Let's analyze the modulebank and its work. Open a current account in Modulbank for individual entrepreneurs and LLCs - tariffs for cash settlement services and reviews Main features of the bank

In this article we will look at the procedure for opening a current account in Modulbank. Let's look at tariffs, cash settlement conditions and online banking capabilities. We'll tell you how to submit an online application and highlight customer reviews.

About the bank

Modulbank is a financial institution in the Russian Federation that serves only small businesses - individual entrepreneurs and legal entities. persons The bank ranks first in terms of low cost of services for entrepreneurs, second in organizations and third in retail stores and service enterprises.

Customer service is provided remotely. The bank does not have its own ATM network, but uses the equipment of partner banks. You can withdraw cash from them without commission.

Go to the official website of Modulbank.

Advantages of opening a current account with Modulbank

Using the bank's services provides the following advantages:

• Opening an individual entrepreneur account based on one passport.
• Servicing the account and conducting all operations remotely, online.
• Transfers are made daily from 1:00 to 20:30.
• Convenient and easy-to-use personal account on the bank’s website.
• Detailed consultation on all services.
• Bonuses for new clients.
• Support when changing your tariff plan.
• Free operations for some tariffs.

You can find out more details and open an account on the bank’s website.

Tariffs for cash settlement services in Modulbank

Account servicing is carried out at the following rates:

Rate	Starting	Optimal	Unlimited
Opening cost	0 rub.	0 rub.	0 rub.
Subscriber fee per month	0 rub.	690 rub.	4900 rub.
SMS notification	No	90 rub.	0 rub.
Transfers to other banks	90 rub.	19 rub.	0 rub.
Transfers from an individual entrepreneur's account. persons	up to 300 thousand rubles per month — 0.75%; up to 600 thousand rubles - 1%; from 600,001 rub. — 3%.	up to 500 thousand rubles - 19 rubles; from 500 thousand rubles up to 1 million rub. - 1%; from 1 million rub. — 3%.	up to 1 million rub. — 0; up to 2 million rubles - 1%; from 2 million rub. — 3%.
Transfers from a legal account. persons physical persons	up to 100 thousand rubles — 0.75%; up to 300 thousand rubles — 3%; from 300 rub. - 5%.	up to 200 thousand - 19 rubles; up to 500 thousand rubles — 3%; from 500,001 rub. - 5%.	up to 300 thousand - 0 rub.; up to 1 million rub. — 3%; from 1 million rub. - 5%.
Outgoing transfer limit	1 million rub.	10 million rub.	no limits
Cash withdrawals from third-party ATMs	up to 100 thousand rubles — 2.5%; up to 300 thousand - 5%; from 300 thousand rubles — 6%.	up to 50 thousand rubles — 0; up to 300 thousand - 2.5%; up to 500 thousand rubles - 5%; from 500 thousand rubles — 6%.	up to 100 thousand rubles — 0; up to 500 thousand rubles — 2.5%; up to 1 million rub. - 5%; from 1 million rub. — 6%.
Additional conclusion agreements	1 thousand rubles	1 thousand rubles	1 thousand rubles
Payment for servicing an account for which there have been no transactions for more than 6 months.	3 thousand rubles, but not more than the account balance	690 rub.	4900 rub.
Activation of the “White Business” service for continuous account operation	RUB 990/month	RUB 990/month	RUB 990/month

View detailed tariff plans of Modulbank.

How to open a current account in Modulbank

To open a personal account account for individual entrepreneurs and LLCs, you need to do the following:

• Go to the bank's website and fill out the online application.
• Wait for a call from the Modulbank manager to select a tariff and clarify details.
• Scan and upload copies of the necessary documents to the website - the system will immediately reserve an account number.
• Agree on a time and place to meet with the courier to sign the account service agreement.

Required documents

To open an individual entrepreneur account, simply upload copies of your passport pages to the website. Legal persons must provide:

• Charter and other constituent documents.
• Certificate of tax registration.
• OGRN.
• Documents confirming the manager's approval.
• Copies of passports of the founders and director.
• Licenses.

Settlement and cash services

Cash management services include a large package of services. This includes a salary project, acquiring, corporate cards, etc. Let’s look at the main proposals in more detail.

Accounting

The bank can take over key accounting operations for your company:

• Preparation of primary documentation.
• Accounting for taxes and contributions, preparation of reports.
• Maintaining personnel records and calculating salaries.
• Detailed consultation on all issues.

Free bank accountants work without sick leave, vacations and are always in touch with the client. The necessary document flow is carried out via the Internet.

Salary project

To connect salary cards for employees, you must fill out an online application on the Modulbank website. It will take only 5 - 10 minutes to calculate your salary. A list of employees and a payment slip are generated, and after signing it, the money is immediately transferred to the card accounts.

Advantages of the salary service in Modulbank:

• Salaries are credited to any cards.
• Automatic calculation of personal income tax.

There is no subscription fee for connecting the project's salary. The transfer fee depends on the payment rate. With an unlimited tariff it is free, with an optimal tariff it costs 19 rubles. for one employee.

Trade acquiring

Payment by cards is activated within 5 days after submitting the application. You sign the agreement and pick up the payment card terminal. With acquiring, buyers get more payment options, and you will reduce cash flow and collection costs.

Tariffs for trade acquiring of Modulbank:

Internet acquiring

Acquiring for payments on websites is intended primarily for owners of online stores. But you can connect it to social media. networks. You can pay for goods and services by card, electronic money, using SMS and terminals of the Svyaznoy/Euroset network. Money is accepted through the website or using a mobile application.

Internet acquiring connection is carried out within 3 days, and money is credited to your account within 24 hours. You only pay a commission on each purchase - from 2.2 to 2.4% of the amount.

Online cash register

The cost of connecting online cash registers within the framework of 54-FZ is 11.9 thousand rubles. Modulbank has developed 3 packages of tariffs for clients:

Advantages of an online cash register in Modulbank:

• Fast delivery.
• Simplified registration in tax structures.
• Tax deduction.
• Cash register repair within 1 day - service centers are located in 53 cities of the Russian Federation.

Corporate cards

Using a business card, you can pay organizational expenses, cash out money or top up your account at any ATM. The corporate card is provided by legal entities. individuals and individual entrepreneurs when creating a settlement account. Maintenance - 1 year free, then - 300 rubles. in year.

Deposits for small businesses

Paid tariffs for storing funds provide for the payment of interest on the balance. The minimum amount on the account for interest accrual is 5 thousand rubles. The maximum amount of income depends on the placement period.

You can withdraw funds from your deposit at any time. If you withdraw early, you will not receive interest, but you will have the money at your fingertips at any time.

Bank guarantees

Bank guarantees are provided for participation in tenders and execution of contracts, within the framework of 223-FZ, 44-FZ and 185-FZ. They are issued without collateral, opening a separate account and with a minimum package of documents. The decision on extradition is made within 1 hour.

