Open a current account for individual entrepreneurs comparison of banks. Open a current account for individual entrepreneurs

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:

1. 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.

2. Regardless of the type of business, payment for goods or services worth more than 100,000 rubles must be made by bank transfer.
3. 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:

1. 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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Greetings, dear friend! With you is Alexander Berezhnov, entrepreneur and founder of the “PAPA HELPED” project and an expert on banking issues.

Two years ago I opened a current account for my individual entrepreneur. In this article I will tell you in which bank it is better to open it and why. I will also give step-by-step instructions, with the help of which even a novice entrepreneur can do this quickly and under the best conditions.

I’ll tell you what list of documents is needed to open a current account and answer frequently asked questions on the topic.

Individual entrepreneur current account - “show-off” or necessity?! We'll tell you here!

What is an entrepreneur’s current account and how does it differ from a “regular” one?

As an individual entrepreneur, you will be able to receive interest on the balance of your personal account and deposit proceeds from the sale of goods and services into it.

RS is convenient to use for settlements with contractors and partners, to pay current expenses: rent, employee salaries, utility bills.

Current account may have commercial enterprises only(IP, LLC and others). For individuals, a regular (current) bank account or deposit is opened.

It is understood that an individual will not accept money received as income or profit from business activities.

Another important difference between RS is that it must be reviewed by the tax authorities. Based on the turnover of such an account, tax is calculated and charged.

When carrying out dubious non-cash transactions, the tax office has the right to block the entrepreneur’s personal account until all circumstances are clarified..

For example, if your current account contains significant amounts from companies with a “shady” reputation or you systematically do not pay taxes.

If this happens, you will need to go to the tax office at your place of residence, resolve any disagreements that have arisen and write an application to unblock the PC. In most cases, this can be done on the same day and you will continue to work with non-cash payments without any problems.

Why does an individual entrepreneur need a current account and how much does it cost to open one?

An entrepreneur needs a current account to work with non-cash payments. Legal entities and individual entrepreneurs in most cases pay for goods and services by transfer to RS.

It is more convenient to pay taxes and make other payments from your business account.

The cost of opening a current account for an individual entrepreneur in 2019 depends on the bank and varies from “free” to several thousand rubles.

But you should not immediately give preference to the bank that offers such a service for ZERO rubles . Further maintenance of this PC may cost significantly more.

First I’ll evaluate the banks’ conditions, then I’ll make a decision

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

You can open the PC yourself according to the instructions below or entrust it to a third-party company. I myself use a reliable service - online accounting "My Business".

Here, in addition to the RS, they will help you, take care of accounting or advise on tax issues.

Step 1. Determine the purpose of opening a current account

Once again, I’ll list point by point why a PC is needed for an individual entrepreneur:

• non-cash payment for goods and services for business activities;
• accepting payments from the public via bank cards (acquiring);
• payment of employees in non-cash form;
• quick transfer of funds to legal entities, including large amounts (over 100,000 rubles).

According to the law, legal entities cannot accept more than 100,000 rubles in cash at a time.

Sometimes, when accepting large amounts, a legal entity does several checks up to 100,000 rubles. This happened to me when I bought an apartment.

The benefits of having a current account are obvious.

Step 2. Select a bank

When choosing a bank, you need to pay attention to several basic criteria.

Here they are:

1. The life of the bank and its “size”, the larger and more famous the bank, the better.
2. The cost of opening the RS itself.
3. Cost of monthly subscription fee for service.
4. Cost of sending a payment order.
5. The amount that can be withdrawn in cash per month without interest and the amount of interest for withdrawals above the limit.
6. Accrual of interest on the account balance: if any, then what.

If you have individual “wishes” for the bank in which you will open a current account, you should also take them into account when making your decision.

In the section of this article “Where is the best place to open an account for an individual entrepreneur,” I listed several good banks for this purpose.

Step 3. Prepare a package of documents

The list of documents for opening a current account may vary from bank to bank, but here are the ones you will definitely need:

• passport;
• extract from the Unified State Register of Individual Entrepreneurs (issued from January 1, 2017 instead of a certificate of registration of individual entrepreneurs);
• SNILS;
• IP seal;

To clarify the list of documents for a specific bank, contact its hotline or directly to the branch.

Step 4. Open a current account in the selected bank

After submitting documents to the bank, the RS will be opened for you within a day. Some banks accept all documents remotely via the Internet and the account will be ready within 20-30 minutes after reviewing your papers.

Step 5. Enjoy cashless payments

From the moment you open an account, you can accept non-cash payments and connect acquiring - accepting payments with plastic cards. You can also conveniently manage money on your PC and make the necessary payments.

