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In the article we will figure out where to open a checking account in 2019. Let's consider the tariffs for opening, maintaining an account and the conditions of cash settlement services of popular banks. And you will also find out if a current account is needed for individual entrepreneurs and LLCs, and who notifies the tax office of its opening.
Where to open a current account - comparison of tariffs
If you are faced with the task of choosing a bank to open an account, then you need to take into account many parameters: its reliability rating, the range of additional services, the quality of service, etc. Service prices often play a decisive role.
We have prepared for you a table with tariffs for maintaining an account in popular banks:
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And now let's take a closer look at the advantages of cash settlement services in each of the banks.
Tinkoff Bank
Tinkoff has received an A-level credit rating from ACRA and has repeatedly confirmed it. The operating day in it lasts from 01:00 to 20:00 (MSK). For an external payment, you need to pay from 19 to 49 rubles. depending on the connected service package. At the same time, on the TP "Simple" and "Advanced" the monthly fee already includes 3 and 10 free payments, respectively.
For cash withdrawals on the card, you will have to pay at least 1% of the amount plus 59 rubles. But on the other hand, individual entrepreneurs will be able to transfer from 400 thousand to 1 million rubles to their own Tinkoff cards without commission. For the remainder own funds You can receive up to 6% on your account.
When you open an account with Tinkoff, you will receive free bookkeeping, as well as the opportunity to use huge amount additional services (free salary project, bank guarantees, acquiring, etc.). From 3 months of service, you can connect an overdraft.
Mobile and Internet banking in Tinkoff has repeatedly received high marks for efficiency. And any questions can be resolved with a personal manager via chat.
Dot
The dot is a project of FC Otkritie bank. The Golden Mean TP provides 10 free payments to other banks, and the All the Best at Once tariff will already have 100 of them. If this amount is not enough, then you need to pay 60 or 15 rubles for each next transfer, respectively. At the TP "Required minimum" all transfers, including physical. individuals are free. External payments are processed from 00:00 to 20:00 (Moscow time), while internal bank payments operate around the clock.
You can withdraw cash without commission at the “Required minimum” tariff, as well as up to 100 thousand rubles. - with the connected package of services "All the best at once". In all other cases, you will have to pay at least 1.5% of the amount received.
Internet Banking Points can be easily integrated with any popular accounting software and services. A free mobile application is available to interact with the bank outside the office. On the “All the best at once” tariff, a 2% cashback is returned for paying taxes.
Modulbank
Modulbank specializes in servicing individual entrepreneurs and small companies. Payments are made from 01:00 to 20:45, and the cost of each payment is from 19 to 90 rubles. On the "Unlimited" tariff, all payments are free. You can withdraw up to 50 thousand rubles from a business card without commission. on the TP "Optimal" or up to 100,000 rubles. when using the "Unlimited" package. In other cases, the bank commission will be 2.5%.
Up to 7% per annum is accrued on the average monthly account balance. In Modulbank's Internet bank, you can not only manage your account, but also view analytics or connect additional services: acquiring, salary project, accounting, online cash desk, etc. Modulbank's accounting services are free for individual entrepreneurs at the simplified tax system of 6%.
Sovcombank
Sovcombank is a large bank with a wide network of branches and good reliability indicators. According to ACRA, he was assigned an A rating. Making an external payment costs from 15 to 50 rubles.
Cash withdrawal for salary is possible with a commission of 0.5%. Upon receipt of cash on the household. needs and other purposes the tariff will be from 1.1 to 15%.
BCS Bank (Sphere)
BCS Bank placed great emphasis on service legal entities and individual entrepreneurs. And he opened a separate service Sphere with very favorable rates. There is a free tariff, payments from 25 rubles, convenient Internet banking and a mobile application, reporting to the tax office, etc. The sphere will compete well with market leaders Tinkoff, Tochka and Modulbank.
Loco-Bank
The cost of an external payment at the bank will be from 19 to 59 rubles. 0.6% is withheld for cash withdrawals to pay salaries. When receiving cash for other needs, the commission will be higher - from 3%. When you connect the "Unlimited" package, you can withdraw up to 300 thousand rubles from your account for a calendar month for free.
An individual entrepreneur can transfer up to 500 thousand per month from his account in Loko-Bank to his own account of an individual. persons without commission. Account replenishment is available throughout Russia both in Loko-Bank's own branches and through a partner network.
For account management, access to a convenient Internet banking system is provided. Free cash can be placed on deposits, and if there is a shortage own money Loko-Bank will issue a loan jointly with the SME Corporation.
Promsvyazbank
Currently, DIA owns 100% of PSB shares, and in the future it is planned to create a base bank on its basis to service the State Defense Order.
Promsvyazbank's tariffs include from 3 to 30 free external payments. Each additional payment will cost 18 - 110 rubles. depending on the selected package. External payments are processed on the current day until 20:50.
Withdrawing cash from an account for an individual entrepreneur will cost at least 1.4%. Jur. funds from the account are issued to persons at a rate of 0.5%.
Alfa Bank
Alfa-Bank is one of the largest credit institutions in the Russian Federation. The high level of its reliability is confirmed by the ACRA agency (rating AA). External payments are sent from 01:00 to 23:30 (Moscow time). The cost of the payment will be from 0 to 30 rubles. depending on the included package. Many service packages include 3 - 30 external payments.
Withdrawing cash from the card will cost at least 1.5% of the amount. In the tariffs "Wholesaler" and "All you need" you can cash out 150 and 500 thousand rubles, respectively, for free. Regardless of the connected service package, an individual entrepreneur can transfer up to 100 thousand rubles to a personal account for free.
You can deposit money into accounts and withdraw them through Alfa-Bank ATMs throughout the Russian Federation, and for the convenience of managing your account, a personal account is available on the website and the application. When concluding a cash settlement agreement, a credit institution gives gifts and discounts from partners in the amount of up to 150,000 rubles.
Sberbank
It is the oldest and largest bank in the Russian Federation. The controlling stake in the financial institution is owned by the state. Payments are made daily from 7:00 to 23:00. The cost of a payment is from 10 to 100 rubles. The tariffs include from 3 to 100 free payments.
Maintenance of a business card will cost 2,500 rubles. for the second year, and withdrawing money from an ATM using it - at least 1.4% of the amount received. Regardless of the chosen tariff, an individual entrepreneur can transfer up to 150,000 rubles to a personal card in Sberbank for free. per month.
