A reliable bank for doing business. Open a current account for IP

Although the law allows entrepreneurial activity without a current account, many Russians still decide to activate this service. This is due to several reasons. Cash payments in our country are allowed only up to 100 thousand rubles. If an organization has an account, this increases its credibility. Where is the best place to go to open it? The rating of banks for individual entrepreneurs will help with this. Each institution offers its own terms of cooperation.

Why do you need an account for an individual entrepreneur?

When you open a current account, you have the right to several operations:

• registration of civil documents;
• performing transactions for large amounts;
• the ability to send funds to legal entities;
• concluding contracts with employees and paying them.

An invoice is required if the entrepreneur takes at least 100 thousand rubles. In its absence, an agreement must be concluded for each delivery. As a result, it will be more expensive and take longer. Moreover, with the help of the bank, the conclusion of documents is more convenient. The organization provides a personal manager who will answer questions about using the account at any time.

Account opening

The procedure does not require much time. You just need to contact the bank. During this process, all rules must be followed, as it is legally binding.

All entrepreneurs decide for themselves whether to open an account or not. The law of the Russian Federation allows an individual to establish an individual entrepreneur without it. But then many procedures will be inaccessible, since large retail stores and other children operate only by bank transfer.

Bank selection

• convenience;
• profitability;
• high customer orientation.

Convenience involves the use of modern technologies in work. This means that the credit institution makes payments through verified channels. Often, to speed up the process, settlement agreements are concluded between large companies. Clients are encouraged to use online programs to manage their accounts. In this case, you do not need to visit the bank office.

The benefit involves collecting small fees for servicing the account. Banks often charge funds for:

• opening an account;
• its management;
• connection to services for remote maintenance;
• online service;
• withdrawal of funds.

Some banks set fees for transferring money. Before opening an account, it is important to familiarize yourself with the rates by comparing them.

Peculiarities

Customer oriented. They do everything to make the work of the individual entrepreneur convenient. Customer focus includes:

• availability of telephone for consultations;
• speed of service;
• positive reviews about the company’s work;
• presence of branches;
• rarity of software failures;
• extended operating day;
• Availability of high-quality encryption channels for security.

In Russia, many institutions are ready to work with entrepreneurs. for individual entrepreneurs is compiled based on the benefits of clients. After reviewing all the programs, you will be able to choose the appropriate option.

Tinkoff Bank

• free account opening;
• 2 months of free service;
• Beginning entrepreneurs are invited to sign up for the “Simple” tariff, which includes six months of free service;
• free up to 10 payments;
• if there is no turnover, there is no need to pay a commission;
• integration into online accounting systems “My Business” and “Kontur”.

Many believe that Tinkoff Bank is the most suitable for business, since it charges interest on the balance, which can be equal to 7%. Services are available online - submitting reports to the Federal Tax Service, issuing insurance and salary cards. Payments are made until 21:00. Tinkoff Bank performs all operations via the Internet, which saves time.

Bank "Tochka" (Otkritie group)

The organization continues for individual entrepreneurs. It is also beneficial for the development of your activities. For the first 3 months of service a 70% discount is given. The balance is charged 7% per annum.

Opening an account is very simple. Specialists come to the office, conclude an agreement, and set up the client bank for activities via the Internet. Opening is free of charge. The advantages include long Internal transfers are carried out throughout the day, and external ones - from 0:00 to 21:00 Moscow time.

"Modulbank"

The rating of banks for opening individual entrepreneurs includes Modulbank. Opening an account is free of charge. This is completed in 1 day. If you wish, you can order a specialist to come to the office, where the documents will be drawn up. The advantages of Modulbank include:

• use of details 5 minutes after opening an account;
• free service for using an online account;
• customer support via online chat, social networks;
• there are mobile applications;
• the operating day lasts from 9 a.m. to 11 p.m.;
• synchronization with accounting systems.

Payments are confirmed by cloud signature and SMS.

UBRD

The rating of banks for opening a current account for individual entrepreneurs also includes Development. You just need to visit the office. A day later the client will have the details. You can fill out an application through the website. Employees call and agree on a deal at a convenient time. Then the account is opened in 1 hour.

UBRD offers tariffs for which there is no account maintenance fee. You just need to pay for the operations performed. Internet banking is provided free of charge. If you are connected to the Light tariff, you will also not have to pay for using the account. To improve security, you can activate the service of informing about completed actions. Then it will be convenient to control movements on the account, because reports will be sent by email.

Sberbank

The institution is also included in the rating of banks for individual entrepreneurs. The current account is issued on favorable terms. Sberbank operates the “Business Environment” project, created to support entrepreneurs. You can open an account with it. A service contract is drawn up within 1 day. Details will be provided after 5 minutes.

