The correct name for this document is bank account". It contains all information about monetary transactions made from the current account of the enterprise or individual entrepreneur. The statement allows the bank client to track the movement of funds on the bank account: Money, payments made, bank commissions. Account statements are automatically generated by the bank on a daily basis, if there was a movement of funds on the account. In any case, the client has the right to request a statement of his current account at any time convenient for him.

All enterprises are required to observe cash discipline. This means that in an organization, regardless of the type of taxation, the cash book must be carefully filled out, where receipts and expenditure cash documents are recorded. An important place in it is occupied by bank statements - they serve as proof of the amount of cash receipts, expenses of the enterprise and the basis for calculating income tax or STS or reducing it by the amount of expenses. Anyway, financial statements cannot be reliable if the accountant does not have current bank statements.

What does a bank statement look like

This document states:

Date of transaction on the account;
- type of financial transaction;
- Document Number;
- BIC of the beneficiary's bank;
- correspondent bank account;
- settlement account of the payer;
- the beneficiary's account.

The cash flow is indicated in the columns "Debit" and "Credit". Unlike the accounting rules, the bank reflects the write-off of funds from the account on the Debit of the account, and the income on the Credit. The accountant of the enterprise must carefully check the compliance of bank statements with the payment transactions carried out. In case of discrepancies, immediately inform the bank. For the reliability of accounting, statements should be kept together with expenditure documents (payment orders) in order to avoid their loss.

If you need to get a duplicate bank statement, you need to write an application to the bank. There should be no problems with providing a copy of the document, but the bank charges for this procedure additional fee. Individuals who actively use a settlement or correspondent account are also entitled to receive statements on their account.

If a bank account statement is required to be submitted to the regulatory authority, it must be certified by the signature of the specialist who issued it and the seal of the bank. In all other cases this is not required.

The Sberbank card is a popular banking product, and many people use it not only to get cash, but also to make other transactions and payments, so the topic of how to make a statement to Sberbank Online on a personal account linked to a card is relevant for its holders. It is easy to control the balance of the amount on the card, but in other cases a full printout is required, for which you need to have information about possible ways to obtain data on all movements on the card account without having to visit a bank branch.

What is account history

When making purchases using a card, replenishing an account or transferring funds to someone, the client must understand that all information is stored in the history of operations on the personal account to which his card is linked. The history of account movements contains incoming (crediting) and outgoing (transferring) actions, where for each transaction the following is displayed:

• essence (name);
• date Time;
• card or account number;
• sum;
• processing stage (payment status);
• commission paid during the transaction.

How to view a statement in Sberbank Online

Such a decoding of the actions performed using the card is convenient and visual. It reflects all movements on the account, spent and credited money. Efficiency of obtaining information is especially relevant for users of credit cards. It is important for the cardholder to quickly request a balance, view the entire list of transactions, clarify the date of purchases, and it is essential that the bank provides such a service free of charge.

There are the following extract options: extended (detailed) and mini-format. The mini-version allows you to control the balance of funds and contains data on the last ten transactions made on the card (name, date, time, amount and name (on English language) place of action). Requesting an extract from Sberbank Online is available in the following ways:

• through the official website, Internet service credit institution, in personal account;
• through mobile app.

Through personal account

An extract on a Sberbank card through Sberbank Online is formed in a simple way. To do this, you need to enter your personal account in the standard way through an identifier, password and a one-time code received via SMS. To obtain information, you must:

1. Choose desired card.
2. Press its name.
3. The page will automatically display a list of the last 10 completed transactions.
4. If necessary, you can use the opportunity to print the statement by clicking the Print button, where the last four digits of the card are reflected in the header when generating the printable version.

In the Sberbank Online mobile app

How to make a statement to Sberbank Online is also of interest to customers who have the Sberbank mobile application installed. In this case, it is convenient to get information about the latest transactions on the card using this service. Login to " Mobile bank” is performed in the usual way - through a five-digit password. Then to get the data:

1. On the main page of the personal menu, select the desired card.
2. Click on her.
3. In the window that opens, the user immediately receives a list of the last 10 actions.

