Power of attorney to the bank. Sample

This document empowers a certain individual (or several persons) who is entrusted with a number of actions in a credit institution. Since the performance of banking operations requires the mandatory signing of the documents accompanying them, the power of attorney form must necessarily contain the signature of the authorized person. Moreover, it must be put in the presence of a bank employee and must also be certified by him, if we are talking about a power of attorney that is not notarized.

P rules for compilingpowers of attorney to represent interests in a bank

Download power of attorney

A power of attorney for its use in a bank or other credit organization is drawn up in accordance with the requirements established for such documents by Article 185 of the Civil Code of the Russian Federation. This document is always drawn up in writing and certified by the personal signature of the person who issues it.

The power of attorney must contain full information about the principal, in particular his full name, passport details, address of residence. Similar data is indicated in relation to the trustee. The document also details the essence of the order.

A power of attorney to the bank secures the rights of the authorized person to dispose of the funds available on the account of the principal in a banking institution (or any other credit institution).

How exactly the trustee plans to manage the finances of the trustee does not matter: this person can later transfer or withdraw money, replenish an account, open a new one and close accounts, or take other actions. For example, a power of attorney may also provide the right to use a safe deposit box, issue a plastic (bank) card, etc.

It is absolutely not necessary to certify such a power of attorney with either the employer or the notary. It should also be said that in accordance with paragraph 2 of part 3 of article 185 of the Civil Code of the Russian Federation, such a document can be submitted by the principal directly to a third party (bank, other credit institution), with which the representative specified in the document will enter into legal relations. This form is the most convenient and allows you to minimize the risks of both the credit institution and the principal. At the same time, the bank, accepting the power of attorney, has the right to verify your identity and make appropriate marks in the submitted document.

In order to avoid possible abuse of authority by a trusted representative, it is necessary to cover in as much detail as possible the range of his rights in the power of attorney itself. Otherwise, the responsibility for such acts in full will fall on your shoulders. For example, if you need a trustee to withdraw a sum of money from your account in the amount of 10,000 (ten thousand) rubles once, then it is better to indicate this condition directly, and not use the general phrase “withdraw money from the account” without specifying a specific amount.

If for some reason a citizen does not have the opportunity to personally attend a credit institution (illness, business trip, etc.), he issues a power of attorney. This means that his interests, within the limits of the authority received (cash withdrawal, loan repayment, use of a safe deposit box, etc.), are represented by the principal.

Who can be assigned to represent the interests?

The legislator limits the circle of trusted persons only by age. Any citizen who has reached the age of eighteen can act as an attorney. Accordingly, the client draws up this document for the individual whom he trusts (for example, it can be a spouse, relative, acquaintance or other person).

Basic information about the rules of compilation

The power of attorney is issued in accordance with the rules of Art. 185 of the Civil Code of the Russian Federation. It must be issued only in writing. A power of attorney for a bank is drawn up either in a simple written form or certified by a notary. In the first case, it can be certified in the presence of a bank employee. In the second, contact any notary office, where they will offer the appropriate samples of this document.

In every case the personal presence of the principal is required, since the client's signature is certified either by a bank employee or a notary.

Writing instructions:

1. At the beginning of the document, its date and place of compilation are indicated.
2. The full passport details of the principal are registered.
3. The passport details of the attorney (or attorneys) are indicated.
4. The list of powers is prescribed as accurately as possible. The power of attorney should reflect only those actions for which the persons are authorized (for example, deposit any amount of money into the account and transfer from the account, and pin the envelope to it, open a letter of credit, etc.).
5. The period of validity of the power of attorney is indicated (month, year, etc.). The power of attorney is issued both with the right of substitution and without it. If the attorney can entrust the powers specified in the document to someone else, then it is necessary to provide for the right of substitution.
6. At the end, the client indicates his full name and signs.

Important! Each bank has its own specifics, if an organization offers its own sample, it is better to use it

How is it verified and how much does it cost?

A power of attorney signed in the presence of a bank employee is free. A fee is charged for a notarized power of attorney. Each region has its own rates. According to Art. 333.34 Tax Code of the Russian Federation the state fee is 200-500 rubles, here you still need to add the technical work of a notary.

How can you apply?