Opening an account is free. You can choose one of 50 currencies. The advantage is the long operating day. Payments are made from 6 a.m. to 11 p.m., seven days a week.

"Promsvyazbank"

It offers favorable rates for individual entrepreneurs. Opening an account is free and you can use mobile and online banking. The advantages of such cooperation include:

• 24/7 online payment processing;
• quick and free verification of counterparties;
• synchronization with accountants in 1C and “My Business”.

With this account you can save time and money.

"Vanguard"

• Account verification.
• Accrual of money.
• Receiving and depositing cash.
• Transfer of salaries to cards.

Each entrepreneur must determine for himself which account will be the most profitable for him. Bank ratings for individual entrepreneurs only serve as assistance in this matter. It is advisable that the organization’s offices are located nearby, since many procedures will require a personal visit.

It is also important to have professional telephone support. The listed institutions offer favorable conditions, and therefore cooperation with them will be effective.

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 the portals that publish information about banks in the city, study the 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.

You can withdraw money from your account in two ways:

• 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.
Maintenance 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
Maintenance 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 RUR/translation; “Advanced” tariff: 10 translations for free, 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.

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 almost 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 maintenance. 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.
— There is a commission for withdrawing funds depending on the amount of withdrawal: 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. Medium.

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 free conditional services for 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 look at 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 rub./month.

For all tariffs.

Free 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.

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.

IV. Opening cost. For free. In some cities and tariffs - from 700 rubles.

V. Interest on the balance. 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.

Also, if you found more favorable conditions in other banks, write about it, I will definitely make a review and add it to the article.

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

In order to freely accept payments and carry out payment transactions, an individual entrepreneur must open a current account. How to open it, and where to do it?

Where and how to open an account for individual entrepreneurs

In accordance with the current legislation, individual entrepreneurs and companies do not have the obligation to open a current account in a bank. But this step can become indispensable in following cases:

• if an organization pays taxes non-cash, when an individual acting as a director or founder acts on its behalf;
• if an individual entrepreneur or enterprise plans to enter into an agreement, the amount of which exceeds the mark of 100,000 rubles;
• if individual entrepreneurs or organizations have a cash balance limit set (all funds the amount of which exceeds the established limit are subject to mandatory delivery to a banking institution for subsequent depositing into a current account).

Many individual entrepreneurs in practice use a current account even if they do not need it in the process of carrying out business activities. After all, this tool allows you to conveniently pay contributions and taxes. As for legal entities, they require a current account.

How much does it cost to open a PC for an individual entrepreneur?

Total cost includes the following directions:

• one-time commission payment spent on opening, copying constituent documentation, cards;
• commission paid to the bank for activating the service (its amount is set by the specific bank).

The cost of servicing the PC includes the amount of commission paid monthly, as well as the fee for withdrawing/depositing funds. An important role is played by the bank, tariff, and region of the Russian Federation.

List of documents

The list of documents is set specific financial institution. From January 1, 2016, there is no need to submit a certificate of registration to the Federal Tax Service and subsequent registration. Also, individual entrepreneurs were given the opportunity to open a current account remotely without the need to visit the bank in person. In general, the list of documents looks like in the following way:

• passport;
• a card containing original samples of signatures/seals;
• documentation serving as confirmation of the authority of the persons whose names are written on the card;
• licenses and patents.

In some cases, the bank may request additional papers, the availability of which will speed up the procedure for opening a personal account.

Notification of tax authorities and funds

Since May 2, 2014, clients who have opened a current account in a particular bank are required to report this fact to the tax office. This is stated in Federal Law No. 52 of April 2, 2014.

Previously, individual entrepreneurs had 7 days to contact the territorial tax office and submit a document in form C-09-1. From May 1, 2014, there was an obligation to notify the Pension Fund of the Russian Federation and the Social Insurance Fund within the framework of the norms of Federal Law No. 59 of April 2, 2014.

Review of the best banks for profitable opening (TOP-15)

To have an idea of ​​the conditions offered by certain financial institutions, it is worth familiarizing yourself with them in more detail.

