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Opening an account for individual entrepreneurs is more profitable. Which bank is better to open a current account for an individual entrepreneur?

Hello, dear readers of the business blog site. Modern entrepreneurship is closely tied to the banking system. Today it is very important to competently think through the management and methods of calculations 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:

Possibility of acquiring.
Removal of restrictions on cash payments.
Transfer of non-cash salaries.
Integration with 1C accounting, etc.
Possibility of self-collection.
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 "Revival.

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 (calculates taxes and prepares 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	Lots of 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.

In which bank to open a current account: why open current accounts + important criteria for selecting banks + TOP 5 banks for opening a current account for individual entrepreneurs + 5 best banks for LLCs.

Cashless payments are increasingly taking root in everyday business activities. Almost any organization will give preference to transferring money to an account rather than fiddling with cash.

The question of whether will arise on its own as soon as you want to start a business.

Today we will analyze the financial market and help you make the right choice.

Reasons to open a current account

A current account is an account with the ability to record all financial transactions carried out by an individual or legal entity.

Today, banking systems allow you to open up to 10 records for 1 representative, depending on his field of activity and currency.

3 good reasons to open a current account:

For timely payment of taxes to the state treasury.
If an individual entrepreneur can make do with a printed equivalent, then an LLC must carry out transactions through a cashless system.
Regardless of the type of business, payment for goods or services worth more than 100,000 rubles must be made by bank transfer.
Points of sale always send the remaining funds to a bank account. This speeds up the work process and cash flow of the organization.

The standard opening procedure may take 1-2 days. Document processing is carried out on site, and any issues that arise are resolved with a personal consultant.

Filling out the form takes no more than 30 minutes. You must attach scanned copies of documents. Printed copies of papers are sent after opening a current account.

Which bank is better to open a current account for an individual entrepreneur?

Small and medium-sized businesses work very hard with petty cash. And although a limit of ₽100,000 seems quite normal, without a current account you automatically impose restrictions on some large clients and suppliers.

The abundant number of banks prompted us to figure out which of them have the most favorable conditions for providing services of this kind.

1) Criteria for selecting a current account for individual entrepreneurs.

Before choosing which bank to open an account in, we must decide on the most optimal requirements for our activities.

Private entrepreneurship involves a large number of small transactions to pay for goods.

You have to pay for supplies of raw materials and services through bank transfer.

The basis will be to search for a bank that offers the most favorable conditions for crediting funds to a current account.

The most important conditions for selecting a bank for individual entrepreneurs:

The bank is a member of the investment insurance system.

In 2014, a bill was passed that specified the comparison of individuals with individual entrepreneurs.

If the bank loses its license, it will be obliged to pay the entrepreneur 1,300,000 rubles.

Abundance of tariff plans.

The phone application is available for IOS and Android users. The time for making payments is no later than 21:00 Moscow time.

2. UBRD.

On the market for more than 10 years.

To open an account, you will need to visit the bank with documents, the list of which should be obtained in advance from a representative.

One of the largest and financially stable banks in the Russian Federation. In 2016, it took 1st place in terms of money turnover in the west of the country.

The online support system for individual entrepreneurs, as well as small and medium-sized businesses, is constantly in the top three.

Service packages include a large number of free add-ons: business insurance, property insurance, protection against work-related injuries, and more.

Quarterly promotions for servicing a current account and reducing commissions for depositing/withdrawing funds.

The advantages of the Economy tariff for individual entrepreneurs include the free function of connecting and servicing Internet banking, as well as alerts by phone and email.

An individual can order a free business card and conduct transactions within the banking system without commission.

If your company sells at small points of sale, it is also possible to open terminals for free for non-cash payments for goods.

3. Alfa-Bank.

More than 25 years in the banking business and the presence of 14,000,000 clients speak a lot about the quality of Alfa-Bank’s services.

The bonus system allows you to open an individual entrepreneur account on favorable terms within 20 minutes.

If business partners have accounts in the same bank, you will have the opportunity to transfer payments up to 23:30 Moscow time.

The annual fee for the selected tariff is advantageous - there is a 25% discount on it.

Support for popular cloud services will allow you to store statements and reports on the financial transactions of your account with constant access from anywhere in the world.

Free SMS alert system to your phone and mailbox.

The StartUp tariff provides a full package of services with a cash withdrawal commission of 2.2%.

The first 30,000 ₽ can be deposited into the account without commission, then 0.23% will be charged. Similar prices for depositing funds and foreign currency accounts.

4. Tinkoff.

High-speed bank for individual entrepreneurs. Instant transfer of funds and access to transfers between accounts until 21:00 Moscow time.

You can open an account online within 30 minutes. To receive your details in person, you will need proof of identity.

A special feature is the built-in accounting system. Automatic payment transactions at the time you specify and with the required frequency.

Ideal for paying taxes.

1. Criteria for selecting a current account for an LLC.

For a limited liability company, there is one important point: if individual entrepreneurs can hope for compensation in the event of the bank losing their license, then LLCs are in 3rd place in the queue for payments.

It is logical to assume that, most likely, your organization will not receive any compensation at all.

Consequently, the main indicator is the stability of the bank in financial terms.

The most important bank conditions for an LLC:

System assets.
The total amount of funds of the institution itself and its loan obligations.
The higher the indicator, the more stable the bank feels in the market.
Criterion for the creditworthiness of the banking system.
It consists of a set of opportunities for issuing loans under various conditions and interest rates.
A positive or negative forecast is shown by a sign in front of the letter: A+, B- and so on.
Availability of a wide customer base.
The more large organizations invest in a bank, the higher its stability and solvency.

You can assess the financial condition of the bank yourself. Financial institutions are required to post quarterly reports on their activities and cash flow on the Central Bank website.

It is difficult for a beginner to understand this, so if possible, it is better to seek help from a specialist.

2. TOP 5 banks where it is profitable to open an LLC current account.

Based on the criteria described above, we have selected the best 5 banks in the country where your investments will feel safe.

Financial indicators change quickly, so detailed information should be periodically monitored on the page of the Central Bank of the Russian Federation.