Sberbank will not only open an account for business, but will also offer many support services (online cash registers, accounting, guarantees, etc.). The account is managed through Sberbank Business Online, which integrates with any accounting software.
When concluding an agreement, Sberbank gives gifts from partners for a total amount of up to 100 thousand rubles.
UBRD
UBRD is a large bank among the TOP-50. The cost of the payment, depending on the tariff, will be 25 or 79 rubles. In addition, 10 payments are included in the Economy TP. On the current banking day, only external transfers sent before 18:00 are processed. IP without additional charge. commissions can transfer up to 300 thousand rubles to a personal account. per calendar month. Withdrawal Money from the account will cost at least 1.1% of the amount.
Opening
External payments in the bank are carried out from 00:00 to 20:00 (MSK). For each of them you will have to pay 25 - 100 rubles. The packages include from 3 and 15 free payments, and the "Open Opportunities" tariff plan does not charge for transfers.
To the accounts of physical persons can be transferred without commission up to 500 thousand rubles. per calendar month, regardless of the connected service package. For cash withdrawals, 1-10% is charged, depending on the connected tariff and the amount of the transaction.
SKB-bank (DeloBank)
SKB-Bank is a large bank based in Yekaterinburg and actively developing throughout Russia. As part of its online version - DeloBank - 5 tariffs are available with payments for 25 - 87 rubles. (0 rubles - at the Major League TP). When concluding an agreement, a business card is issued as a gift for depositing and withdrawing cash, as well as non-cash transactions. Getting money from an ATM on it will cost at least 2%.
All paid tariffs provide for the accrual of interest on the balance. It is also possible to open a deposit. In the Internet banking system, you can manage not only a settlement account, but also a personal account of an individual. faces.
Eastern Bank
CB Vostochny is registered in the Amur Region, but actively works with clients throughout Russia and is one of the leading banks in the Far East. The base cost of an external payment is 35 rubles. Many packages include free payments: 5 pcs. - in the tariff "Your start", 15 pcs. — “Your online”, 30 pcs. - "Your success", 60 pcs. - "Your Scale" and an unlimited number - in the "Your Unlimited" TP.
Cash withdrawals will cost at least 1.2% of the amount received. Without interest, you can withdraw from 10 to 500 thousand rubles. depending on the chosen tariff. There is no fee for using Internet banking, and when opening an account, Vostochny automatically approves an overdraft.
Vesta Bank
Vesta served only wealthy clients for a long time, but then switched to providing services to small businesses. An interbank transfer will cost 20 rubles (at the Startup TP - 89 rubles, at the All Inclusive TP - 200 payments are included in the tariff).
Commission for receiving cash on households. needs will be from 1%. Individual entrepreneurs can transfer money to personal accounts up to 500 thousand rubles without commission. (at TP "Startup" - 300 thousand rubles).
Access to Internet banking is provided free of charge. If necessary, you can connect a salary project, acquiring or open a foreign currency account.
Raiffeisenbank
Raiffeisenbank is part of a large Austrian holding and has excellent reliability indicators (ACRA rating - AAA). The cost of an external payment in excess of the number of services included in the package will be 25 rubles. This price is the same for all tariffs.
The commission at Raiffeisenbank for issuing cash for salaries will be 0.5% of the amount, and for all other purposes - at least 1.6%. At the expense of physical persons can be transferred free of charge up to 30 - 700 thousand rubles. depending on the rate.
Expert Bank
Expert Bank is based in the Omsk region, but serves clients throughout Russia. His distinguishing feature— the most honest and open tariffs. The payment will cost from 0 to 85 rubles, and on the All Inclusive tariff, sending any payments is included in the tariff.
To withdraw cash and pay business or travel expenses, Expert Bank issues business cards free of charge. On the TP "Optimal" without charging a commission, you can withdraw from cards up to 100,000 rubles, and on the TP "Unlimited" - up to 700,000 rubles.
Where is the best place to open a bank account?
Here is a list of the best banks for opening an IP account:
- Tinkoff Bank.
- Dot.
- Modulbank.
- Loco-Bank.
- Expert Bank.
- Promsvyazbank.
- Sphere (BCS Bank).
- Delo Bank (SKB Bank).
Where is the best place to open a bank account?
List of the best banks for opening an organization account:
- Tinkoff Bank.
- Dot.
- Modulbank.
- Expert Bank.
- Loco-Bank.
- Alfa Bank.
- Sberbank.
- Promsvyazbank.
- Eastern Bank.
Banks that open a current account for free
The term for opening an account in many banks takes literally 1 hour. Thanks to modern technologies, this procedure is fast, and entrepreneurs do not need to visit bank branches. Through the Internet, you can reserve an invoice, a contract and other documents will be brought by a courier.
Such a simple procedure for opening an account is free of charge for businessmen. Credit institutions that do not charge a fee for this operation include:
- Tinkoff Bank.
- Dot.
- Modulbank.
- Expert Bank.
- Loco-Bank.
- Alfa Bank.
- Sberbank.
- SKB-bank (DeloBank).
- Promsvyazbank.
- BCS Bank (Sphere).
- Vesta Bank.
- Eastern Bank.
- Raiffeisenbank.
- Sovcombank.
Modulbank, Tochka, Loko-Bank, Sfera, Delobank and others are also ready to offer tariffs without a subscription fee. Other banks (for example, Tinkoff, Alfa-Bank) offer up to 2-3 months of free maintenance of a new account.
A package of documents for opening a current account for individual entrepreneurs and LLC
When opening an account, a bank needs a certain package of papers. Preparing the necessary documents will not take you much time.
IP will need a passport and OGRNIP. If the account is opened by a representative, a power of attorney will be required.
Important! The possibility of opening an account by proxy must be clarified in advance with the selected bank. Not all banks open accounts through third parties.
List of documents for opening an LLC account:
- Constituent documents (Charter, Memorandum of association, decision to create, etc.).
- Documents for the head (passport, protocol or decision on appointment to the position).
- Certificate of ownership or office lease agreement (not required by all banks).
- Other documents at the request of the bank (certificate from the tax office or the latest accounting reports, etc.).
Is it necessary to open a checking account?
The legislation does not oblige an individual entrepreneur to open a current account, but an LLC is required. But doing business with it is much more convenient.