1. Point bank. It offers three tariffs - “Required minimum”, “Golden mean”, “All the best at once”. The advantages include a high level of reliability and virtual customer service. The service package is completed in less than 1 hour. There is a discount on service for the first three months.
2. bank module. At the starter rate, both activation and maintenance are free. If you choose the best option, it implies a monthly fee of 690 rubles. The most expensive package has no limit and costs 4,900 rubles. An account can be opened in 5 minutes, the user gets access to a personal account, and funds are managed via a smartphone. All that is required from the individual entrepreneur is a passport.
3. TINKOFF. Connection to all packages is free, and the cost of service depends on the range of services offered - 490 rubles, 1990 rubles. or 4990 rubles. The grace period for service is 2 months. Payments are sent instantly. Your personal account can be ideally combined with accounting programs.
4. LOKO bank. The starter package is free. The OPTIMA tariff costs 990 rubles, and UNLIMITED costs 4990 rubles. Opening an account takes one minute; all documents can be sent via courier. The price for external payments is 19-59 rubles. depending on their type and character.
5. Sphere (BCS). The service is social and is intended for entrepreneur clients. The cost of servicing the S tariff plan is 0 rubles, M – 990 rubles, L – 4990 rubles. per month Paid plans have a grace period of 3 months. The package includes the provision of many bonuses in the form of free accounting, documentation preparation, digital signature, and corporate card.
6. PROMSVYAZBANK. Offers several packages, varying in price and set of included options. Internal payment transactions are free. You can receive information about completed operations via SMS.
7. Sberbank. The organization offers 5 packages - from “Easy Start” for 0 rubles to “Great Opportunities” for 9,600 rubles. per month. The opening of a PC takes place in just 1 day, and funds are managed virtually. Payments can be made on any day, as there are no weekends. Cash withdrawal costs 0-8%, based on the amount.
8. Expert Bank. There are three service packages. The most expensive one costs 4,790 rubles. The advantages of the service include the following aspects: quick room reservation, free cash issuance, 5% accrual on the balance.
9. SOVCOMBANK. There are also 5 packages, each of which is free to connect to. Account maintenance depends on the selected tariff. “Together” costs 0 rubles, “Start” - 650, “Remote” - 1150. There are also two expensive programs - “Personal” for 1850 and “Profitable” for 3000 rubles. The cost of transfers is 15-50 rubles, you can work with a financial institution remotely.
10. UBRIR. There are three packages. The price for payments is 28-89 rubles. The most expensive tariff includes 3 transfers per month, which can be made free of charge. Funds are deposited through an ATM.
11. Alfa Bank. For individual entrepreneurs in terms of opening a current account, the organization offers the maximum number of opportunities - 6 packages. You can manage finances, as in other situations, remotely.
12. Delo Bank. Designed to interact with the business sector. Its tariffs are the most favorable. For example, there is a package “Profitable Start” for 0 rubles, as well as “Active Growth” for 990 rubles. A list of expanded tariff options is also provided.
13. ROSBANK. There are no free packages here, but there are affordable paid offers. The cheapest tariff costs 590 rubles. The most expensive is 3990 rubles. Opening a personal account account in this bank is associated with certain features. The invoice is issued one day in advance. Internet banking is offered free of charge on any tariff plan.
14. Opening. Great business opportunities. You can manage funds remotely. Clients have access to urgent payments and access to their personal account 24/7.
15. RAIFFEISENBANK. This organization offers several tariff packages. For example, “Start” for 490 rubles, “Basic” for 1900 rubles. Subscription fees are charged exclusively at the two largest tariffs, which are called “Optimum” and “Maximum” respectively.

What should you rely on when choosing a bank?

Choosing a bank is a complex and responsible task that requires a competent approach. Plays an important role taking into account the following factors and criteria:

• location close to the place of commercial activity;
• affordable tariff offers;
• large selection of packages;
• quality of service (speed, treatment of visitors, provision of consulting support, etc.).

You need to select several organizations in the area where the office is located, and then familiarize yourself in detail with the conditions that they offer.

January 2019

One of the primary issues that arises when starting a new business is opening a current account. For individual entrepreneurs, this procedure is not mandatory, although it is used by many entrepreneurs for the convenience of conducting financial transactions, but for an LLC, a current account is required. This article will discuss where it is better to open a current account for an individual entrepreneur or LLC under the most comfortable conditions.

Opening a bank account for an individual entrepreneur or LLC

A current account is an account that is opened in a bank by a legal entity or an individual for the purpose of storing funds. With its help, current payments are carried out in non-cash form. The client can open several such accounts in one bank (they may differ in the currency of the account, and the intended purpose of the funds on them may be different).

You can open a current account through an online application on the website of the selected bank. Usually the account is opened within 24 hours from the date of application. It is not necessary to visit the bank for this.

The complete package of documents required to open an account is individual for each bank. The final list of documents will be influenced by the type of account being opened, as well as the legal status of the organization. The necessary documents must be viewed directly on the bank’s website where you plan to open a current account.

A sample list of documents for individual entrepreneurs and LLCs can be found below.