1. Promsvyazbank.

It has been on the market for more than 20 years and is in the TOP-3 among private banks in Russia.

Assets amount to more than 1.2 trillion rubles. A systemically important institution in the Russian Federation, which has secured the support of the Central Bank, which makes it a very stable resource for storing funds.

Among the bank's services are work in the financial market and insurance of production risks on favorable terms specifically for LLCs.

There are 2 types of tariffs: for medium and large businesses.

Promotions are held monthly to open accounts at minimal rates or with zero user fees for 6 to 12 months.

Deposits of 4 types will help you store and grow capital on the most favorable terms for you.

Business development and support funds are always ready to help in difficult times and restore LLC activities with minimal losses.

The Business Start tariff will allow you to simultaneously open a free account in foreign currency.

Internet banking service is paid, but the tariffs are the lowest among analogues in the country. Banking day until 20:00.

It is possible to deposit up to 300,000 ₽ per month into your account without interest.

2. Raiffeisen BANK.

Since 1996, the bank has been operating in the Russian market and has established itself as one of the most stable.

The capital is stored in valuable shares and amounts to 37 billion rubles.

A special feature of the bank is daily analytical reports on the financial state of the country's market, which will help you stay in the right direction, and in some situations even adjust your business plan.

The team of analysts pays special attention to macroeconomic factors, which is very important for the activities of any LLC.

The bank will help you open one of 5 current accounts with additional services to choose from.

Maintenance ranges from 1,200 to 5,000 per month. SMS notifications and issuance of payment certificates are made on a paid basis.

The “Start” tariff package provides for a free daily analytical newsletter from the bank’s financial department for LLCs.

Withdrawal of funds will be accompanied by a commission of 2 - 5%. Issuance of payment certificates – 50 rubles.

There are applications on IOS and Android.

3. Trust.

One of the largest banks in the Russian Federation.

The average annual income is 4.6 billion rubles, and working capital is at the level of 260 billion.

In 2015, the Trust joined the financial group of private individuals in the country, which helped to gain an even better foothold in the market for providing financial services, including for LLCs.

The bank is famous for its high-quality service in the field of settlement and cash services. Free setup and minimal fees will help your LLC increase customer traffic and streamline your accounting practices.

The currency conversion rate is 2 - 3%. The influence of external factors affects fluctuations on a daily basis, so you should check the prices on the official page of the bank.

Transfers are available 24 hours a day among system clients and until 21:30 to current accounts of other banks.

The “Starter” tariff is ideal if you do not conduct many transactions.

Cash withdrawals are charged 1.8% of the amount. It is possible to issue a card to an individual – a representative of an LLC.

SMS notifications and accounting reporting will not require additional expenses on your part.

The bank has been in the financial services market for more than 22 years. Throughout its existence, the institution has constantly exceeded the liquidity standards of the Central Bank.

In 2016, according to the results of the influential credit rating agency Expert RA, it took 1st place among banks for LLCs.

Favorable conditions and constant support 24/7 are ideal for business projects in heavy industry and agriculture.

You can register an account either online or by visiting the bank in person, which has a large number of outlets in major cities of Russia. The main office is located in Moscow.

The bank offers to open a current account, which includes a wide package of additional services.

The currency conversion rate is very low - 0.2% - 0.6%. You can only find such indicators on the stock exchange.

The “Startup” tariff is designed to save money when withdrawing/crediting money to a current account. The interest rate is only 1.2%.

As a gift, you can issue a card to an individual - a representative of your LLC - to withdraw up to RUB 300,000 per month with zero commission.

5. Period.

The bank has been on the market for more than 8 years. Has the best online customer service system.

The service allows you to conduct analytical sections at any time and provides detailed statistics on the client base. It is possible to make inquiries about counterparties through the banking system, which is convenient for enterprises of various forms of ownership, including LLCs.

Payments to a current account within the banking network are available 24 hours a day, and to the accounts of other clients - until 20:50 Moscow time.

Instant transfers and balance updates. After sending the funds, the system automatically notifies the recipient about the transfer via SMS and email.

Online banking is integrated into most accounting programs, which is a big plus for financial settlements.

Supports the latest browser and mobile platforms.

The Lowcost tariff is one of the best on the market for LLCs.

Budget payments are made without interest, and in cash you can withdraw up to RUB 100,000 per month without commission.

The “Annual reporting” service is paid – 3,500 rubles. in a year.

All represented banks offer financial transactions on favorable terms all year round.

High financial stability and reserves of funds allow one to hope for compensation from the banking system even in the event of critical situations.

How to choose a bank to open a current account?

We hope it will be easier to make a decision now, Which bank to open a current account for an individual entrepreneur or LLC with the most favorable conditions just for you.

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30 min. reading

Updated: 07/08/2019

The most detailed review on the Internet! Are you looking for a more profitable place to open a current account for an individual entrepreneur? We have prepared a review of the tariffs of the best banks for entrepreneurs, and we will tell you which bank is the most profitable. We will advise you where to open an account for free, find out which banks do not charge service fees. We calculated the cost of payments for you, conducted a detailed comparison of tariffs, studied the pitfalls, and prepared advice from personal experience. Make yourself comfortable and let's get started!

I have been an individual entrepreneur for 11 years. For a long time I was a client of one bank. They had favorable conditions for settlement and cash services for individual entrepreneurs (hereinafter referred to as individual entrepreneurs), but the turn came to change this organization. From today's review you will find out which bank is the most profitable to open an individual entrepreneur's current account. This article will be relevant both for beginners who are just thinking about their own business, and for experienced entrepreneurs who have been operating for several years and are now deciding which bank is best to open a current account for individual entrepreneurs. In this article you will find comparisons of tariffs of various banks, calculation scenarios for beginners and experienced entrepreneurs, and I will also share with you my own experience, from which you will learn about all the pitfalls when opening a bank account and its subsequent use.