We must not forget about the restriction on the maximum amount of a cash transaction in 100,000 rubles. Not all companies are ready to renegotiate contracts so as not to violate this rule, and most large suppliers refuse to accept cash payments for goods (services) at all.
Should I notify the tax office about opening a current account?
Until May 2014, when opening an account for individual entrepreneurs and legal entities. persons were required to submit a notification to the IFTS and insurance funds. But now this responsibility has passed to the banks. In fact, when opening an account, it is enough to submit an online application to the bank and prepare the documents. Bank employees will take care of the rest of the work.
We were happy to help you! If you have questions, please contact in the comments.
What is a current account and does a private entrepreneur need it, what are the differences between non-cash transfers through a current account and payments made using a personal bank card of an individual entrepreneur. Not always an entrepreneur can independently understand all the issues that relate to one of the most important aspects of business - financial. It is important to figure out which bank to choose, how much it costs to open an account and what documents will be needed.
What is a current account - application and structure
Settlement account (r / s) - an account in the bank system, which is designed to record the financial transactions of the client, passing through non-cash business settlements, this includes:
- storage of funds;
- settlements and payments related to business activities.
The key difference between a current account for an individual entrepreneur and a personal account individual is to assign payments. Legal regulation separates these two categories. A business current account is a tool for maintaining commercial activities. Here the income of a private entrepreneur is concentrated, payment for materials and raw materials, rent can be made from the account industrial premises, taxes are paid to the state budget and contributions to off-budget funds, etc.
In most cases, ruble accounts are used for IP business activities. Also, r / accounts can be in foreign currency, they are used in tandem with transit accounts and pass under the specialized control of the bank.
In order to identify the client, the credit institution assigns an individual number to each user account. This is the account for commercial enterprise this number is an important part bank details, which are indicated in contracts, commercial forms and offers.
The structure of a business account consists of twenty digits, where:
- the first 3 digits are the number of the section and the account of the first order;
- the next 2 - the number of the account of the second order;
- followed by 3 digits that define the currency code (RF code - 810);
- control number;
- in the tenth to thirteenth digits, the code of a bank branch that does not have a correspondent account is encrypted;
- 7 subsequent digits - the number of the personal account of the individual entrepreneur (unique code).
Please note: when registering bank details in payment or legal documents, an individual entrepreneur must, in addition to 20 digits of the r / s, in without fail indicate the name of the bank, c / s (correspondent account of the bank) and BIC (bank identification code). it important point, which insures against errors in the transfer of funds.
The current account always consists of 20 digits, in the details of the company, in addition to the account number, the bank (branch), C/C and BIC of the credit institution are indicated
What is the IP account for?
The legislation does not prohibit private businesses from operating without a bank account and making payments for cash(unlike legal entities that are required to have a cash account in their details).
The only restriction in this case is settlements of more than one hundred thousand rubles under one agreement with a counterparty - according to the sixth paragraph of the instruction of the Central Bank of the Russian Federation No. 3073-U “On cash settlements”, such transactions should be paid only by bank transfer.
When deciding to work without a current account, you need to take into account that when paying for goods and services in cash or using your personal physical account. face, a businessman bears certain risks and limits his business to a serious framework. If we briefly talk about the shortcomings of the work of an individual entrepreneur without a r / account, the following should be highlighted:
- the entrepreneur is forced to work with a limited circle of suppliers and buyers, big deals it is not available to him (only up to 100 thousand rubles);
- An individual entrepreneur cannot work with a part of clients who pay with debit and credit cards, make purchases on the Internet, pay for purchases through POS-terminals or electronic wallets (and this is almost 50% of buyers in various distribution channels today);
- in the case when a businessman's personal account regularly receives significant amounts of money, he may fall under the sanctions of the anti-money laundering Federal Law No. 115, lose his physical card. persons and parts of funds;
- expenses for business activities paid from a personal card are not taken into account when declaring taxes (clarifications of the Ministry of Finance No. 03-11-11 / 665);
- An individual entrepreneur exposes his business to the risk of charging tax on the amount received on his personal account, the IFTS can involve the balance on the card for a desk audit, and if it turns out that business payments were made on the card (“for services” or goods), the tax authorities will include all the amount passed on the card to the income of the individual entrepreneur and additional tax will be charged;
- there are risks associated with holding cash;
- in order to make a payment, you need to contact the bank or personally go to the counterparty with cash.
By opening a current account, an entrepreneur frees up time for business or personal affairs, and minimizes tax risks. Let's figure out why an entrepreneur may need a r / account, what services can be obtained by concluding a contract for banking services:
- accepting non-cash payments from contractors and private clients, including through the merchant acquiring system, and crediting funds to the IP account (without restrictions);
- payment for raw materials and materials, rent, other services that are needed for doing business;
- receiving cash from the account;
- transfers of funds within the bank and interbank;
- non-cash payment of interest on business loans (it is possible to set up auto payment);
- payment of tax deductions and contributions to funds (no commission), despite the fact that an individual entrepreneur has the right to pay fees through the cash desk, but in practice there are problems with such payments, up to litigation with the IFTS;
- cash delivery after the collection procedure and storage of proceeds in a bank account (many tariffs have a deposit accrual of interest on the balance);
- at will, the client can connect POS-terminals of non-cash payment (trade acquiring);
- mobile and internet banking;
- salary project - transferring salaries to employees on cards;
- provision of statements and supporting documents on the r / account.
Let's specify additional preferences for the entrepreneur, which gives the presence of a current account:
- Efficiency of settlements and saving time - a business account makes it possible to control and manage your funds online without visiting the bank and institutions through the personal account of the account.
- Additional income - most often the r / account is a deposit, interest is charged on the balance. There is a chance, receiving dividends, to cover the cost of settlement and cash services.
- Image component and additional. guarantees for business lending - counterparties are more willing to cooperate with individual entrepreneurs, and bank statements increase the chances of obtaining a loan for investment in development.
A business has the right to have several checking accounts
What documents will be needed
Almost all credit organizations require from individual entrepreneurs the same package of documents for opening a current account:
- Applicant's passport. If the entrepreneur plans to involve a trusted person in working with payments, the main document of this individual will be needed. faces.