Key conditions of guarantees in Modulbank:

Minimum period of activity of individual entrepreneurs and legal entities. persons to obtain a guarantee - 3 months.

Currency control

Currency control will be needed for those who conduct their business in US dollars, yuan and euros. At the same time, to carry out foreign exchange transactions, it is necessary to open a special account. Tariffs for it will be as follows:

Advantages of currency control in Modulbank:

• Assistance in concluding agreements.
• Account opening within an hour.

Internet banking in Modulbank

For ease of use, Modulbank has developed a special online remote service. Its functionality is convenient, intuitive and simple. Access to the Internet bank is provided immediately after opening an account.

Main features of the system:

• Receipt and transfer of funds.
• Payment of taxes.
• Registration of deposit accounts.
• Implementation of currency control.
• Merging several organizations under one account if they belong to the same owner.
• Obtaining up-to-date information about receipts and debits from accounts.
• Receive statements and other documents without contacting the bank.
• Setting up automatic payments.
• Possibility to pay using a photo of the invoice.

Managing your account from your smartphone

Access to your personal online banking account is also possible from a mobile application. Its main features:

• Receiving data on all operations.
• Making payments and transfers.
• Setting up SMS notifications.
• Sending account details to clients.

Greetings! Friends, since today we can’t live without a current account, it means that we need to decide in which bank to open a cash settlement account in order to receive maximum benefit. In this regard, I propose to continue the review of the most suitable banks for this, focused primarily on the interests of entrepreneurs. Therefore, today I want to tell you about Module Bank. You can open a current account here directly via the Internet. You will find detailed instructions on how to do this in this article. In addition, I will tell you about the bank’s tariffs and the services it offers to entrepreneurs.

Bank information

I suggest starting your acquaintance with the bank with a historical excursion. “Module-Bank” appeared already in 1992. The organization was originally called " No Name Bank", however, in December 2014 it was renamed to " Module Bank” and began to work in the form in which we know it today. The bank's platform was used as the foundation for launching this project. Regional loan", which is a participant in the deposit insurance system. It is on this basis that Module provides all its banking services.

Management team

The main ideologists of the organization are the former top management team " Sberbank", who worked in the direction of small business, - Andrey Petrov, Yakov Novikov and Oleg Laguta. The authors of the project claim that they tried to implement the idea at Sberbank, however, it did not work as originally planned. It was for this reason that it was decided to launch Modul-Bank.

Entrust the R/S bank Module

Offices and branches

The bank's first office was located in " City of Capitals" - one of the towers of the business center " Moscow City" It’s difficult to call this place a classic office, since it looks more like a hotel room. It's done for customer comfort. In general, everything that Modul-Bank does is done for the convenience of clients. That is why this credit institution has become famous for its loyalty and favorable rates.

The main advantage of the Module is that users can use all its capabilities remotely, online. To start working with the bank, just go to its official site , using a computer, or logging into your personal account through a mobile application. By the way, there you can always request documentation of transactions on your current account.

Today, the bank's branches operate in Moscow, St. Petersburg, Novosibirsk and Kazan. But in order to use the service of opening a current account for legal entities, you do not need to be a resident of one of the above-mentioned cities. Just one visit to the office will be enough for registration; you can perform all other operations remotely.

Module itself positions itself as an innovative credit organization for small and medium-sized businesses, offering legal, accounting and assistant support. At the beginning of 2015, Modul acquired a cloud service to manage the enterprise, “ Unicloud Business 365».

RKO functionality

Well, now let's study the bank from a functional point of view. "Module" is excellent internet platform, allowing you to carry out a full range of operations necessary for individual entrepreneurs and small companies with a staff of 10-15 employees. If you are the owner of a small business and you don’t have extra time to spend traveling to bank offices to do routine work, then Modul-Bank is exactly what you need. If you still don’t know, pay attention to the proposals of the “Module”:

Simple and fast opening of a current account

To conclude a cash settlement agreement with Modul-Bank, you simply need to fill out a form on the website, and then sign the documents at a bank branch or when meeting the courier. online will allow you to work with your account in one direction - to accept money. However, after signing the entire package of documents, the account can be operated in full.

Providing business assistant

Perhaps the most fashionable and popular service that relieves clients from the need to perform boring and routine operations. In addition to the fact that the “Module” helps with minor issues such as setting up Internet banking or payment transfers, it also solves quite complex problems. Thus, as part of this service, bank clients will be able to use the help of a competent lawyer, accountant and even business consultant. In addition, the client can always count on banking assistance in finding reliable suppliers and hired employees, in checking and preparing contracts and many other matters. You can use assistant assistance via chat or phone around the clock.

Overdraft

What kind of bank is this that doesn’t give loans? Modul-Bank offers its clients not just business loans, but individual overdrafts for its development. If you've been covering cash gaps with your credit card or, even worse, your debit card, then you've got yourself a headache. By the way, for those who do not know what kind of plastic he used to solve business problems, I strongly recommend reading. As for the overdraft, in the “Module” you can get it in the amount up to 60% of total revenue of your enterprise.

Issuance of corporate cards for small and medium-sized businesses

By and large, corporate plastic cards are ordinary cards with a standard set of functions. The main advantage of such cards is that they solve the most pressing problem of entrepreneurs - how to withdraw money with RKO. Not only that, having such plastic in your pocket, you can pay with the company’s funds anywhere and anytime, but you can also withdraw money from the account for free at any ATM. Concerning commissions, then it is removed depending on what tariff you chose in the “Module”, and can be from 0% to 1.5% of the cash out amount.

Interest on balance

Internet bank

Convenient Internet banking, which can be used on any operating system and from any device. Besides that you can move all your business online, you will be able to upload any documents directly into the application. Surely you always have a smartphone at hand? You can download a special application to it, which will open access to your current account and allow you to carry out most operations directly from your phone. With the application, you can create new or confirm existing transactions, receive statements from the bank without visiting it, and take an inventory of funds on your account at any time of the day or night.

Possibility of access to Internet banking for up to 5 users

Depending on the selected cash settlement tariff, the bank provides the opportunity to connect from 1 to 5 company employees to an online personal account. This will greatly simplify running your business and allow you to delegate most of your work to subordinates.

Tariffs for cash register services

For Modul-Bank LLC, there are three tariff options to choose from:

• « Starting»;
• « Optimal»;
• « Unlimited».

So that you can study in detail the functionality of each of them, I decided to summarize their review into one single table, which will allow us to evaluate the capabilities of each of the proposed options and choose the most suitable one.