Graphic extract

Through the Sberbank Online service, it is possible to order a statement not only in the form of a list, but also in visual graphics, where the columns reflect the amount of receipts or expenses, and the line shows the change in the balance of funds. To receive a statement in the form of a graphic image, the user in his personal account must follow the steps similar to obtaining information on the latest actions:

1. Select the desired card.
2. Press its name.
3. The screen will display data on the last 10 completed transactions.
4. In the menu, activate the option "Graphic statement".

The received information automatically reflects the details of transactions for the last month, and you can set any period to receive data in the form of a graph. In addition, you can separately view the movement of funds and balance changes. For credit cards, if the holder uses his own funds, the overdraft amount is shown without taking into account interest and penalties.

Extended statement on a Sberbank card

If a selection of transactions over a long period of time is required, Sberbank Online offers an extended statement option with the ability to select a different time interval. The online information generation algorithm is similar to the steps above:

1. Choose desired card.
2. Activate it.
3. The screen will display data on the last 10 actions performed.
4. In the "Recent transactions" tab, among the menu items, select the "Full bank statement" option.
5. In the window that opens, select the option "Show transactions" for the period of interest to the client: week, month, exact dates (period).

All transactions that are carried out on the accounts of bank customers are displayed in a document such as an extract. It is necessary to control the movement of funds, check expenses and receipts. Sberbank customers can receive an account statement in several ways.

How to get

Mandatory provided to all legal entities and individuals, regardless of their type: deposit, current, transit, card, etc.

For the convenience of customers and in order to provide them with operational information in various life situations, Sberbank can form and provide:

• to e-mail via the Internet;
• in paper form in a branch or branch of the bank;
• via ATM;
• using SMS - mobile banking;
• using internet banking.

By e-mail

It is very easy to get an extract from the Sberbank account using your e-mail. You just need to go to the bank branch with your passport or other identity document. And there, on the spot, write a statement with a request to inform about all the operations carried out on a specific bank account.

In the application, the main thing is to correctly indicate the email address so that confidential information does not get to other persons, and the data to which you need to send.

After the bank accepts the application at the beginning of each month, the client will receive a printout of his account transactions for the previous month by email.

If there is no Internet or there are difficulties with working on the network, you can get information about the movement of funds on a card, deposit, etc. by contacting the nearest branch of Sberbank.

You need to take with you:

At the request of the client, a bank employee can print the document and hand it over to him or send it to his e-mail. The advantage of this method of obtaining information is the ability to select any period for generating a report on the movement of funds: it can be a month, quarter, half a year, a specific range of dates.

Using an ATM

You can also get an account statement from a Sberbank card using the nearest ATM. To do this, insert the card into the ATM, enter the PIN code and, when the menu appears on the screen, select the "Information and Service" tab, then "Card History". The disadvantage of this method is:

• service cost. It depends on the tariffs for servicing the card;
• information can be obtained only by payment cards;
• the document is printed only for the last 3 months.

Using SMS

If there is no ATM or bank nearby, and the Internet does not work or is not available, there is another way to get a Sberbank card account statement. Here comes to the rescue mobile phone.

You need to send an SMS with the text "HISTORY NNNN" to number 900,

where NNNN are the last 4 digits of the card number.

After some time, the client will receive a response message containing information about the last 10 operations and .

In addition to the query "History", you can write: HISTORY, VIPYSKA, ISTORIA.

To use this service, you need to connect your phone to the Mobile Banking system. To do this, you need to come to any branch of the bank with documents and a card, write an application indicating the number to which messages should be sent; bank employee activates the service.

Via internet banking

This method of obtaining data has many advantages. After all, using remote access, you can get information not only about the latest card transactions, but also without leaving your home or office. Sberbank provides this opportunity only through the Sberbank Online system.

In order to get acquainted with the movement of funds on your account, you need to log in using your login and password in your personal account.

Then the client selects the card or service for which he wants to view transactions. A list of the last ten transactions carried out on this account appears on the screen.