- Extract from the USRIP - the original and a copy certified by a notary or tax authorities. Official paper can be obtained remotely on the portal of the Federal Tax Service. This is done in 1 day: we form an application and send it online to the inspection. Help with electronic signature The Federal Tax Service of the Russian Federation in pdf format can be downloaded within 5 days. You can go to the page of the tax authority at this link.
- If the individual entrepreneur is registered with the IFTS for more than three months, you need to provide the bank with documents confirming that the businessman is conducting business activities. It can be the choice of individual entrepreneurs: annual or quarterly reports of individual entrepreneurs, certified by tax authorities, accounting. reporting (balance sheet or financial result report) or a certificate from the Federal Tax Service Inspectorate that the individual entrepreneur has no tax debts (not older than three months). Additionally, you can provide the bank with a copy of the audit report (if any).
- If the type of IP activity requires licensing, a license is needed. If an entrepreneur works under the patent system of taxation - a patent.
- Application in the form of a bank. The form can be filled out when submitting documents or printed or entered all the data at home so as not to waste time.
At the meeting with the bank officer, you will need to sign the user card so that the bank has your original visa. Some banks ask you to have SNILS on hand when you open an account, you should take it with you.
Can be given to the bank letters of recommendation from partners of the entrepreneur who cooperate with this credit institution or an extract from another bank in which the individual entrepreneur had or has a p / account. Such documents will increase the chance of opening an account.
Please note: banks may have different requirements for copies of documents. Therefore, in order to avoid refusal, it is recommended to make copies of documents directly at the bank (even if this payable service). Calculate for yourself: the savings of 20-50 rubles is not worth the prospect of returning documents and refusal due to incorrect execution.
How to make the best choice of bank
There are a few key points that you need to know about settlement accounts.
Firstly, an entrepreneur has the right to open a r / account at any time when doing business, as soon as it is needed (as mentioned above, an individual entrepreneur can work without a r / s, especially when starting a business).
Secondly, this can be done in any region of the Russian Federation, the choice of a bank does not depend on the place of registration of an individual entrepreneur or his business activities. Maintaining a r / account can take place both with the help of stationary large or small banks, and through Internet banking. The competition in this sector is intensifying every year, so the options are plentiful.
The fastest and least time-consuming opening takes place in young ambitious online banks, such as Tinkoff, Tochka Bank, Modulbank. Here, the service takes place remotely through the payer's Personal Account, there are no branches and bureaucracy when opening an account. Such banks do everything for the convenience of customers, winning their market share. They are trying to keep up with advanced banks and well-known financial institutions with a long history.
The third point is that a current business account is opened for an indefinite period (unlike individual cards). You can close it by writing an application to the bank.
The fourth thing you need to know is that the current accounts of private entrepreneurs are insured by the state. Compensation operations for clients of banks deprived of a license are carried out by the Deposit Insurance Agency (DIA), each deposit is insured in the amount of 1.4 million rubles.
And the last thing I would like to note is that the Central Bank of the Russian Federation does not limit business in the number of bank accounts.
The choice of a particular bank should be based on several basic parameters:
- The cost of opening a r / account and a subscription fee for maintaining an account - key indicator for all users. The main thing that should be taken into account when assessing the total cost of a r / account for an individual entrepreneur is that the absence of a monthly payment is not always beneficial for the user. At the same time, if at first consideration the subscription fee may seem high, it is necessary to clarify the probable number of IP payments per month, it is possible that total cost transfers and replenishment, which are included in it, will pull the scales in the direction of choosing this particular bank.
- Ability to replenish the account in cash: the number and availability of ATMs. It should be noted that third-party banks charge a fee for cash withdrawals, if you have to withdraw cash often, this can result in a significant amount. Daily limits on transfers and cash withdrawals are also important.
- Connectivity and ease of use of mobile and internet banking. Today, this parameter is important for operational payments and work outside the office.
- The reliability of the bank can be assessed by checking whether the bank is entered in the DIA register, to see the status of the bank (whether the bank is under the supervision or rehabilitation of the Central Bank of the Russian Federation). It does not hurt to check where the bank is in the rating of independent agencies (for example, RusRating). Rating "A" and "B" will tell about the stability of the company, lower scores indicate a low level of creditworthiness and the possibility of revoking the license.
Obviously, thanks to competition in the banking sector, it is becoming easier for entrepreneurs today to open business accounts. Financial institutions are trying to develop, introduce new technologies, and be closer to their customers. Mobile and Internet banking is developing rapidly. New players are entering the market. The share of online banking is already almost 50% in the structure of the total settlement and cash services. It becomes easier for a private entrepreneur to purchase a prompt and easy-to-use banking service.
When choosing a credit institution, it is recommended to compare at least 5-9 banks, look at customer reviews, ask the opinion of partners who are already working with the bank. A comparative table of large financial institutions, as well as the best in the ranking of advanced online banks, is given at the end of the chapter.
Choosing a bank for business is a Rubik's cube, you need to correctly add up all the components
Basic services for individual entrepreneurs - settlement services, acquiring, cash-card, etc.
When choosing a bank for business, it is necessary to evaluate the cost of the main package of services - CSC. Understand what additional specific options an individual entrepreneur may need when conducting a business, what can be waived, and what will need to be taken when concluding an agreement. Everything here is individual, and depends on the business activity.
Settlement and cash services - a complex of paid banking services, the basic tariff of which includes:
- a fixed fee for opening a r / account of an individual entrepreneur - not available in many banks;
- the amount for the service, the implementation of operations on current account charged per month;
- the cost of making an electronic payment;
- connection to online banking - paid one-time, there are banks where there is no such service;
- fee for depositing cash into the account - a percentage of the amount.
Analyzing the tariffs of different banks, please note that in some banks, when opening an account for a private business, there are preferential months with zero payment for maintaining an account, in others - promotions for entrepreneurs are periodically launched, others give preferential rate for annual service.
In addition to the base rate, almost all credit institutions provide businesses with Additional services. To understand in detail the topic of choosing the optimal financial organization for individual entrepreneurs, consider those that may be needed for entrepreneurial activities.
Acquiring - POS-terminals, mobile and Internet acquiring
Banks can provide the acquiring service as part of the cash settlement package, or as a separate option.
