The Markswebb agency has updated its rating of banks based on the cost of servicing small businesses. Rating of banks for individual entrepreneurs: where is the best place to open an account The cheapest bank for individual entrepreneurs

Cash payments between business partners are a thing of the past; increasingly, registration of business activities occurs together with the conclusion of an agreement with a credit institution for financial transactions. Sometimes, already in the process of doing business, it is discovered that an individual entrepreneur needs a bank to open a current account for the purpose of servicing commercial activities.

What is a current account for individual entrepreneurs?

According to the legislation of the Russian Federation, after registering an individual entrepreneur, it is not prohibited to carry out settlement transactions with partners in cash, but there are restrictions. Under one agreement between a small business representative and a legal entity, you can make a payment up to 100,000 rubles. Suppliers rarely agree to constantly renegotiate transactions after reaching the maximum allowable amount, so to successfully conduct business in large volumes, opening current accounts is indispensable.

What is it for?

It is convenient for the owner of a retail business or service department to use cash if there is low turnover, but even in this situation, the bank can provide additional benefits for individual entrepreneurs. A new entrepreneur needs to consider the possible advantages of doing business online:

1. Keeping significant amounts of money outside a financial institution and making large cash transactions is unwise. The bank for individual entrepreneurs guarantees the safety of funds and the safety of payments.
2. Having account details increases the chances of concluding serious transactions - it creates the image of a solid, reliable partner.
3. The bank for individual entrepreneurs prohibits the use of cards for business settlement transactions; if such cases are detected, the card may be blocked.
4. Using an interactive bank, you can pay taxes at a convenient time, sometimes around the clock, pay with suppliers and receive information about the flow of funds and the balance of money by email.
5. Representatives of the tax authorities can count all receipts on the card as income and tax them. During the audit, it will be difficult to distinguish between personal funds and income from commercial activities, and the tax service does not count expenditure transactions made using the card as expenses of commercial activities.
6. Credit institutions charge a commission for transferring funds through a cash desk, and after signing an agreement for banking transactions, only a fixed fee for electronic payments is withheld from the client.
7. Crediting the proceeds will allow you to receive income on the remaining money.
8. Providing bank statements on the flow of funds indicates the work of the individual entrepreneur and may be relevant when obtaining a loan for business development.
9. You can increase the income of your own business by connecting a terminal to accept payments and attract new clients who benefit from paying with debit and credit cards.
10. The owner of bank details can conclude transactions for large amounts and participate in public procurement tenders.
11. An individual entrepreneur becomes a participant in the salary project and can order debit cards for their employees to pay salaries. This is convenient because the time and money for transferring money using separate cards is reduced - salaries are transferred according to the prepared statement in a single payment.

How to open a bank account for an individual entrepreneur

The timing of opening a current account for a client as an individual entrepreneur is not regulated by law. You can fill out an application at a branch of a financial institution for cash settlement services immediately after registering a business activity or later. Now it is possible to submit an online application on the credit institution’s website without visiting banks. After receiving the application, the manager will call the entrepreneur, confirm the time of the meeting and deliver documents for signature to the specified address to open a current account.

What documents are needed

For individual entrepreneurs, the bank independently determines the requirements for the package of documents necessary for conducting settlement transactions. Previously, the list included a certificate of registration of an individual entrepreneur and a certificate of registration with the tax service. Since September 2016, they have been excluded from the list of mandatory ones. Currently, a financial institution may require:

• copy and original passport (required);
• card with samples of signatures and seals (required);
• an extract from the Unified State Register of Individual Entrepreneurs;
• a copy of the financial statements;
• license if it is provided for by the type of activity.

How much does it cost to open a current account?

There is no single price for opening a current account. This procedure can be carried out free of charge by a credit institution. Mostly banks offer to open an account at rates ranging from 400 to 5,000 rubles. After paying the fee and receiving your details, you can carry out banking transactions. Now there is no need for individual entrepreneurs to notify the tax authorities and the insurance fund about the procedure for opening an account.

Where to open a current account for an individual entrepreneur

There are many offers for small businesses in the banking market. Before choosing a bank for an individual entrepreneur, you need to analyze your activities and decide:

• whether revenue will be deposited and in what volumes or whether only non-cash receipts from clients will be provided;
• Is cash withdrawal necessary?
• what monthly cash flows are planned;
• approximately how many payment documents need to be processed monthly;
• Will you need to connect additional services (Internet banking, mobile application, alert system)
• Are there plans to issue salary cards for employees?