POWER OF ATTORNEY

city ​​(indicate the place of compilation), (day, month) two thousand and eighteenth year.

I, gr. Russian Federation (full name), (day, month, year) year of birth, place of birth: (indicate as in the passport), gender: (male / female), passport (series, number), issued by (authority that issued the document) ( date of issue) of the year, subdivision code: (number) registered at the address: (indicate registration), by this power of attorney I authorize c. Russian Federation (full name), (day, month, year) year of birth, place of birth: (indicate as in the passport), gender: (male / female), passport (series, number), issued by (authority that issued the document) ( date of issue) of the year, subdivision code: (number) registered at the address: (indicate registration), be my representative in (name of the credit institution) on all issues related to the repayment of the loan and interest on it on the basis of Loan Agreement No. (indicate the number ) from (day, month, year) year.

For what I grant the right: to file applications on my behalf, submit and receive any documents, pay the following money, sign for me and perform any actions and formalities related to this assignment.

A power of attorney for a bank from a legal entity - a sample is available for download at the link below - will allow a representative of an organization to interact with the bank on its behalf. In addition, the reader will learn how to properly fill out a power of attorney and how to stipulate the powers of a representative so as not to encounter problems in the course of exercising these powers.

Power of attorney to represent interests in the bank - legal issues

The procedure for issuing powers of attorney by organizations is regulated by Art. 185-189 of the Civil Code of the Russian Federation. According to Art. 185 of the Civil Code of the Russian Federation, a power of attorney is a written document that is issued by one entity to another to represent its interests before third parties.

A power of attorney to the bank may be issued as a separate document or may be part of another document (for example, an agency agreement). Also, a power of attorney to the bank can be issued to a representative in person or transferred directly to a credit institution.

According to paragraph 5 of Art. 185 of the Civil Code of the Russian Federation, powers of attorney can be issued to several persons (including those of the same content). Accordingly, in this case, each of the representatives has the right to represent the interests of the organization independently, unless the document itself indicates that they must act jointly.

According to the rules of Art. 187 of the Civil Code of the Russian Federation, the person to whom the power of attorney is handed is obliged to perform all actions in the bank personally. At the same time, reassignment is permissible only in cases where such authority of the attorney is indicated in the document. At the same time, the attorney who transferred his powers to another person must inform the principal about this, and the document on substitution itself should be notarized.

Issuing a power of attorney

According to Art. 185.1 of the Civil Code of the Russian Federation, a power of attorney on behalf of an organization has the right to issue its head or another person (for example, a chief accountant), if he has such a right, based on the content of the constituent documents. At the same time, the signature of the head and the seal of the organization are sufficient for the bank. Certification by a notary, according to Art. 185.1 of the Civil Code of the Russian Federation, is required only for notarial transactions or actions related to state registration of rights or contracts.

Power of attorney validity period

According to Art. 186 of the Civil Code of the Russian Federation, the power of attorney requires an indication of the date of its issue. Otherwise, it is insignificant and cannot be used (it will simply not be accepted). The power of attorney may not be limited in time - then it is valid for 1 year from the date of issue. Also, the organization can specify the validity period of the document - in this case, it is not legally limited.

A sample of filling out a power of attorney to a bank from an organization

Practitioners should remember that the legislation does not provide for a unified form of power of attorney for a bank.

Based on the rules of legal technique, the power of attorney must indicate:

• Title of the document;
• date and place of registration;
• name of the organization and details of the representative;
• the name of the credit organization in which actions are required to be performed;
• list of powers;
• validity period of the document;
• sample signature of the representative;
• signature of the head of the company, seal of the organization.

Often a form of power of attorney of a certain form may be available from a credit institution. In this case, it only needs to be filled in.

If this is not the case, you can use a sample power of attorney to the bank from a legal entity with an example of filling out, which you can. The power of attorney can be issued both on the letterhead of the company, and on a regular sheet of A4 format.

Powers of a representative (open a current account by proxy, deposit, receive cash from a bank, etc.)

In practice, a power of attorney can be issued to perform one specific action or to systematically interact with the bank on behalf of the company. In the first case, it is necessary to clearly indicate what specific operation the representative is entitled to perform. For example, such an operation may be the opening of an account for an organization upon its establishment. In the event that the company already has an account, the actions of the representative may be limited to operations with this account.