The tax office recommends carrying out transactions on the individual entrepreneur’s account that indirectly confirm the actual activities of the entrepreneur. If you receive millions every month by bank transfer, and your RS expenses are 1,000 rubles, you will most likely be called to the tax office for a “conversation.”

You will have to confirm the economic meaning of large transactions and “prove” your non-involvement in money laundering, illegal “cash-out” and other illegal transactions.

Where is the best place to open an account for an individual entrepreneur - choose a reliable bank with favorable conditions

List of banks for opening a personal account:

. One of the best banks in terms of conditions (tariffs) and convenience for entrepreneurs.

Tinkoff Bank. An excellent bank, it was there that I opened a personal account as an individual entrepreneur. I've been using it for 2 years now, no complaints.

. A very reliable and reputable bank, but the service here is quite expensive.

Alfa Bank . One of the biggest. Relatively low cost of IP maintenance.

Eastern Bank. Reliable bank, inexpensive tariffs, suitable for conservative entrepreneurs.

Bank	"Dot"	"Tinkoff"		"Alpha"	"Oriental"
Opening cost RS	For free	For free	3,000 rub.	For free	For free
Maintenance cost per month	500 rubles	490 rubles	1700 rubles	490 rubles	490 rubles
Cost of payments to counterparties to accounts	Free 10 payments, more than 10 rubles for 1 payment order	Free 10 payments, more than 29 rubles for 1 payment order	from 11 rubles (to Sberbank accounts) to 32 rubles for a payment order to other banks	Free 3 payments, over - 50 rubles for 1 payment order	Free 5 payments, more than 49 rubles for 1 payment order
Fee for transfer to individual accounts	up to 200,000 rubles - free, above: from 1% to 3%	1% + 79 rubles	from 11 rubles to 32 rubles per payment order	up to 100,000 rubles - free, over: from 1% to 3%	up to 5 payments - free, over: 49 rubles per payment order
Replenishment fee RS	0.2% of the amount, but not less than 100 rubles	0.25% of the amount, but not less than 290 rubles	0.3% of the amount, but not less than 220 rubles	0.25% of the amount, but not less than 250 rubles	up to 30,000 rubles - free. Above: according to the tariff
Cash withdrawal fee	up to 50,000 rubles: 1.5%, but not less than 100 rubles. Over 50,000 rubles: 3%	up to 400,000: 1.5% + 100 rubles. Over: from 5 to 15% + 100 rubles	1.4% of the amount. Minimum $5	up to 100,000 rubles: 1.5%, but not less than 300 rubles. Above: from 2% to 11%.	up to 300,000: 1.5% + 100 rubles. Over: from 5 to 15% + 100 rubles
Income on the minimum account balance per year	3%	6%	0%	3%	3%

In which bank did I open a current account for my individual entrepreneur and why - I share my experience

Alexander Berezhnov - founder of the project "PAPA HELPED"

When the question arose about opening a personal account for my individual entrepreneur, I did not think long, since I did not make great demands on the future partner bank.

I have a simplified tax system ( 6% on income). The turnover for the year was also planned to be small: from 300,000 rubles to 1,500,000 rubles.

Transaction frequency: 1-2 times per month for the amount 20,000-100,000 rubles.

Before this, I had been using a Tinkoff Bank debit card for a long time, so I made the decision open a personal account in Tinkoff Bank.

I interviewed businessmen I knew who already had a business account with Tinkov. The guys said that they were happy with everything.

The division that provides services to legal entities and individual entrepreneurs in this bank is called ““.

What I like here:

• convenient online account with the ability to do your own accounting;
• integration of a debit card into the individual entrepreneur’s account;
• prompt technical support;
• tariffs and terms of service.

I’ve been using the RS at Tinkoff Bank for 2 years now and I, like my friends, are happy with everything. Now when they ask me if I can recommend this bank for opening a personal account, I say yes.

Frequently asked questions on the topic

I wondered about them myself and regularly heard them from friends.

You can open a current account online directly from your office or home!

Question 1. Is it possible to open a current account online? Anatoly, 29 years old, Vologda

Yes, now almost all major banks offer customers to open a current account online without visiting a physical office. My partner discovered MS a year ago in exactly this way.

To do this, you need to prepare a package of documents, provide the bank with an imprint of your individual entrepreneur’s seal and signature (scanned) on a sheet of paper.

From the bank's side, you will be assigned a personal manager, with whom you will be able to resolve all organizational issues regarding your personal account remotely.

In just 10-60 minutes you will become a full-fledged owner of a PC.

