Reliable bank for individual entrepreneurs. Where is it better to open a current account for an individual entrepreneur or LLC? How not to choose a bank for an individual entrepreneur

Hello, dear readers! Igor Eremenko, entrepreneur and author of the SlonoDrom.Ru resource, is in touch. Today we will talk about where it is more profitable to open a current account for an individual entrepreneur or LLC in 2019.

Several years ago, when opening an individual entrepreneur for the first time, I was faced with the question: in which bank to open a current account. If you have already opened or are just planning or, then most likely you have also asked yourself this question.

In this article I will present to your attention a detailed overview of the tariffs of reliable banks for opening and servicing a current account.

After reading the article you will learn:

1. What important criteria do banks need to present when opening a current account?
2. What fees and tariffs are established for banking services for a current account?
3. Which bank is better to open a current account?

So, let's find out which bank provides the best conditions for business owners! 🙂

1. Criteria for choosing a bank to open a current account

When choosing a bank, we will be guided by the following key criteria (the higher the criterion, the more significant it is):

1. Bank reliability
2. Cost of service (tariffs and commissions)
3. Availability and functionality of Internet banking
4. Opening cost
5. Interest on balance

I. Bank reliability is one of the important criteria that must be taken into account. Since the funds of legal entities in bank accounts are not insured, in the event of a bank bankruptcy, you can permanently lose all your money. Recently, it is no longer uncommon for the Central Bank to revoke the licenses of commercial banks.

Important!
One of my friends lost more than 3 million rubles. in one of the banks as a result of its bankruptcy. Neither the state nor the bank returned this money.

II. Maintenance cost— includes commissions, monthly and additional payments for servicing the current account. One of the important criteria along with the reliability of the bank.

Personal experience:
When I opened a current account for the first time, I noticed that most banks have virtually no different functionality, but the price for services differs several times. Therefore, it makes no sense to overpay for the services of a current account (especially when the business is not yet making money)!

III. Availability and functionality of Internet banking. Since in modern times any payment transaction can be carried out via the Internet without visiting the bank and waiting in queues, the presence of Internet banking is a very important addition to the current account.

The functionality of online banking is also important, so that it is clear and easy to use.

IV. Opening cost- This is a one-time amount of money paid for opening a current account. On average, the cost of opening a current account ranges from 500 to 2,000 rubles. Some banks do not charge money at all for opening a bank account. Not the most important criterion, but it is also worth considering.

V. Interest on balance- this is the monthly amount accrued on the account balance according to the current interest rate. A good addition to your current account so that your money always works.

Even 2-8% interest per annum can provide good additional income!

2. Which bank is better to open a current account for an individual entrepreneur or LLC in 2019: TOP 8 banks - review of tariffs

For all tariff plans.

For free: mobile and internet banking, SMS info, salary and corporate cards.

The operating day is almost a day: from 1 to 20 hours Moscow time.

A current account is opened online in 3 minutes, all necessary documents will be delivered to your home or office free of charge.

+ there is built-in free accounting!

Eat. Great.

One of the best online banks in Russia. Clear and simple interface. Fast processing of transactions. Completely free. Additional partner bonuses are provided: for advertising, online accounting, corporate communications...

IV. Opening cost. For free.

V. Interest on the balance. Eat. High.

Tariff "Simple" - up to 4% on the balance. Tariff “Advanced” and “Professional” up to 6% on the balance.

You can go to the bank’s website and find out all the benefits of a current account

2. Modulbank

is a medium-sized bank that works exclusively with small businesses. It has good conditions for servicing current accounts.

I. Reliability — 4 out of 5 points. Above average.

The bank has existed since 1992. Stable bank. Since 2016, it has been working only with small businesses. Commercial bank, without the participation of state capital. Sovcombank owns 24% of the shares.

I I. Cost of service. Low.

There are 3 tariffs to choose from:

1. Starting — 0 rub.
— Free payments are not provided. Carrying out 1 payment transaction will cost 90 rubles.
— The commission for withdrawals depends on the withdrawal amount: 1% (up to 100 thousand rubles), 3% (from 100,001 to 300,000 rubles), etc. Depositing funds at Modulbank offices and ATMs is free, through other banks - according to the commission of a third-party bank.
— Transfer to cards/accounts of individuals — 90 rubles.
— One free corporate card.

2. Optimal - 490 rub.
— Making 1 payment will cost 19 rubles.
— When withdrawing cash up to 50,000 rubles/month. there is no commission, up to 300,000 - 1% commission, up to 500,000 - 3% commission, etc. Depositing money into a current account at Modulbank offices and ATMs is free; through other banks and ATMs, third-party bank commissions are charged.
— Transfer to cards/accounts of individuals — 19 rubles.
— Corporate cards — 2 free.

3. Unlimited - 3,000 rubles.
— Unlimited number of non-cash payments.
— For withdrawals up to 100,000 there is no commission, up to 500,000 - a 1% commission, up to 1 million rubles - a 5% commission, over 20%. There is also no commission for depositing funds, provided that the deposit is made at the offices and terminals of Modulbank and its partners.
— Free transfers to cards/accounts of individuals.
— 5 free corporate cards.

For all tariff plans.

Free Internet bank,mobile banking, SMS notification.

Operating day: from 9 to 20:30. Payments are credited in 10 minutes.

It is also possible to open a current account via the Internet and immediately receive its number. The contract will be delivered to you at any convenient time.

III. Availability and functionality ь Internet banking. Eat. Great.

Modern, clear and simple online banking. One of the best.

IV. Opening cost. For free.

V. Interest on the balance. Eat. Average.

No interest is accrued on the “Start” tariff, 3% on the balance on the “Optimal” tariff, and 5% on the “Unlimited” tariff.

You can find out more about the current account in ModulBank!

3. Ural Bank for Reconstruction and Development

is another popular bank that provides the opportunity for shareware maintenance of a current account.

I. Reliability — 4 out of 5 points. Above average.

The bank was founded back in 1990, one of the largest banks in the Urals. Included in the TOP-50 credit institutions in Russia. Without the participation of state capital.

II. Maintenance cost. Below average - Average.

Tariff conditions vary significantly in different cities. Generally, in large cities with a population of over a million, service tariffs are significantly higher than in other cities of the country. At the same time, in cities with a population of over a million, there is no possibility of free service.