Options	"Starting"	"Optimal"	"Unlimited"
Cost of opening a cash register	0 rubles	0 rubles	0 rubles
Monthly maintenance cost	0 rubles	490 rubles	4500 rubles
Accrual of % on balance	0	3% (if the balance is more than 30,000 rubles)	5% (if the balance is more than 100,000 rubles)
Monthly limits on account turnover	1,000,000 rubles	10,000,000 rubles	Unlimited
Amount of commission for transfers in favor of legal entities	from 90 rubles / 1 piece	19 rubles / 1 piece	0 rubles
Amount of commission for transfers in favor of individuals	0.75% of the transfer amount	19 rubles / 1 piece	0 rubles
Number of free corporate cards	1 piece	2 pieces	5 items
Cost of withdrawing cash from a bank account	0.015	0	0
Number of accesses to Internet banking	1	3	5
Daily cash withdrawal limit from account	100,000 rubles	100,000 rubles	300,000 rubles
Commission for replenishing accounts	0.5% of the top-up amount (cannot be less than 10 rubles)	0	0

Opening a current account: algorithm of actions

It is quite possible that among you, dear readers, there will be those who have reached this point in the review, but still do not understand what is a current account for?. If there are any, then you urgently need to read mine, and then proceed to study these instructions.

So, to open an account in the “Module” you just need to perform a few steps and spend 5 minutes of your time:

1. First of all, we need to register Online .
2. To do this, we enter our data into the system and upload it to them. scans required documents (you will find the list of required papers below).
3. Based on this data, Module reserves a current account number for us, which should be indicated in the agreement.
4. As soon as the company is in the Federal Tax Service database, you will receive a message on your phone message about opening an account, which means that you can safely start working with the bank.
5. To gain access to all features of your current account, you need sign an agreement with the bank. To do this, you either come to the nearest bank branch, or invite an employee to your office or any other place convenient for you.
6. After signing the papers you will be given corporate card And one copy of the agreement. It is from this moment that you become a full-fledged owner of the account.

Open a bank account in Module Bank

Documentation

As for what documents are needed to open a bank account, it all depends on who opens the account.

If you are an individual entrepreneur

• Your passport;
• certificate from the Unified State Register of Individual Entrepreneurs;
• paper confirming the financial position of the company;
• written recommendation from another Module client;
• license or patent on the basis of which the company operates (if any).

If you are a legal entity

In this case, the paper stack will be thicker. You will be required:

• company charter or any other constituent document;
• protocol on the establishment of a company;
• certificate from the Unified State Register of Legal Entities;
• orders for the appointment of managers;
• documents that confirm the actual location of the company;
• a document confirming the right to use the account;
• data on the issue of shares (if we are talking about a joint stock company);
• a license or patent that is the basis for conducting a certain activity;
• documents reflecting the current financial position of the company;
• recommendations from other bank clients.

We withdraw and deposit cash to the account

In order to freely use company funds when paying business expenses, you need to know how to withdraw them from the account, while limiting yourself to “little losses.” The cheapest option is cashless payment by corporate card. If you only need cash, then you will have to use an ATM and pay from 0% to 1.5% of the withdrawal amount, depending on the selected tariff.

If, on the contrary, you are interested in how to transfer money to a current account, then here they will help you:

• bank cards from which you can top up your account;
• self-service terminals where you can top up your account with cash;
• bank tellers.

Often, when replenishing a bank account, entrepreneurs fall into a real stupor, because the account number has completely slipped out of their heads. And okay, if you need to top up your company’s account, but what if you need to transfer funds to a counterparty’s account? To solve this problem, read my review on how to find out an organization's current account by TIN.

Where else can a modern entrepreneur go for cash?

Since concluding a cash settlement agreement is a responsible matter, we cannot entrust it to the first bank we come across. I have repeatedly told you that it is best to open current accounts in those credit institutions that are focused on entrepreneurs and try to do everything for their comfort. Ideally, the bank actively implements modern technologies and offers businessmen technological products that can significantly facilitate their work. In addition to Module, such banks include:

1. Bank "Tochka" . Member of the Otkritie holding. Here, an account is opened remotely, and thanks to a convenient mobile application and Internet banking, any transfers at Tochka can be made 24 hours a day.
2. Tinkoff Bank . An innovative organization that has moved communication with clients from offices to the Internet. Here you can find the most favorable cash settlement conditions for representatives of small, medium and large businesses. Among the many “goodies” that Tinkoff offers its clients, the service deserves special attention acquiring. For those who don’t know what I’m talking about, I wrote it. In it you will find answers to all questions.

register with TKS and use for 2 months for free

What have you heard about Module?

If you believe what entrepreneurs who have done business with it say about Modul-Bank, one can draw only one conclusion: this bank really does his best to make interaction with customers comfortable. Almost everyone who has ever collaborated with Modul unanimously celebrates it efficiency in terms of solving problems of varying degrees of complexity and available tariff plans for every taste and color.

Let's sum it up

In general, this is all you need to know about Modul-Bank. The organization is focused primarily on entrepreneurs of small and medium-sized businesses, which means that these areas can be considered its specialization. Thanks to a flexible pricing system, every businessman will be able to choose the most suitable package of services for himself. optimal price. Despite the complete distance of interaction, prompt technical support and personal assistant online they will help you solve absolutely any problem, regardless of what time of day it is outside your window.

The only thing that confused me was that they only have offices in large cities. It turns out that those entrepreneurs in whose cities there are no Module branches will need to travel many kilometers to them in order to sign the RKO agreement. I would include this point as a disadvantage of the bank, but I believe that over time the organization’s network will grow so much that this disadvantage will simply be erased. On this positive note, I end today’s material. See you soon, friends!

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Every aspiring entrepreneur is faced with the need to open a current account on favorable terms.

An entrepreneur needs an account to pay wages, pay various types of taxes, and make payments to customers and suppliers.

A distinctive feature of Modulbank from other financial organizations is that it works only with small businesses and is well versed in the needs of Russian business.

Advantages of opening a current account with Modulbank

The most important advantages of opening a current account (s/c) in Modulbank are:

Registration in 5 minutes

You are required to register on the bank's official website. The entrepreneur immediately receives the details. They can be included in the contract.

No complications or bureaucracy

There is no need to write an application to connect the service. The decision to open an account is made at the time of signing the agreement.

The most favorable rates

Modulbank is known for its low service prices. The bank was able to set favorable tariffs due to low costs (no offices) and the introduction of technology.

Work 24/7

Payments are processed around the clock. Money is credited to another account on the day of payment.

Possibility of receiving additional funds

The bank charges interest on the current account balance. Available in “Optimal” and “Unlimited” tariffs. The bank charges interest on the average daily balance.

Deposit at 7.0% per annum

You can receive income from funds in the account that are not currently used by the entrepreneur.

Account in different currencies

For the convenience of settlements with foreign partners, the bank offers to open an account in 4 currencies: rubles, dollars, euros, yuan.

2% interest is charged on the balance if the account balance is 1000 dollars, 1000 euros, 6000 yuan. Currency exchange is carried out at a favorable rate.

Multibank service

In your personal account, open accounts in other banks are displayed. A person can track all the money of a business without any problem.

Gift from sponsor

No transfer fees

No commission for transfers within the bank.

Top up from other ATMs

You can top up your current account for free at terminals of banks that cooperate with Modulbank. Payment is also made through your personal account or using a mobile application.