Merchant acquiring - acceptance of non-cash payments by bank debit and credit cards of individuals. persons at the points of sale of the entrepreneur's products or at the points of provision of services. They are carried out using the so-called POS-terminals, they can be stationary or portable. Usually, acquiring terminals can either be immediately bought from the bank or rented. In this option, the bank will charge a commission on payment transactions that pass through the POS terminal. If the terminal is rented, payments will go fixed amounts in payment of rent. If a technical support redeemed by the entrepreneur, with each transaction there is a percentage determined by the bank.
Internet acquiring allows you to make payments when trading through Internet platforms (using an individual's card number and CVC code). Here, the amount of payment to the bank depends only on the volume, the commission is taken from each amount received on the current account of the entrepreneur. The commission of a credit institution for Internet acquiring is usually higher than a trading one.
The third type of acquiring that banks offer is mobile acquiring, which is a Pay-payment card reader that allows you to make online payments. Service transforms mobile phone or a tablet to an independent payment terminal, the receipt for the purchase comes to email owner.
For three types of acquiring is separate contract for connecting software equipment: for receiving and transferring payments from cash desks - terminals, and for mobile and Internet commerce, specialized gateways are needed that transfer online payments - a software interface (API, LifePay).
Merchant acquiring is a necessary attribute retail and service industries
Corporate cash card
A cash card is an impersonal plastic card that is linked to a current account, it is unnamed, it can be transferred, the movement of funds on a corporate card can be tracked in the Entrepreneur's Personal Account. With a cash card, you can withdraw cash and replenish your account, pay in stores, etc. In general, act like any other card. When handling such a card, you need to own tariff scale, as it differs from simple personal cards.
Almost all banks offer one or more depersonalized corporate cards, most often this offer is included with the standard RKO package. But, despite the fact that the card is included in the settlement and cash services, its maintenance is paid additionally, as a rule, annually.
A special r / account card is different from the cards that go under the salary project.
Payroll project for business
It is beneficial for credit institutions that the client uses as many additional commercial options as possible. Therefore, attracting new customers, and employees of a private company who have open personal accounts, are new consumers of bank services that increase traffic and turnover of fin. institutions. Listing wages on employee cards, the entrepreneur and employees receive certain preferences from the bank: employees - loans on favorable terms, overdraft, etc., individual entrepreneurs - a preferential or zero tariff for transfers to the card. Usually such bank cards are made and delivered free of charge. It is not necessary to visit the bank to replenish the personal cards of employees, it is enough to send a register with the replenishment amounts to the bank. The salary is credited to the plastic card on the day the payment is sent.
Deposit on current account
If the entrepreneur has funds in the account from time to time, they can start to “work”. Banks charge more favorable interest on the account balance than on personal accounts of individuals. persons, as they are interested in clients keeping money on their current account, and business turnover is a more significant category for an institution.
Specific conditions for a deposit on a r / account are established by a credit institution based on the service tariff plan.
How to choose the best bank for IP
Let's say right away: there is no one ideal option for all entrepreneurs. The choice must be made based on the turnover own business, the number of monthly payments to counterparties, how often and in what volume the IP deposits (or withdraws) cash and much more.
To determine the best bank for yourself, it is recommended to make a table in excel or take a calculator in your hands and, taking the basic rates of five to ten banks as a basis, substitute the actual or planned figures for business activities and display the final amount:
- how many payments will be made on the current account per month;
- how much cash will be credited to the account every month, how much will be withdrawn;
- whether acquiring will be used, in what form.
Without this procedure, believe me, it is difficult to adequately assess the final annual amount for banking services.
In the table below, we have selected 15 leading banks - leaders in terms of volume and customer reviews. Settlement accounts intended for start-up businesses with the lowest rates were taken. At the same time, if this affected the cost, rates were taken into account when opening an account remotely.
For each bank, the basic annual service (RKO) is calculated with a connection to online banking, provided that the individual entrepreneur makes 5 payments per month. At the same time, for obvious reasons, the amount that could be paid for the circulation of cash was not taken into account; acquiring is not included in the calculation.
The table shows that the most economical option for the same initial data will be: Modulbank, Tinkoff and Promsvyazbank. But who knows which of the banks below would come out ahead if the cash deposit fee was included in the calculation. For example, Tinkoff Bank has a commission for each operation of almost 300 rubles, while Tochka has 0 rubles. That is, it costs only 10 times to deposit cash, and Tinkoff will catch up with the Tochka in terms of the final cost.
This proves that it is wrong to focus only on service and the cost of opening a r / account. When choosing "your" bank, you need to consider all factors.
Table: TOP-15 banks - cash register comparison, average cost of annual service
| Bank / tariff | Account opening | Service per month / by min tariff | Price per payment | Cash deposit fee | Connection to online banking (one-time) | Total per year (min) / including 5 payments per month |
| Tochka-Bank / Lowcost | 0 ₽ | 750 | 50 ₽ | 0 ₽ | 0 ₽ | 12 000 ₽ |
| Tinkoff Bank Simple | 0 ₽ | 490 | 49 ₽ | 299 ₽ (for any amount) | 0 ₽ | 8 820 ₽ |
| Modulbank Optimal | 0 ₽ | 490 ₽ | 0 ₽ | 0 ₽ | 0 ₽ | 5 880 ₽ |
| Sberbank Minimum | 3 000 ₽ | 1 700 ₽ | up to 50,000 ₽ free of charge, then 0.3% of the amount | up to 50,000 ₽ for free, then 0.3% of the amount | No | 26 400 ₽ |
| VTB 24 Business start | 0 ₽ | up to three months - free of charge, then - 1,100 ₽ | 25 ₽ | up to 50 000 ₽ - free of charge | 250 ₽ | 14 700 ₽ |
| Alpha StartUp | 0 ₽ | 1 090 ₽ | 250 ₽ | up to 30 000 ₽ - free of charge, further - 0.28% | 990 ₽ | 28 080 ₽ |
| Rosselkhozbank Standard | 2 200 ₽ | 1 150 ₽ | 30 ₽ | 0 ₽ | 2 000 ₽ | 17 800 ₽ |
| Promsvyazbank Business Start | 0 ₽ | 399 |
In which bank to open a current account for an individual entrepreneur or LLC - some of the best banks for cash settlement of small businesses in Russia
You can open a current account for an individual entrepreneur or LLC in any Russian bank, the difference is only in tariffs, conditions, quality of work and reliability of the banks themselves. Next, we selected some of the most popular banks for opening a cash account among entrepreneurs, these banks are in the TOP of the most reliable banks in Russia.