Question 2. Where to open a current account for individual entrepreneurs in 2019? Maria, 34 years old, Nizhny Novgorod

In them, my friends and I discovered PC for ourselves and are quite satisfied.

Question 3. Is an individual entrepreneur obliged to open a current account in principle? Alexander, 35 years old, Samara

According to the law, an individual entrepreneur no need to open PC. But in some cases it is simply necessary. First of all, such an account is needed if you work with legal entities and other individual entrepreneurs. This is called the b2b sector (bi to bi) or “business to business”.

If you plan to work with tenders and quotes, or participate in government contracts, having a PC will be a prerequisite.

When working in trade and accepting card payments (acquiring), you will have to open a current account.

Question 4. How to quickly open a PC? Marat, 27 years old, Kropotkin

If in steps then:

1. Decide on your entrepreneurial goals.
2. Choose a bank with the ability to open a personal account without visiting the office.
3. Submit documents to the bank electronically.

This is the fastest way.

Question 5. What service rates are considered normal? Zaur, 32 years old, Makhachkala

Here I will give Modulbank tariffs for 2019 (my friend has a RS account there):

Account opening:	for free
Monthly subscription fee:	490 rubles
Cost of sending a payment order:	19 rubles
Cash withdrawal up to 50,000 rubles per month:	no interest
Cost of payment to an individual up to 500,000 rubles:	19 rubles, (over 500,000 rubles: 1%)
Monthly interest accrual on account balance:	3% per annum

These tariffs can be considered as average. I believe that the conditions described are quite beneficial for individual entrepreneurs.

Question 6. Is it possible to open an account without a service fee? Nina, 23 years old, Cherepovets

Yes, you can. A number of banks do not charge service fees under RS. But, often under such conditions, the cost of sending a payment order is significantly higher than in other banks.

Carefully read the terms of the agreement with the bank, as it will definitely not remain in the red. Try to predict the volume of future operations and their frequency. Based on these criteria, make a decision in favor of one bank or another.

Question 7. Is it possible to link a card to your current account as an individual entrepreneur and pay for purchases with it? Nikolay, 29 years old. Volgograd

Now in almost all banks an RS is opened with a card that is “linked” to it. It turns out that you have another plastic card. You can pay with it in stores like anyone else.

Question 8. Why may they refuse to open an account? Ivan, 41 years old, Murmansk

There are several such reasons. In most cases, this is a trivial problem with documents: the necessary papers are missing, they are executed incorrectly or have lost their legal force.

The most common reason for refusal— suspicion of having committed illegal transactions in the past (money laundering or terrorist financing). Recently, the topic of “surveillance” of the movement of non-cash money of entrepreneurs and individuals has been hotly raised on the Internet and the media.

According to unofficial information, banks have a single database of “unreliable merchants.” Once you get into it, it is difficult to prove that you are an honest and law-abiding entrepreneur.

If the bank refuses to open a personal account, the last resort is to register a company (IP) in the name of a relative and conduct business on his behalf. If this happens to you, you can contact a lawyer or lawyer.

Sometimes in complex legal situations I myself use outside help. Specialists from the online service “Lawyer” will help you resolve complex legal issues.

I periodically turn to these guys and responsibly recommend this company as trusted by “PAPA”.

Question 9. Do I need to notify the tax and pension fund about opening a current account? Svetlana, 34 years old, Elektrostal

Indeed, previously, within 5 days after opening an RS, it was necessary to notify the tax office and the Pension Fund by submitting an application. A fine was imposed for failure to comply with this requirement.

Do it now Not required. Since May 2014, a law came into force that abolished the procedure for mandatory notification of government agencies about the opening/closing of a distribution network.

Now the bank does this for you automatically.

conclusions

A current account is necessary for an entrepreneur to carry out non-cash transactions. Each bank interested in a new client tries to offer the best conditions for opening a current account. At the same time, it is important to look at where it will be more profitable for you to open a PC in the long term.

Remember: “Strategic miscalculations cannot be compensated for by tactical successes!”

First, formulate the criteria and requirements based on which a decision will be made to open a personal account in a particular bank.

These criteria include: the volume and frequency of transactions, the size of the balance of funds stored in the account, work with foreign currency and others.

Remember that some banks open an account for individual entrepreneurs for free, but then “get” theirs by providing you with more expensive services for using the PC.

To make an informed decision regarding one bank or another, compare the conditions for opening a personal account in each of them. Open an account in a trusted bank, do not be fooled by tempting offers of freebies from small and new “players” in this market.

If the bank in which you have money on RS IP “bursts”, then the deposit insurance agency will reimburse you for the amount up to 1,400,000 rubles.