Bank selection criteria

For successful commercial activities, a bank for individual entrepreneurs must have the following qualities:

1. Reliability. The safety of funds is an important criterion. You can work with a small regional financial institution, but it must be part of the deposit guarantee system. If the license is revoked, the individual entrepreneur will be returned the remaining amount of money up to 1,400,000 rubles. Legal entities are deprived of this opportunity. It would be safer for entrepreneurs with large turnover to look for an option among large banks with part of the state capital.
2. The convenience of the service package provided. For doing business, the following are important: the speed of the banking mobile application; processing time for payments and crediting of funds; limits on incoming and outgoing transactions. For frequent deposits of proceeds, the proximity of a bank office or its branches and the presence of a network of ATMs for accepting cash at the locations of small businesses are important.

Cost of opening and maintaining an account

It is easier to decide on the number of reliable financial institutions offering a wide range of services. Which bank should I choose for an individual entrepreneur to get benefits? After compiling a list of credit institutions, you need to choose one that will help you save on tariffs for the required package of services. You can find financial institutions that do not charge fees for opening and maintaining an account if there is no funds flowing, but these costs do not significantly affect the total cost of banking transactions.

Which bank is better for individual entrepreneurs, what criteria it should have, let’s try to figure it out:

1. When planning to deposit proceeds in large volumes, you should look for an option with a favorable tariff - minimal commissions for depositing cash.
2. All credit institutions charge a fee for cash withdrawals, so you need to order a plastic card and use the card when withdrawing money through any ATMs of the financial institution without paying commissions. In this case, free card servicing is important.
3. If you need to make a large number of non-cash expense transactions, you should choose tariffs that provide for a small fee for processing one payment. Low prices will help reduce the cost of service.
4. When deciding to issue cards for issuing salaries to employees, when choosing a financial institution, you need to be guided by favorable conditions for issuing and servicing salary cards.

Internet banking

For individual entrepreneurs, convenient conditions include the ability to conduct banking transactions online, so the availability of banking is important. In most credit institutions, connecting to such a service is free, but a usage fee may apply. When choosing a financial institution, you need to pay attention to the size of the subscription fee.

SMS notification

It is convenient to use the function of receiving notifications from a financial institution about the receipt of money in the account and debiting funds - the client always sees the cash balance and can plan further use. Informing the client is a paid service, so an individual entrepreneur needs to inquire about the amount of monthly payments.

Mobile application

For commercial activities, it is important to be able to quickly manage your business and quickly transfer funds from a mobile device. When choosing a financial institution, you need to inquire about the quality and speed of the banking mobile application, and compare the subscription fee that is charged for the service offered.

Login to Internet Banking

For individual entrepreneurs, a bank should become a reliable partner and assistant, offering maximum convenience. It is necessary to pay attention to the operating time within which you can make payments, transfer money to the card for subsequent withdrawal of funds. There are financial institutions that offer 24-hour banking services.

Best bank for small businesses

You can decide in which bank it is better to open an individual entrepreneur account and which offers the most convenient, most profitable option for a particular entrepreneur after a detailed study of the tariffs of the credit institution and an approximate calculation of monthly expenses. Let's consider the proposals of large financial institutions and credit organizations whose activities are aimed at providing services to small businesses.

Sberbank

It enjoys a reputation as a reliable partner, but does not have favorable tariffs for business activities, and does not charge interest on the balance of funds. The only advantage is the absence of fees for connecting to Internet banking and a subscription fee. The credit institution offers the following prices at the base rate:

• opening an account – 3000 rubles;
• service – 1700 rubles;
• payment fee – 32 rubles;
• accepting cash through an ATM – 0.3% of the deposit amount;
• cash withdrawal through an ATM – 1.4% of the withdrawal amount.

Vanguard

Offers free Internet banking connection and zero monthly fee. Terms of service for the “Basic” tariff:

• opening an account online – 1000 rubles;
• service – 900 rub.;
• payment fee – 25 rubles;
• card issuance is free;
• accepting proceeds through an ATM is free;
• issuing proceeds through an ATM is free.

Renaissance

Prices for banking transactions are high, and there is a fee for connecting to Internet banking. Among the advantages: free cash acceptance and issuance of salary cards. The basic tariff includes the following prices:

• opening an account – 2900 rubles;
• service with connected Internet banking – 1,700 rubles;
• payment fee – 27 rubles;
• cash withdrawal – 0.75% of the amount.