Reading 6 min. Published on 29.11.2019

An account or card statement in Sberbank of Russia is an official document reflecting information on the movement of funds - receipts and debits, interest and commissions, penalties and fines. This document may be required when applying for a visa in some civil transactions as proof of solvency. What methods of issuing an extract are available at Sberbank of Russia?

How to make an extract through the personal account of Sberbank-online: step by step instructions

The easiest way to get an extract is provided for its registered users.

In order to use the option, you must perform the following steps:

1. Log in to your personal account.
2. Select in it the number of the card for which you need to issue a statement sheet (if there are several cards).
3. From the proposed list of operations, select the "Print statement" item.

Important point: The statement sheet usually lists the last 5 transactions. If you need a history of the last 10 transactions, then you need to select the "Extended Statement" item.

How to connect a graphic statement in your Sberbank-online personal account?

The Sberbank Online service allows customers to draw up graphic statements. What are they? This is a display of the process of cash flow on a card or account in the form of bright graphs. This option is only valid for debit and overdraft cards (credit and debit).

In order for the graphic statement to be displayed in your personal account, you must do the following:

• Go to tab with detailed information about the map.
• Select the item "Graphic statement".

The columns of the graphical statement show the process of cash inflow and outflow, and the line shows changes in the card balance. In the schedule, you can set the required period for tracking the movement of funds (per week, per month, per day).

Important point: If transactions were made through ATMs and terminals of other commercial banks, then this information is not displayed in the statement immediately, but only after three days.

How to order a Sberbank statement via SMS or Mobile Bank?

In order to quickly find out information about the latest transactions on an account or Sberbank card, you can use the Mobile Bank service.

In this case, the order of operations will be as follows:

1. Sending SMS to number 900, writing in the text "HISTORY", "EXTRACT", "VYPISKA", "ISTORIA" and the last 4 digits of the card or account number.
2. Receiving a message containing information about the last ten transactions and the balance on the client's account.

Important point: Each request within mobile bank will cost the client of Sberbank of Russia 3 rubles.

If the "Mobile Bank" service is not activated for the user, then he can call the number hotline and tell the operator the last four digits of your account or card number.

We make an extract from Sberbank through an ATM or terminal

It is possible to obtain an extract from Sberbank at its ATM or terminal.

How to do it:

• Firstly , insert a card into the ATM and dial your PIN code.
• Secondly , select the "Information and Service" tab.
• Thirdly , click on the "History of the map" item.

As a result, the ATM or terminator will print out a check with information about transactions on the account that have taken place over the past three months.

Important point: The service of obtaining a statement sheet through an ATM is not free. For it, the amount of 15 rubles will be debited from the client's account.

How to get an extended Sberbank statement on a card?

most detailed information on transactions on the client's account for any period can be obtained at any of the branches of Sberbank of Russia.

For this you should:

1. Contact any operator.
2. Fill out the application form and present your passport and card.

This service is provided free of charge. In this case, the client has the right to ask for a printed or electronic form document (in the second case, the extract is sent to the client's e-mail specified in the application).

How to get an extract from Sberbank to obtain a Visa?

Applying for a visa, which opens the right to, is associated with the need to submit an extract from the traveler's card or account. This allows you to verify its solvency.

A statement sheet indicating the status of a client's account with Sberbank of the Russian Federation can be of two types:

• With information about the current amount of funds in the account.
• With information about transactions for a certain time period.

To obtain a visa, an extract is issued for both debit and credit cards.

However, this document has a number of important requirements:

• Firstly , it is compiled on the official letterhead of the financial and credit institution, indicating its details.
• Secondly , the information must be certified by the seal and signature of the head of the relevant branch of Sberbank of Russia.
• Thirdly , the document must be "fresh" its validity is only three weeks.
• Fourth , the statement must indicate the account number, the amount of funds on the card at the beginning of the requested period and at its end (balance), all inflows and outflows on the account, the balance of funds at the time of the request.

