Which account type to choose for your goals
Bank 131 offers three account types: settlement, escrow, and collateral. Which account to open depends on your goal: a primary account for your own operations, an account for settlements with clients, or one-time payouts without a settlement account.
Account selection guide
What is your goal?
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Need a primary account for your own operations
Settlements with counterparties, payroll, taxes, and payment acceptance from clients
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Need an account for settlements with clients
Intermediation, escrow transaction—funds belong to beneficiary clients
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Settlement account
Opened first
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Escrow account
Open after the settlement account—then set up payouts
Payouts
Need one-time or recurring payouts
Payouts to counterparties, self-employed people, contractors, partners
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Collateral account
Top up the account in advance
Payouts
Account comparison
| Feature | Settlement | Escrow | Collateral |
|---|---|---|---|
| Payment acceptance (cards, FPS, SberPay, T-Pay, YooMoney) | ✔ | — | — |
| Payouts to cards and accounts of Russian banks | ✔ | ✔ | ✔ |
| Payouts via FPS | ✔ | ✔ | — |
| Payouts via BESP | ✔ | ✔ | ✔ |
| Payouts to YooMoney, in currency, VAT | — | — | ✔ |