However, if you are private lawyer or a notary, then the money is tied up with professional activities upon revocation of a bank’s license, You YOU WILL LOSE!

As a result, no matter which bank you choose, the risk of force majeure always exists. After all, this is entrepreneurial activity, and here the strongest wins.

It is not necessary for an individual entrepreneur to open a current account. However, often, especially when a businessman is focused on rapid growth of the company and plans to enter into cooperation with other large companies, cash register will be an important element of success. But where to go? At the moment, there are many credit organizations and banks on the territory of the Russian Federation that have in their list of services such as opening an account for entrepreneurs. But just as there are many representatives of this service, there is an equally wide range of prices. Therefore, you have to spend a lot of time finding out, calculating and looking for the most suitable conditions. After all, many additional factors are hidden inside the opening service - the cost of fees for maintaining an account, prices for transfers and cash withdrawals, and so on.

Where to open a current account for an entrepreneur

The purpose of a current account is to be a convenient tool for running your own business. It is used both for control by entrepreneurs themselves, and for blocking activities and drawing up fines by the tax department together with extra-budgetary funds.

What you can do with a current account:

• Use non-cash transfers
• Accept transfers from other organizations and legal entities
• Pay taxes
• Pay contributions to funds

This is only a small part of the main functions. But remember, it’s better not to use this account the same way you use your personal bank account. Otherwise, the tax authority may get confused during the audit and force you to pay an additional 13 percent of income tax.

If an entrepreneur additionally connects the online banking service to his account, he gets the opportunity to use it directly from his personal computer, which is very convenient and saves a huge amount of time.

To the question of where should I open a current account, no one can give a 100% definitive answer. This is because there are too many individual factors. However, figuring out what principles you should use to choose a bank is a completely accessible goal.

So, for example, if an “investor” opens a bank account for a small local business, and the main thing for him is the minimum commission for maintaining an account, then let him look among local regional banks. However, problems may arise with transfers to personal accounts of foreign companies, so you should think twice. Maybe a federal organization would be more suitable. More expensive, but more functional.

Criteria for choosing a bank for opening a current account

In addition to your own preferences and goals that your business will pursue, there are a number of factors that you need to focus on when choosing a bank:

1. Service price according to opening an account for an entrepreneur
2. Service price p/s (in some organizations you you may come across an offer where to pay, in in case of zero turnover account, you won’t have to).
3. How much will they charge for transactions? transfer of own funds.
4. The cost of processing one payment order.
5. Connection options and online banking services, and also cost and commissions.
6. Location of the bank (you still have to go there sometimes, and if not connect online banking, then even quite often).
7. Reliability. This factor is considered, including using feedback from the organization's clients.

It is advisable to choose a bank that belongs to the DIA (deposit insurance agency) state guarantee system. In this case, you can count on the fact that your funds stored in the bank will be insured, and in cases of unforeseen problems of the banking organization (alas, this is not uncommon nowadays), the state will compensate you for them.

As you begin to select a current account management system that is convenient for you, monitoring bank promotions and offers will come in handy. Since competition for entrepreneurs is growing today, many companies are beginning to make concessions and offer various discount options. For example, you can find promotions where, if you pay for a year in advance, you will receive a reduction in the price of servicing your current account.

Large bank

The positive aspects of this option can overcome the desire to “take it cheaper”:

• Reliability. U Such banks rarely have their licenses revoked.
• Branching. Having a huge number of branch offices can be beneficial. It's not you'll have to look for ATMs, yes And most likely one of branches will be very close your place of residence.
• Thoughtfulness. Typically large organizations spend more money on service development. Accordingly, you can expect that the services will be more thoughtful and more conveniently executed. For example, Internet banking.

Minus - cost of services.

How much does a current account for an individual entrepreneur cost in Sberbank?

Sberbank is the largest organization in the Russian Federation. Therefore, showing an example of pricing policy on it would be a good decision. You will understand how much reliability and convenience will cost you, and also whether it is worth saving and looking for a smaller organization.

• Opening a current account 2400 rubles.
• Opening a current account if you took out a loan from the same bank - 700 rubles.
• Monthly payments for maintaining an account are 2000 rubles. Or 700 rubles, if with payment orders you you only work with using online banking.
• Important! These are Moscow prices. If you are you planning to work in region, then you can count on tariff reduction in one and a half to two times.
• Connecting to the online service from SB - 960 rubles.
• USB EDS key - 990 rubles.
• Transfers to a personal account - 1% of the amounts.

How much does it cost to open a current account in different banks?