Raiffeisenbank

Free benefits: opening an account, crediting revenue, transferring salaries, making 20 payments. At the “Basic” tariff for entrepreneurs in Moscow and the region, St. Petersburg offers:

• maintaining an account – 1300 rubles;
• payment fee – 25 rubles;
• free card issue;
• cash withdrawal – 1% of the amount.

VTB 24

Among the advantages of a financial institution for business operation: free connection to the salary project, processing of 25 payments and no monthly fee for banking. Provides the following tariffs as part of the Business Cashier package:

• opening an account – 1250 rubles;
• maintenance – 2600 rub.;
• payment fee – 60 rubles;
• cash withdrawal – 1% of the amount.

Modulbank

The work is carried out through its specialists, who are sent to the offices of entrepreneurs. There is a “Starter” tariff without a monthly fee for banking services, but it is profitable for small turnovers. For a developing business, it is more convenient to use the “Optimal” tariff; it provides for an accrual of 3% on the balance and the following prices:

• opening an account is free;
• maintenance – 490 rubles;
• payment fee – 19 rubles;
• depositing cash is free;
• Issue of a corporate card is free;
• cash withdrawal – 0%.

Opening

The client has the opportunity to reserve an account and activate it within 14 days. Within the Comfort package, a free connection without charging a monthly fee to the Business Portal, card issue and transfer of 10 payments at zero cost are provided. The prices are as follows:

• opening an account is free;
• maintenance – 1290 rubles;
• payment fee from 9:30 to 18:30 – 49 rubles;
• cash deposit – 0.25%;
• cash withdrawal – 2%.

Tinkoff

It is convenient for an entrepreneur to work, since internal payments can be made around the clock, and non-bank transfers - from 7:00 to 23:00, money is credited instantly, and interest is charged on the remaining balance. The institution sends a specialist to sign a banking service agreement and hand over the completed details. The “Advanced” tariff offers the following prices:

• free account opening;
• maintenance - the first 2 months are free, from the 3rd - 990 rubles;
• zero fee for using mobile banking, for SMS messages and for issuing corporate cards;
• depositing proceeds – 99 rubles one-time for one replenishment;
• the cost of the payment is free for the first ten, 29 rubles for the next;
• output – 0%.

Ural Bank for Reconstruction and Development

As part of the Economy package, the subscription fee for Internet banking is 700 rubles, payments must be made before 18:00, and crediting takes place after operating hours. The tariff plan rates are as follows:

• opening an account – 1000 rubles;
• maintenance is free;
• payment fee – 24 rubles;
• contribution of proceeds – 0.1% of the amount;
• card issuance is free;
• cash withdrawal – 1-2.5%.

Hello, dear readers of the business blog site. Modern entrepreneurship is closely tied to the banking system. Today it is very important to properly think through the management and methods of payments for business and understand the types of tax deductions.

In the article we will look at:

• Which bank is best to open a current account for individual entrepreneurs and LLCs + examples?
• Let's compare 10 major market competitors and tell you what advantages and disadvantages they have;
• Let's consider favorable rates for maintaining bank accounts for entrepreneurs and legal entities.

In the article you can find out where it is profitable to open a current account for an individual entrepreneur/LLC + comparison of banks.

Let's take a closer look at all the nuances of opening and profitable offers for working with accounts for small and large businesses.

List of documents for opening a current account for individual entrepreneurs and LLCs

The opening procedure is simplified as much as possible. The individual entrepreneur is required to:

• business permit();
• extract on registration with Rosstat;
• USRIP extract.

• photocopies of founders’ documents;
• order of appointment to a leadership position;
• sample signatures;
• photocopy of passports of LLC persons;
• extract from the Unified State Register of Legal Entities ().

Also, for individual entrepreneurs and LLCs, you must equally provide:

• statement;
• a completed information form;
• passport (for the person who comes to the department)

Sometimes the list of certificates may be expanded at the request of the inspection organization. Often they additionally ask for evidence of the absence of debts or a review from one of the business partners.

Why open a PC and is it possible without it?

In practice, it is more convenient to conduct business through a banking institution. They charge a fee, but at the same time provide convenient functionality for reports to the Federal Tax Service, Pension Fund and Social Insurance Fund. You receive an extract and take it to the inspectorate, no complications or hassles.

According to the law, if the amount of contracts with counterparties exceeds 100 thousand rubles, then it is mandatory to enter into cooperation with a bank.

RS provides the following advantages:

1. Possibility of acquiring.
2. Removal of restrictions on cash payments.
3. Transfer of non-cash salaries.
4. Integration with 1C accounting, etc.
5. Possibility of self-collection.
6. Additional service.