The bank offers a lot of tariffs, we will consider the 2 most optimal ones.

1. Tariff “Everything is simple” - 0 rub.
(from 300 rub./month in large cities)
— The cost of one payment is 55 rubles (without subscription fee) and from 22 rubles. (if you have a subscription fee).
— Cash withdrawals through UBRD ATMs — 1%, through ATMs of third-party banks — 3%. Depositing cash in some cities is free, in others from 0.1%.
— 1 free corporate card.

— SMS notification — 39 rubles/month.

2. “Online” tariff - from 350 rubles/month
— Making 1 payment costs from 19 rubles. depending on the city.
— The commission for cash withdrawal is the same: 1% at UBRD ATMs, at other ATMs — 3%. The commission for depositing funds into an account depends on the city, in most cases it is free, in others it is from 0.1%.
— One corporate card is free.

— SMS notification — 39 rubles/month.

Free For all tariffs.Internet banking,

mobile bank (view transactions).

Operating day: from 9 to 18:30.

You can submit an application for opening a current account via the Internet, and a bank specialist will come to you at a convenient time to complete the documents. III. Availability and functionality of Internet banking.

Eat. Average level.

Internet bank is average in terms of functionality.

IV. Opening cost. A huge drawback is the virtual absence of a mobile bank. Through it, you can only view account transactions, but to create a payment transaction you will have to use the full version of Internet banking.

V. Interest on the balance. For free. In some cities and tariffs - from 700 rubles.

No.

No interest is charged on the balance.

1.2 Current account in the largest banks in Russia - TOP 5 banks

Now let’s move on to a review of the well-known and largest banks in the country: Sberbank, VTB24, Alfa-Bank. The reliability of these banks is the highest, since they are for the most part key in the Russian financial system, and their bankruptcy will mean that there are very serious problems in the entire economy.

Moreover, even in conditions of a deep crisis, they will be financially supported by the state.

As you yourself already understood, the risks of bankruptcy of such banks are extremely small. However, with regard to the cost of service, the price, as a rule, is an order of magnitude higher than that of “second” tier banks.

1. Sberbank

4. Bank Tochka (Opening)

5. Conclusion

In any case, when choosing a bank, proceed from your own preferences and needs. If you have already had experience working with banks and have something to share, leave your opinion and feedback in the comments below.

That's all for me! I wish you successful business!

An individual entrepreneur can work without opening a current account. It is required only for non-cash payments. If you plan to accept payments by bank transfer and make transfers online, choose a reliable bank and open an account as an individual entrepreneur.

When an entrepreneur needs a current account

Having registered an individual entrepreneur, you can make payments only in cash, including paying taxes. Situations when opening a bank account is necessary:

• you enter into an agreement with an individual entrepreneur or LLC for an amount of 100 thousand rubles. – such payments can only be made in non-cash form, even if payments are made in installments;
• You have a cash balance limit set - the amount above it will have to be deposited at the bank daily, and for this you need a current account.

Situations when it is more convenient to use cashless payments:

• you maintain a staff and regularly pay taxes - paying through Internet banking is faster than going to a credit institution yourself;
• you cooperate with large companies (suppliers or customers).

Formally, it is not prohibited to use an individual’s current account for business activities. However, banks have an extremely negative attitude towards citizens trying to conduct transactions related to payment for goods and services through them. The transfer of funds may be blocked, which causes enormous inconvenience for business.

Having a current account makes doing business easier

How to open an individual entrepreneur current account

Select the bank where you will keep your account. Pay attention to the cost of service and interest on financial transactions. To start working with the bank you will need the following set of documents:

• OGRNIP certificate;
• a document confirming registration with the funds;
• passport;
• card with samples of authorized signatures and seals;
• licenses for activities subject to licensing.

At each credit institution, managers may require additional documents in addition to the standard ones.

To visit the bank you will need documents confirming the identity and legal status of the entrepreneur

Criteria for choosing a bank for business

There are dozens of signs by which you can choose a reliable and convenient credit institution, the main thing is to focus on your needs. Decide what is more important: paying less for services or using online banking and additional services.

The main criteria for choosing a bank to open a current account:

• reliability;
• convenience of calculations;
• possibility of online transfers (client-bank);
• cost of maintenance and financial transactions;
• Additional services.

Bank reliability

Sustainability is the first selection criterion. A credit institution may provide an excellent range of services, but if its license is revoked one day, you will lose some of the money invested.

Find large banks in your city and make a reliability rating. Use portals that publish information about banks in the city, study analytics for the last year and the situation with licenses.

Sberbank is considered the first most reliable bank in Russia - it is chosen despite the high cost of service.

Trust banks with a good reputation, strong business partners and a rich track record. Pay attention to the age of the organizations.

Ease of maintenance

A credit institution must serve clients quickly, managers must accurately fill out documentation, and the Internet bank must operate without failures.

Criteria by which you can evaluate ease of service:

• a large number of terminals in the city;
• cash withdrawal options;
• timing of operations;
• servicing legal entities and individual entrepreneurs without queues.

An entrepreneur must solve the problems of business development, and not wait until the operational employees of a credit institution pay attention to him.

A good bank is distinguished by friendly and competent staff, as well as the absence of queues

Availability of Internet banking

Client-bank, otherwise online banking, is a program for managing a current account that allows you to remotely carry out secure financial transactions: view balances and receipt history, pay bills and make transfers.

There are two options for connecting to online banking:

• using a password via the Internet;
• through a program installed on the computer using a token key, which automatically generates passwords each time you connect.

The experience of entrepreneurs says that the second option is more reliable.

The client-bank can work through a browser or a program locally installed on the computer

Cost of account maintenance and withdrawal of funds

Maintenance costs consist of the amount you pay to open an account, as well as monthly fees and commissions.

The cost of opening varies from 0 to 2 thousand rubles, the subscription fee for maintaining an account is within 3.5 thousand rubles. Most banks do not charge a service fee if there is no account movement in a month. Transaction commission - 0.7–2.0% or 25–120 rubles, depending on the transfer amount.

• transfer to a salary card;
• using a checkbook, writing yourself a check and bringing it to the office.