Important point: Each country sets its own limits on the balance of funds on the card. In general, it should be at least 60 euros per day, taking into account the entire duration of the trip.

Before applying for an extract for a visa to Sberbank of the Russian Federation, it is necessary to clarify in the representative office of the country of departure - which version of the document they need. However, a win-win option is to request a statement of issue at any of the branches of a financial and credit institution.

+’What are the advantages of such a reference:

1. It is issued for the period indicated by the client.
2. It is certified by a signature and a seal, which gives it the appearance of an official, legally significant paper.

)
If the consulate does not put forward special requirements for the quality of the statement, then you can get it in more efficient ways - through Sberbank Online, Mobile Bank, by calling the hotline or requesting an account balance at an ATM financial institution.

Important point: If account or card statements are needed by a bank client on a regular basis (for example, if he makes frequent trips to foreign countries), then you can write an application at any of the branches of a financial and credit institution. As a result, once a month, information about the status of the account and the latest transactions made on it will be sent to an e-mail or by registered mail.

If it turns out that the embassy or consulate of the country of departure requires the submission of an extract in a foreign language, then the document should be translated in accredited translation agencies. If it is necessary to indicate the amount in national currency country of departure, then this must be reported to Sberbank at the stage of preparing an application for a statement of issue.

Important point: If an extract is needed in English, then it can be ordered directly at the branch of Sberbank of Russia. Such a document is drawn up within 3 days and costs 100 rubles.

Thus, an extract from an account or card of Sberbank of Russia can be obtained at branches financial institution, through its terminals, and also in the Mobile Bank and Sberbank Online services. The bank issues statement sheets, including in English, and when applying for a visa.

Using any banking product, whether it is a loan, deposit or debit card, it is important to control the movement of funds in the account. This is especially true for legal entities and business entrepreneurs. A bank statement is an official financial document that confirms the amount of crediting and debiting money. Based on such a certificate, you can confirm the income and expenses of the enterprise, as well as the amount of tax for any form of taxation.

Account statement for entrepreneurs and organizations

A bank statement is generated on a daily basis for each account opened with a financial institution. This may be a current account through which the company conducts its activities, making a profit and interacting with counterparties and suppliers, or an account opened for credit needs.

You can request a bank statement at any time. It is formed for a certain period, which is interesting to the customer. This guide contains information on:

• about the receipt of funds;
• transferring money to third parties;
• bank commissions.

Bank statements can be requested when the responsible authorized person applies to a branch of a financial institution. AT different companies it takes a different time to produce a certificate. This may take from a few minutes to 3 business days, depending on the organization's regulations.

In addition, for businesses with settlement and cash services in a particular bank, remote access to the current one is often provided through the client-bank. In this service, you can generate such a document online, but it will not have legal force. To transfer the certificate to the regulatory authorities, the seal and signature of an employee of a banking company are required.

What is displayed in the document?

Account statements may vary slightly between banks. But there is a single entry form for the mandatory filling of information that is displayed in the help:

1. The name and basic details of the bank on the personal account serviced in this company.
2. Customer details and account number.
3. The date on which the certificate is generated.
4. The date the document was last requested.
5. Incoming balance at the beginning of the period and outgoing balance at the end of the period.
6. All transactions, full cash flow, including debit and credit.

An example would be the following sample bank statement:

Bank statement as of 18.08.2017 Name of the organization: LLC "Planeta" Account number: 40705910706000004461 Date of formation: 18.08.2017 Incoming balance (K): 15,000.00
	Document No.	Corresponding account	Type of operation	bank branch	Sum
					Debit (D)	Credit (K)
1	2	3	4	5	6	7
17.08.2017	243	40705910706000004345	2	5403654	10 000,00
17.08.2017	351	30300145856300012564	1	5503525		25 000,00
17.08.2017	242	40705910706000002425	3	5503525	10 000,00
Outgoing balance: (K) 20,000.00

The bank statement must contain complete information on each transaction:

1. The date of the.
2. Payment document number.
3. The account to which money is received or from which it is received.
4. Translation type.
5. Details of the bank where the account is located (BIC).
6. Debit and credit after the completion of the transaction.