• VTB - 2500 rubles.
• Gazprom - 2500.
• Alfa-Bank - from 800 rubles.
• Promsvyazbank - from 500 rubles.
• Unicreditbank - from 1200 rubles.

But there are also free options - these are the Bank of Moscow, Raiffeisenbank and BinBank. However, take a closer look at domestic tariffs.

As you can see, the range of prices even for one part of the service (opening an account) is very large. Therefore, you need to delve into the conditions that a particular organization offers an entrepreneur very carefully. Where you pay nothing for one column of the tariff, you may overpay for another column of the tariff. Some banks are trying to create the most flexible system of interaction with businessmen. So, for example, in some banks they may not charge anything for maintaining a bank account if no transactions are made on the current account for a certain period, but if there are any, a fee also appears.

How much does it cost to connect online banking for individual entrepreneurs?

Basically, the service of connecting to the bank’s Internet service is included in the basic tariff. This will make it easier for the bank to interact with the entrepreneur and at the same time promote its functionality. But you will also have to pay for this. Prices again vary from bank to bank.

Moreover, the service also includes the issuance of an electronic signature (which, in principle, is very convenient, because it can be useful, for example, when working with a taxpayer’s personal account).

• Gazprombank - from 1500 rubles.
• Alfa Bank - from 990 rubles.
• VTB - from 500 rubles.

Organizations such as Avangard, Promsvyazbank, Raiffeisenbank, BinBank provide access to the online service for free; you will only need to pay for issuing an electronic digital signature.

It is important for individual entrepreneurs to understand in advance how they will withdraw funds from their current account. To facilitate this process, many banks offer to purchase your own additional card, which will be linked to your current account. However, this is not always convenient. Nowadays, the most popular method is when money is withdrawn to an ordinary card of an individual (it does not matter whether it is from the same bank or not). You will also be charged money for withdrawal. Today, this is standard 1 percent of the amount.

Bottom line

As you can understand, the price range for the services of opening, maintaining a current account and performing transactions on it is very large, depending on the bank. Therefore, we recommend that you spend enough time to find out more specifically about the details of bank tariffs. Well, we told you what to pay attention to first and what selection criteria to use.

A private entrepreneur has the opportunity to open a special account - a settlement account. However, he is not obliged to do this. Such actions can only be dictated by real commercial necessity. Opening an account for an individual entrepreneur is a mandatory procedure for entrepreneurs only with a large turnover of non-cash funds.

Current account for individual entrepreneurs

Opening an account for an individual entrepreneur is useful for business development. This is especially important when a businessman plans to sell/purchase goods. According to the law, an entrepreneur cannot pay or receive more than 100 thousand rubles for goods under one contract. Large businesses, where the flow of money is significant and non-cash payments take place at least once a month, cannot avoid the banking procedure. Opening an account will increase your chances of working with the largest contractors. Cash flow in excess of this amount must pass through the official account assigned to the individual entrepreneur.

How to open a current account for an individual entrepreneur

Immediately after opening, the bank account must be indicated to the tax office and registered. If not notified in time, this organization has the right to impose a certain amount of fine. Special documents received by the entrepreneur are transferred to the tax office. How to open a bank account for an individual entrepreneur by providing the correct documents, read below.

Documentation

Some documents for opening a current account for an individual entrepreneur have differences. Financial institutions have their own list, although the standards are the same and the main documents are similar in structure. Depending on which bank to open an account for an individual entrepreneur, the list may differ. A common list of documents to be submitted consists of:

• passports;
• certificate of state registration of individual entrepreneurs (that is, receipt of OGRNIP);
• individual identification number;
• tax registration certificates;
• specialized license (if any are provided);
• various statements, other documents specific to an individual banking institution.

Where to open an individual entrepreneur current account

Opening a bank account for an individual entrepreneur consists of a number of procedures. For example, tariffs. This service is by no means free. Any bank sets special tariffs for its own services and operations. This also includes the commission. To choose a reliable bank, you can look at reviews from the organization’s clients. A profitable current account for individual entrepreneurs is different:

• reliability of service;
• low commission;
• a large number of additional services.

Bank for individual entrepreneurs

The problem of where to open an account is always relevant for a novice entrepreneur. At the moment there are a lot of banking institutions. It can be difficult to choose just one bank for an individual entrepreneur’s current account. Monitoring Internet resources will help in order to obtain complete information and select the best candidate. You should familiarize yourself with the advantages and features of all banks, and then conduct an analysis, comparison, and only then open a bank account for an individual entrepreneur.