How to open an account in Modulbank

The procedure for opening an account is quite simple. The client is provided with all conditions to ensure his satisfaction.

A manager will come to you

If the client does not have time to visit a bank branch, a manager will come to him. The bank opens a bank account in .

To order a service you must complete the following steps:

• go to: https://modulbank.ru;
• then enter your mobile phone number, click the “Open account” button;
• as a result of these actions, the client is provided with details that he can transfer to clients and partners;
• Bank employees will contact you in 10 minutes;
• the client himself sets the meeting place and time;
• An employee comes to the client with a contract. Registration takes 30-40 minutes;
• as a result of signing the agreement, the client has the opportunity to make money transfers, pay taxes, and receive income;
• the bank will notify the tax and pension fund about the opening of an account account by the client.

The “on-site manager” service is not available in all cities. Therefore, it is necessary to clarify the list in advance by calling 88001005454.

Come to the office yourself

Modulbank operates via the Internet, so the number of bank branches in Russia is quite small. Information regarding the cities where customer service departments are located is presented on the Modulbank website - section “Offices”.

• the client sets a time to meet with a bank employee at the bank office;
• signing the contract will take 45 minutes;
• Work with the account is carried out through.

Documents for registration

LLC owners and individual entrepreneurs are required to submit the necessary documents to Modulbank to open a current account.

Documents for LLC

• passport of the director of the company;
• minutes of the founders' meeting;
• charter and constituent documents;
• a document containing information about the location of the company;
• seal.

Additionally, the bank will require: various types of permits for engaging in business activities, licenses, patents, photocopies of financial statements and a tax return for the last reporting period. If there is no reporting at the time of opening the current account, then it can be downloaded later through online banking.

You are allowed to bring both originals and notarized copies of documents.

Documents for individual entrepreneurs

Individual entrepreneurs provide a passport. At the bank's request, you may need: individual tax number, OGRNIP, copy of financial statements, licenses, patents.

Account maintenance costs - tariffs

Modulbank offers three tariff plans: starter, optimal and unlimited. Each tariff package has its own advantages.

Starting

There is no subscription fee charged to the client. The maximum turnover per month is limited to 1 million rubles. A commission for transferring money from an account to another bank is 0.75% of the transfer amount, but not less than 90 rubles. You will also need to pay a commission for replenishing your account with your own card - 0.5% (from 10 to 75,000 rubles), with someone else's card - 2.7%. The bank will charge 2.5% (up to 100 thousand rubles) for cash withdrawals, and 0.5% for depositing cash into an ATM. A profitable solution for beginning entrepreneurs.

Optimal

Suitable for entrepreneurs and small companies. Maintenance is paid and amounts to 490 rubles per month. An additional 3% (from 30 thousand rubles) is added to the balance of funds on the account. Cash account turnover per month is limited to 10 million rubles. A commission is charged for transferring money to accounts with other companies or paying salaries and dividends - 19 rubles. You can top up your account with your own card for free (the amount of a one-time transfer is from 10 to 75 thousand rubles), using another person’s card - 2.7%. For withdrawals of up to 50 thousand rubles, no commission is charged, cash is deposited into the ATM for free.

Unlimited

Designed for those individuals who make many payments and want to take advantage of additional services. The subscription fee for using the account is 4900 rubles. 7% is charged on the balance of your own funds. The maximum turnover per month is not limited. There is no commission for replenishing your account with your own card (the transfer amount must be in the range from 10 to 75 thousand rubles). For replenishing an account from someone else’s card, 2.7% will be charged (transfer amount is 10-75,000 rubles). The commission for cash withdrawal is 0% (up to RUB 100,000). Cash deposits are free of charge.

The advantage of the unlimited package is that there are no fees for money transfers.

The optimal and unlimited tariff makes it possible to connect a payroll project for an LLC. Salaries are transferred to cards of other Russian banks. There is no subscription fee. Each employee is paid only for the transfer.

Working conditions

Modulbank has a financial monitoring service that monitors the legality of customer payments.

Reasons for closing an account may include:

1. The company is hiding from paying taxes. In order not to close the account, you must pay 0.5% of turnover to the fiscal service.
2. Constant cash withdrawal. Expenses related to the activities of the enterprise should be made using a bank card.
3. Payments are made without description.

The technical support service operates around the clock. You can contact using the following methods:

The service of a business assistant is provided, who is in touch with the client 24 hours a day, 7 days a week. Any issue will be resolved as soon as possible.

Thanks to high-quality service at a low price, Modulbank occupies a leading position in the financial services market.

The client does not have to worry about the safety of personal funds in the account and during transactions. Modulbank insures money in accounts and is responsible for security.

I recently started a series of posts about banks that provide services to small businesses. In the previous article, I sorted it out piece by piece. Today we’ll talk about the terms of service, advantages and disadvantages of another company - Modulbank.

What kind of bank?

Modulbank is a project created specifically for entrepreneurs. Until recently, the company also worked with individuals, but since 2016 it was decided to concentrate on business clients. Thanks to this, employees know exactly what entrepreneurs need and quickly satisfy their wishes.

What are the business opportunities?

Company advantages:

• openingcalculated invoices for individual entrepreneurs and LLCs in 5 minutes - There is no need to go to the bank office and sign an agreement, the details are generated immediately after submitting an application for service
• remote maintenance- problems are solved remotely, there is no need to waste time on visits to departments
• long banking day- transfers are carried out from 5:00 to 20:30, due to which 95% of payments are carried out without delays
• account for individual entrepreneurs using a passport - Entrepreneurs wishing to open an account only need identification
• cross-platform- all functions of your personal account are available via a computer and smartphones (you need to install the Modulbank application)
• professional employees- Modulbank employs not only specialists in banking services: lawyers and accountants who are thoroughly familiar with the problems of small businesses are ready to help and solve problems online.

Why is Modulbank better than others?

These advantages in themselves are not unique - Tinkoff and Tochka, for example, can boast of them. However, Modulbank focuses specifically on medium and small businesses, which no other Russian bank does yet.

The problems that start-up entrepreneurs face are specific and require a quick response. The experience of Modulbank specialists allows us to quickly find a solution and overcome difficulties with minimal losses.

Service tariffs

Modulbank focuses on businesses of various sizes. The range of tariffs includes three programs, the conditions of which maximally satisfy the wishes of clients.

Tariff "Start":

• monthly fee - 0 rubles
• maximum account turnover is 1 million rubles. per month
• the cost of one “payment” is 90 rubles
• commission for transfer to another bank - 0.75% (limit - 100 thousand rubles per month for LLC, 300 thousand per month - for individual entrepreneurs)
• account replenishment - 1.5% of the amount (10−75,000 rubles)
• withdrawal from the account - 1.5% of the amount (maximum 100 thousand rubles)
• replenishment from someone else's account - 2.7%
• depositing cash through ATMs or cash desks - 0.5% (the service is available through Modulbank devices, as well as branches of B&N Bank, Unistream Bank)

The “Start” tariff is suitable for those who conduct up to 5 transactions per month for small amounts. The following point should be taken into account: “Modulbank”, according to the “Starting tariff”, writes off 3 thousand rubles per month from accounts on which no transactions have been carried out for more than six months. If you use banking services very irregularly, I recommend considering a different service program.