Banks require scrupulous filling out of checks, and money can only be received the next day after contacting the office. To withdraw funds, it is more convenient to use a card, therefore, when choosing a bank, make sure that it works with salary projects and allows you to transfer funds from a current account to an individual entrepreneur’s personal card without unnecessary delays.

Transferring funds using a plastic card allows you to optimize the cash flow of an entrepreneur’s business

Bank rating 2018

In 2018, the first places in terms of reliability in the ratings of Forbes magazine analysts are shared by large banks that have existed for many years and young high-tech organizations. Among the “veterans” there are:

• Rosbank,
• UniCredit Bank,
• Raiffeisenbank,
• Sberbank,
• Citibank,
• Nordea Bank,
• Gazprombank,
• Alfa Bank,
• Rosselkhozbank

Beginning banks that are rapidly gaining popularity:

• OTP-Bank.

The entire list of reliable banks can be found.

According to the portal banki.ru in 2018, the TOP 5 financially reliable credit institutions include:

• Sberbank - despite its advanced age, constantly improves the level of customer service and introduces new technologies;
• VTB - ranks high in the cost of account servicing for individual entrepreneurs, offers loyalty programs;
• Gazprombank - despite the small number of branches, is actively developing remote work with clients through the website;
• Rosselkhozbank - known for its 100% state participation, offers lending as part of state support for small businesses;
• Alfa Bank - offers a complex of settlement and cash services, leasing and factoring, and other services.

Where is it more profitable to open an individual entrepreneur current account: comparison of tariffs

When choosing a credit institution, compare tariffs, commissions and terms of transactions. Some offer free service, others offer several trial months of work, and others immediately charge you for maintaining an account.

Table: terms of service for banks with a subscription fee

Criterion	Sberbank	Alfa Bank	Ural Bank for Reconstruction and Development	Dot	Vanguard
Cost of opening an account	from 1500 rub.	for free	for free	for free	1 thousand rub. when applying online; 3 thousand rubles. when submitting an application in person.
Service cost	from 1500 rub./month.	from 850 rub./month.	from 300 rub./month, depending on the region	500–7500 rub./month, depending on the region and tariff	900 rub./month.
Opening dates	from 1 day	3 days	1 day	5 minutes - 1 day	1 day
Internet bank	+ included in the service	+ 990 rub. for connection	+ for free	+ for free	+ for free
Mobile banking/SMS	-/+	+ free of charge, for making payments - 59 rubles/month.	+/+ free only viewing transactions/39 RUR/month.	+/+ for free	-/+ up to 500 rub./month.
Operation day	from 9.30 to 20.00	from 9.00 to 19.30	from 9.00 to 18.30	from 00.00 to 21.00	from 9.00 to 17.30
Commission for transfer to legal entities	from 100 rub. for translation	less than 5 payments - 25 rub. for a transfer over 5 payments - 250 rubles;	25 rub. for translation	free 5, 100 and 500 payments, depending on the tariff, above the package - 50 rubles, 40 rubles, 30 rubles. for translation accordingly	25 rub. for translation
Commission for transfer to individuals	1% of the transfer amount	no data	no data	free up to 500 thousand rubles.	25–30 rub. for translation; limit - 300,000 rub./month.
Cash withdrawal from an ATM	1% of the amount	tariff commission	1% at UBRD ATMs, 3% at other ATMs	free up to 10,000 rub., 50,000 rub. and 100,000 rubles, in accordance with the tariff; at any ATMs	approximately 1.2%
Cash	no data	+ free up to the tariff limit, over - 0.07% of the amount	+ no commission	free at Otkritie ATMs	no data

Table: tariffs and terms of service of banks without a subscription fee

Criterion	"Tinkoff"	"ModulBank"	"Promsvyazbank"
Cost of opening an account	For free	For free	From 0 rub., depending on the tariff
Service cost	Free for the first 2 months and if there are no transactions on the account; according to the “Simple” tariff - 490 rubles/month; “Advanced” - 990 rub./month.	tariff 1 - free; tariff 2 – 490 rub./month; tariff 3 – 3 thousand rubles/month.	Free for the first 3 months, then from 400 rubles. per month
Opening dates	5 minutes	5 minutes - 1 day	1 day
Internet bank	+ for free	+ for free	+ for free
Mobile banking/SMS	+/+ for free	+/+ for free	+/+ for free
Operation day	From 7.00 to 21.00	From 9.00 to 20.30	From 9.00 to 21.00
Commission for transfer to legal entities	“Simple” tariff: 3 transfers free of charge, others 49 rubles/translation; “Advanced” tariff: 10 translations free of charge, others - 29 rubles/translation.	tariff 1 – 90 rubles/transfer; tariff 2 – 15 rubles/transfer; tariff 3 – 0 rub./transfer. When transferring more than 250 thousand rubles. – 10% of the amount over the limit	free up to 5 transfers via online bank
Commission for transfer to individuals	+ no commission on Tinkoff cards	tariff 1 – 90 rubles/transfer; tariff 2 – 15 rubles/transfer; tariff 3 - 0 rub./transfer. When transferring more than 250 thousand rubles/day. – 10% of the amount over the limit.	+ commission is charged
Cash withdrawal from an ATM	“Simple” tariff: 1.5%, when withdrawing up to 400,000 rubles/month; 0% when transferring to a personal Tinkoff Black card up to RUB 400,000/month; “Advanced” tariff: 0% for withdrawals up to RUB 200,000. per month; next 400,000 rub. - 1%.	0–15%, depending on the amount	Approximately 1.2%
Cash	tariff “Simple” 299 rub. for any amount; “Advanced” tariff - free for the first 100,000 rubles per month, then from 0.25% when depositing from 100,000 rubles. at a time. Unlimited cash deposit costs RUB 1,990. per month.	The commission depends on the bank through which the deposit is made	For free

Video: why an individual entrepreneur’s current account in Sberbank is convenient

Trade acquiring for individual entrepreneurs

Merchant acquiring is a service that banks provide to entrepreneurs so that their clients can pay with cards. To introduce acquiring into your company’s work, you will have to choose a bank. You can activate the service at the same bank where you maintain your current account, or at any other. You will be provided with equipment and system maintenance.