Important! The cost of settlement and cash services (RKO) in banks may differ from the cost presented on the official websites of banks, depending on the regions and due to temporary promotions. You can get up-to-date information on cash settlement services by clicking on the link in the description of each of the banks.
What are the best banks to open a current account?
List of banks where you can open a current account and not worry about reliability.
Sberbank is the largest, but also the most expensive bank in terms of providing settlement and cash services for individual entrepreneurs and LLCs. The cost of maintaining a current account with Sberbank differs for each of the regions, but now you can open a current account for an individual entrepreneur or LLC with Sberbank for free.
Sberbank also launched free RKO tariff for 1 year, which includes 3 free interbank payments every month and an unlimited number of internal payments. The cost of the interbank over the limit is 100 rubles per payment.
The remaining tariffs of RKO Sberbank are as follows:
- "Happy Season" 490 rubles includes 5 free payments, both interbank and domestic, then 49 rubles per payment;
- "Good earnings" 990 rubles per month includes 10 of the same payments, then 49 rubles per payment;
- "Active settlements" for 2 490 rubles includes 50 payments per month, then 16 rubles per payment;
- "Active settlements" for 8 600 rubles per month includes an unlimited number of free internal payments and 100 interbank payments, then 100 rubles per payment.
Beginning entrepreneurs previously ignored it due to the high cost of banking services at Sberbank, but thanks to the free tariff, this bank became interesting for novice businessmen.
Now Alfa-Bank is holding a promotion: a 25% discount on cash settlements. You pay immediately for 9 months of cash settlement, the bank gives you another 3 months of service, thus the current account becomes 25% cheaper for you. To take advantage of the promotion, submit now.
According to the study "Business Banking Feers Rank 2016" by analysts Markswebb Rank & Report, it is in the TOP-3 of the most profitable banks in cash settlement for small businesses.
You can open a current account with UBRD for free, the cost of servicing a cash account starts from 500 rubles per month, however, there are also free test options for up to 6 months, but they are provided as part of the purchase of a service package.
The cost of an online interbank payment in UBRD is 25 rubles, intrabank payments are free of charge; using a paper copy of the settlement document - 70 rubles, intra-bank on "paper" - 20 rubles.
The cost of acquiring (a terminal for paying with Visa, MasterCard and other bank cards) in UBRD ranges from 1.6% to 2.5% of the payment amount, the percentage depends on the turnover and type of terminal.
The main advantage of cash settlement services in Tinkoff Bank is accrual of interest on the current account balance - up to 6% per annum, as well as free interbank for individual entrepreneurs and LLC(on the "Advanced" tariff). It is worth noting the increased working time bank for making payments - the bank makes interbank payments daily from 1 am to 20 pm and has very few competitors.
Opening a bank account for an individual entrepreneur or LLC at Tinkoff Bank is free and does not require a visit to the bank, and the cost of servicing depends on the tariff, of which there are two:
490 rubles per month for the "Simple" tariff. At the same time, an interbank transfer will cost 49 rubles, and the interest on the balance will be 6% per annum.
It is important to note this tariff for young individual entrepreneurs, since the bank does not charge a fee for servicing a current account if there is no monthly turnover, and the first 6 months of service are free in any case.
990 rubles per month for the "Advanced" tariff. The cost of the interbank service will be only 29 rubles per transfer or 990 rubles per month for an unlimited number of transfers - taking into account the monthly service, this 1,980 rubles per month, and no fees for interbank online transfers.
The interest on the account balance is 8% per annum.
Stock! The first 2 months of cash settlement services at Tinkoff Bank on this tariff are free for everyone.
According to the Markswebb Rank & Report, Modulbank is one of the top three banks in cash settlement for small businesses, one of the most popular banks among entrepreneurs, a competitor to Tinkoff and Tochka banks.
IP and LLC can open a current account in Modulbank at one of three tariffs:
"Strate" - RKO with free service, but the cost of an interbank payment online is 90 rubles.
"Optimal" - 490 rubles per month, while the cost of the interbank is only 19 rubles per transfer. In addition, the entrepreneur will receive 3% per annum to the account balance.
"Unlimited" - 4 900 rubles per month for RKO and free interbank. Interest is accrued on the current account balance in the amount of 5% per annum.
Intrabank payments are free on all tariffs.
We add that the cost of a trading terminal for accepting payments with bank cards is from 24,500 rubles, the commission from the payment will be 1.9%.
Otkritie is one of the leading banks in terms of reliability. The cost of cash settlement services in this bank varies from region to region, for example, in St. Petersburg it will be 1 100 rubles per month.
When you open a current account with Otkritie Bank, you will receive 3 months free service and 3 months of free access to the Rostender system.
Also, your products and services will be available on openplatforma.ru, which will allow you to expand your customer base.
Lokobank (KB LOKO-Bank) - a bank from the TOP-100 banks in Russia offers the opening of a current account by TIN. By sending an online application with a TIN, the bank will open an account for you in just a minute. You can then provide the bank with the necessary documents at convenient time, and the manager will come to you himself.
Important! For clients who opened an account as a gift with an acquiring terminal.
LOCKO-Bank has 3 tariffs:
"Start" for 0 rubles per month and interbank payment for 59 rubles.
"Optima" for 990 rubles a month, interbank costs 29 rubles.
"Unlimited" for 4,990 rubles per month, payments to another bank - 19 rubles.
When paying RKO for 3 or more months, the bank gives a discount of 5 to 25 percent.
Opening a current account with Somkombank is free of charge, services are provided at a wide range of tariffs:
"Starting" - 650 rubles per month, the cost of one interbank payment - 25 rubles (5 payments free of charge), cash withdrawal without commission - up to 100,000 rubles per month, over - 2%.
"Remote" - 1,150 rubles per month, the cost of one interbank payment - 18 rubles, cash withdrawal without commission - up to 100,000 rubles per month, over - 2%.
"Personal" - 1,850 rubles per month, interbank - 15 rubles, cash withdrawal without commission - up to 100,000 rubles per month, over - 2%.
"Profitable" - a tariff for 3,000 rubles per month with an accrual of 7% on the balance, interbank - 15 rubles per payment, cash withdrawal without commission - up to 100,000 rubles per month, over - 2%.