In a bank statement from a current account, the generally accepted pattern of “double entry” is observed. After each transaction, the debit and credit balance is indicated. In the debit section, all receipts of funds are displayed, in the credit - write-offs.

The bank statement must be supported by accompanying documents (orders, payment orders, claims). Inscribed transactions are considered valid only if there are relevant supporting documents.

To whom is help provided?

A bank account statement is provided to a certain circle of responsible persons, who are appointed by the head of the company. As a rule, the accountant of the organization has the right to request a certificate by contacting personally.

The accountant must receive directly the document and payment orders confirming the transactions. On the same day, it will be necessary to carry out all postings in accounting system enterprises, usually 1C, using the double entry standard. For postings, the correspondence account and the account that is used in the operation are used.

An extract from a current account for an organization is an important financial document that is necessary for the accounting department of an enterprise. But what is an extract for individuals? Do they need her?

Individuals may interact with banking organization. have a credit or debit card, deposit or loan, pay mortgage, car loans. Bank statements for individuals are primarily informational in nature on the movement of funds.

The client can independently control the receipt and debiting of money, check information on commissions and interest under the contract. In addition, such a document on paper has legal force. The certificate will confirm the presence of overdue debts, the fulfillment of obligations under the contract and is suitable for submission to the court or other banking organizations.

For loans

A loan statement displays the amount of crediting and debiting money. In the column "Receipts" are the amounts that the client contributes. The "Write-off" section contains data on how the funds are distributed on the account.

Information is indicated on how much was written off from the principal debt, and how much went to pay off interest for the actual use of credit funds. The dates of the actual receipt of money and write-offs, as well as the amount of funds in the account at the current moment.

Just like for legal entities, there is no single standard, but sample certificates have general principles and are created on a special bank letterhead. An example would be the following bank statement:

Bank name: JSCB RosEvroBank BIK 044525836 General license for banking operations No. 3137 dated 26.08.2015 CURRENT ACCOUNT STATEMENT from 1.07.2017 to 18.08.2017 Client: Ivanov Ivan Ivanovich Account number: 40805910706000004461 Date of formation: 18.08.2017 Date of last operation: 08/17/2017
				Admission		Write-off		Account balance		Sum
										Remaining principal amount
1	2		3		4		5		6
17.08.2017	Crediting funds
17.08.2017	Repayment of principal
17.08.2017	Payment of interest for the current month
12.07.2017	Crediting funds
12.07.2017	Repayment of principal
12.07.2017	Crediting funds
The amount of the principal debt as of 08/18/2017: 134,005.26

If during the course of the contract an overdue debt was admitted and fines or penalties were accrued, then this information will also be displayed in an extract from the personal account. The client can independently calculate, based on this certificate, the total amount spent on paying fines and interest.

For credit cards

According to the results of each billing period, credit card holders receive invoices that indicate the amount of transactions for the past month, information on crediting money, total amount debts and mandatory payments.

Standard account data contains minimal information. Banks can notify customers through SMS informing, sending a letter to the post office or email address. A more detailed bank document on the current account is generated at the direct request of the client.

For deposits

The statement from the bank account on the deposit includes information on the amount at the current moment, as well as on the accrued interest. This is relevant for deposits with monthly capitalization of interest, since the client can independently track the profit that his deposit brings.

In a bank statement, it will also be possible to track the movement of funds if the terms of the deposit provide for a partial withdrawal of money or the transfer of interest to a debit card.

How to get a certificate for an individual?

The document is automatically generated daily in the client's personal account. You can control your contracts through a computer or mobile application. For this, there is no need to make additional requests or applications, the certificate is generated online.

But the online statement contains only reference information. The official document must have the seal of the bank and the signature of the employee. You can request a certificate by contacting the bank and writing a written application.

A document for individuals is produced, as a rule, instantly, but some banking companies can process a request up to 3 business days. To draw up an application, you will need to have a passport with you, you may also need the number of the agreement drawn up in the bank.