Tinkoff

The advantages for entrepreneurs who decide to open a current account for an individual entrepreneur with Tinkoff are:

• quick and easy opening, the ability to submit documents online;
• cost of service – from 490 rubles;
• management is carried out by a personal manager;
• notifications about actions via SMS;
• convenient online banking that allows you to track the turnover of funds and carry out other significant procedures;

Required documents:

• copy of the passport;
• special application for the institution;
• an identification number;
• document confirming being registered with the tax regulatory authority;
• special round seal (if available).

Tinkoff Bank will really quickly open an account and carry out all the procedures necessary for an entrepreneur. Moreover, the cost of processing one payment is not too high. The good thing is that the funds accounting system has been completely transferred to the Internet level. All movements on the account will be visible in your personal account. It is very convenient to track the time of payment and the exact amount.

Sberbank

To create a current account for an individual entrepreneur in Sberbank, you need to fulfill two mandatory conditions. This is online registration, obtaining a special number, and then submitting documents (this is given for as long as 30 days). Before starting cooperation with a bank, it is advisable to first familiarize yourself with the specifics of the services and find out reviews from regular customers.

Features of working with Sberbank:

• price for the service - about 2000 rubles;
• stable and comfortable online banking;
• relatively small commission for issuing and accepting cash;
• there are a large number of branches;
• there is a notification system;
• transfers are made 20/7.

Documents required for registration:

• passport;
• certificate of registration of individual entrepreneur (OGRNIP);
• state extract on receipt of individual entrepreneur status;
• licenses (if required by type of activity).

Alfa-Bank promises to open a current account for individual entrepreneurs in just 10 minutes. Tariffs are varied, so you can choose the most acceptable one. Cash withdrawal fees vary. Service prices range from 1090 to 9900 rubles/month. There is a promotion for payment. In case of a one-time payment for 9 months, a discount of 25% is immediately applied. According to the terms of the discount, the 3 remaining months of service are free of charge.

Features of service provision:

• Cash can always be withdrawn from any ATM;
• the maximum time for making a payment is until 20:30, and if the recipient is a client of Alfa-Bank, then until 23:30;
• high level of customer service;
• relatively modest level of subscription fee;
• availability of shares;
• There is an "All inclusive" rate;
• the commission for accepting cash is small and is not present in all tariff plans;
• convenient online banking;
• SMS, email notifications;
• free plastic card;
• good reviews from bank clients.

Submitted documents:

• passport;
• certificate of registration of individual entrepreneur (OGRNIP);
• identification number (TIN);
• licenses (if any are needed);
• document confirming registration with the tax regulatory authority;
• samples of personal signatures, special seals;
• a special application for opening an account.

VTB 24

A current account for individual entrepreneurs at VTB 24 can be opened by contacting any of the existing branches. For clients who cannot wait, the bank provides urgent (about 4 hours) opening, which is convenient for conducting transactions. The amount for the tariff ranges from 1200 to 12200 rubles. per month. There is an extensive network of branches and ATMs throughout the country.

Features of working with the bank:

• urgent registration;
• high-quality Internet banking;
• availability of a convenient salary project;
• availability of an “All inclusive” tariff;
• availability of SMS alerts;
• compulsory insurance of all deposits.

• passport;
• bank agreement for the account;
• application form (completed);
• certificate of registration of individual entrepreneur (OGRNIP);
• state extract on receipt of individual entrepreneur status;
• document confirming registration with the tax regulatory authority;
• samples of signatures of authorized persons and seals;
• licenses (if any);
• confirmation of permission to use funds by individuals (partners).

Rosselkhozbank

On the bank’s Internet resource you can immediately submit an online application. A current account for individual entrepreneurs at Rosselkhozbank can be maintained via Internet banking. There is a single tariff, where all services and their prices are described in detail. According to customer reviews, the Internet banking service is relevant and very convenient because all movements on the account can be viewed from home or office.

Bank features:

• low cost of services;
• availability of Internet banking;
• there is a salary project;
• It is possible to receive a bank card;

Documents submitted upon registration:

• a special application for opening an account;
• passport;
• document confirming registration with the tax regulatory authority;
• certificate of registration of individual entrepreneur (OGRNIP);
• state extract on receipt of individual entrepreneur status;
• document on allotment of a personal code from Rosstat;
• samples of signatures of authorized persons and seals;

Raiffeisenbank

A current account for individual entrepreneurs at Raiffeisenbank is easy to open. The cost of tariffs starts from 990 rubles. per month. Maximum – 7500 rub. On the site you can find:

1. with a contract;
2. working conditions;
3. terms of service;
4. the procedure for issuing and servicing debit cards, etc.