Tariff "Optimal"

• monthly fee - 490 rubles (free if you spend over 100 thousand monthly)
• maximum account turnover is 10 million rubles. per month
• interest on the balance - 3% per annum (accrued if the account has 30 thousand rubles or more)
• the cost of one “payment” is 19 rubles
• commission for transfer to another bank - 19 rubles (limit - 500 thousand rubles per month for individual entrepreneurs, 200 thousand rubles per month - for a company)
• withdrawal from the account is free (up to 50 thousand rubles)
• Entrepreneur card maintenance - 300 rubles/year (the first month is free).

It’s not for nothing that the tariff is called “Optimal” - its conditions are acceptable for most Modulbank clients. The subscription fee is more than acceptable, while the cost of payments is low: there is a benefit from the tariff even when there are only 6 transactions per month. Plus, with this tariff you can withdraw and deposit money for free.

Tariff "Unlimited"

• monthly fee - 4,500 rubles (free if you spend over 500 thousand monthly)
• interest on the balance - 5% per annum (accrued if the account has 100 thousand rubles or more)
• the cost of one “payment” is 0 rubles
• commission for transfer to another bank - 0 rubles (limit - 1 million rubles per month for individual entrepreneurs, 300 thousand rubles per month - for a company)
• account replenishment is free (maximum - 75 thousand per month)
• withdrawal from the account is free (up to 100 thousand rubles)
• replenishment from someone else’s account - 2.7% (maximum - 75 thousand per month)
• depositing cash through ATMs or cash desks - no commission (the service is available through Modulbank devices, as well as branches of B&N Bank, Unistream Bank)
• Entrepreneur card service - no commission.

The “Unlimited” tariff is primarily beneficial to those who have already developed their business well and have many clients. It makes sense for a medium-sized business to consider this option, but for the needs of a small business, the capabilities of the “Optimal” tariff are sufficient.

Comparison table

To make it more convenient for you to compare service programs with each other, I have compiled a table with the main conditions.

	"Starting"	"Optimal"	"Unlimited"
Subscription fee	0 rubles	490 rubles per month (can be free)	4500 rubles per month (can be free)
Cost of "payment"	90 rubles	19 rubles	0 rubles
Top up your account from your card	0.5% of the amount	No commission	No commission
Withdrawals	1.5% of the amount	No commission	No commission
Maximum account amount	1 million rubles	10 million rubles	No restrictions
Entrepreneur card service		300 rubles per month (from the second year)	For free
Interest on balance	No	3%	5%

The only drawback that all Modulbank tariffs have is paid transfers of funds to pay taxes and other mandatory payments. However, few such operations are carried out during the year, and savings on subscription fees and other expense items fully compensate for the costs.

Customer service

The first thing an entrepreneur needs from a bank (besides favorable tariffs) is quality support. The company created a customer service to solve problems. You just need to write to support.

As soon as a client contacts the service, a personal employee immediately works with him. All communication is through him: no redirections to employees of technical departments. The manager solves the problem himself.

The company won the competition of the Chamber of Commerce and Industry of the Russian Federation. This is a serious recognition that could not be achieved without a wide range of advantages:

• work without breaks- online support staff 24/7, the problem will be solved both at night and on weekends
• clear communication- support workers do not use professional slang, but explain themselves clearly
• quick resolution of issues- according to statistics, more than 50% of requests are closed within 7 minutes, and 95% of problems are resolved within 2 hours
• customer opinions are taken into account- you will be asked whether the employee liked the work and asked to highlight what could be improved
• mistakes are not scary- in case of an error with the transfer, the bank will return the money along with the commission

Efficiency, accuracy and clarity - these criteria form the basis of the work of the Modulbank support service. Thanks to this approach, clients remain satisfied.

Applications

Entrepreneurs work from all over the world - modern business requires always staying connected. Modulbank has developed applications where clients can transfer money, track account statistics and accept payments 24/7.

In the application’s personal account you can view information on:

• balance
• payments (incoming and outgoing)
• acquiring (if connected)
• accounting department

Through the application, you can communicate with support staff, transfer funds and look at the history of transactions. Information can be displayed in a list or diagram.

Both on Google Play and the App Store, users gave the programs maximum ratings. The software has earned the trust of customers thanks to regular updates. In them, developers quickly eliminate all shortcomings and add new functions.

Built-in accounting

Financial calculations are a headache for an entrepreneur. To hire an accountant you will have to pay, and studying the issue yourself takes time.

Modulbank offers a solution to the problem - built-in accounting. The option is available for clients who have opened a current account. An experienced employee with knowledge of business specifics in the required area will work with you.

How is built-in accounting useful?

• counts money: there will be no problems with preparing “payments”, annual reporting, employee salaries
• keeps track of deadlines: the responsible employee of Modulbank will warn in advance that the deadline for submitting documents to the regulatory authorities is approaching and will submit them for approval - all that remains is to sign
• advises: You can contact an accountant for financial matters at any time of the day or night
• identifies risks: the accountant knows what the tax service may look for and will do everything to ensure that payments are transparent
• protects against losses: the businessman is insured against accountant errors - all expenses caused by them will be paid by Modulbank

Plus, the “Built-in accounting” service will cost less than hiring an individual employee for the company. And the quality of services is higher.

Legal support

Modulbank has employees of a different profile - qualified lawyers.

The bank provides this service because many entrepreneurs face legal problems.

How Modulbank lawyers are useful:

• work with contracts: a lawyer will draw up any agreement and study any sample agreements
• employee registration: the lawyer will study the specifics of the company and draw up standard forms of contracts
• opening of branches, companies: if you decide to expand, a lawyer will prepare document forms

Experts “chew” incomprehensible information from the laws so that even a person very far from legal science can understand it. They, like all other employees, work around the clock.

Business assistant

Entrepreneurs may have small problems that would be good to entrust to someone. Modulbank has provided for this: business assistants solve seemingly small, but very important issues.

The assistant will show, for example, how to buy currency through a bank app. Information will be provided in the following way: screenshots, words - whatever you like. This applies to all functions of the bank: if you suddenly don’t figure out how to issue or pay an invoice, write to the business assistant - he will help.

In addition, assistants are able to carry out assignments. A common service is processing payments: you send all the necessary data into the chat, and the assistant fills out the document and sends the finished form. You can even ask to find the nearest ATMs 😃

Trade acquiring

Shop owners may find merchant acquiring useful. Doing this at Modulbank is profitable: the commission is 1.8% from the transaction. You can choose one of three terminals and pay on credit. The cost of one copy is from 24.5 to 33 thousand rubles, depending on the model.