I have been registered as an entrepreneur since 2007. During this time I had several business projects. The first is a small tanning studio. Within a year of work, I managed to double the invested money, after which I sold it. Then, I switched to Internet projects. I had an online store for water-saving equipment. I did this for 4 years. The invested money was returned many times over, I didn’t count how much, but I was always in the black and I managed to sell it at a good price. There were several other small online stores, more precisely, one-page sites, where we sold Chinese goods at a huge markup (sometimes up to 1000%). And now I am focused on the content site, which is generated through advertising (contextual, banner, newsletter advertising, etc.), CPA networks, and affiliate programs.

I registered an individual entrepreneur and a current account for him in Ermak Bank, Nizhnevartovsk, Khanty-Mansiysk Autonomous Okrug. It was a bank with the most favorable, at that time, conditions for settlement and cash services (CSR) in the city. Over the past 8 years, I have already changed 3 cities of residence. From Nizhnevartovsk I moved to Moscow, and from there three years later to Gelendzhik.

The main problem that prompted me to look for another bank was working with a USB token. A USB Token is a special key on a flash drive that is used to carry out secure operations (payments, transfers, etc.). These tokens have a limited period of time and need to be re-registered periodically. To re-register it, you need to bring a printed application and acts to the bank. Since I am in a city where there are no Ermak branches, this is a problem for me. The problem, in general, can be solved, can be conveyed by mail or courier, but the last straw for me was that the operator did not accept the Act from the courier, since my signature was different there.

When I opened an account with this bank, I left sample signatures along with the Agreement. Over the years of work, my signature has undergone changes, and since I do not see what my signature was on the sample located in the bank, and the operator did not meet me halfway and could not find a solution to this issue other than to sign the documents again, I decided to go to another bank, especially since technology does not stand still and there are banks that operate without these tokens and their security is no worse, all transactions are confirmed via SMS.

All that remains is to formulate the requirements for the new bank:

The service is not more expensive, and even better, cheaper than in the previous bank;
Online banking with confirmation of transactions via SMS, not via USB token;
Mobile application for Android and iOS (preferred, but not required);
Presence of offices throughout the country (preferable, but not required).

How banks were selected for analysis

At the moment, the content site is at the development stage, which means that I have:

Low speed;
1-3 incoming payments;
Extremely rare outgoing transactions (1-3 times a month), transfer to one of your debit cards in another bank;
STS – 6%, without employees.

In this review you will find out the tariffs of 10 banks, 7 of which are in the TOP 10 banks in the country by assets. Three more banks were included in the review as the most advanced and technologically advanced. One of the criteria for technological effectiveness was the integration of the bank with an online accounting service, with which you can submit tax returns and interact with tax authorities without leaving your home.

To submit tax returns via the Internet, I use the service Kontur.Elba. There was a time when I had to submit reports directly to the tax office at my place of residence, when I lived in Nizhnevartovsk. I decided to find an alternative to queues even before I moved to the capital. You could spend a whole day at the tax office. Now it has become more civilized, they have introduced an electronic queue system, but before you had to arrive almost at 6 in the morning to get in line.

I want to warn you that banks may try to trick you into getting additional insurance for a corporate card, as happened to me at Sberbank. Moreover, managers do this quite brazenly, almost claiming that this is mandatory. Therefore, be more persistent in such cases, make it immediately clear to such a bank scoundrel that you are not going to take out any insurance even in the event of coercion.

In the case of Sberbank, I don’t see the point in a corporate card. Okay, the first year of service is free. But from the second year you have to pay 2,500 rubles. for a useless, in my case, service - I consider it a waste of money.

Accrual of % on balance

This is an interesting service that appeared on the cash settlement market not so long ago. Many banks actively use it in marketing campaigns and advertising. What's the reality?

Let's take Tinkoff Bank. They promise 6% on the balance (Simple tariff). If you look into the details, it turns out that a maximum of 3,000 rubles is credited per month. That is, if you had a million in your account, then at a rate of 6% per annum you should be credited approximately 4,600 rubles, but you will receive only 3,000 rubles.

But that's not the worst thing. Interest is calculated on the minimum balance for the month. Let’s say you have 600,000 rubles in your account for almost the entire month. At a rate of 6% per annum, you will be charged about 2,700 rubles. But if during this period the amount in the account drops lower by at least one day, then you will be credited for this very minimum amount. For example, you transferred 597,000 rubles to a wholesaler, and the next day this money was returned to your account as a result of the sale of goods. This means the minimum balance is RUR 3,000. 6% on this amount will be about 13 rubles.

When I developed an online store, there were always large amounts of funds in my checking account. Of course, it is interesting that they do not lie like a dead weight and at least some penny drips on them. But the entrepreneur constantly operates with this money, buying something, selling something. And charging interest on a minimum amount makes this tool practically useless, or, as I noted above, a marketing one. It allows Tinkov to stand out from his competitors; entrepreneurs are willing to fall for this trick, but it brings real benefits to few.

Among our candidates, a similar service is also available in Modulbank, which offers 3% per annum on the average daily account balance of 30 thousand rubles. This means the bank sums up all the days during the month when you had more than 30 thousand rubles in your account, then divides them by the number of days in the month and charges 3% per annum on the resulting amount.

Let's try to calculate which is more profitable. The table below shows 4 dates. On each of these dates, the status of the current account changed. On March 1, 300,000 rubles were received. Then, on March 12, 295,000 was gone and 5,000 rubles remained. On March 18, 495,000 rubles arrived. and the balance was 500,000 rubles. And finally, on March 24, another 120,000 rubles arrived. after which the balance became 620,000 rubles.

According to the terms of Tinkoff Bank, 6% is charged on the minimum balance, in our example it is 5,000 rubles. The income will be about 25 rubles.

Now let’s calculate the profit in Modulbank. Here you need to count receipts for which the balance was more than 30,000 rubles. It turns out 300,000 + 495,000 + 120,000 = 915,000 rubles. / 30 days = 30,500 rub. We calculate 3% for this amount and it turns out to be about 77 rubles.

As can be seen from the example, the percentage value is not always decisive. Sometimes the method of calculating it wins. In the case of Tinkov, the amount of accrual will depend on the minimum amount in the account. And in the case of Modulbank, everything will depend on the amount of amounts received into your current account.