Integration with accounting and . These two components increase profitability and simplify reporting to the Federal Tax Service, Pension Fund, and Social Insurance Fund. Fewer hassles during inspection checks.

Which bank is better to open a current account for individual entrepreneurs and LLCs in 2019: TOP 10 banks

There are 10 well-known financial institutions in the modern market. They fell into this category due to their reliability and wide range of clients. If you have entered into an agreement with them, you can be confident in the quality of the services provided.

No. 1: Sberbank

One of the largest financial figures in the country, his offices are located in all cities of the country.

• Cost: from 1000 to 1700 rubles;
• Opening: from 1500 (2300 for St. Petersburg, 3000 for Moscow) for 1 day;
• Transfer: 35 rubles;
• For cash withdrawal: 1%;
• Online accounting: built-in.

Tariffs from Sberbank.

Sberbank is certainly a reliable institution that has been operating for a long time. Its branches are located in any major city, but the main problem is long lines.

No. 2: VTB

The share of state ownership is over 60%, it is the second giant after its previous competitor. VTB offers lower interest rates for deposits and withdrawals, but you still have to pay to connect to Internet banking.

• Monthly maintenance: from 1200 to 3200;
• Internet banking connection: 250;
• Cash deposit: 0.39%;
• Cash out: 0.5% .

Tariffs from VTB.

No. 3: FC Otkritie “Open bank”

This private project is young and modern, it started under its own name in 2012 (before that it was part of other credit and financial systems), quickly gained popularity and in 2019 is an important part of the country’s financial system.

• New client: 2 months free for everyone + 2 months. with annual payment as a gift;
• Price: from 590;
• Cash deposit: 0.3-0.16%;
• Withdrawal: 3.5-2%;
• External payments: 79-49 rub.

Open Bank offer.

FC Open is not so widespread throughout Russia, but has offices in large cities. With them, just like with others, you can open a current account online, leave a request and a specialist will call you back. Next, you just need to come to the office with all the documents.

No. 4: Alfa Bank

The largest private financial institution in the Russian Federation. Specializes in flexible tariff plans and a wide range of partners. Alfa Bank provides lower prices (from 15,000 to 30,000) + the possibility of installments. This is noticeably cheaper than competitors.

• The main difference: no turnover - no payments;
• Cost: from 490;
• Interest on payments: 50 rubles;
• Cash receipt: from 1%.

Alfa-Bank tariffs.

#5: Vanguard

A young private bank that offers its holders excellent online service. It’s nice that they don’t have unnecessary advertising on their website; the user is immediately given the opportunity to read the contract.

• Initial contribution: 1000 rub. ;
• Price per month: 900;
• Transfer fee: 30 rub. ;
• Interest for transfer to physical face: from 0.5 to 1%;
• cashing out: 0.5-2% .

Offer from Vanguard.

#6: Revival

One of the main offers from Vozrozhdenie is pay what you want. As part of the promotion, you can register an account without any payment.

• First payment: 3000;
• Monthly fee: from 0 to 1800;
• Cash replenishment: 0.1%;
• Transfer fee: from 10 to 100 rubles.

Bank Vozrozhdenie.

No. 7: Point

Tochka is a branch of FC Otkritie; is aimed exclusively at entrepreneurs, the entire structure is optimized for small and medium-sized businesses. Fast support, detailed instructions, a convenient online account and low acquiring rates are the main advantages of the organization.

Bank point and proposal for opening accounts.

• Promotion: up to 5 months as a gift, flexible tariffs;
• Start: 0r;
• Monthly maintenance: from 570 to 7500;
• Cashing out: no commission within tariff limits;
• Replenishment: no extra. boards;
• For the balance: up to 8% per year.

Nice addition. You can order a call on the website, the manager calls you back in 5 minutes and gives a full consultation.

No. 8: Binbank

The main shareholder of Binbank is the state, over 99% belongs to the Central Bank of the Russian Federation - this is a completely state project. They have:

• Specialist. offer: 0 for connection when purchasing a cash register;
• Start: 0;
• Tariffs: from 1500 per month;
• Percentage for transfers: 0.3%;
• Cash withdrawal: 1%.

Conditions for maintaining accounts in B&N Bank.

No. 9: Raiffeisen

Raiffeisen has foreign capital in its assets. Throughout his career, he has distinguished himself by his loyal attitude and favorable offers for his clients.

• Start: 0r ;
• Monthly payment: from 990r;
• Specialist. offer: up to 6 months. as a gift, card for RS;
• Withdrawal: 1%.