If you have an acquiring service connected, it means that clients can pay with bank cards through a landline or mobile terminal

Advantages of acquiring

Payments using bank cards are more convenient than cash transactions. Advantages of acquiring for an entrepreneur:

• increasing the company's competitiveness;
• increasing turnover by attracting new clients;
• reducing the risk of receiving a counterfeit banknote;
• the opportunity to attract customers with credit cards, increasing the average bill;
• increasing the speed of cash transactions;
• payment security guarantee.

Banks offer acquiring under different conditions. Choose by carefully studying all offers. Key criteria are connection costs and transaction fees.

Table: comparison of bank tariffs for acquiring services

Criterion	Russian standard	ModulBank	Dot	Raiffeisen Bank	VTB 24	Sberbank
Connection cost	from 12 thousand rubles.	For free	For free	490–29,990 rub. per terminal	0–16 thousand rub.	Calculated individually
Cost of equipment	Included in the connection price	CTLS/GPRS wired terminal - 24.5 thousand rubles; GPRS wireless - 30 thousand rubles; Wi-Fi wireless - 33 thousand rubles.	23–31 thousand rubles, there is a portable terminal	Rent 190–990 rub. per terminal	stationary terminal - from 10 thousand rubles; portable POS terminal - from 16 thousand rubles; terminal maintenance - up to 1 thousand rubles/month.	Calculated individually
Transaction fee	2,5%	1,9%	1,6–2,3%	1,9–2,2%	Depends on the turnover per terminal: up to 100 thousand rubles/month - 2.7%; 100–150 thousand rubles/month. - 2.2%; over 150 thousand rubles/month. - 1.6%.	1.8–4%, depends on turnover
Others	Works with a current account in another bank	The equipment is set up by bank employees	The terminal can be rented, and after a year it will become your property	As turnover increases, commissions and other payments increase	There is a “Small Business” tariff offering preferential terms of service	The terminal is available for rent; at low speeds it can be taken away

How to activate the service

Having chosen a bank, submit an application to connect acquiring online or by contacting the manager in person. When your candidacy is approved, collect a package of documents and enter into agreements for equipment rental and maintenance.

Some banks require you to maintain a current account with them in order to connect acquiring.

Documents for connecting the service:

• passport;
• OGRNIP certificate;
• certificate of absence of debt;
• certificate of availability of a current account;
• others on request.

Bank employees will provide and configure equipment for operation and perform a test run. After the test you can use the terminal.

The presence of a current account and a terminal for paying with bank cards significantly increases the influx of clients to the company. Thanks to the convenience of payments, even those who have previously purchased goods or ordered services from competitors will contact you. The main thing is to choose the most advantageous offer so as not to overpay for banking services.

And he has the right to make only cash payments, observing the established limit of 100 thousand rubles. However, by working in this way, you deprive customers and clients of the opportunity to pay by card or online, and you deprive yourself of the convenience of managing your money. There is an abundance of offers in the financial market, and we decided to figure out which bank is better to open a current account for individual entrepreneurs in 2019.

Criteria for choosing a bank for individual entrepreneurs

What should be the best bank to open an individual entrepreneur account? Reliable, easy to use and inexpensive to maintain. But that is not all. A typical entrepreneur's business is a retail outlet where most customers pay in cash. At the same time, payments with suppliers are carried out, as a rule, by bank transfer. Accordingly, the commission percentage when depositing cash into the account should be profitable.

Another important issue for an entrepreneur is the ability to transfer money for personal needs without extra costs. A good way to avoid paying commissions for cash withdrawals is to apply for a card in your name as an individual. If such a card is opened in the same banking institution as the individual entrepreneur’s account, then no transfer fee is charged. The main thing is that the owner of the card is the entrepreneur himself, and not his spouse, for example.

In our opinion, the best bank for individual entrepreneurs must meet the following necessary criteria:

1. Enter . Since 2014, entrepreneurs have been equated to ordinary individuals. This means that if a bank’s license is revoked, they are guaranteed a refund, but not more than 1,400,000 rubles. In this sense, an individual entrepreneur is in a better position than an LLC, because such a guarantee does not apply to organizations.
2. Offer different tariff packages of services and special loan products. It is important for small businesses to be able to choose only the services they need, so as not to incur unnecessary costs. Many banks offer inexpensive tariff plans, within which a limited number of payments are made; restrictions may also apply to the amount of turnover per month or year.
3. Allow you to carry out transactions on your current account from any device connected to the Internet. When it comes to convenience, the online payment feature is the main criterion when choosing the best bank for small businesses.

Less significant, but also important signs of the best bank include the cost of opening a current account, the speed of transactions, the presence of many branches and branches in different cities.

To select a current account, try our bank tariff calculator:

Are you planning to open your own business? Don't forget to reserve your current account. To select a current account, try our bank tariff calculator:

The calculator will select the most advantageous bank offer for settlement and cash services for your business. Enter the volume of transactions you plan to make per month, and the calculator will show the tariffs of banks with suitable conditions.

Our rating of the best banks for individual entrepreneurs in 2019

International and Russian rating agencies compile ratings based on financial indicators: assets, profit, creditworthiness. Of course, a good bank should not only offer clients favorable conditions, but also take care of its financial stability. When compiling our rating, we took into account the opinion of professional experts, customer reviews and the criteria discussed above for choosing the best bank for individual entrepreneurs.

From the top 30 banks according to the banki.ru portal (the rating is compiled using public reporting on the Central Bank website), we selected five institutions in which we recommend opening an individual entrepreneur account in 2019.

Tinkoff Bank. It takes first place in the Business Banking Fees Rank 2017 in terms of the cost of servicing Individual Entrepreneurs and first place in terms of the cost of servicing B2B services. Second place in the independent national rating of banks on banki.ru for quality of services. Ideal for beginning entrepreneurs and for all those who are not ready to spend heavily on banking services.

Tinkoff Bank ready to offer to users of our website as part of the loyalty program 7 months free service for new individual entrepreneurs (registration less than six months ago).

​

Alfa Bank. Main areas: full range of settlement services, corporate and investment business, leasing and factoring, trade finance. Our users, having opened an account here, receive additional bonuses: a promo code for advertising in Yandex.Direct, a free month of Beeline communications, a gift certificate for recruiting from HeadHunter.