If the power of attorney is issued with the expectation of regular interaction with the bank, then it can indicate a list of powers that the representative is entitled to exercise, for example:

• opening and closing bank accounts and deposits;
• depositing and withdrawing cash from the account of the organization;
• submission of payment orders;
• receipt of certificates (statements) on the movement of funds on the account;
• performing other actions necessary for the company.

***

Summing up, we note that since the representative receives the right to work with material assets on behalf of the organization, then the execution of this document should be approached with all care and accuracy.

To receive most banking services, the client must personally go to the branch of the institution. But if this is not possible, then you can send your representative - if he has documents that give him the appropriate authority, then the bank will serve him without any problems. For example, for Alfa-Bank, this is a power of attorney that can be issued personally or with the help of a notary.

Types of powers of attorney in Alfa-Bank

The function of any power of attorney is the transfer of rights from the one who issued it to the bearer to perform certain actions. For example, applicable to Alfa-Bank, it may be.

To deposit funds

Power of attorney to deposit funds - the bearer can open deposits or bank accounts on behalf of an individual, as well as replenish a current account or put money on a card. Applicable to legal entities using corporate cards. The method is especially convenient when, for example, you need to pay for someone else's loan, since other banks do not allow you to deposit money into the accounts of strangers.

To receive a card

A power of attorney to receive a card is useful for both an individual and a legal entity. This is relevant, for example, if a reissue of a card is ordered, then the holder himself has to leave somewhere. Also, such paper can be issued to a representative of the company or a courier so that he picks up a corporate card.

To receive money

A power of attorney to receive money is needed if someone plans to close a deposit or a simple current account, but cannot come to the bank in person. Often such paper is issued to spouses or parents.

To receive extracts

A power of attorney to receive extracts and certificates is useful if you need to receive a document certifying the full payment of the loan. In addition, such a document is usually drawn up by the CEO to his accountant so that he can quickly receive the necessary documents from the bank.

Thus, for any action related to the use of banking instruments, it is necessary to provide Alfa-Bank with a power of attorney addressed to the representative. This will help to avoid unnecessary questions and quickly get the desired operation.

Alfa-Bank power of attorney form

In order for Alfa-Bank to recognize the paper as valid, it must be drawn up according to a certain model or in the form of the bank where it will be submitted. The rules are different for individuals and legal entities.

For individuals (download form)

So, Alfa-Bank offers the following form:

• at the top of the sheet in the middle is placed the word Power of Attorney;
• the place of preparation of the document (on the right) and the place (on the left) are indicated;
• the operation to be performed (receiving a card, depositing funds, receiving documents, etc.);
• data of the principal (i.e. the final recipient of the service);
• data of the authorized person (the one in whose name the document is issued);
• grounds for the relationship (if they are needed, you can, for example, indicate that the principal is a client of the company);
• validity;
• trustee's signature.

When specifying information about the parties, their passport data must be indicated.

For legal entities

Making a power of attorney for legal entities is a more complicated operation than for "physicists". The fact is that such a document refers to the official ones. Therefore, its formation is carried out according to a special model, deviation from which is not allowed.

So, the power of attorney forms offered by Alfa-Bank for any cases of business life can be downloaded in the Documents section on the official website of the bank (you need to scroll through any page of the site to the very bottom and find a small link in the left column with information). For example, this is how you can find a sample for receiving documents or receiving bills of exchange.

It is better to entrust a professional lawyer or chief accountant with filling out the form for legal entities - they have the necessary qualifications.

The list of rights given to the principal should be specified as accurately as possible. If this is the receipt of documents - indicate which ones, if closing the deposit and receiving funds - which deposit and in what amount the money should be issued to the bearer. This will protect the principal from abuse of the document.

In general, the structure of the document will be as follows:

• at the top is the name of the company, locality and date of compilation;
• the main part reflects information about the principal - if it is a legal entity, its abbreviated name, bank details, legal and postal address are given, if it is an individual - passport data and phone number, and similar information about the authorized person;
• a list of operations that the bearer of the document is authorized to perform;
• signatures of both representatives;
• seal of the company or individual entrepreneur.