Raiffeisen Bank tariffs for individual entrepreneurs and LLCs.

No. 10: Tinkoff

And in conclusion, I would like to mention Tinkoff bank. This is a modern solution on the market and in their advertising they offer extremely interesting ideas.

Tinkoff stands out with a whole host of interesting ideas:

• No turnover - no payment;
• up to 78,000 rubles for advertising;
• Up to 2 months for nothing;
• Built-in accounting in your personal account (calculate taxes and prepare a declaration);
• cashback up to 30%;
• Mobile applications;
• Profitable acquiring.

Offer from Tinkoff Bank.

Where to open a current account for individual entrepreneurs and LLCs: 4 free accounts in banks + comparison table

The RS does not exist for absolutely nothing. But “Tochka” offers 2 months trial + 3 free upon payment. We recommend taking a closer look if you have very little money in business to start.

To determine where a current account for individual entrepreneurs is more profitable, we compare the characteristics of competitors in the table. ( Images are clickable).

Abbreviations:

• ind. - individually;
• n/a - no data;
• 5-1 - from 0.5% to 1% inclusive;
• External payment becomes paid after the free limit expires.

If you study all the reviews in more detail, the main indignation of customers are:

• unexpected commissions;
• rudeness of employees for no reason;
• queues;
• misinformation;
• human factor (incorrect completion of documents).

In practice, out of millions of customers, only 100 of them encounter problems, often associated with their own inattention. As for rudeness, employees won’t just be rude. If this happens, write a complaint to the main office, they will quickly sort it out.

How and where is it more profitable to open a current account: expert advice + example

Based on the material described above, we can conclude where it is more profitable. In general, based on what has been studied, we can come to the following decisions.

Sberbank, VTB	Reliable. Convenient cash withdrawal.
FC Otkritie, Tochka	up to 5 months as a gift + flexible tariffs. But it's hard to cash out. Accumulation of up to 8% on the balance.
Alfa Bank	Priority for a wide range of partners + discounts for the purchase of a cash register and terminal.
Avangard, Raiffeisen	Many positive reviews, attractive conditions. But there are no interesting offers or discounts.
Tinkoff	Lots of ideas, promotion on an advertising account, no turnover - no payment. But many complain about large commissions + unexpected terms of transactions.
Renaissance	Poor service, old technology. But there is a free plan.
Binbank	0r per RS ​​when purchasing a cash register, quite a popular choice in cities.

If you want to save money - Tinkoff, Tochka, Otkritie. But be careful, low interest rates are additional terms of the contract.

Do you prefer stability - VTB, Sberbank, Alfa. But you will have to pay for reliability with high commissions.

No. 1. Don’t be fooled by advertising and read contracts in detail

Somewhere for a free month you have to pay an annual tariff, sometimes there are not obvious deductions. Be careful before signing documents.

No. 2. Don't trust just reviews

Unfortunately, you can find many negative reviews on the Internet for any of the competitors described above. Most of them are related to the incorrect behavior of the applicant himself: he did not read the contract, did not look at the notice in time, etc.

A general trend can be found in negative reviews. If you complain about your account being blocked, look into the reason for the blocking. Unexpected interest - did not read the details of the cooperation. Many clients themselves do not fulfill the obligations they signed up for, and then blame others.

No. 3. Find out where the nearest branch is

There is no point in opening a personal account in a financial institution if it is located far from the place of business. In small towns, it is better to give preference to the nearest branch - it will be easier to deal with unforeseen situations.

No. 4. Current account and cash management services

These two concepts are close to each other. An account is an account to which the company’s income is transferred and from which employee salaries are transferred.

Maintenance are services that allow you to manage your account more efficiently. It involves integration with accounting, detailed reporting, package offers, etc.

In most financial institutions, together with the RS, a service for it is opened. Therefore, there is almost no difference between these terms; it is one common complex.

Conclusion + Video

We hope that after reading you will be able to finally decide in which bank to open a current account for an individual entrepreneur or LLC. If doubts still remain, we will add that according to statistics, Sberbank is the most common solution.

A beginning individual entrepreneur must open a bank account for storage and circulation of funds. But, as practice shows, the problem is to choose the best bank that will meet the requirements of novice entrepreneurs in all respects. In fact, the task is quite difficult, because each proposal has its own characteristics and nuances, as well as advantages and disadvantages. In order not to make a mistake with the choice, we present a rating of banks for business, namely those financial institutions that, at the initial stage, will be the most economically profitable and convenient for individual entrepreneurs to use.