Which bank to choose for an individual entrepreneur or LLC - 5 best banks

To understand which bank to open a current account for an individual entrepreneur or LLC, you first need to decide on the basic criteria that such a bank must meet. There are many such criteria, but here are the most basic and important of them:

• fee for opening a current account;
• monthly cost of its maintenance;
• minimum percentage for account transactions (deposit/withdrawal, as well as transfer of funds);
• convenience and availability of a mobile bank (a specialized application should be simple and understandable to use);
• accrual of interest on the balance of funds;
• high rating and reliability of the financial structure in which you plan to open an account (the rating of the most reliable banks can be found in the corresponding article).

It should be noted that all prices listed below are relevant for Moscow and the Moscow region. The cost of services in other regions may vary.

This is a young online bank for entrepreneurs, which is a branch of SKB Bank. There are five interesting tariff plans for opening a current account. The main features of each are described below:

1. "Profitable start." The main distinguishing features of this tariff are free account opening and free monthly maintenance. There is also a free transfer within the DeloBank and SKB-Bank networks. There are no free external payments - the cost of one transfer is 87 rubles. The commission for depositing funds to the account is 0.3% (you can deposit up to 50 thousand rubles per month without a commission).
2. "Active growth" Monthly service at this rate will cost 792 rubles. - if you pay for the package one year at a time. If you pay monthly, the price will increase to 990 rubles. for a month of service. The tariff includes 10 free payments, from 11 a fee of 25 rubles is introduced. for the operation. You can deposit cash for free up to an amount of 50 thousand rubles, a commission of 0.2% is introduced above it.
3. "More possibilities". The cost of this package is 1432 rubles. per month if paid for a year at once (RUB 1,790 - if paid every month). The tariff includes 50 free payments, with 51 payments it will cost 25 rubles. There is a possibility of free cash deposit up to the amount of 150 thousand rubles, then - 0.2% of the amount.
4. "Reliable solution." For this package you will have to pay from 2480 to 3100 rubles. per month (price conditions are the same as for the two previous tariffs). It includes: 100 free external payments (from 101 the cost per transaction will be 25 rubles), cash deposits through an ATM or bank cash desk up to 200 thousand rubles. (above this amount a commission is introduced - 0.1% of the contribution amount).
5. "Major League". The tariff is estimated at 6072 rubles. per month with a 20% discount. Regular monthly price is RUB 7,590. This plan boasts unlimited free external transfers as well as commission-free cash deposits with no limits.

Each of the four paid plans has a promo period when opening an account. "Active Growth" will be serviced free of charge for the first two months, the remaining three tariff plans - one month free of charge. Also, for all paid tariffs, annual interest will be charged on the account balance: if the amount on the account is more than 50 thousand rubles. (up to 300 thousand rubles) - 2.5%, over 300 thousand rubles. - 5%.

The most detailed information on each tariff can be found.

Open an account

This organization is the most profitable bank for individual entrepreneurs, according to the analytical agency Markswebb.

Perhaps no one will deny that this company has one of the most convenient online banking systems, and perhaps the most convenient. Another advantage of the bank is a long payment day, which lasts from 01:00 to 20:00 (for third-party Moscow banks), and within the bank it is 24/7.

There is also a nice bonus in the form of free account maintenance for several months, depending on the conditions:

• each new user - 2 months;
• if the person who opened the account came from a bank with a revoked license - 3 months;
• if the client has just registered an individual entrepreneur - 6 months;
• if the client has made an advance payment for a year - +2 months.

The current account opened here will accrue interest - up to 6% per year on the balance.

Tinkoff Bank presents three tariffs:

1. "Simple". Monthly service for this tariff is 490 rubles. You can make three transfers to another bank for free (after that you will have to pay 49 rubles for each). Commission for transfer to an individual’s account and withdrawal of funds up to 400 thousand rubles. - 1.5% + 99 rubles. Topping up your current account is subject to a commission of 0.3% (but not less than 290 rubles).
2. "Advanced". Its monthly cost will be 1990 rubles. The tariff includes 10 free payments, from 11 each subsequent one will cost 29 rubles. For transfer to an individual and withdrawal of funds up to 400 thousand rubles. a commission of 1% + 79 rubles applies, for replenishment - 0.25% (minimum 290 rubles).
3. "Professional". You will have to pay 4990 rubles for it. per month. This tariff does not provide for free payments (the cost of each is fixed - 19 rubles). Transfer funds to an individual's account. persons and can be withdrawn with a commission of 1% + 59 rubles. (up to an amount of 800 thousand rubles). You can top up your account by paying a commission of 0.15% of the amount (not less than 290 rubles).

Opening a current account for each tariff is free.