Bank features:

• user-friendly website interface;
• availability of Internet banking;
• good customer reviews;
• not too expensive services;
• employee home visits (in Moscow and the region);
• work experience (20 years history);
• many ATMs and offices in many cities of the country.

Documents submitted when opening an account:

• A completed application form;
• passport;
• special application for opening an account;
• bank agreement for the account;
• samples of signatures of authorized persons and seals;
• certificate of registration of individual entrepreneur (OGRNIP);
• document confirming registration with the tax regulatory authority;
• licenses (if any are needed).

For convenient online accounting of individual entrepreneurs, use.

Video

Hello, dear readers! I came up with the idea a long time ago to write a review article about where and in which bank to open a current account for individual entrepreneurs and LLCs and to collect in it all the interesting offers on banks providing such a service. Therefore, keep a list of the best, in my opinion, banks for opening a current account. I contacted bank representatives and received information from most.

Criteria for evaluation

I propose to evaluate the banks listed below according to the following criteria in order to determine where it is profitable, safe and convenient to open a current account:

1. Cost of opening a current account.
2. Maintenance cost (monthly).
3. Account opening deadlines.
4. Internet banking (availability and cost).
5. Mobile bank (availability and cost).
6. SMS notification (availability and cost);
7. Operation day.
8. Commission for non-cash payments legal. persons.
9. Possibility of transferring physical persons to regular bank cards/accounts (commission).
10. Cash withdrawal through ATMs (commission).
11. Cash.
12. Number of free plastic cards.
13. Synchronization with online accounting “My Business” and “Elba”, etc.
14. Interest on account balance.

If you have a suggestion to expand the list of criteria, write in the comments, we will try. I couldn’t fit all the banks into one table on the website, so let’s go through all the banks one by one.

List of banks

Important We did, i.e. have tariffs without a monthly subscription fee.

We will divide the list into classic “veteran” banks, and into more modern and technological ones.

We consider the following to be “veterans”:

1. Sberbank.
2. Alfa Bank.
3. Promsvyazbank.
4. Loko-Bank.

Towards more modern and technologically advanced banks:

1. Tinkoff.
2. Modulbank.
3. Tochka (based on Otkritie and Qiwi banks).
4. DeloBank (based on SKB Bank).

If the first group of banks is known to everyone, then the second group is still little known, but I will tell you with full responsibility that I would recommend looking in the direction of the second group. Below we will compare and in conclusion we will draw conclusions on where to open a current account for individual entrepreneurs and LLCs is profitable, safe, convenient, etc.

Open a current account at Tinkoff Bank

1. Cost of service (monthly) - the first 2 months are free, then at the "Simple" tariff - 490 rubles. per month, “Advanced” - 990 rub., “Professional” - 4990 rub. per month. If there were no account transactions in a month, then this month is free.
2. Account opening time - you can use it in 5 minutes.
3. Operating day - from 7:00 to 21:00 Moscow time.
4. Commission for non-cash payments legal. persons - according to the “Simple” tariff, 3 payments are free, the rest - 49 rubles. per payment, according to the “Advanced” tariff, 10 payments are free, the rest - 29 rubles. per payment, according to the “Professional” tariff - 19 rubles per payment. Unlimited payments on the “Simple” tariff – 490 rubles, on the “Advanced” tariff – 990 rubles, on the “Professional” tariff – 1990 rubles. per month.
5. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes, on Tinkoff Bank cards without commission.
6. Cash withdrawal through ATMs (commission):
   — According to the “Simple” tariff: up to 400,000 rubles. — 1.5%, up to 1,000,000 rub. - 5%, from 1,000,000 - 15%. With each withdrawal, an additional 99 rubles are withdrawn.
   — According to the “Advanced” tariff: up to 400,000 rubles. — 1%, up to 2,000,000 rub. - 5%, from 2,000,000 - 15%. With each withdrawal, an additional 79 rubles are withdrawn.
   — According to the “Professional” tariff: up to 800,000 rubles. — 1%, up to 2,000,000 rub. — 5%, from 2,000,000 rub. - 15%. With each withdrawal, an additional 59 rubles are withdrawn.
7. Cash:
   — At the “Simple” tariff: 0.15%, minimum 90 rubles.
   — According to the “Advanced” tariff: up to 300,000 rub. free, from 300,000 rub. — 0.1%, minimum 79 rub. , 3 refills per month - 990 rubles, per year - 9900 rubles.
   — According to the “Professional” tariff up to RUB 1,000,000. free, from 1,000,000 rub. — 0.1%, minimum 59 rub. 5 top-ups without commission - 1490 rub. per month, 14,900 rub. in a year.
8. The number of free plastic cards is 0 rubles, one corporate and salary cards or two corporate and salary cards, depending on the tariff.
9. The interest on the account balance is up to 6%.