The terminals have a one-year warranty. If the equipment breaks down during this time, it will be repaired free of charge. During the repair, Modulbank will provide exactly the same terminal: it will be immediately connected to the system, and you will not lose customers.

Connecting trade acquiring will take 5 days:

Open an account, fill out a form for POS service and pay for the purchase of the terminal. As soon as the money arrives, a courier will be sent to you, who will install the equipment and connect it to the cash register. You can accept payment!

The transfer of funds takes one day: you made a purchase on Monday, and on Tuesday the money is already in the settlement case. Sometimes the process takes up to 3 days, but almost all payments are completed within 24 hours.

Internet acquiring

Internet acquiring at Modulbank is not inferior to trading.

Here are its characteristics:

• connection in 4 days: 3 days are spent on processing the application, another day is required to connect the cash register to the current account
• Transfer of funds takes 24 hours
• You can accept payments from all over the world

Another advantage of cash services from Modulbank is the absence of a fixed commission. The fee is charged only for transactions: if there are no purchases, then there is no need to spend money on servicing.

Modulbank offers a choice of two Internet acquiring tariffs:

1. Moneta.Ru - connection is free, commission - 2.7%, you can accept payments from the website, Svyaznoy and Euroset terminals, as well as through electronic money systems
2. Cloud Payments - connection 1000 rubles, commission - 3.5%, you can accept payments from the website, social networks, applications

Connection procedure: leave a request for connection, after which Modulbank will send a questionnaire. Next, Modulbank checks whether the site meets the requirements of the bank, as well as MasterCard and Visa. The bank will send a “cheat sheet” indicating what needs to be completed or changed.

As soon as the requirements are met, the bank will send instructions for connecting to Internet acquiring on the website. The procedure will take 15−20 minutes.

Please note that legislation prohibits some companies from accepting payments online. Restrictions will affect your company if it sells tobacco, alcohol, alternative medicine or is engaged in network marketing. If you have any doubts, write to the support chat - they will tell you for sure whether the service is available or not.

Salary projects

Employees need to be paid. This must be done without forgetting to comply with the law. The Modulbank service takes this into account.

You will need to indicate:

• how many employees work in the company
• everyone's salary
• payment dates

The Modulbank payroll service also generates a payment slip for personal income tax payments. All that remains is to check it and sign the transaction to the tax office.

Each employee requires one payment document, which is paid in accordance with the tariffs:

• 90 rubles - “Starter”
• 19 rubles - “Optimal”
• 0 rubles - “Unlimited”

There are no other payments. In addition, payment of wages is not taken into account when calculating the limit on transfers to individuals - the entrepreneur will not be subject to a large commission.

Currency control

Modulbank offers assistance in passing currency control. The service will save time - you won’t have to deal with this issue yourself.

There is no need to specifically write about partners from abroad. As soon as payment is received from abroad, the bank specialist himself will request documents on cooperation. All that remains is to send the paper, and Modulbank will prepare the necessary documents itself. All procedures are carried out within the 15 days required by law.

If you want to pass control without delays, send the contract with your partner from abroad for examination before signing it. In a few days you will receive a list of comments that are best addressed. This is necessary so as not to make emergency changes to the contract after it has been signed.

Cost of the “Currency control” service:

• 300 rubles when receiving up to 500 thousand
• 1000 rubles upon receipt of up to 2 million
• 2000 rubles when receiving more than 2 million

Overdraft

To ensure that the entrepreneur is always “in the money” and can pay for the delivery even with a negative balance, Modulbank provides the business with an overdraft.

The overdraft limit is set individually - if you want to activate the service, you will need to send reports for the last year and other papers for analysis by bank specialists. Even small businesses that have just opened an account can receive 150-200 thousand rubles. For larger companies the amounts are even higher.

Credit

The bank also took care of: shops, pharmacies, small wholesale and so on.

The following conditions are offered:

• rate - 14%
• limit - up to 2 million

You can submit your loan application without visiting the office.

Requirements: make purchases for six months from the same supplier and are on the “Unlimited” tariff plan.

Stock

To attract customers, Modulbank holds promotions. Participating in them is profitable: you can receive bonuses and spend them on account maintenance.

"Give a friend a bank"

The program for attracting new clients at Modulbank is called “Give a friend a bank.” The company's management expects that customers, impressed by the level of service, will tell their friends about it and recommend connecting.

For each friend you will receive a free month of service. The subscription fee and payment commissions are free. And in order for a friend to appreciate the benefits of Modulbank, he will be given the same gift.

There are no restrictions on the number of friends you can invite - you can invite at least 12 acquaintances and use Modulbank services for free for a whole year.

It is convenient to invite new users through the mobile application. For this, there is a special “Invite a friend” button, which opens when you click on the green icon in the center of the bottom panel. All you have to do is enter your friend’s number, and he will receive a message on his phone describing the benefits of Modulbank.

Other promotions

Modulbank has many partners who provide services for free or for a nominal cost when opening a current account. The most, in my opinion, useful for business are presented below:

• 3 month subscription to Microsoft365
• 10 thousand rubles from MyTarget for advertising campaigns in Odnoklassniki or VKontakte
• 25% discount from ZebraTelecom on virtual PBX
• free 3 months of using the MyWarehouse service.

There are other great deals too. The list is constantly updated based on the wishes of clients and partners.

How to open an account?

I told you about all the advantages of the bank. 😃 It's time to get acquainted with the procedure for opening an account.

First you need to submit an application. There is a special form on the website. It is processed immediately, and within 5 minutes the details will be in the mail.

Signing of documents and issuance of a card takes place 2-3 days after consideration of the application. The time is adjusted to you: write to the courier where and when you want to have the meeting, and he will arrive at the clearly appointed time. There is a minimum of bureaucracy (no applications for opening an account or other “paperwork”), the whole procedure will take 20-30 minutes.

After the meeting, you will need to wait another 1-2 days until the account is fully activated. After all checks are completed, a notification will be sent through the application - from now on you can use Modulbank without restrictions.

Why can they close the account?

Like other companies, Modulbank has a financial monitoring service. Its tasks include identifying suspicious accounts, analyzing them and closing them.

1. Non-payment of taxes. Banks have a rule: check all accounts for which tax deductions are less than 0.5% of income. If you are not on special taxation systems (for example, UTII), then pay at least 0.5% of all income on the account.
2. Frequent cash withdrawals. Suspicious accounts are those from which large amounts of cash are regularly withdrawn, but there are no “non-cash” transactions. Use non-cash payment methods as often as possible and keep all documents confirming the legal use of cash (checks, contracts, invoices).
3. Payments without descriptions. If you write random things on payment documents, the financial monitoring service will become suspicious. Carefully fill out the “payment forms”, entering the same names of goods or services, as well as dates and agreement numbers, as in the agreement with the counterparty.

You can open an account in Modul-Bank for individual entrepreneurs and other forms of enterprise via the Internet. You will need to upload the necessary documents, provide data and select a tariff - the bank will do the rest.

