Ak Bars Bank customers have access to an automated "simplified" service

2022: Creation of an automated "simplified" service

The automated "simplification" service has become available to Ak Bars Bank customers.

Together BSS bank with the introduction of the AvtoUSN service and became one of the official partners of the federal project. BSS announced this on November 8, 2022.

The service can be used by bank clients in Tatarstan, Moscow, Moscow and Kaluga regions.

From July 1, 2022, an experiment is being carried out in these regions to introduce a special tax regime - an automated simplified taxation system (AvtoUSN). Ak Bars Bank, among several major federal banks, joined the experiment and is now officially included in the list of authorized credit institutions. . The main advantages of this mode:

• Exemption from tax and most reporting to government non-budgetary funds. Taxpayers applying it are exempt from paying insurance premiums.
• Taxes are calculated automatically by the tax authority based on income and expenses to data at online cash desks, information from authorized banks and information that the client independently indicated in the personal account of the Federal Tax Service.
• Part of the functions of tax agents for the calculation of personal income tax is performed by the bank.
• There is no need to track the timing of declarations and changes in declaration formats.
• Reporting to state-owned over-the-counter funds is simplified.

Small and medium-sized entrepreneurs are one of the key customer segments for Ak Bars Bank. We have been actively working with small businesses in the region for a long time, understand its needs and strive to become its main financial partner, offering the best in the market and the most popular solutions. We see in the AvtoUSN service a good opportunity to reduce financial and administrative costs for business. Refusal to report will save on accounting and personnel support services, and together with zero rates on insurance premiums, this will be a good help in business management and development, "said Ildar Abdullin, Head of Transaction Business at Ak Bars Bank.

The Federal Tax Service pays great attention to improving the convenience of interaction between entrepreneurs and government agencies. And the AvtoUSN tax regime is an example of this. Together with the banks participating in the experiment, we are able to exempt business from the need to calculate taxes and the obligation to submit a significant number of reports to tax and non-budgetary funds, allowing it to develop its business. The first reviews of taxpayers already using AvtoUSN confirm its demand among entrepreneurs. We actively interact with credit institutions and entrepreneurs in order to improve it in order to create the most comfortable business conditions, - said Vladimir Maltsev, head of the Operational Control Department of the Federal Tax Service of Russia.

A team of specialists from the bank and BSS worked on the project to create and deploy the AvtoUSN service. The RBS "Ak Bars Business Drive" (developed on the platform of the Digital2Go company BSS) has implemented all the necessary functionality: registration of AvtoUSN through RBS, viewing information, marking the income and expenses of the taxpayer by the bank and the client, sending this data to the Federal Tax Service to determine the tax database, transferring data on employees within the framework of personal income tax.

To accept the AvtoUSN service at Ak Bars Bank, a working group, which included tax representatives, tested its work in cooperation with the Federal Tax Service and confirmed the effectiveness of the service. The regulator included the bank in the list of authorized banks and allowed it to connect and serve users of AvtoUSN.

The project turned out to be truly ambitious, taking into account all the regulatory nuances of the AvtoUSN regime, the need to quickly make changes to the product upon receipt of requirements from the regulator. But our team was not afraid of this challenge and successfully completed the task, - commented Stanislav Shilov, director of product development at the BSS Center for Digital Business Solutions.