Bank opening. The bank has been operating in the financial market since 1993 and is included in the list of systemically important credit institutions in Russia. Serves 2.7 million individuals and about 190 thousand legal entities. Present in 61 regions of the Russian Federation, has 442 offices. Supports beginners and experienced participants in foreign economic activity, accompanies and finances foreign trade contracts on favorable terms.

Sberbank. The largest credit institution in Russia, with a reputation as the most reliable bank. In recent years, it has been actively working to improve its service, which has allowed it to receive the title of the bank with the best customer support of 2015 according to banki.ru.

VTB. A bank with state participation, which enjoys special trust from individuals. According to all significant indicators, it is consistently included in the TOP 5 banks in Russia. For small businesses participating in government procurement, the bank provides guarantees to secure obligations under contracts.

Comparison of RKO tariffs

The more transactions are carried out on the account, the higher the cost of servicing. Let's see what expenses an individual entrepreneur will have when maintaining an account in the top five banks.

Bank and rate	Alpha "1%"	Tinkoff Bank "Simple»	Sberbank "Easy start"	VTB "Start"	Opening "First step"
Opening an account			Card certification 450 rub.	Card certification 200 rub.
Service per month		0*	0	1000 rub.	0
Cost of electronic payment		3 payments free, then 49 rubles.	up to 3 payments free, then 100r	up to 5 payments are free, then 100 rubles.	up to 3 payments free, then 79 rub.
Transfer for personal needs of individual entrepreneurs	Up to 150,000 rub. per month free of charge, then 1%, not less than 100 rubles.	Up to 400,000 rub. free per month, then 1.5%, but not less than 99 rubles.	Up to 150,000 rub. free per month, then 1%	1% of the amount up to RUB 600,000, then from 3%
Refill		0.3%, minimum 290 rub.

(*) If an entrepreneur opens an account with Tinkoff Bank as part of the loyalty program.

In this article I will tell you what parameters you CAN and CANNOT choose a bank for servicing a current account. And it doesn’t even matter if you are an individual entrepreneur or an LLC.

By the way, recently my bank almost lost its license. It all started when in December 2015 they called me from the business center where I rent an office and informed me that the office had still not been paid for.

I was surprised, to put it mildly, since the payment was sent several days ago and usually arrived in the business center’s bank account the next day.

Without having time to log into the online client bank, they called me back from the business center and informed me that all their tenants with accounts in my bank were in arrears in paying rent.

In the end, it all came down to the fact that my bank stopped processing payments. The alarm bell rang...

What I'll tell you about:

1. How did I almost lose my money?
2. Which bank to choose for an individual entrepreneur?
3. What parameters CANNOT be chosen by?
4. What parameters SHOULD you choose?
5. 3 most important tips!

Which bank to choose for an individual entrepreneur?

There is nothing “more pleasant” than the feeling that your main bank is one step away from bankruptcy. I'll tell you how it was.

How did I almost lose my money?

By the way, there were no signs of trouble. I have been served by this bank for more than 5 years and all problems were resolved instantly.

Having learned that the bank had stopped making payments, I immediately contacted them and took all possible actions to return at least part of the working money.

Unfortunately, nothing came of it:

No cash was issued;
Cashless payments were not accepted;
And even a personal acquaintance with the chief specialist for individual entrepreneurs in this bank did not help me get my money out.

Without going into details, I will say that after 3 months the money was unblocked and the bank continued its work, so it doesn’t even make sense to mention the name of this bank. But, having such a negative experience behind me, I have already begun full-time work on finding a new bank to maintain a current account.

And then I remembered, how did I even make my initial choice? I think I have collected all possible errors at this stage :)

How NOT to choose a bank for an individual entrepreneur?

Having talked a lot with those who opened individual entrepreneurs in the last few years, I compiled a hit parade of the most basic mistakes. By what criteria do they not do this!

By distance to home

“Only three blocks from my house, because I have to go there so often!“- I thought.

In fact, you will only need to visit a bank branch 3-4 times at the beginning, and then you won’t go there much. Maximum – for withdrawing cash with a checkbook. But, believe me, it’s easier to transfer money to your personal card.

Step #2.
In the block with reviews, select reviews for the “Service for Legal Entities” service:

Now you will see reviews only from individual entrepreneurs or LLCs.

Ignore the bad reviews. It is much more important to study the bank’s responses to negative reviews. If problems are solved, this is a good sign.

Calculate the cost of banking services

What does the monthly service cost consist of:

Maintaining the account itself.
This is a payment for the very fact of having a bank account. Varies from 0 to 2000 rubles per month. On average, about 600-800 rubles/month.

Working in an online bank client.
If you don’t want to walk to the bank and send payment orders through an operator, then be sure to connect yourself to a client bank and you will be able to do all operations through a computer. In isolated cases, through a mobile application.

The cost of using a bank client is often included in the cost of service. If separately, then 500-1000 rubles.

SMS information.
Do you want to be aware of receipts and debits from your account? Please pay here too. On average 50-150 rubles per month.

The cost of executing payment orders.
Namely, how much you will pay for processing your payment order (this is when you send money to someone). Up to 59 rubles per payment. The average cost is 20-35 rubles.

How to choose the right service plan?

Very often the cost depends greatly on the number of payment orders you send. If, for example, you plan to actively work with Russian suppliers and send payments frequently, then immediately select a tariff with the number of payments you need per month.

If there are few outgoing payments, then you can take a cheaper tariff, but with a higher cost of payments. You have to count :)

The costs of opening and maintaining an account in the first months can be contributed to.

Is there integration with My Business or Elba?

I have already said more than once that I do my accounting in , which I am very pleased with (there is also more for those who open a store). And before moving to Promsvyazbank, I had to enter all my income and expenses by hand.

1. Current account statements are downloaded automatically.
2. Documents are generated automatically.
3. Payments fly to the bank themselves.
4. There is no need to go to the tax office either.

At the time of writing (July 2016), My Business is integrated with the following banks:

I advise you to automate such routine processes from the very beginning and feel free to outsource your accounting. Well, so that the bank you choose for your individual entrepreneur supports integration.

Does the bank client work on the operating systems you need?

Immediately check with your bank what operating systems the client bank operates on.

1. There are usually no problems with Windows XP/7/8/10.
2. Mac OSX is already sometimes questionable. For example, my bank client seems to be working, but with freezes and crashes. It’s not annoying, but sometimes there is instability in work.
3. Linux and similar operating systems are usually in trouble.