It is also necessary to specify the expiration date of the power of attorney. If it is not specified, then it is considered that the paper is valid for a calendar year.

Where to issue a power of attorney for Alfa-Bank

The easiest and most obvious way to certify the validity of a power of attorney is to go to a notary. The cost of the service will vary depending on the number of documents, the tariff set by the notary and the status of the client - for individuals, certification will be cheaper (about 1,000 rubles), for legal entities - more expensive (in the range from 1,000 to 5,000 rubles).

For assurance, the personal presence of both persons with passports will be required. The notary himself will draw up the text of the document and certify it, as well as enter the necessary data into the register.

However, if you need to draw up a document for only one operation, contacting a notary is too expensive. In this case, you can act like this:

• both people must come to Alfa-Bank with passports;
• declare the intention to issue paper;
• wait until the specialist prepares a power of attorney in the form of a bank;
• complete the document and put signatures;
• wait for an Alfa-Bank employee to assure her, and take it with you.

You can save time if you draw up a power of attorney according to the sample and print and fill it out in advance.

Conclusion

Thus, both an individual and a company representative can issue a power of attorney for Alfa-Bank in the name of any person to represent their interests. An authorized person can perform operations at the bank that are specified in the document, for example, withdraw money or repay a loan on behalf of the borrower, receive a card or order an extract. Samples of filling out a power of attorney on the bank's website, they can be downloaded and filled out, and for assurance, contact Alfa-Bank. You can also go directly to a notary, but it will cost much more.

A legal entity in the course of its activities constantly encounters banks - opening and closing accounts, processing loans and borrowings, receiving account statements, and other operations. In the bank, on behalf of the organization, the general director or another person authorized by him can act. By proxy, an employee of the company can receive an account statement or conduct a payment transaction. A power of attorney can be issued to any employee.

How to draw up a power of attorney to the bank correctly

A power of attorney is a document that authorizes the person specified in it to act on behalf of the principal. When there is an urgent need to take some action, and the director is either not there or there is no time, it is easier to entrust one of the employees to do it. A power of attorney can be drawn up from both a legal entity and an individual.

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For example, the chief accountant, the manager can instruct to open or close a bank account, pay for a supplier, create a deposit or open a loan.

A power of attorney to a bank is outwardly very similar to powers of attorney to the PFR, IFTS or FSS.

The legislation of the Russian Federation does not specify a sample power of attorney to a bank. Therefore, you can draw it up yourself in writing, download a sample from the Internet or request a template from the bank.

Power of attorney details:

1. Date and place of compilation. The deadline is not mandatory. If the contract does not specify the period of validity of the power of attorney, then 1 year should be added from the date of preparation.
2. Details of the principal and trustee. Full name of the organization, TIN, KPP, PSRN, charter number, full name of the head of the enterprise. Further, his passport data, full name are indicated to the one who is entrusted with the performance of duties according to the document. Passport data, TIN and other information.
3. The empowerment. Determined for each situation individually. The full name of the bank where certain procedures must be performed.
4. Signatures of the parties and seal of the organization. After drawing up a power of attorney, it can be transferred to the bank by the head of the organization or provided by the person indicated in it when applying.

Power of Attorney Certification

When a power of attorney is issued on behalf of an organization, that is, a legal entity, it requires several methods of certification. First, it is the signature of the head of the organization. Secondly, printing.

This power of attorney does not require notarization.

Power of attorney to the bank from a legal entity: sample

As mentioned above, the law does not specify a standard form of a power of attorney from a legal entity. You can compose in free form or download from the Internet. Most businesses issue the document on their letterhead. This paper in the "header" contains the main details, contact details and logo.

The place of compilation and the date are indicated in the upper left corner. For example, the city of Moscow, April 6, 2016.

Further, the document states that the organization represented by the head of the company "last name, first name, patronymic in the genitive case" acting on the basis of the "Charter or other document" from the "date of the charter" instructs the employee to represent the interests of the organization in the "bank or other place".

Usually, when filling out a power of attorney template from a bank, after entering the details of the principal's side, several numbers are given for entering the data of persons who are trusted to represent interests.