Selection criteria

It’s worth starting the review with the fact that first of all, budding entrepreneurs should pay attention to some service features, namely:

1. Reliability: first of all, you should choose a reliable bank that will not lose its license with a 99.9% probability, in order to avoid difficulties in the future with returning your own savings.
2. Service tariffs: It is worth noting here that novice businessmen must effectively distribute their assets without spending large sums on maintaining a current account.
3. High level of remote service: in order to make financial transactions, transfer funds and monitor account status using online banking.

These are the most important selection criteria, and it is worth noting that banks offer not only a browser-based version of online banking, but also a mobile application, which will be extremely useful for an entrepreneur. Now let's turn to the rating of Russian banks, there are a number of credit institutions that are in particular demand among individuals and individual entrepreneurs, such banks include Sberbank, Alfa-Bank, Tinkoff Bank and Avangard. This information is relevant today. In addition, there are other banks that are in particular demand - these are Rosselkhozbank, VTB 24, VTB Bank of Moscow. But it is worth noting that financial market leaders are not always ready to offer the most favorable terms of cooperation.

Please note that the information provided in the rating is current for 2018.

Top 10 banks for individual entrepreneurs

First of all, we note that on the Internet you can find several ratings compiled both by representatives of small businesses themselves and by professional agencies. Therefore, first of all, of course, it is worth relying on research conducted by experts. But in this article we will present only 10 banks that combine all the parameters necessary for an entrepreneur - reliability, minimal cost and convenient Internet banking.

UBRD tariff “Online”

The last place in the top ten banks is occupied by UBRD Bank, which offers its users an “Online” tariff; the cost of service per month is only 850 rubles; there is no fee for opening an account. The cost of a payment order is 26 rubles, the cost of SMS notifications is 75 rubles per month, remote servicing using the online service is supported both in the browser version and in the mobile version. Login to the online bank is carried out via a USB key.

So, let’s return to the parameters and come to a definite conclusion that the monthly service fee is quite low, only 850 rubles, the reliability of the bank is beyond doubt insofar as it ranks 29th in the ranking of Russian banks. In addition, it provides services remotely, however, the “Online” tariff speaks for itself; this offer will be beneficial primarily to those who prefer to control their account through Internet banking.

Raiffeisen Bank tariff "Start"

Ninth place in the ranking of the best banks for small businesses is Raiffeisen Bank with the “Start” service package. Here the cost of service is 990 rubles, a payment order costs 25 rubles, SMS notifications cost 190 rubles monthly. Internet banking works in browser and mobile versions, login is via a USB key. The advantage is that you can open a current account in one visit to a bank branch, and then you can control your accounts using online banking. Raiffeisenbank occupies 14th position in the ranking in terms of financial indicators.

Intesa service package “Basic”

Eighth place - Intesa Bank. E monthly account maintenance - 1200 rubles, cost of payment order 20 rubles, Internet banking works in browser and mobile versions, login is via a USB key. Despite the fact that the cost of annual service is not the lowest, its advantage is that the mobile version of Internet banking is functional and convenient. Intesa ranks ninth in the 80 ranking.

AKB Avangard tariff “Basic”

In seventh place is AKB Avangard. Here the service fee is 900 rubles monthly, opening a current account is paid - 1 thousand rubles, the cost of a payment order is 30 rubles, SMS notifications are free. Internet banking works in browser and mobile versions, login is via a USB key. Despite the fact that the cost of annual service is not the lowest, the advantage here is that when becoming a client of the bank, it offers additional services, including preferential lending. Position in the ranking by financial indicators – 51.

Alfa Bank - “At the start”

The sixth position for the current year is occupied by Alfa-Bank, an account can be opened for free, and 490 rubles are charged for service. As for payment orders, for the first 5 you will have to pay 45 rubles, from 6 for the next 150 rubles, there is no charge for SMS information, only businessmen from Moscow and St. Petersburg are forced to pay it at a rate of 59 rubles. To connect to Internet banking you will have to pay a one-time payment of 990 rubles. Login to online banking is carried out using a login and password, as well as a one-time SMS code. To receive cash you will have to pay from 2.2 to 11%. Entrepreneurs can also obtain corporate plastic for 299 rubles.

Indeed, the tariffs at Alfa Bank are not the lowest, but the bank is quite progressive, therefore it offers a wide range of services for its clients, in particular, it provides advertising and promotion on Yandex.Direct, provides legal advice completely free of charge, and certificates for recruiting personnel on the Internet resource HeadHunter, as well as six months of Bitrix24. In addition, it ranks seventh in the ranking in terms of financial indicators.