Keep this in mind.

What security systems does the bank offer for its clients?

The security of individual entrepreneur and LLC accounts is subject to much higher requirements and the only advice I can give you at this stage is: Don't skimp on eToken or similar security system that your bank offers.

Its essence is that payments will be made only if a special flash drive is inserted into the USB port of your computer. Without it, you can at most view the statement (not always), but there is no way to make payments.

eToken appearance:

Don't forget to order it!

Is there an SMS service?

SMS service is convenient because when funds are received/debited, you immediately receive a notification on your phone.

Costs around 150 rubles per month.

Whether you choose or not is at your discretion. I use it, it’s convenient.

How much does it cost to transfer money to a card?

This is perhaps one of the key issues for individual entrepreneurs, since the individual entrepreneur has every right to withdraw all earned funds to his own card.

Most banks charge a fee for withdrawing money to your plastic card. Usually there is no commission for withdrawals of up to 100,000 rubles per month. Further on in an increasing manner.

For some, this is a key point in choosing a bank for your individual entrepreneur, so immediately check the amount of commissions.

Another way to withdraw cash from a personal account account is a checkbook. It usually looks like this:

You fill out the check, go to the cashier, get cash. There will be a commission in any case, usually about 1% of the amount.

What if the license was taken away?

Anything can happen. I was on the verge of revoking the license at my bank, but I was lucky, so I can’t tell you the algorithm of actions when revoking a license.

Tip #1.
To all individual entrepreneurs: do not keep more than 1,400,000 rubles in your accounts, since this is the amount that is covered by the Deposit Insurance Agency (DIA) when the license is revoked (for 2016). LLCs do not fall under this rule; they risk all their money.

Tip #2.
Choose large banks that stand confidently on their feet.
After the situation that happened, I fundamentally considered only the top 30 banks. Although this is not a panacea.

Tip #3.
Choose banks with integration with . This will greatly simplify your life. Take my word for it :)

And remember that choosing the right bank for your individual entrepreneur guarantees you quiet work, fast transfers and convenient service. By the way, here you can read what you can do :)

If you have any other ideas or tips, write in the comments, I will gradually update the article.

I will also be happy to advise you on any questions.
Thank you! :)

In this article we will figure out where to open a current account in 2019. Let's consider the tariffs for opening, servicing an account and the terms and conditions of cash settlement services of popular banks. You will also find out whether a current account is needed for individual entrepreneurs and LLCs, and who notifies the tax office about its opening.

Where to open a current account - comparison of tariffs

If you are faced with the task of choosing a bank to open an account, then you need to take into account many parameters: its reliability rating, range of additional services, quality of service, etc. Prices for services often play a decisive role.

We have prepared for you a table with tariffs for maintaining an account in popular banks:

Bank's name	Opening cost	Service cost
	0 rub.	TP “Simple” - 490 rub. TP “Advanced” - 1,990 rub. TP “Professional” - 4,990 rub.
	0 rub.	TP “Required minimum” - 0 rub. TP “Golden Mean” - 500 rub. TP “All the best at once” - 2,500 rub.
	0 rub.	TP “Start” - 0 rub. TP “Optimal” - 690 rub. TP “Unlimited” - 4,900 rub.
	0 rub.	TP "Economy" - 0 rub. TP “Optimal” - 790 rub. TP “All inclusive” - 4,790 rub.
	0 rub.	TP “Start” - 0 rub. TP "Optima" - 990 rub. TP "Unlimited" - 4,990 rub.
	0 rub.	TP “Tariff 1%” - 0 rub. TP "Electronic" - 1,440 rub. TP “Success” - 2,100 rub. TP "Alfa-Business Foreign Economic Activity" - 3,200 rub. TP "Wholesaler" - 3,200 rub. TP “Everything you need” - 9,900 rub.
	0 rub.	TP “Business Start” - 0 rub. TP “Pay less” - 399 rub. TP "Business Light" - 1,050 rub. TP “Business 24×7” - 1,600 rub. TP "Business Check" - 2,290 rub. TP “My Business” - 1,800 rub.
	0 rub.	TP “Easy Start” - 0 rub. TP “Lucky Season” - 490 rub. TP “Good Revenue” - 990 rub. TP “Active settlements” - 2,460 rubles. TP “Great Opportunities” - 9,600 rub.
	0 rub.	TP “Favorable start” - 0 rub. TP “Active growth” - 990 rub. TP “More opportunities” - 1,790 rub. TP “Reliable solution” - 3,100 rub. TP "Major League" - 7,590 rub.
	0 rub.	S - free. M - 990 rub./month. L - 4,990 rub./month.
	0 rub.	TP “Your Start” - 490 rub. TP “Your online” - 1,390 rub. TP “Your success” - 1,990 rub. TP “Your scale” - 3,190 rub. TP “Your World” - 4,290 rub. TP “Your Unlimited” - 8,990 rub.
	0 rub.	TP "Startup" - 0 rub. TP “Basic” - 399 rub. TP "Torgovy" - 1,500 rub. TP “All inclusive” - 3,000 rub.
	0 rub.	TP “Everything is simple” - 0 rub. TP "Economy" - 500 rub. TP “ONLINE” - 700 rub.
	0 rub.	TP “First Step” - 0 rub. TP “Fast growth” - 490 rub. TP “Your Business” - 1,290 rub. TP “The whole world” - 1,990 rub. TP “Open Opportunities” - 7,990 rub.
	0 rub.	TP “Start” - 490 rub. TP “Basic” - 1,900 rub. TP "Optimum" - 2,900 rub. TP "Maximum" - 7,500 rub.
	0 rub.	TP “Start” - 0 rub. TP "Master" - 490 rub. TP “Success” - 1,490 rub. TP “Together” - 0 rub. TP “Start” - 650 rub. TP “Remote” - 1,150 rub. TP “Personal” - 1,850 rub. TP "Profitable" - 3,000 rub.

Now let's look at the advantages of cash settlement services in each bank in more detail.

Tinkoff Bank

Tinkoff received a credit rating of A from the ACRA agency and has repeatedly confirmed it. The operating day lasts from 01:00 to 20:00 (Moscow time). For external payment you need to pay from 19 to 49 rubles. depending on the connected service package. At the same time, for the “Simple” and “Advanced” tariff plans the subscription fee already includes 3 and 10 free payments, respectively.