Online accounting for individual entrepreneurs on the simplified tax system 6% and UTII

If you are unfamiliar with this service, let me explain, it allows you to report to the tax authorities without leaving your home. This is very convenient, as it saves you a lot of time. For me, as an Internet entrepreneur who constantly moves across regions and countries, this is an indispensable service.

As noted above, there are specialized services, for example, Kontur.Elba or My Business, which have wide functionality and allow you to submit declarations and other tax documents not only to simple individual entrepreneurs in a simplified manner without employees, but also to individual entrepreneurs with employees, as well as LLCs under special modes (USN, Patent) and OSNO.

Some banks have similar functions, only in a simplified version. To understand the difference between the functionality of online accounting in a bank and a specialized service, see the table below:

SERVICE	BANKS	CONTOUR.ELBA SERVICES AND MY BUSINESS
Calculation of taxes simplified tax system and UTII, as well as insurance premiums for individual entrepreneurs	Yes	Yes
Creating a payment order	Yes	Yes
Payment Reminder	Yes	Yes
Sending a declaration electronically	Yes	Yes
Calculate employee salaries, report for them to the tax, pension fund and Social Insurance Fund.	Yes	Yes
, vacation pay, bonuses, travel allowances	–	Yes
Accounting for goods, history of movement of goods in the warehouse, generation of warehouse documents, inventory	–	Yes
Issuing invoices, acts and invoices, invoices to counterparties using our own or ready-made templates	–	Yes

This is an incomplete list of differences; the table shows the most popular services. It is worth noting that most banks offer online accounting services only for individual entrepreneurs in a simplified manner without employees and a cash desk. This greatly reduces the number of potential clients and will be relevant for startups, but not for everyone.

Among the disadvantages of online banking accounting, it is worth noting the weak integration with the tax authorities and the lack of quality support. Let me give you an example from my experience:

Recently I received a letter from the inspectorate in which the tax authorities demanded to provide an explanation as to why I had not paid insurance premiums for one of the previous years. All calculations were made in Kontur.Elba, so the first thing I did was contact the support of this service for advice.

The support staff, completely free of charge, checked my declaration, suggested which reconciliations with the tax office should be ordered, and I did this in my personal account of the service and, further, advised me to print out payment documents about the insurance premiums paid and show all this to the tax authorities.

Through the taxpayer’s personal account on the website nalog.ruI created an appeal in which I indicated that I had paid for all the insurance and attached scans of payment slips as proof. Why did you do it through nalog.ru? Firstly, because I was geographically in another city and I considered it inappropriate to spend money on tickets to show these pieces of paper to the tax authorities. Secondly, when filling out an appeal, it is assigned an incoming number, which means that my appeal is processed in a manner that is appropriate for document flow and civil servants have no right not to respond to my message.

What is the conclusion from this story? Even though the Kontur.Elba service costs me more than free accounting through one of the banks, it gives me more advantages and assistance in matters in which I myself am incompetent.

If I were at the initial stage of my entrepreneurial activity, I would definitely consider the issue of opening a current account for an individual entrepreneur in one of those banks that make it possible to report to the tax authorities for free, because in the first years of business activity the likelihood of errors when submitting reports will be minimal , and the money required to pay for one of the online accounting services is better spent on business development.

Determining the most profitable bank

Now let's try to determine which bank is more profitable under different usage scenarios. In all scenarios, only the number of outgoing payments will change. Incoming payments are free everywhere, but the cost of outgoing payments differs. Well, let’s not forget to calculate maintenance, commissions for withdrawing profits and other payments.

Scenario #1: up to 5 outgoing transfers per month

This is a scenario for beginners who will have few payments. Since I am currently developing a new project, these calculations will be very relevant for me.

When calculating the cost of outgoing payments to legal entities, we will take the maximum figure for this scenario, 5. This means that in some months, when there will be fewer outgoing payments, for example, 1-2, the cost of service will be cheaper in some banks.
When calculating the cost of outgoing payments to individuals, we will start from the figure of 100,000 rubles. Here we mean that we will withdraw earned profits to debit cards opened either in the same bank or in other banks. It is clear that in each individual case different amounts will be withdrawn, but since we have agreed that this scenario is designed for beginners, we will assume that the beginner will have a small income. And we will split these 100 thousand rubles. for 4 outgoing payments of 25 thousand rubles, since we mean that money will be received on the account not in one large amount, but in different parts, and we seem to be withdrawing 25 thousand rubles each. every week for a living.

Bank	Alfa Bank	Tinkoff	Dot	Modulbank	Sberbank	VTB	Opening	Raiffeisen
Monthly service	490	408	750	490	0	900*	492	990
	100	98	0	95	200	0	158	125
	0	0	0	0	0	0	0	125
	0	0 + 99**	0	76 (4 x 19)	44 + 62,5***	0	0 + 99****	100
	590	0	0	0	500	0	0	500
	1180	605	750	661	806,5	0	749	1840
Total for the year	7670	7260	9000	7932	4.178	10800	8988	16580

* – I made calculations for VTB Bank taking into account the unlimited promotion, otherwise the bank’s tariffs are unprofitable. The first 3 months of service are free, then 1200 rubles. per month.

** – Since in Tinkov you can withdraw without commissions only to your debit cards, we will include in the expenses the fee for servicing the Tinkoff Black debit card (99 rubles per month)

*** – At Sberbank, servicing a classic debit card costs 750 rubles. first year or 62.5 rub. per month. From the second year, service is 450 rubles/year or 37.5 rubles/month. Do not forget about the unnamed Momentum card, the service of which is free, but I am not taking it into account here, since it is not easy to open and is not available in all service offices.

**** – In Otkritie Bank, as in Tinkovo, without commissions, profits can only be withdrawn to an individual’s debit card opened within the bank. The cost of servicing the cheapest debit card costs 99 rubles/month

So, as you can see from the table, Sberbank’s tariff is outside. It is almost 2 times cheaper than its closest pursuer, Tinkoff Bank.

