number is the card number indicated on the front side.

Bank requisites

The last five positions in the above payment details plus the address of the location are the bank details. They are unique for each credit institution, and can be used both independently (if the transfer is made in favor of the bank) and in conjunction with the data of a specific account (for crediting funds to accounts opened with the bank). Knowing them, as well as the account number and full name of the recipient, you can make non-cash transfers, payments and other calculations.

When preparing a payment order, it is very important to do this very carefully. Otherwise, your money can simply fall into the wrong account, and it will be extremely difficult to correct the mistake.

We examined what are the requisites of IP, enterprises, account details (payment) and the bank itself. Now, when you need to make a money transfer or enter into other economic relations, you will know exactly which requisites are needed for this.