Bank package rates:
"Starting-Package" - 2,450 rubles per month, which includes 20 prepaid online payments. An electronic interbank over the limit costs 25 rubles per payment, the commission for cash withdrawal is from 2%, while 100,000 rubles per month can be withdrawn without commission.
"Remote-Package" - 3,600 rubles per month, which includes 50 prepaid online payments. An electronic interbank payment over the limit costs 18 rubles, a commission for cash withdrawal is from 2%, while 200,000 rubles per month can be withdrawn without commission.
"Remote-Package" - 4,650 rubles per month ( 80 prepaid interbank online payments, then 15 rubles per payment). The commission for issuing cash is from 2.5%, while 300,000 rubles per month can be withdrawn without commission.
The operating day in Sovcombank begins at 01-00 and ends at 19-00.
Despite the economic crisis, there are more and more opportunities for earning in recent years. Many decide to leave their usual place of work and become individual entrepreneur. However, in order to profitably run a business, you need to know all the nuances. It is definitely worth deciding where it is more profitable to open a current account, which is the best bank for individual entrepreneurs. Next, the best financial institutions with which you can cooperate in matters of running your own business will be described.
"Modulbank"
The work of this financial institution is specifically aimed at private entrepreneurs. Acquiring, accounting, payroll projects - all these services can be obtained in one place. You can open a current account here without difficulties and bureaucracy in just 10 minutes. In this case, you do not need to pay at the conclusion of the contract. Only additional services will be paid, such as a payment order, bookkeeping. According to many clients, this is the best bank for individual entrepreneurs. I am pleased with the convenient interface in the online application to your personal account. An entrepreneur can manage an account while on a business trip or on vacation.
Acquiring for individual entrepreneurs is also relevant today. Which bank to choose? "Modulbank" can also help in this matter. The cost of connecting the most simple commercial equipment will be 24 thousand rubles. For 30 thousand rubles, you can connect a wireless device for servicing cards. This is especially true for cafes and restaurants. Internet acquiring is also relevant today. It is impossible to do without it for those entrepreneurs who plan to open their own online store. The cost of connecting the service in Modulbank is only 1000 rubles.
"Modulbank" also offers to purchase high-quality shop equipment- modular cash desks. This is a high-quality equipment with which even a novice entrepreneur can easily keep accounts. The cost of a stationary cash desk is 33 thousand rubles.
Customer feedback shows that Modulbank really offers a lot of opportunities for business owners. It is no coincidence that many do not have the question of which bank to choose for an individual entrepreneur. For this reason financial institution ranks first on the list.
"Dot"
This bank also offers excellent rates for entrepreneurs. A financial institution does not charge money for opening a current account. However, it should be borne in mind that you will have to pay a monthly fee for services in the amount of 950 rubles. Economists will execute the first 5 payment orders free of charge. For each subsequent one you will have to pay 50 rubles. Good reviews can be heard about the online account of Tochka Bank, which is protected by a double password. To log in, it is not enough to enter a username and password. The site will also ask you to keep the numbers from the SMS message.
The financial institution also offers merchant acquiring for individual entrepreneurs. Which bank to choose? It all depends on turnover. You will have to pay 2.5% of the amount that passed through the terminal during the reporting month. After the client pays with the card, the money is credited to the entrepreneur's current account on the next business day.
Internet acquiring from the bank “Tochka” costs a little more. You will have to pay 3.5% of the turnover. In this case, the amount of the purchase will be credited to the account only after two business days.
Which bank to choose for an individual entrepreneur if several employees work at the company at once? In this case, the Tochka bank is also perfect. The financial institution implements payroll projects. Employees can receive financial rewards for their work on Rocketbank cards.
Bank Tinkoff
Which bank to choose for an individual entrepreneur in Moscow? According to many entrepreneurs, this financial institution is the most suitable. First of all, because it has enough branches. At any time, you can get advice from a qualified specialist, in addition, Tinkoff Bank offers favorable rates for doing business. As in previous cases, you will not have to pay for opening a current account. Moreover, there is no need to pay a monthly fee for the first 3 months either. In the future, the monthly cost of servicing the account will be 490 rubles.
Quite a few good reviews you can hear about the work schedule of a financial institution. Payments enter the account regularly - without public holidays and weekends, from 7:00 to 21:00. Only in rare cases are there exceptions. More features will be available to those who download free mobile application to control the account. The program has built-in accounting, which greatly facilitates reporting for the tax. You can send a declaration directly from your personal account. The bank will remind you of the need to submit a report to the tax office in a few days using an SMS notification.
If the question arises which bank is better to choose for an individual entrepreneur, if it is necessary to pay for the work of the company's employees, you can also pay attention to Tinkoff. The financial institution offers profitable commissions are not taken for transferring money to employees. Plastic cards are also issued free of charge. Reviews show that you can withdraw money for free anywhere in the world.
"Alfa Bank"
Which bank to choose for an individual entrepreneur in Russia for those who are just planning to start their own business? It is worth paying attention to the tariff from Alfa-Bank called Startup. A current account is opened free of charge, monthly you will have to pay 890 rubles for maintenance. The advantage is that you can create up to 5 free payment orders every month. Reviews show that this is quite enough for a novice entrepreneur.
Like other financial institutions, Alfa-Bank offers to use the personal account service. The downside is that you will have to pay 990 rubles one-time for the connection. Together with differs in the increased reliability and usability. To your office Self employed can be accessed from any browser. There is also an app for tablets and smartphones.
For start-up entrepreneurs, Alfa-Bank is also convenient because it offers free legal advice. It is possible to get the help of a qualified specialist who will tell you how to open an account in a particular case, what documents to pay attention to.
"Ural Bank for Reconstruction and Development"
The financial institution offers profitable services for small and medium-sized businesses. You can also open a personal account here. Which bank to choose? The decision should be made after evaluating the proposals of several organizations. For novice businessmen, you should pay attention to the Economy tariff. When opening an account, you will not have to pay for bank services, but the monthly subscription fee will be 650 rubles. The cost of a payment order is 25 rubles.
Good reviews can be heard about the Internet banking of a financial institution. Data in personal account securely protected. Every private entrepreneur can manage the account remotely.
Many people choose Ural Bank for Reconstruction and Development due to favorable acquiring. It offers both a trading option and a resource for online stores. In this case, the client will have to pay only 1.8% of the turnover of funds passing through the terminal. If a private entrepreneur provides his own equipment (trading terminal), you will have to pay 1.7% for bank services.