Scenario #2: up to 20 outgoing transfers per month

Now let's determine the most profitable current account for an individual entrepreneur who is more active than in the first scenario. To do this, I took the online store data for one of the past active periods. The store’s turnover for the year amounted to about 5.5 million rubles. My account received 338 incoming payments (they could not be counted) and there were 186 outgoing payments, of which:

44 were to the accounts of individuals, including to their debit cards for a total amount of 3,380,056 rubles;
12 payments to tax authorities and the Pension Fund;
130 payments to the accounts of legal entities.

Let's divide this data by 12 months of the year, rounding up, and get:

4 outgoing payments per month to individuals for a total amount of 281,671 rubles;
1 payment per month to the tax authorities and the Pension Fund;
11 payments per month to the accounts of legal entities.

Now let's calculate the tariffs:

Bank	Alfa Bank	Tinkoff *	Dot	Modulbank	Sberbank	VTB	Opening	Raiffeisen
Monthly service	490	990	750	490	0	900*	492	990
External payments in rubles via Internet banking to the accounts of legal entities and individual entrepreneurs	400	29	300	209	800	600	632	275
Tax and budget payments	0	0	0	0	0	0	0	25
Payments to individuals' accounts	820	99	500 + 2460	76 (4 x 19)	44 + 660 + 62,5***	1320	1320 + 99****	100 + 1820
Card with sample signatures	590	0	0	0	500	0	0	500
Total for the first month of service	2.300	1.118	4.010	775	2066,5	2.820	2.543	3.710
Total for the year	21.110	13.416	48.120	9.300	19.298	33.840	30.516	39.020

* – In the second scenario, the Advanced tariff is considered, while in other cases the Simple tariff was considered above. In this calculation, Advanced is more profitable than Simple.

From the table it becomes obvious that this time Modulbank is becoming the leader. However, this approach to determining the best bank is not entirely correct, because each bank in the line has several tariffs, the limits and commissions on each of which are different, so the correct conclusion that we can draw from the second scenario is this:

As your business grows, you need to review the tariffs of different banks and change them to the most favorable ones, otherwise you risk overpaying every year for servicing your current account.

I studied the tariffs of the analyzed banks and came to the conclusion that changing the tariff to a higher one in the tariff schedule of each bank will not change the situation much. Only in Tinkov, if you switch to the Advanced tariff, you can reduce the cost of annual service to 12 thousand rubles. In other cases, the cost of service increases.

What else should you pay attention to?

Card with sample signatures

In the comparison table above, I also noted a few more points, for example, the design of a card with sample signatures. Such a card is needed for a bank employee to verify any documents and identify your signature. This is necessary so that documents are not falsified for you. For example, you have been issued an invoice for payment. For some reason, you were unable to use online banking and printed the document on paper and then took it to the bank. A bank employee, when accepting this payment order, will check the signature on the document with a sample signature on the same card that you issued when opening a current account for an individual entrepreneur. If the signatures match, the banker will transfer the money according to the payment document; if not, he will return it back.

So, in many banks from the table above, such cards are not issued, or more precisely, they are not mandatory for registration, because, for example, the same Tinkoff bank does not have service offices and all payment documents can be issued only through your personal account online bank, where each payment is confirmed via SMS.

But when you come to open a current account at the same Sberbank, the employee with a calm face will say that you need to issue a card with sample signatures, the cost of which is 250 rubles in Gelendzhik, and 500 rubles in Moscow. The cost is small, but I am more outraged when unnecessary services are imposed on you. I agreed and only later learned that it was not necessary to issue this card.

There are banks where issuing a card with sample signatures is mandatory when opening an account, for example, at Alfa Bank the cost of the service is 590 rubles. Without this, an account will not be opened for you.

Cost of account closure

In my former Sovdepovsky Ermak they charged me 500 rubles for closing the account. Fortunately, in most modern banks this service is free.

Account statement cost

After the Central Bank of the Russian Federation began a massive purge of the banking sector, the surviving banks are afraid of any claims from the regulator and zealously comply with all its requirements and instructions, one of the most terrible, among which is 115 Federal Law “On combating the legalization (laundering) of proceeds from crime.” through, and financing of terrorism." As a result, many individual and LLC accounts have recently been closed, the activities of which seemed suspicious to financial monitoring services. In 2017 alone, according to the public organization Delovaya Rossiya, banks closed at least 500 thousand accounts of entrepreneurs.

What does this mean to you? Your account can be blocked at any time, even if you conduct business honestly and openly. Therefore, you must immediately imagine the consequences.

1 First, if you actively use the account, your current contracts may suffer, as happened with businesswoman Ksenia:

I work in the field of public procurement, the business is absolutely transparent, all Agreements can be checked on the public procurement website. We use the account every day; it came as a complete surprise to me when my transactions were suspended.

Because of this, I was unable to purchase goods for one of my customers. Now I will not be able to deliver the goods on time and will incur losses due to the terms of the Agreement. And yet, I was unable to pay another invoice for transport delivery with an order for another client, now the car is idle with my cargo.

Who will compensate me for the losses incurred and loss of reputation? How can you look your clients in the eye now?

2 Second, if your account is blocked, then you may need a statement from your current account, which you will then use to calculate taxes. The extract can also be uploaded to Kontur.Elba or My Business and the services will calculate the tax amount for you.

Some banks charge crazy amounts of money for statements like these:

Tinkoff – 2990 rub.
Modulbank – 2500 rub.
Alfa-Bank – 600 rub.

How to choose a bank to open a current account - recommendations and tips

Since in this review, when choosing a bank, I was based on my needs and wants, I will give you advice on what to look for when choosing a bank for cash settlement services.

1 Determine the list of required services. Before compiling your list of banks for rating, determine what you will need in the process of work. For me, this is, for example, an online bank that works without tokens. Maybe you need a salary project, a foreign currency account or.

2 Study the features of the bank and its services. The availability of the service you need does not determine its quality; it may vary from bank to bank. Read reviews on the Internet, call the bank's hotline to clarify the details. For example, not all online banks work on Macs (company products), and not all banks have a mobile version. If you make transfers abroad, you need to find out how much it will cost to maintain an account in foreign currency, as well as the cost of foreign currency transfers. If your line of work requires you to deposit cash, then it is better to choose a bank with a wide branch network, etc.