Sberbank service package “Easy Start”

In 5th position is the largest and most reliable bank in our country, which offers free monthly services and free account opening. Payment orders are carried out free of charge, but only three, for the rest you will have to pay 100 rubles. There is no charge for SMS notifications. Internet banking works in browser and mobile versions, login is via a USB key. The bank ranks first in the ranking in terms of financial indicators, however, its stability and reliability is never in doubt among potential clients.

Promsvyazbank "Business without extra commissions"

The fourth position is occupied by Promsvyazbank, which does not charge fees for maintaining and opening an account, as well as for payment orders. Among other things, it provides SMS notification service free of charge. There are mobile and browser versions of Internet banking, which can be accessed using a USB key. Promsvyazbank has been among the top ten best banking organizations in Russia for several years and occupies tenth position in terms of financial indicators.

Modulbank service package “Start”

This is an excellent offer for beginning businessmen, which is why the bank ranks third in the ranking with the “Start” tariff. Within its framework, there is no cost for opening and servicing an account, payment orders cost 90 rubles. Internet banking works in mobile and browser versions. You can log into your personal account only using your login and password, as well as a one-time code from an SMS message. As for stability and reliability, Modulbank ranks only 204th place, but it is worth noting that its indicators are growing steadily.

Tinkoff Bank tariff “Simple”

It’s no wonder that Tinkoff Bank is popular among small businesses; it ranks second in the ranking of the best banks for entrepreneurs. For the first two months there is no service fee, then 490 rubles, payment orders: 3 - free, subsequent ones for 49 rubles. The main feature of the bank is the best Internet banking with wide functionality and a clear interface; login is carried out via login, password and one-time code from SMS messages. Tinkoff ranks 33rd in the ranking in terms of financial indicators.

Tochka bank tariff "Lowcost"

Within this tariff, the cost of annual service is 750 rubles, there is no fee for opening an account, the cost of a payment order: the first 5 are free, the next are 50 rubles. Internet banking works in a mobile browser version, login is carried out using a login and password, as well as a one-time SMS code. As part of this tariff, the bank offers a salary project on a Rocketbank card.

Please note that Tochka Bank is part of the Otkritie financial group, which means it ranks eighth in terms of financial indicators.

Based on the results of the presented rating, the best bank for small businesses is Tochka. Although in fairness it should be noted that all 10 presented financial institutions deserve the attention of a potential client. Therefore, before making the final choice, it is wiser to personally consult with specialists from each bank in order to come to a certain conclusion, because the quality of service and other privileges available to banking clients are of great importance.

The best bank for entrepreneurs according to Markswebb

Analytical agency Markswebb conducted a study of commercial banks for entrepreneurs? in order to find out which commercial bank is most profitable to open a current account for individual entrepreneurs. The study was conducted in May 2017, following which the following results were presented on June 1: the best, according to the analytical agency, for entrepreneurs were Tinkoff Bank, Modulbank and Tochka Bank. They offer the lowest cost of monthly service – 490 rubles per month. In addition, they do not charge fees for transferring funds to individuals in amounts up to 150,000 rubles.

Among other things, there are a number of banks that are extremely unprofitable for entrepreneurs; here are a few examples:

• Rosselkhozbank - 32,800 rubles;
• Ak Bars – 30,140 rubles;
• ATB – 29890 rubles;
• VTB – 26,700 rubles;
• Binbank - 26,300 rubles.

Please note that the cost of service is given for one calendar year.

So, based on the results of several studies, the most profitable bank for small businesses is Tinkoff, Tochka Modulbank. Despite the fact that they are not leaders in the financial services market, they are the ones who are ready to offer the cheapest services for beginning entrepreneurs, plus additional services necessary at the initial stage. It should also be taken into account that, as add-ons for individual entrepreneurs, banks offer preferential lending, overdraft, corporate cards and more.

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 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 banking,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 under the “Start” tariff, 3% on the balance under the “Optimal” tariff, and 5% on the balance under 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 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!

There are hundreds of large and small credit institutions on the Russian market, whose services an individual entrepreneur inevitably has to turn to. To learn how to choose the best bank for individual entrepreneurs in 2019 and not get confused by the variety of tariffs for small businesses, read the article

The best banks for opening an individual entrepreneur account: selection criteria

When choosing which bank to open an individual entrepreneur account in, focus on the following characteristics:

• reliability;
• convenient remote maintenance;
• low tariffs;
• presence of a network of branches;
• speed of transactions.

