Registration with the bank under 173-FZ: the 3 and 10 million ruble thresholds, how to get a unique registration number, what the bank checks — and how to get your contract approved the first time
The bank accepts the contract on the first submission when it includes all the mandatory sections
The contract must state the subject of the deal, the amount, deadlines, payment terms, and both parties' details. Our generator creates a document with these sections.
Submit the contract to your foreign-trade bank — in person, through online banking, or by email. Most banks accept documents online.
Instruction 181-I gives the bank 1 business day, though in practice it usually takes 1–3 days. The bank assigns the UNK registration number, which you quote in every subsequent payment document.
Choose the type of deal — the generator builds a document with the mandatory sections required to pass currency control
You purchase products from a foreign supplier. The registration threshold is from 3 million rubles.
You ship products to a foreign buyer. The registration threshold is from 10 million rubles.
You pay a foreign contractor for services. The registration threshold is from 3 million rubles.
You receive currency from a foreign client. The registration threshold is from 10 million rubles.
The bank rejects contracts missing mandatory details — our generator rules out this mistake
Under Bank of Russia Instruction No. 181-I, the bank must confirm that all mandatory sections are present
Registering a contract with the bank, the UNK number and filing deadlines
Fill in the form — get a bilingual DOCX with all the details needed to pass currency control under 173-FZ.
Since 2018 the deal passport has been abolished. In its place is a system for registering foreign trade contracts: the authorized bank opens a file and assigns a unique registration number. The procedure is governed by Federal Law No. 173-FZ "On Currency Regulation and Currency Control" and Bank of Russia Instruction No. 181-I.
Mandatory registration is required at: from 3 million rubles — for import contracts and loan-received agreements; from 10 million rubles — for export contracts and loan-issued agreements. Amounts are calculated at the official Bank of Russia exchange rate on the date the contract is signed. Below these amounts registration isn't needed, but the contract is still presented to the bank as the underlying document for every payment.
After registration the bank compiles a file: the contract, performance documents (invoices, certificates of completion, CMR waybills), supporting-document reports, and payment orders. The bank keeps the file for 3 years after the contract obligations end. All document exchange is handled through online banking or in person, at the client's choice.
The most common mistakes: no amount or deadlines stated in the contract, a vague description of the subject without an HS code, incomplete details of the foreign counterparty (missing SWIFT or address), or a mismatch between the amount in the contract and in the payment document. Our generator rules out all of these mistakes — the document is built with the mandatory sections required by Instruction 181-I.
If the amount, deadlines, or details change in a contract already registered, the bank must be notified and an additional agreement submitted. The bank updates the file within 1 business day. The registration number itself doesn't change — it remains the single identifier for the deal for its entire term.
EN
RU
中文