You can find all the available information for each tariff.

Open an account

This bank is one of the most popular among entrepreneurs, since it specializes in servicing exclusively this category and provides the best conditions for individual entrepreneurs.

To open an account in this organization, three tariffs are presented: “Required minimum”, “Golden mean” and “All the best at once”. You can open an account and connect a mobile bank for free for each tariff. Monthly fee - 0, 500 and 2500 rubles. accordingly (without discount). For the “All the best at once” tariff, the first three months of service will cost 500 rubles. per month. If the package of services is paid for a year at once, then the prices are 0, 450 and 2000 rubles per month. If there is zero turnover on the account during the billing period, you will not have to pay for service (this applies to all tariffs).

The number of free payments to the account of an LLC or individual entrepreneur: unlimited for the “Required Minimum” tariff - this tariff plan can be activated only on one account in your company, 10 - for the “Golden Mean” (above this number a fee of 60 rubles is introduced for the transfer ) and 100 - for “All the best at once” (from 101 - 15 rubles per translation).

You can withdraw cash and transfer funds to an individual’s account without commission at the “Required Minimum” tariff. “The Golden Mean” allows you to transfer individual entrepreneurs for free up to 200 thousand rubles. per month. The following commission applies to cash withdrawals: up to 50 thousand rubles. - 1.5% (but not less than 100 rubles), above this amount - 5% (minimum 100 rubles). For the “All the best at once” tariff, there is a limit on free monthly transfers to individuals with individual entrepreneurs in the amount of 500 thousand rubles. Withdraw cash up to 100 thousand rubles. per month without paying a commission. 3% of the amount will have to be paid if the amount of funds withdrawn is in the range from 100 to 400 thousand rubles. and 8% - more than 400 thousand rubles.

Also, Tochka Bank has the longest payment day: 24 hours a day for intrabank transfers, 20 hours (from one in the morning to nine in the evening) for other bank counterparties.

For a detailed overview of the tariff plans, follow the link.

Open an account

This financial structure, popular among the population and reliable, is one of those where it is more profitable to open a current account.

To apply for a package of services, there is no need to visit a bank branch - the manager himself will come to the specified address. The account will be opened and available for use within 24 hours (you can obtain account details without presenting the necessary documentation and visiting the bank in 10 minutes). The Internet banking system here is very convenient and can compete with Tinkoff Bank.

To open a current account for any turnover and purpose, the bank offers five tariffs: “Tariff “1%”, “Electronic”, “Success”, “Alfa-Business Foreign Economic Activity” and “Everything you need”. The main features of each of them are presented below.

Open an account

The main activity of this organization is working with small businesses. Opening a current account is easier here than anywhere else. Opening an account takes 5 minutes and occurs online. Also, your visit to the bank is not required - within 24 hours you will meet with a specialist and sign an agreement.

Opening an account here is free. It is possible to receive interest on the account balance if a paid tariff is activated (up to 7%). An important advantage of this company is the ability to open a current account without a subscription fee (0 rubles per month). There are also two more paid tariffs.

At the moment, three tariff plans are available for connection on the website: “Start”, “Optimal” and “Unlimited”. Below are the main characteristics of the free Starter package:

• opening a PC and monthly fee - 0 rub.;
• fee for each transfer - 90 rubles;
• commission for withdrawal of funds - 2.5% (up to 100 thousand rubles);
• commission for replenishing an account from your card or through ModulBank, Unistream or Binbank terminals is 0.5%.

Below you can find a brief description of other tariffs (a full description of all packages can be seen).

Open an account

Bank comparison table for individual entrepreneurs or LLCs

For comparison, the cheapest tariffs from the line for each bank will be used. Below is a table with the most significant indicators for such tariffs for each of the above organizations.

Bank	Opening fee	monthly cost	Commission for payment order	Deposit commission	Withdrawal fee
DeloBank Profitable Start	0 rub.	0 rub.	87 rub. (no free transfers provided)	0-0,3%	3%
Tinkoff Bank Simple	0 rub.	490 rub.	49 rub. (3 free operations)	0.3% (minimum 290 rubles)	1.5% + RUB 99
Point "Required minimum"	0 rub.	0 rub.	0 rub.	1%	0%
Alfa-Bank "Tariff" 1% "	0 rub.	0 rub.	0 rub.	1%	0%
ModuleBank “Start”	0 rub.	0 rub.	90 rub.	0,5%	2,5%

Drawing conclusions

This article will help a novice entrepreneur decide on the choice of a financial institution in which it is better to open a current account, as well as select the most suitable tariff plan. It is impossible to say unequivocally which of the above banks and tariffs is the best.

Video on the topic