Always check for registration in the directory of the Central Bank of the Russian Federation, in the deposit insurance system, and credit rating. Important criteria include the possibility of remote servicing, including online banking and electronic payments.

For budding entrepreneurs, banks are more suitable, where you can choose a list of the most relevant services and gradually expand it as your business develops.

A bank that is beneficial for an individual entrepreneur must meet all of the above parameters. If you want to simplify the reporting process, choose financial institutions that provide integration with services, for example, with Kontur.Elba, My Business and similar ones. This opportunity is available in Tinkoff, Alfa-Bank, Modulbank, and also in Tochka. When concluding an agreement with one of them, be prepared to provide a complete list of necessary documents.

Banks for individual entrepreneurs: comparison of services and tariffs

When deciding which bank to choose to open an account for an individual entrepreneur, study the offers of financial organizations in your region. In big cities the list. Naturally, it will be longer, but there are large banks all over Russia. Focus on significant parameters.

Here are the ten most profitable banks for opening a current account for an individual entrepreneur. The choice was made taking into account the following parameters:

1. Opening a current account

When contacting financial institutions, check the availability of promotions and special offers. Many banks offer to open an individual entrepreneur account in Russia for free. This is provided in Alfa Bank, UBRD, Tinkoff, Tochka, Modulbank. At Sberbank, VTB24, the cost of the service depends on the region.

2. Monthly maintenance

At Tinkoff and Alfa Bank you do not need to pay for monthly maintenance if there are no account transactions. Modulbank offers a Starter tariff with free service. But customers are in for an unpleasant surprise - paid cash withdrawal. For the service you will pay from 0.75% to 1.5%. If you choose the Optimal tariff, then withdrawing funds to an individual’s account will cost only 19 rubles.

Important! The most expensive monthly service is in Gazprombank, Rosselkhozbank, Tochka, Sberbank. If you decide to open a bank account for individual entrepreneurs in these organizations, be prepared for unreasonable material costs, which are noticeable with small incomes.

3. Connection to Internet banking

Gazprombank and Rosselkhozbank offer paid connection to Internet banking and issuance of tokens. This is inconvenient and unprofitable for individual entrepreneurs who are just starting out and do not have much profit. Paid Internet banking is provided by Alfa Bank and VTB24, but the cost of connecting it is lower - 990 and 250 rubles, respectively. In other financial institutions, connecting to Internet banking is free.

4. Interbank transfers to legal entities

In almost all banks, the first 3-5 transactions are commission-free. Therefore, when choosing a financial organization, calculate how many transfers per month you will make, and only then make a choice.

5. Budget and tax transfers

Transfers to budgetary and tax organizations are free in almost all banks. The exception is Rosselkhoz and Raiffeisen. Their clients will have to pay 30-35 rubles for one transfer.

6. Interbank and intrabank transfers to individuals

Most banks charge a hefty commission for withdrawing or transferring funds. How much you will have to pay for transferring funds to an individual’s account or card depends on the amount. The cost of intrabank transfers varies:

• at Tinkoff Bank you can transfer up to 150 thousand for free;
• at Tochka - from 5 to 500 payments without commission;
• in Modulbank you have to spend up to 90 rubles per transaction;
• in other banks the commission is about 1% or higher.

7. Possibility of accounting services

Some banks specializing in working with small businesses are ready not only to provide an account, but to take over the accounting of individual entrepreneurs. On the one hand, it's convenient. On the other hand, it is necessary to carefully study the conditions. If your turnover is small and you are using one of the preferential tax regimes, it will probably be more practical to contact a specialized

The best bank for individual entrepreneurs: where is it more profitable to open an account

*According to open data from banks

Please note that issuing money at the box office is not profitable. If you are choosing the best banks for individual entrepreneurs to withdraw cash, you can try working with Tochka Bank. The financial institution offers free cash withdrawal of amounts up to 100 thousand rubles, then 50 rubles per withdrawal.

What else to pay attention to when opening an account for an individual entrepreneur in Russia

• find out the percentage of accrual on the balance of your own funds, the cost of closing an account and statements on it, the opportunity to receive loans.
• carefully study the terms of the contract. If the bank can change them unilaterally, this is not always beneficial for the individual entrepreneur, since a sharply increased amount for services or operations leads to losses.
• read reviews about the financial institution. Banks often hide some service features that emerge after the conclusion of an agreement.

Periodically review the ratings of banks for opening an individual entrepreneur’s current account, study the conditions, since after a year you can find better offers in other financial organizations. Enter into an agreement with a bank where you can change the tariff with a minimum commission, because your small business will grow and develop.

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