To withdraw cash by card you will have to pay at least 1% of the amount plus 59 rubles. But individual entrepreneurs will be able to transfer from 400 thousand to 1 million rubles to their own Tinkoff cards without a commission. You can receive up to 6% on your account balance.

When you open an account with Tinkoff, you will receive free accounting, as well as the opportunity to use a huge number of additional services (free salary project, bank guarantees, acquiring, etc.). From 3 months of service you can activate an overdraft.

Mobile and online banking at Tinkoff have repeatedly received high marks for efficiency. And any questions can be resolved with a personal manager via chat.

Dot

Tochka is a project of FC Otkritie Bank. The “Golden Mean” tariff plan provides 10 free payments to other banks, and on the “All the best at once” tariff there will already be 100 of them. If this number is not enough, then for each subsequent transfer you need to pay 60 or 15 rubles, respectively. On the “Required Minimum” TP all translations, including physical ones. persons - free. External payments take place from 00:00 to 20:00 (Moscow time), and intra-bank payments operate around the clock.

You can withdraw cash without commission at the “Required Minimum” tariff, as well as up to 100 thousand rubles. — with the “All the best at once” service package activated. In all other cases you will have to pay at least 1.5% of the amount received.

Internet Banking Points can be easily integrated with any popular accounting programs and services. A free mobile application is available to interact with the bank outside the office. On the “All the best at once” tariff, a 2% cashback is returned for paying taxes.

Modulbank

Modulbank specializes in servicing individual entrepreneurs and small companies. Payments are made from 01:00 to 20:45, and the cost of each payment is from 19 to 90 rubles. On the “Unlimited” tariff, all payments are free. You can withdraw up to 50 thousand rubles from a business card without commission. on TP “Optimal” or up to 100,000 rub. when using the “Unlimited” package. In other cases, the bank commission will be 2.5%.

Up to 7% per annum is charged on the average monthly account balance. In Modulbank’s Internet bank you can not only manage your account, but also view analytics or connect additional services: acquiring, payroll project, accounting, online cash register, etc. Modulbank’s accounting services are free for individual entrepreneurs on the simplified tax system of 6%.

Sovcombank

Sovcombank is a large bank with a wide network of branches and good reliability indicators. According to ACRA, it has been assigned an A rating. External payment processing costs from 15 to 50 rubles.

Cash withdrawal for salary is possible with a commission of 0.5%. When receiving cash for household expenses. needs and other purposes, the tariff will range from 1.1 to 15%.

BCS Bank (Sphere)

BCS Bank has placed great emphasis on servicing legal entities and individual entrepreneurs. And he opened a separate service called Sphere with very competitive rates. There is a free tariff, payment cards starting from 25 rubles, convenient Internet banking and a mobile application, filing reports with the tax office, etc. The sector will provide good competition to market leaders Tinkoff, Tochka and Modulbank.

Loko-Bank

The cost of an external payment card at a bank will range from 19 to 59 rubles. For cash withdrawals to pay salaries, 0.6% is withheld. When receiving cash for other needs, the commission will be higher - from 3%. When you subscribe to the “Unlimited” package, you can withdraw up to 300 thousand rubles from your account per calendar month for free.

An individual entrepreneur from his account in Loko-Bank can transfer up to 500 thousand per month to his own personal account. persons without commission. Account replenishment is available throughout Russia, both in Loko-Bank’s own branches and through the partner network.

To manage your account, you have access to a convenient online banking system. Free funds can be placed on deposits, and if there is a shortage of own money, Loko-Bank will issue a loan together with the SME Corporation.

Promsvyazbank

Currently, 100% of the shares of PSB belong to the DIA, and in the future it is planned to create a support bank on its basis to service the State Defense Order.

Promsvyazbank's tariffs include from 3 to 30 free external payments. Each additional payment will cost 18 - 110 rubles. depending on the selected package. External payments are processed the same day until 20:50.

Withdrawing cash from an account for individual entrepreneurs will cost at least 1.4%. Legal funds from the account are issued to individuals at 0.5%.

Alfa Bank

Alfa-Bank is one of the largest credit institutions in the Russian Federation. Its high level of reliability is confirmed by the ACRA agency (AA rating). External payments are sent from 01:00 to 23:30 (Moscow time). The cost of the payment will be from 0 to 30 rubles. depending on the connected package. Many service packages include 3 – 30 external payments.

Withdrawing cash from a card will cost at least 1.5% of the amount. In the “Wholesaler” and “Everything you need” tariffs, you can cash out 150 and 500 thousand rubles, respectively, for free. Regardless of the connected service package, an individual entrepreneur can transfer up to 100 thousand rubles to a personal account for free.

You can deposit money into accounts and withdraw them through Alfa-Bank ATMs throughout the Russian Federation, and for the convenience of account management, a personal account is available on the website and application. When concluding an agreement on cash settlement services, the credit institution gives gifts and discounts from partners in the amount of up to 150,000 rubles.

Sberbank

This is the oldest and largest bank in the Russian Federation. A controlling stake in a financial institution is owned by the state. Payments are made daily from 7:00 to 23:00. The cost of payment is from 10 to 100 rubles. Tariffs include from 3 to 100 free payments.

Servicing a business card will cost 2,500 rubles. for the second year, and withdrawing money from an ATM using it is at least 1.4% of the amount received. Regardless of the chosen tariff, an individual entrepreneur can transfer up to 150,000 rubles to a personal card in Sberbank for free. per month.

Sberbank will not only open an account for a business, but will also offer many support services (online cash registers, accounting, guarantees, etc.). Account management is carried out through Sberbank Business Online, which integrates with any accounting programs.

When concluding an agreement, Sberbank gives gifts from partners for a total amount of up to 100 thousand rubles.

UBRD

UBRD is a large TOP-50 bank. The cost of the payment, depending on the tariff, will be 25 or 79 rubles. In addition, the “Economy” tariff plan includes 10 payments. On the current banking day, only external transfers sent before 18:00 are processed. IP without charging additional fees. commission can transfer up to 300 thousand rubles to a personal account. per calendar month. Withdrawing funds from the account will cost at least 1.1% of the amount.