By opening an account with Modul-Bank, you will get rid of headaches with payments and settlements. After all, this bank was specially created for organizations. He works only with business, therefore, he knows everything about it and is maximally tailored to its needs. At the professional forum “FinWin”, this bank took the place of leader in the category “Best service for medium and small businesses”. The Moneymaker Factory will check to see if this is actually true.

Individual entrepreneurs and small enterprises operating in any field can open a current account with Modul-Bank. It is optimal for small companies included in the category of small and medium-sized businesses. Large businesses will prefer banks with a wider range of services. But Modul-Bank pays close attention to each client.

How to open an account?

The opening procedure, as stated on the website, takes only 5 minutes. 2 simple steps and you can get started.

The first step is registration. The client enters his data into the system, scans and uploads documents. The bank reserves a current account number for him, which must be indicated in the agreement. You can work with a bank only after your company is in the Federal Tax Service database.

The second step is signing the agreement and completing the account opening. To do this, the client can drive to the bank’s office or invite an employee to come to him. All subsequent transactions are performed via the Internet. Modul-Bank has 17 offices in different cities. To visit them you must register in advance. Calling an employee to prepare documents is carried out in 44 cities.

Documents for opening an account

You can open an account in Modul-Bank for an individual entrepreneur only with a passport. But subsequently, the necessary documents will still have to be provided.

	For legal entities
1. Passport.	1. Constituent documents (charter, agreement).
2. Licenses, permits, patents for conducting activities.	2. Protocol or decision on the creation of a legal entity.
3. Extract from the Unified State Register of Individual Entrepreneurs.	3. Extract from the Unified State Register of Legal Entities.
4. Information or documents on financial position	4. Order/decision on the appointment of management persons.
	5. Documents confirming the right of location of the enterprise at the actual address (ownership of real estate, lease agreement, etc.).
6. Other documents if necessary.	6. Document on the election of the sole executive body of the legal entity.
	7. A document confirming the right to use the account.
	8. For JSC - the decision to issue securities.
	Current account in ModulBank Passports of the manager and authorized persons.
	10. Licenses, permits, patents for conducting the relevant type of activity.
	11. Information about financial position.
	13. Other documents if necessary.

Tariff programs for business

There are 3 tariff plans in Modul-Bank. Clients can choose based on their scale of operation, number of transactions and capabilities. A startup or individual entrepreneur with a small turnover and rare transactions will like the “Starter” tariff with free service, but it provides for maximum tariffs for related transactions. The “Optimal” tariff corresponds to its name. The small subscription fee is offset by the low cost of 1 payment and the accrual of income on the balance. With the “Unlimited” tariff you do not need to pay anything except the subscription fee. A good advantage would be the accrual of income on the balance of funds.

	"Starting"	"Optimal"	"Unlimited"
Opening an account	For free
Monthly subscription fee (RUB)
Accrual of income on the balance of funds (in annual %%)		Up to 30,000 - 0% Over 30,000 - 3%	Up to 30,000 - 0% Over 30,000 - 5%
Free connection to Internet banking and mobile banking	1 person	3 persons	5 people
Maximum number of users with signing rights
SMS notification	For free
Cost of 1 fund transfer operation / Minimum commission for transfer (RUB)
Transfer of salaries to individuals' accounts (in rubles for 1 transaction)	No service
Paper payment processing	100 rubles added to the tariff
Deposit cash		For free
Cash withdrawal from ATMs in the Russian Federation (per month)	Up to 100,000 rub. 100,001 - 300,000 rub. from 300,001 rub.	50,001 - 300,000 rub. 300,001 - 500,000 rub. from 500,001 rub. - 10%	Up to 100,000 rub. 100,001 - 500,000 rub. RUB 500,001 — 1 million from 1,000,001 rub.
Transactions between bank clients	For free
Card service	First year - 0 rub. Subsequent years - 300 rub.		For free
Number of cards
Issue of additional cards
Issuing a certificate: sent to the client by courier electronic on a closed account	30 rubles per sheet, but not less than 800 rubles per operation 2500 rubles
Free accountant service for individual entrepreneurs on the simplified tax system 6%	Is not provided	For free

Additional options

• External payments in Modul-Bank take place from 5-00 to 20-30 on the day of payment. Internal - at any time.
• The bank itself informs the tax authorities about the opening of an account.
• Money in individual entrepreneurs' accounts is insured according to the rules of the CER (formerly DIA).
• In Internet banking, the client sees the balance in real time.
• For an individual entrepreneur, the card can be used as a personal one for any operations.
• Loyal currency control with a fixed fee for 1 transaction.
• You can set different access levels for employees.
• Convenient, well-thought-out Personal Account and mobile service.
• Availability of related accounting and legal services.

And also many other convenient moments for business.

Bottom line

The bank module works only with small and medium-sized businesses, which means it is not “sprayed” into other areas. A flexible pricing policy allows you to find a middle ground in service. He makes interesting offers to clients that others do not have. Once you open an account with Modul-Bank, you will certainly appreciate all its advantages.

Questions and answers on the topic

No questions have been asked about the material yet, you have the opportunity to be the first to do so

For businesses, accepting payment for goods or services using plastic cards is profitable. Consumers are more relaxed about spending using non-cash payments. Buyers are more loyal to stores that offer different payment options - cash or non-cash, which allows increasing store turnover.

In this regard, entrepreneurs are trying to introduce this form of payment and choose banks that can offer the most optimal terms of cooperation and acceptable terms of service. One of the financial institutions providing acquiring services is Modulbank.

Features of acquiring in Modulbank

This bank is one of the few financial institutions in Russia that cooperates exclusively with small and medium-sized businesses and is familiar with all the intricacies of such entrepreneurship. The products offered by the bank, including acquiring, are maximally adapted to the needs of small and medium-sized businesses.

The features of Modulbank acquiring include the following points:

• high connection speed – you can use the bank’s services through the website by filling out an application;
• the bank does not establish a monthly fee for the use of acquiring; there are no maximum turnover volumes at which this financial institution terminates cooperation with the client;
• After the buyer pays for the goods through the acquiring system, the money is credited to the client’s account within one to two days.

Modulbank offers acquiring connections to retail stores, boutiques, supermarkets, restaurants, service centers, and delivery services.

Entrepreneurs whose business is carried out via the Internet can connect to Internet acquiring. This will allow users to pay for purchases directly when ordering goods on the site.

Advantages

The main advantages of using acquiring from Modulbank are:

• Possibility of connecting services for a wide variety of activities. The client will receive a terminal for paying for goods - mobile (for couriers, in a restaurant, beauty salon) or stationary (at the cashier’s workplace);
• fast connection - in just one day (in Moscow), 5 days - in Russia;
• fast receipt of funds to the client’s account – within one day. As soon as the money reaches the acquirer, he immediately transfers it to the client’s account, the period is 1-3 days;
• terminals become the property of the client after a one-time payment of their cost or by purchasing on credit with an installment plan of up to 1 year;
• If the terminal fails, it will be replaced with a new one, identical to the previous one.