The standard list of data includes: last name, first name, patronymic, passport details, place of residence, TIN.

The next menu item after determining the parties is the list of powers.

They include:

• opening and closing of settlement accounts;
• bank statements on the current account;
• receive information on current accounts;
• replenish settlement accounts with cash through the cash desk;
• make deposits in the name of the organization;
• apply for a loan or overdraft;
• pay suppliers through payment orders;
• other actions that do not contradict the current legislation of the Russian Federation.

Even one bank has several branches within the same city. You should indicate the full name of the bank in which the enterprise is serviced, its address and, necessarily, the account number or several in one bank.

An expiration date is optional. It is generally accepted that this power of attorney is issued for a year. If the operation is carried out several times, you can issue a power of attorney for 10 days, a month, six months, etc.

After full filling and careful rechecking, the signature of the director and the seal of the organization are put at the bottom. The person who is trusted to perform transactions also signs.

Powers of a representative of a legal entity in a bank

A power of attorney can be issued for a one-time action (for example, a one-time deposit of cash, etc.) or for the representative to periodically exercise his powers.

Usually, a power of attorney to represent the interests of a legal entity in a bank is issued without the possibility of transferring powers by a representative to another person in the order of substitution. If necessary, the organization can issue a power of attorney with the same list of powers for several persons at the same time.

Power of attorney

to represent the interests of a legal entity

(place of power of attorney)

______________________________

(date of power of attorney)

______________________________________________________________________________

(full name of the legal entity)

(Further " Society”), registered on “_____” _______________ _____. at the location __________________________________________________________________________, OGRN _________________________, TIN ____________________________, represented by __________________

Acting on the basis _______________

(title of the position of the head, full name)

This Power of Attorney authorizes ______________________

(Charter, Regulations)

Passport series _________ №__________________

(surname, name, patronymic of the representative)

issued on "___" ___________ _______ __________________________________________________,

(issued by)

registered (th) at the place of residence at the address: ________________________________

____________________________,

represent the interests of the Company in __________________ on all issues related to the implementation of transactions on the current account (s):

№_____________________________________________

№_____________________________________________

To perform representative functions, the trustee is granted the following powers:

• submit payment orders and other settlement documents for payment;
• receive statements from the account (s);
• hand over cash to the Bank;
• receive cash from the account;
• receive statements on the account (s), certificates on the status of the account (s) and other documents related to the maintenance of the account;
• perform other legal actions related to the execution of this assignment.

The power of attorney was issued without the right of substitution.

The validity of the power of attorney is up to "___" _________ years.

The power of attorney must be valid for no more than 3 years

I certify the signature of the authorized person (representative) ___________________.

(signature example)

___________________ ___________________/________________________________________/

(position of the head) (signature) (full name of the head of the Company)

Power of attorney to the bank from an individual: sample

A power of attorney to a bank from an individual for the purpose of drawing up is similar to a power of attorney from a legal entity. In this case, according to the power of attorney, one individual trusts another individual to perform any actions with his bank account.

Most people believe that such a power of attorney should be issued by a notary. It is worth dispelling this myth. The legislation says nothing about this. A written power of attorney is sufficient. The document must clearly spell out the powers that the principal gives to the second person.

Proper execution of a power of attorney for an individual:

• Date and place of the power of attorney.
• The term of the power of attorney. If it is not specified, then it is considered that the power of attorney is issued for 12 months. The term of the power of attorney is unlimited by law.
• Possible redelegation of assigned powers.
• Items that are contrary to the law cannot have legal force.

Power of attorney

I, gr. Ivanov Maxim Yurievich, November 25, 1978, place of birth: Moscow, citizenship: Russian Federation. Gender: male. Passport:…., registered in Moscow, st. I authorize builders, d.35, kv.169 by this power of attorney

be a representative in the bank of PJSC "CENTER-karta", located at the address Moscow, Mayakovskogo st., 18., on the current account 43869875393253 and empower:

• receive bank statements on the account;
• open and close accounts;
• deposit money.

Ivanov M.Yu. __________

Kryukova A. S. __________

Summing up, it is worth noting that the execution of a power of attorney greatly simplifies the work of the head. This allows you to shift some of your authority to another employee and free up time for other more important things.