3 Integration with various services. In the review, I already mentioned the integration of online banks with services such as Kontur.Elba and Moe Delo. In addition to them, there are a lot of other services that can also integrate with your bank, for example, 1C, My Warehouse, Button, Finguru, etc.

4 Location of ATMs. Find out which banks have ATMs near your home or on your way to work. This will help save time on withdrawing cash from the card.

5 Find out where your counterparties are served. It may be worth opening an account in the same bank where the accounts of your main counterparties are opened. This will help you save on commissions, speed up the payment processing time, and partially minimize the questions you receive from the bank’s financial monitoring.

6 Look at payment processing times. For example, in my previous Ermak, payments were processed from 8:00 to 16:00, but there are banks where the payment processing time is from 4:00 to 21:00.

7 Interest on account balance. Sometimes the interest on the balance can cover the monthly checking account maintenance or at least reduce it.

9 Bonuses from partners. When opening an account, many banks offer bonuses from partners, for example, if you advertise your services in Yandex.Direct, Google Adwords or myTarget, you can receive special promotional codes up to 75,000 rubles.

Or you can get several months of free service in various cloud services, such as Kontur.Elba, My Business, 1C Entrepreneur, AmoCRM, or post a free vacancy on HH.ru

Frequently asked questions (FAQ)

Is it necessary to open a current account in a bank and is it possible to operate an individual entrepreneur without a current account?

By law, an individual entrepreneur can conduct his business without opening a current account, but with some restrictions. In particular, cash payments with legal entities and other individual entrepreneurs are limited to 100 thousand rubles. within the framework of one Agreement. For example, you rent an office for 10 thousand rubles. per month. Typically, an agreement is concluded for 11 months, which means that the amount of 110 thousand rubles will be specified in the Agreement, which is prohibited (points 5 and 6 of Bank of Russia Directive No. 3073-U dated October 7, 2013). In this case, you can conclude 2 agreements with the landlord, each valid for six months, which will allow you to meet the required limit within the framework of one Agreement, but for this you must have a good, close relationship with a partner who will agree to do this.

The main problem that you may encounter if you work without a cash account is interaction with other counterparty organizations, although a lot here depends on the type of your activity. If your activity involves working with other organizations, payments with which will be made by non-cash method, for example, purchasing or shipping any goods to legal entities, then you can’t go without an account, since not every organization will want to work with an individual entrepreneur, transferring money to him for services or goods in cash, which is fraught with additional costs for various types of commissions. If you are engaged in retail sales or services and accept cash payments, then you can easily work without a cash account. Where is it more profitable to open an individual entrepreneur current account?

The information presented in this review suggests that it is most profitable to open a current account in Sberbank, Tinkoff Bank, Modulbank and Alfa-Bank. These banks not only have the best rates, but also the most competitive functionality and online banking capabilities.

Which banks open a current account for free?

The following banks open a current account for free: Sberbank, Tinkoff, Alfa-Bank, Modulbank, Tochka, Otkritie, Raiffeisen, VTB (for promotions, check with managers). We are talking about the banks discussed in this review. Surely there are a lot of other banks in which you can open a checking account for free, the purpose of the article was different, namely, to analyze the most reliable and functional banks regarding which bank is most profitable to open a current account.

Reasons for refusal to open an account

If you were refused to open a current account, this could happen for one of the following reasons:

Unreliable reputation. Perhaps you are on the bank’s blacklist or the Rosfinmonitoring blacklist (terrorists and their accomplices), which banks check when analyzing a client. You can be included in the list of unreliable clients for delays or non-payment of a loan, including those issued to an individual, for opening too many accounts, as well as for blocking an account in any bank, for example, for non-payment of taxes, alimony, etc. fines.
Problems with documents. This is a small thing compared to an unreliable reputation, because problems with documents are easy to fix, but correcting your reputation is much more difficult. The bank may refuse if you made some mistake in the application or forgot to provide any document or a copy of it, etc.
Incorrect information. After filling out the application form and providing a set of documents, the bank’s security service will certainly conduct an inspection. If you provided false information, you may be refused to open a bank account.
Problems with tax or other government agencies. If you do not pay taxes, insurance premiums, duties and other important payments, this may cause the bank to refuse.
A victim of statistics, or an attempt to serve the Central Bank of the Russian Federation. This is a rare reason, but nevertheless it does occur. The fact is that due to the massive purge of the banking sector, all banks are trying to strictly follow all recommendations. Every year, each bank reports to the Central Bank, including the percentage of refusals to open a bank account. If the refusal rate is zero, this may cause unnecessary questions from the regulator to the bank, which top managers try to avoid. Therefore, you may well become a victim of statistics. There is no need to despair if you are refused by one bank - go to another; if they refuse there too, the reason is probably not in statistics, but in something else.

Can an individual entrepreneur have several current accounts in different banks?

The law does not limit an entrepreneur in any way in this regard; you can open any number of accounts in any bank and in any region. If you are active, this may even be useful. If suddenly the financial monitoring of the bank considers your transactions questionable and decides to block the account, then while the proceedings are ongoing, it will be very useful to have another account opened in another bank, which you can use for urgent settlements with counterparties.

What documents are needed to open a current account?

In most banks, to open a current account you will only need to present your passport and Taxpayer Identification Number (TIN). However, the bank, at its discretion, may require any other documents from you, for example, a notarized card with sample signatures, a certificate of registration of an individual entrepreneur, an extract from the Unified State Register of Individual Entrepreneurs, licenses necessary for carrying out the activities of an individual entrepreneur. It is always better to find out the exact list of documents on the website or by calling the bank you are interested in.

Which banks do not close accounts?

Such banks do not exist, because all banks are under the control of the Central Bank of Russia, and that, in turn, has laws and regulations. One of them is the Anti-Terrorism Financing and Money Laundering Law. There are entrepreneurs who conduct dishonest business and cash out, both through one-day individual entrepreneurs and through one-day LLCs. Therefore, if your transactions fall under the control of financial monitoring and seem suspicious, your account will be blocked.