Kinds

Modulbank offers merchant and mobile acquiring services. With the help of trade acquiring, consumers can pay for purchased goods with bank cards through a terminal - in a cafe, restaurant, store, etc. Mobile allows you to pay using a portable terminal. This method is convenient for couriers when delivering goods to an address.

Trade acquiring

When connecting Modulbank trade acquiring, you can use different equipment:

• wired with terminals (Ingenico ICT 250);
• wireless with terminals (Ingenico IWL 250);
• with connection via Wi-Fi (Ingenico IWL 250).

Such terminals accept Visa, Mastercard, and MIR bank cards. At the same time, contactless payments are made, which makes the process of depositing funds for a purchase more convenient and practical.

Mobile acquiring

Using mobile acquiring allows you to accept payments also made using bank cards. This payment method is convenient for enterprises and private entrepreneurs offering services and selling goods and services outside of stores or service centers.

To receive payments, mobile terminals and card readers operating using a smartphone are used.

To connect mobile acquiring you will need to enter into an agreement with Modulbank and obtain the equipment necessary for installation.

The tablet or phone is connected using Bluetooth. The PayMe system works with plastic cards Maestro, Visa, Mastercard, Visa Electron.

How to connect acquiring?

If an entrepreneur is a client of Modulbank, you need to write to the bank’s chat about your desire to connect an acquirer. The manager will help you choose the most effective type of acquiring, taking into account the characteristics of the client’s business, offer to familiarize yourself with the tariffs and send you a questionnaire to fill out.

A bank employee can come directly to the entrepreneur’s office to resolve all organizational issues.

Connection steps

Connecting acquiring is carried out in several stages.

1. It is necessary to open an account with Modulbank so that the money goes directly to the current account. Opening it takes a few minutes; to do this, you need to indicate your phone number, email, and OGRN of the enterprise. There is no need to visit the office to resolve this issue. After receiving the data necessary to open an account, the bank sends the bank account details and sets a convenient time for the meeting.

2. Fill out the application form offered on the official website of Modulbank. Bank employees will help you fill it out. As soon as the bank verifies the documents, an agreement will be concluded after all necessary conditions are met.

3. Receipt of terminals is carried out after the conclusion of the contract. From now on, you can start accepting payments for purchases with money credited to the entrepreneur’s account. Connection is carried out in one day.

Requirements and conditions

The bank does not require you to pay for equipment rental when installing acquiring. If the client’s turnover is low, the bank will not require the return of the equipment; the entrepreneur can immediately buy it back and not pay a subscription fee.

Funds after transactions performed when purchasing a product or service will be credited to the entrepreneur’s account on the next business day, less often – after three days.

Tariffs and commission

Modulbank sets the commission at the level 1,8% regardless of the type of acquiring used. If the client cannot or is not comfortable purchasing the terminal outright, you can buy it on credit. The bank provides the opportunity to purchase a terminal using credit funds for a period from 3 months to 1 year. In this case, the interest rate on the loan is 29% per annum. The loan is issued by Modulbank's partner MFO Finance Exchange.

For online acquiring, a commission is charged depending on the payment method. When making payments using Visa and MasterCard bank cards, the bank charges a commission 2,7% . When using the online banking system and Euroset and Svyaznoy communication shops, the commission is 2,9% .

If QIWI and Yandex.Money e-wallets are used, the commission is 4% . Using WebMoney, Moneta.ru wallets – 2,9% .

Payments via SMS are charged in the amount 4% from the completed transaction.

Payment Methods

Payment for services provided by the bank is carried out by withdrawing the corresponding commission directly at the time of the transaction. You must pay for installed equipment upon purchase by transferring funds to a bank account or by depositing cash.

What competitors offer

“Bank of Moscow” implements an Internet acquiring service with servicing Visa International and MasterCard WorldWide cards. This financial institution has its own processing center, which reduces the cost of bank commissions. The tariffs that this institution sets depend on the turnover of the enterprise, the direction of activity, and the timing of the return of money to the account.

The Bank of Moscow acquiring security system has several levels of protection: a monitoring group, a transaction analysis system, and 3D-Secure technology.

Among the requirements put forward by the bank are the need to have Russian registration, conduct payments in rubles, and not fall under the criteria of the “filter” of activity.

Current account in Modulbank for individual entrepreneurs and legal entities

The bank does not service the gambling business or stores selling tobacco products.

MDM Bank offers its clients a merchant acquiring service with servicing Visa, MasterCard, Maestro, American Express, Zolotaya Korona payment cards and installs POS terminals and provides technological support for cash registers.

The commission for making payments in the acquiring system at MDM Bank is established as a result of studying the data in the client’s questionnaire, checking the documents of his company, taking into account the volume of turnover. If the client has a bank account, he can receive discounts on acquiring.

The bank does not charge money for installation, connection, maintenance of acquiring equipment and staff training. You only need to pay for additional services, such as mutual settlements carried out through third-party bank accounts, participation in bonus programs and promotions.

How to open a Modulbank current account for individual entrepreneurs

Current account for small businesses in Modulbank for 0 rubles: is it real?

INFORMATION ABOUT THE BANK

Modulbank is the only bank in Russia that works only with small and medium-sized businesses. This is beneficial for entrepreneurs: the bank studies only their needs and clearly knows what products are needed.

An individual entrepreneur without employees can use the bank for free, and a large company can pay a small subscription fee and no longer think about commissions. According to the results of a study by the Marksweb agency, Modulbank has the best tariffs for entrepreneurs.

To relieve clients from routine, Modulbank offers a team of assistants: an accountant, a lawyer and a personal assistant. They calculate taxes themselves, submit reports, prepare documents and carry out small work assignments. The customer care service is always in touch and ready to help via chat or phone.

The client resolves most of the issues via the Internet.

Bank module: How to open an account for an individual entrepreneur

To open an additional account, buy currency, activate a service, set up SMS notifications, and go through currency control, the client does not need to come to the bank’s office - just go to his personal account. This way he saves his time.

Modulbank opened in December 2014 as a division of Regional Credit Bank. During the first year, 13,000 clients opened an account with Modulbank. The project showed such good results that in March 2016 the entire Regional Credit became Modulbank. To do this, the bank restructured its processes, closed retail and began working only with small businesses. Now Modulbank is a large bank with history, and today 25,000 entrepreneurs are served here.

Modulbank received 2 “FinWin-2016” awards from the FutureBanking portal: as the most open bank and the best service for small and medium-sized businesses. Took first place in the competition “Best Banking Program for SMEs 2016” in the category “Best Bank for Small Businesses” and entered the TOP 3 best services for legal entities.

Modulbank complies with the standards of the Central Bank, does not issue risky loans, insures accounts with the Deposit Insurance Agency and checks IT systems for security twice a year. This way the bank is confident that clients’ money is reliably protected.

Basic indicators

Source of information: banki.ru