Bank Avangard
Due to its low maintenance costs, this financial institution is popular with private entrepreneurs who operate in small towns. The downside is that you will have to pay 1,000 rubles to open an account. Monthly subscription fee - 900 rubles. For each payment order, you will have to pay an additional 30 rubles. The financial institution also offers convenient internet banking. SMS-notifications about the operation of the account to the client come free of charge.
Avangard Bank offers simple and secure bank card payments. Which bank to choose for an individual entrepreneur if you plan to work via the Internet? Reviews show that in this case it may well be beneficial to cooperate with this financial institution. Avangard Bank offers both classic merchant and Internet acquiring. The cost of the service will depend on the turnover of funds. If more than 300 thousand rubles pass through the terminal in a month, you will have to pay a commission at the level of 2.9%.
Also offered profitable terms payroll projects. It is possible to get a target credit line for the remuneration of employees. Thus, the risks related to the performance of the firm are significantly reduced.
Promsvyazbank
The financial institution offers a full range of services related to settlement and cash services. The opening of an account for an individual entrepreneur takes place here quite quickly. Which bank to choose? Promsvyazbank is quite suitable for small and medium-sized businesses. When concluding an agreement with a financial institution, you will not have to pay anything. Monthly fee - 1050 rubles. The cost of a payment order is 45 rubles. There is high-quality Internet banking, which allows you to track the movement of your account anywhere in the world.
In 2017, the bank introduced new service. For clients who have just registered as private entrepreneurs, the financial institution offers to open an account for free and maintain it for three months. Customers who conclude an agreement with the bank before December 31, 2017 will be able to take advantage of this opportunity.
January 2019
One of the primary issues that arise 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. About where it is better to open a current account for an individual entrepreneur or LLC under the most comfortable conditions and will be discussed in this article.
Opening a bank account for an individual entrepreneur or LLC
A current account is an account that is opened with a bank by a legal entity or individual for the purpose of storing funds. With its help, current settlements are carried out in a non-cash form. The client can open several such accounts in one bank (they may differ in the currency of the account, and the purpose of funds for them may be different).
You can open a current account through an online application on the website of the selected bank. Usually, an account is opened within a day from the date of application. You don't need to visit the bank for this.
The full package of documents required to open an account is individual for each bank. The final list of documents will be affected by the type of account being opened, as well as legal status organizations. Required documents you need to look directly on the website of the bank where it is planned 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 in which bank to open a current account for an individual entrepreneur or LLC, you first need to decide on the main criteria that such a bank must meet. There are many such criteria, but here are the most basic and important ones:
- fee for opening a current account;
- monthly cost of its maintenance;
- the 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 the reliability of the financial structure in which it is planned to open an account (the rating of the most reliable banks can be found in the corresponding article).
It should be noted that all the prices 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:
- "Favorable start". Main distinctive 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).
- "Active Growth". Monthly service at this rate will cost 792 rubles. - if you pay for the package immediately for the year. If you pay monthly, the price will increase to 990 rubles. per 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.
- "More possibilities". The cost of this package is 1432 rubles. per month when paying immediately for the year (1790 rubles - if you pay every month). The tariff includes 50 free payments, from 51 payments 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.
- "Reliable Solution" For this package you will have to pay from 2480 to 3100 rubles. per month (conditions for the price are the same as for the previous two tariffs). It includes: 100 free external payments (from 101 the cost per operation will be 25 rubles), cash deposits through an ATM or bank cash desk up to 200 thousand rubles. (over this amount, a commission is introduced - 0.1% of the contribution amount).
- "Major League". The tariff is estimated at 6072 rubles. per month with 20% discount. The usual monthly price is 7590 rubles. This tariff plan boasts an unlimited number of free external transfers, as well as commission-free cash deposits without any restrictions.
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%.
Most detailed information for 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 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:
- "Simple". Monthly service for this tariff - 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 the account of an individual and withdrawal of funds up to 400 thousand rubles. - 1.5% + 99 rubles. Replenishment of the current account is subject to a commission of 0.3% (but not less than 290 rubles).
- "Advanced". Its monthly cost will be 1990 rubles. The tariff includes 10 free payments, from 11 each next 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).
- "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 the account persons and can be withdrawn with a commission of 1% + 59 rubles. (up to an amount of 800 thousand rubles). You can replenish your account by paying a commission of 0.15% of the amount (not less than 290 rubles).
Opening a current account for each of the tariffs 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, as it specializes in servicing this category exclusively and provides Better conditions for IP.
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 of the tariffs. 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. In case of zero turnover on the account during the billing period, you will not have to pay for the 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 connected 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 the 101st - 15 rubles per translation).
You can withdraw cash and transfer funds to an individual's account without a commission at the “Required minimum” tariff. The "golden mean" allows you to transfer IP 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 restriction of a free monthly transfer 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 - intra-bank transfers, 20 hours (from one in the morning to nine in the evening) - other bank counterparties.
For a thorough acquaintance with the tariff plans, follow the link.
Open an account
This popular and reliable financial structure is among those where it is more profitable to open a current account.
To issue a package of services, there is no need to visit a bank branch - the manager himself will arrive at the specified address. The account will be opened and available for use within 24 hours (you can get 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 offered five tariffs: “Tariff “1%”, “Electronic”, “Success”, “Alfa-Business VED” and “Everything you need”. The main features of each of them are presented below.
Open an account
The main activity of this organization is work with small businesses. Opening an account here is easier than anywhere else. Opening an account takes 5 minutes and takes place online. Also, your visit to the bank is not required - during the day there is a meeting with a specialist and the signing of an agreement.
Opening an account here is free. It is possible to receive interest on the account balance if a paid tariff is connected (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 site: "Starting", "Optimal" and "Unlimited". Below are the main features of the free Starter package:
- opening a PC and a monthly fee - 0 rubles;
- 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 the terminals of ModulBank, Unistream or Binbank - 0.5%.
Below you can find brief description other tariffs (a full description of all packages can be seen).
Open an account
Comparison table of banks for sole proprietorship or LLC
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. (free transfers are not 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% |
| ModulBank "Starting" | 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 choose the most suitable tariff plan. It is impossible to say unequivocally which of the above banks and tariffs is the best.
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