Opening

External payments in the bank are carried out from 00:00 to 20:00 (Moscow time). For each of them you will have to pay 25 - 100 rubles. The packages include from 3 and 15 free payments, and there is no fee for transfers on the “Open Opportunities” TP.

To personal accounts persons can be transferred without commission up to 500 thousand rubles. per calendar month, regardless of the connected service package. Cash withdrawals are charged 1 - 10% depending on the connected tariff and the transaction amount.

SKB-bank (DeloBank)

SKB Bank is a large bank based in Yekaterinburg and actively developing throughout Russia. Within its online version - DeloBank - 5 tariffs are available with payments for 25 - 87 rubles. (0 rub. - on the “Major League” TP). When concluding an agreement, a business card is issued as a gift for depositing and withdrawing cash, as well as non-cash transactions. Getting money from an ATM will cost at least 2%.

All paid tariffs provide for the accrual of interest on the balance. There is also the opportunity to open a deposit. In the Internet banking system, you can manage not only your current account, but also your personal account. faces.

Eastern Bank

KB Vostochny is registered in the Amur region, but actively works with clients throughout Russia and is one of the leading banks in the Far East. The basic cost of an external payment is 35 rubles. Many packages include free payment cards: 5 pcs. — in the “Your Start” tariff, 15 pcs. — “Your Online”, 30 pcs. — “Your success”, 60 pcs. - “Your scale” and unlimited quantity - in the “Your Unlimited” TP.

Cash withdrawals will cost a minimum of 1.2% of the amount received. You can withdraw from 10 to 500 thousand rubles without interest. depending on the chosen tariff. There are no fees for using Internet banking, and when opening an account, Vostochny automatically approves an overdraft.

Vesta Bank

For a long time Vesta served only wealthy clients, but then switched to providing services to small businesses. An interbank transfer will cost 20 rubles (for the Startup tariff plan - 89 rubles, for the All Inclusive tariff plan - 200 payments are included in the tariff).

Commission for receiving cash at households. needs will be from 1%. Individual entrepreneurs can transfer money to personal accounts up to 500 thousand rubles without commission. (at TP “Startup” - 300 thousand rubles).

Access to Internet banking is provided free of charge. If necessary, you can connect a salary project, acquiring or open a foreign currency account.

Raiffeisenbank

Raiffeisenbank is part of a large Austrian holding company and has excellent reliability indicators (ACRA rating - AAA). The cost of an external payment in addition to the number of services included in the package will be 25 rubles. This price is the same for all tariffs.

The commission at Raiffeisenbank for issuing cash for salaries will be 0.5% of the amount, and for all other purposes - at least 1.6%. Regarding physical individuals can transfer up to 30 - 700 thousand rubles for free. depending on the tariff.

Expert Bank

Expert Bank is based in the Omsk region, but serves clients throughout Russia. Its distinctive feature is the most honest and open tariffs. The payment will cost from 0 to 85 rubles, and on the “All Inclusive” tariff, sending any payments is included in the tariff.

To withdraw cash and pay business or travel expenses, Expert Bank issues business cards free of charge. On the “Optimal” TP, you can withdraw up to 100,000 rubles from cards without charging a commission, and on the “Unlimited” TP – up to 700,000 rubles.

Where is the best place to open an individual entrepreneur current account?

Here is a list of optimal banks for opening an individual entrepreneur account:

• Tinkoff Bank.
• Dot.
• Modulbank.
• Loko-Bank.
• Expert Bank.
• Promsvyazbank.
• Sphere (BCS Bank).
• Delo Bank (SKB Bank).

Where is it more profitable to open an LLC current account?

List of the best banks for opening an organization account:

• Tinkoff Bank.
• Dot.
• Modulbank.
• Expert Bank.
• Loko-Bank.
• Alfa Bank.
• Sberbank.
• Promsvyazbank.
• Eastern Bank.

Banks opening a current account for free

It takes literally 1 hour to open an account in many banks. Thanks to modern technologies, this procedure is quick, and entrepreneurs do not need to visit bank branches. You can reserve an account via the Internet; the contract and other documents will be delivered by courier.

This simple account opening procedure is free for businessmen. Credit institutions that do not charge a fee for this operation include:

• Tinkoff Bank.
• Dot.
• Modulbank.
• Expert Bank.
• Loko-Bank.
• Alfa Bank.
• Sberbank.
• SKB-bank (DeloBank).
• Promsvyazbank.
• BCS Bank (Sphere).
• Vesta Bank.
• Eastern Bank.
• Raiffeisenbank.
• Sovcombank.

Modulbank, Tochka, Loko-Bank, Sfera, Delobank and others are also ready to offer tariffs without a subscription fee. Other banks (for example, Tinkoff, Alfa-Bank) offer up to 2-3 months of free servicing of a new account.

A package of documents for opening a current account for individual entrepreneurs and LLCs

When opening an account, the bank requires a certain package of papers. Preparing the necessary documents will not take much of your time.

The individual entrepreneur will need a passport and OGRNIP. If the account is opened by a representative, a power of attorney will be required.

Important! The possibility of opening an account by power of attorney must be clarified in advance with the selected bank. Not all banks open accounts through third parties.

List of documents for opening an LLC account:

• Constituent documents (Charter, Memorandum of Association, decision on establishment, etc.).
• Documents for the manager (passport, protocol or decision on appointment to a position).
• Certificate of ownership or lease agreement for an office (not required by all banks).
• Other documents as required by the bank (tax certificate or latest accounting reports, etc.).

Is it necessary to open a current account?

The law does not oblige individual entrepreneurs to open a current account, but LLCs need one. But doing business with it is much more convenient.

We must not forget about the limitation on the maximum transaction amount in cash of 100,000 rubles. Not all companies are ready to renegotiate contracts in order not to violate this norm, and most large suppliers refuse to accept payment for goods (services) in cash.

Should I notify the tax office about opening a current account?

Until May 2014, when opening an account for individual entrepreneurs and legal entities. persons were required to submit a corresponding notification to the Federal Tax Service and insurance funds. But now this responsibility has shifted to the banks. In fact, when opening an account, it is enough to submit an online application to the bank and prepare documents. All other work will be handled by bank employees.

We were happy to help you! If you have any questions, please ask in the comments.