kodumaine - domestic
**Scroll down for English**
Pangaga enda mõtteid jagades sain ülevaate nende mugavatest lahendustest.
Näiteks ettevõtte osakapitali sissemakse kogumiseks on LHV pank loonud Stardikonto.
Jagan seda kirja ka sinuga, siis sa ei peagi küsima vaid juba tead, mida otsida.
(LHV Pank)
Tere päevast, Marek
Mul on rõõm, et olete meile kirjutanud ja tore kuulda, et liigute enda unistuste suunas ning olete valinud enda kodupangaks LHV Panga! Aitäh Teile!
Ettevõtte puhul saame kindlasti pakkuda erinevaid mugavaid lahendusi. Esmalt enne ettevõtte loomist on võimalik LHV pangas avada stardikonto (seda on vaja ainult siis, kui asustate ettevõtte osakapitali sissemaksega). Täna on võimalik ettevõtet ka asutada ilma esmase sissemakseta ning teha sissemakse mingi aja jooksul.
Stardikontol paraku raha koguda ei saa. See ongi mõeldud ainult üheks eesmärgiks. Kui olete valinud Äriregistris, et soovite ettevõtet asutada sissemaksega, siis see Stardikonto selleks ongi mõeldud. Stardikontol ei saa teha ühtegi tehingut.
Stardikonto avamisel kohustusi Teile ei teki. See ongi tasuta ajutine arveldusarve, et maksta sisse ettevõtte osakapital (ainult juhul, kui on valitud sissemakse tegemine enne ettevõtte registreerimist). Kui sissemakse on tehtud, siis saate meilt küsida dokumendi selle kohta ning edastada selle Äriregistrile, kes siis juba seejärel registreerib ettevõtte ära. Kui ettevõte on registreeritud, siis automaatselt konto ei muutu tavaliseks ettevõtte kontoks, vaid me peame sõlmima ka kliendilepingu (seda kõike saab digitaalselt teha). Peale lepingu sõlmimist on konto siis tavaline ettevõtte arvelduskonto ja saate hakata kasutama kõiki ärikliendile suunatud teenuseid. 2 eurone kuutasu on vaid pangakaardil, seega kui Te esialgu kaarti ei soovi näiteks tellida, siis kuutasu ka ei rakendu.
Kui ettevõtte on juba asutatud, siis kohvikule kindlasti saame pakkuda innovaatilist maksete kogumise teenust. Kohvikus kohapeal saate kasutada kaardimakse terminali (erinevate võimalustega liikuvad ja paiksed, mida saab vajadusel ühendada kassasüsteemiga). Kui kohviku kodulehel hakkate ka võimaldama toodete ostmist, siis saame pakkuda kaardimaksete vastuvõtmist kodulehelt ja samuti ka Baltikumi suuremate pankade pangalinke.
LHV pakub kõiki vajalikke makseviise, et tagada ettevõtte klientidele kiire ja mugav tasumise võimalus.
Samuti on meil väljatöötatud LHV Connect teenus, millega on väga mugav ühendada raamatupidamisprogramm ja pangakonto. Ehk ei pea koguaeg kontole sisse logima, et andmeid raamatupidamisse sisestada vaid saab otseühenduse andmete edastamiseks.
Tegelikult on meie tooted päris lihtsad ja kasutajasõbralikud ning nende kasutama õppimiseks ei ole kontori külastus ilmtingimata vajalik. Saame aidata Teid ka e-kirja või telefoni teel. LHV Connect puhul on nii, et tegelikult meie pakume ainult sellist tehnilist lahendust raamatupidamisprogrammidele, et oleks võimalik kiiresti info saada pangakontolt kätte, kuid teenuse kasutamine ise on igas programmis erinev ja selleks tuleb pöörduda juba siis valitud raamatupidamisprogrammi klienditoe poole.
Loodan, et minu vastust oli Teile abiks ning andke teada, kui on veel lisaküsimusi tekkinud.
Ilusat päeva jätku soovides
Ada-Liisa Lebedeva
vanem-klienditeenindusspetsialist
English
In the year 2021, I chose a domestic LHV bank as my home bank. It was a matter of principle - we are inspired by Northern Macedonia and the Balkans, but we are still Estonians. Our main target group is Estonians, which is why I also want to use the tools available in my country, and they are preferably domestic. I thought about doing it smoothly through the Estonian bank as well. In addition, I want to be a role model and I want to get more experience and feedback about everything I plan to use in my business.
By sharing my thoughts with the bank, I got an overview of their convenient solutions.
LHV has created a start-up account to collect the company's capital contribution.
I'll share this letter with you, so you don't have to ask, but you already know what to look for.
(LHV Bank)
Good afternoon, Marek
I am glad that you have written to us and it is nice to hear that you are moving towards your dreams and that you have chosen LHV Pank as your home bank! Thank you!
In the case of a company, we can definitely offer various convenient solutions. First of all, before starting a company, it is possible to open a start-up account with LHV Bank (this is only required if you are settling in the company's share capital). Today, it is also possible to start a business without an initial deposit and make a deposit over a period of time.
Unfortunately, you can't save money on your start-up account. This is for one purpose only. If you have chosen in the Commercial Register that you want to start a company with a deposit, then this Start-up Account is for that purpose. No transactions can be made on the start-up account.
There are no obligations for you when opening a start-up account. This is a free temporary current account to pay in the company's share capital (only if you have chosen to make a deposit before registering the company). Once the deposit has been made, you can ask us for a document about it and forward it to the Commercial Register, which will then register the company. Once the company is registered, the account does not automatically become a regular company account, but we also have to sign a customer agreement (all this can be done digitally). After concluding the contract, the account is then a normal current account of the company and you can start using all services for business customers. The monthly fee of 2 euros is only available on the bank card, so if you do not want to order the card for the first time, the monthly fee will not apply.
If the company has already been established, we can definitely offer the café an innovative payment collection service. In the café you can use the card payment terminal (mobile and fixed with different options, which can be connected to the cash register system if necessary). If you also start to sell products on the café's website, we can offer card payments on the website, as well as bank links to major Baltic banks.
LHV offers all the necessary payment methods to ensure fast and convenient payment for the company's customers.
We have also developed the LHV Connect service, which makes it very convenient to connect an accounting program and a bank account. You may not need to log in to your account all the time to enter your data, but you will be able to connect directly to the data.
In fact, our products are quite simple and user-friendly, and it is not necessary to visit the office to learn how to use them. We can also help you by email or phone. In the case of LHV Connect, we actually only offer such a technical solution for accounting programs that it is possible to get information from a bank account quickly, but the use of the service itself is different in each program and you must contact the customer support of the chosen accounting program.
I hope my answer was helpful and let me know if you have any further questions.
Wishing you a nice day
Ada-Liisa Lebedeva
senior customer service specialist
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