To leave a review about a bank, go to the bank's page by clicking on its name in any of the reviews. Or click on the “Detailed conditions” button in the card of the selected bank from the list above.

Popov Sergey Yurievich review about Tinkoff I was attracted to Tinkoff Bank by the opportunity to try cash settlement services for free for 2 months. During this time, I got used to it, got used to the Tinkoff interface, and stayed with them. It's been two years now. You can try it for free. All issues are resolved quickly over the phone. Profitable terms. No

Kirill review about Raiffeisenbank I have been serving at Raiffeisen since 2004 as an individual. person and since 2013 as a legal entity. face. I really like the openness and transparency of the bank, no hidden fees, whatever rate is indicated will be so. Helped us out many times. I sent the payment to the tax office with an error. It is impossible to cancel the operation remotely, and I was very far from the department. I sent the application, they delayed the payment until I received the originals a few days later. I remember back in Austria, when we had another crisis here, people with cards from Sberbank and various small banks were sent for cash, the Rife card was accepted with a bang. Overall very pleased with the service. The only negative point is that R-Connect used to freeze. But in the last year I haven’t noticed this. Individual approach! Not noticed.

Ivan Kolesnikov review about Delobank We have quite a lot of experience working with banks as legal entities. faces. We opened an additional account with DeloBank. The commissions are lower than those of competitors, well, this is understandable, the bank is new. All other services are standard, as in other banks. I like the personal account, convenient and understandable, and excellent technical support. support, it has never let us down yet. RUR 50,000 is not enough. to your individual card.

Dmitry Klyuev review of VTB I would like to express my deep gratitude to the bank, especially to the currency controllers. We have been working with China and Korea for a long time, using foreign currency accounts with VTB. It so happened that our company's email was hacked. As a result, we received invoices as if from our partners and sent a large amount to a Mexican bank. When it turned out that these were scammers, we contacted the bank, despite the fact that our manager’s working day was over, he promptly sent the data and we were able to stop the payment. Five days later the funds were returned to our bank account. Cool currency department! No!

Bezumov Artem Nikitich review about Opening In general, our company is satisfied with the work of Otkritie Bank. There were a couple of times delays with transfers, one of which was in foreign currency. But important payments, such as taxes and duties, are sent on time and free of charge. Our employees also receive wages without delay. RKO prices are moderate. Our business is still small, we are planning to take out a loan for development. Nice prices! There were delays with currency transfers

Kristina Petrova review about Promsvyazbank I opened a current account at Promsvyaz Bank. I liked how quickly the girls in the department worked. They give a hint. help fill out documents. We provided very detailed advice on tariffs, no questions asked. Polite staff, favorable rates. No

Konstantin Martynov review about Loko-Bank Since 2014, I have been served as an individual entrepreneur at Loko Bank. I am very happy with this bank. All problems are resolved promptly, there is no need to go to the branch and wait in line. He also took out a loan to purchase equipment. I was pleased. They approved quickly and transferred the funds. Lots of extra services. Cheap service. Have not found)

Marina Kiriyenko review about Uralsib I am very pleased with the work of Uralsib. We have had an account for a long time and use online banking. Recently there were glitches in the program. I called the department. Within 10 minutes the manager arrived, fixed the problem, and helped quickly fill out the payment order. Managed to pay the rent on time. Thank you very much! Happy with everything! The best bank! No!

Oksana Andronova review about Sphere I registered the IP several years ago. I’m not particularly literate in banking, but I can already rely on my experience. I did not regret that I recently opened a current account with Sfera Bank. Specialists value clients, regardless of what tariff is connected. I don't go to the department. All issues can be resolved remotely. Contact with an assistant is available around the clock. All document exchange can be done via chat. Clear and inexpensive tariffs! No!

Anatoly review about OTP Bank I have long opened a current account as an individual entrepreneur at OTP Bank. In principle, there were no complaints. But after I opened another account in another bank, I realized that OTP is an excellent bank. That bank blocked my account literally two months after opening it. Yes, I understand that this often happens, banks are trying to protect themselves, but still... The account had to be closed, and the bank took a 20% commission, so in this regard, OTP is more reliable. Reliability and loyalty! Not up to par with more modern ones in terms of technology)

Sergey Yanchuk review about Sberbank Not long ago I opened my first individual entrepreneur and took a very responsible approach to choosing a current account. I spent a long time comparing not only tariffs, but also the quality of service. I think this is very important. I stopped at Sberbank. I submitted an application, a girl contacted me, she clearly explained everything, where and how I could open an account, and what documents would be required. I also liked the attitude of the employee directly at the branch; they told me everything, provided advice, and explained some of the nuances of how online banking works. This is not the same Sber with queues and rude attitude) Thank you for changing! Not yet)

Evgeniy Lunko review about Modulbank I tried to cooperate with several banks. There were always some problems. I have been working with Modul Bank for three years now, and there are no problems. None at all. Once there were difficulties with documents for the tax office, a bank employee got into it and resolved the issue very quickly. It took no more than three days, although it could have taken more than a week. The account opening procedure took place via the Internet. Everything is online! No

Ruslan Andreev review about Alfa Bank I am an individual entrepreneur, I have a small business in retail sales. I contacted a bank branch in Kazan about a business loan. The employee advised me in great detail on all products. We were able to choose the optimal solution. I would like to express my deep gratitude to Alfa-Bank for their work! Optimal rates! No.

Mikhail Zverev review about Sovcombank If you want, you can find fault with any bank. I have been cooperating with Sovcombank for 5 years. During this time there were only minor misunderstandings, which were immediately resolved. There is a free tariff, which is where I started my acquaintance with the bank, and then moved on to a more serious one. Small cash limits even on more expensive plans.

review about Dot I opened a current account at Tochka Bank in Moscow and so far I can share my general impressions. I left a request on the website, the girl called back, I briefly explained to her what I needed, she asked for SNILS, INN, and type of activity. The conversation lasted no more than seven minutes. I set a time and place for the meeting. After that, I received an SMS with a temporary login and password so that I could use my personal account. The site already had my first name, last name and account number. Since the individual entrepreneur was opened less than 3 months ago, it was only necessary to upload a scan of the passport and insurance certificate. The next day I met with an employee. He photographed the passport, me with the passport, gave me a completed contract, and then sent the documents for confirmation. Then the employee helped me change my password, login, and activate a corporate card in the application, which was issued immediately. The meeting lasted about half an hour. Over the next few days, I received a couple of emails with training videos, but in general the functionality of the application is clear. 5

Despite the fact that, at the legislative level, a current account is a right and not an obligation, its absence can greatly limit business activity. Of course, everything depends on the specifics of doing business. Thus, an account should be opened by entrepreneurs who plan to make transactions over 100 thousand rubles, because Cash payments for amounts exceeding this limit are prohibited by law.

How to open a current account for an individual entrepreneur: a short FAQ

Is an individual entrepreneur required to open an account? No, this is his right, not his obligation. But it is impossible to carry out settlements in the amount of more than 100 thousand rubles without an account.
How long after registering an individual entrepreneur should a bank account be opened? There are no statutory deadlines.
Is it possible to open multiple accounts? Yes, sure. Their number can be any.
Do I need to notify the authorities about the opening of a bank account? Yes, if the account is opened outside the Russian Federation. If in a Russian bank, then the credit institution will do this for the entrepreneur. Until 2014, the individual entrepreneur himself had to notify the tax office and the Pension Fund, otherwise he faced a fine of 5,000 rubles.
Is it possible to open a free current account for an individual entrepreneur? Can. There are banks that do not charge a commission if there is no turnover. But often this only applies to plans with high monthly fees. And as soon as there is any movement on the account, such a package of services becomes unprofitable.

If the account is optional, then why open it?

Making payments online is faster and more convenient.
It's easy to pay taxes and mandatory payments.
Possibility to conduct transactions for amounts exceeding 100 thousand rubles.
Most companies prefer non-cash payments, so they may refuse to cooperate with an individual entrepreneur who does not have an account.
The ability to accept payments from customers by plastic cards and through electronic money systems (Yandex.Money, Webmoney, QIWI and others).

How to open a current account for an individual entrepreneur - step-by-step instructions

Opening an account for an individual entrepreneur is not a quick process. As a rule, this takes at least 5 working days, not counting the choice of a credit institution. The stages of the procedure can be outlined as follows:

Selecting a bank, comparing conditions for cash settlement services;
Collection of documents;
Submitting an application to the bank;
Opening a current account;
Documents receiving.

Step 1. Select a bank for individual entrepreneurs

An individual entrepreneur can choose any bank that provides cash settlement services. To compare according to objective criteria, before contacting a credit institution, you need to prepare an approximate diagram of financial flows in the company:

How many payments are planned per month;
What is the average amount of operations planned for (if large payments are expected, then this must also be taken into account);
Will funds be withdrawn for economic needs?
How much money will be required per month to pay salaries?

Even if an entrepreneur is just starting out, he must imagine what speed he will be ready to reach in, say, six months.

In each bank, it is advisable to ask a consultant to calculate the cost of cash settlement services per month based on specific data. You should not rely solely on monthly account maintenance information. The fact is that most credit institutions practice limits. For example, the cost of 50 payment orders can be 10 rubles, and starting from the 51st - 100 rubles. for the operation. And it will be unprofitable to make calculations more than 50 times a month.

In addition to the cost of the service, important criteria for choosing a bank will be:

Availability of remote interaction tools (online banking for individual entrepreneurs, mobile application);
Convenient location of the bank office (you will still have to travel, especially if there are problems with Internet services, and you need to send payments);
Are deposits insured by the state (if a bank is not included in the deposit insurance system, then when its license is revoked, the entrepreneur loses all the money);
Other offers for entrepreneurs (interest on the balance, lending on preferential terms, issuing a plastic card for business, etc.).

Some banks provide an online service for opening a current account. However, without visiting the branch, you cannot conclude a contract for cash register services. In fact, we are only talking about reserving an account, that is, in any case, you need to submit a package of documents, this requires your personal presence (or you can make a power of attorney).

Step 2. Collecting documents and submitting an application

List of documents for opening an account:

IP passport;
Application for opening an account;
Extract from the Unified State Register of Individual Entrepreneurs (can be downloaded and printed electronically);
Certificate of registration as an individual entrepreneur or USRIP registration sheet;
Sample signatures (if not issued by a credit institution);
Licenses (when conducting activities that require licensing)

The easiest way to make a card with signatures is directly at the bank if the individual entrepreneur does not have one. For the rest, standard documents are required that the entrepreneur has on hand. They need to be brought to the bank branch. The application is usually drawn up electronically, and the operator, based on it, prepares an agreement, which will be signed after reviewing the application. The bank also has the right to request other documents, as well as a seal (if available).

Step 3. Opening a current account

After submitting the application and before opening the account, an average of 5 more days pass. You need to wait. At this time, the credit institution checks the documents. As soon as a decision is made, bank employees must notify the client about it.

Important! Submitting an application does not guarantee account opening. The bank has the right to refuse to provide this service to the client. This usually happens if there are errors in the application, the information was submitted incorrectly, or additional documents were not submitted confirming the right to conduct business, the availability of business premises, etc.

Step 4. Receiving documents from the bank

After all the checks have been carried out, the bank sends a notification to the client with the decision made: open a bank account for an individual entrepreneur or refuse cash settlement services. In most cases, approval comes. If a refusal occurs, it is important to find out the reason and resubmit the documents. You may have to contact another bank.

If the decision is positive, you must sign an agreement, pay for the service and start using your current account.

An entrepreneur should open a current account for an individual entrepreneur; there are more advantages than disadvantages. This includes the possibility of non-cash payments, conducting transactions in the amount of 100 thousand rubles, and accepting payments by cards.
When choosing a credit institution, it is important to compare tariffs in detail using the example of an existing business.
Opening an account will take time; this fact must be taken into account and not planned until the payment and receipts agreement is signed. Promises to immediately open a bank account for individual entrepreneurs should be treated as an advertising ploy.

The bank has the right to refuse to open an account. This usually occurs due to errors in the application and failure to provide requested documents.