You can open an account at bank website.

A small conclusion on the bank's proposal. Oleg Tinkov is at his best as always. It has always been famous for the best service. One of the longest operating days, money is transferred instantly, cool mobile application and Internet banking, up to 6% per annum on account balance, opening without visiting the bank, the first 2 months are free, telephone support 24/7, you can withdraw cash almost at any ATM and much more.

Soon there will be such features as reminders about upcoming taxes, submitting reports to government agencies, checking partners and counterparties, currency payments and friendly currency control, templates for regular payments, etc.

Open a current account in Modulbank

1. The cost of opening a current account is free.
2. Cost of service (monthly) - first tariff - 0 rubles, second tariff - 490 rubles, third tariff - 4500 rubles. per month.
3. Internet banking (availability and cost) - yes, free.
4. Mobile bank (availability and cost) - yes, free.
5. SMS notification (availability and cost) - yes, free.
6. Operating day: 9.00 – 20.30.
7. Commission for non-cash payments legal. persons - 90, 19 and 0 rub. (in order of tariffs listed).
8. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes. For individual entrepreneurs, depending on tariffs: 0.75% up to 300,00 rub., 19 rub. up to 500,000 rub., about rub. up to 1,000,000 rub. For LLC, depending on tariffs: 0.75% up to 100,000 rubles, 19 rubles. up to 200,000 rub., 0 rub. up to 300,000 rub.
9. Cash withdrawal through ATMs (commission): from 0 to 20% depending on the withdrawal amount.
10. Cash deposit: from 0 to 2.7%.
11. The number of free plastic cards is 1 to 5, depending on the tariffs.
12. Synchronization with online accounting “My Business” and “Elba”, etc. - There is.

bank website.

A small conclusion on the bank's proposal. The bank has a free tariff plan. Modulbank operates on the basis of the Regional Credit bank, which is more than 23 years old, with a convenient mobile application and Internet banking, cash withdrawal to any bank card with low commissions. And, as a representative of the bank said, all current accounts are insured for 1.4 million rubles, which makes us believe in its reliability. By the way, its founder is the former head of the business department at Sberbank, Yakov Novikov. I don’t see any downsides yet, just like Tinkoff Bank.

Open a current account at Tochka Bank

1. The cost of opening a current account is free.
2. Cost of service (monthly) - depending on the tariff, from about to 2500 rubles.
3. Account opening time - you can use it in 5 minutes, and complete registration - 1 day.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, free.
7. Operating day - from 00.00 to 21.00 Moscow time.
8. Commission for non-cash payments legal. for persons - on the free tariff - payments are free, on the other two 10 and 100 are free, in addition to the package - 60 and 15 rubles.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes.
   — Up to 200,000 or up to 500,000 rubles. free of charge depending on tariffs for individual entrepreneurs.
   — Up to 100,000 or up to 300,000 rubles. free of charge depending on tariffs for LLC.
   — With the free plan, translations are free for individual entrepreneurs and LLCs.
10. Cash withdrawal through ATMs (commission): free of charge on the free tariff, up to 50,000 rubles on the second tariff. - 1.5%, over - 3%, at the third tariff - up to 100,000 rubles. free, above - from 1.5 to 3% depending on the amount.
11. Cash deposit: on a free tariff - up to RUB 300,000. 1%, over - 3%, on the second tariff any amounts - 0.2%, on the third - up to 1,000,000 free, over 0.2%.
12. The number of free plastic cards is from 2 to 6 free depending on the tariff.
13. Interest on the account balance is not provided. There is a tax cashback of 2%.

bank website.

A small conclusion on the bank’s proposal: Convenient mobile application, and Internet banking, the longest operating day, transfers within Tochka around the clock, transfers to individuals. persons without commissions, created on the basis of Otkritie Bank, which has been on the market for a long time.

Current account in Expert Bank

1. The cost of opening a current account is free.
2. Cost of service (monthly) - depending on the tariff, from about to 3990 rubles.
3. Account opening time - you can use it in 5 minutes, and complete registration - 1 day.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, free.
7. Operating day - from 09.00 to 17.00 Moscow time.
8. Commission for non-cash payments legal. persons: 0, 18 and 78 rub. depending on the tariff.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - no information.
10. Cash withdrawal through ATMs (commission): free withdrawal is not provided for the free tariff. On paid ones - up to 100,000 and 700,000 rubles. for free. The maximum withdrawal amount is $15,000.
11. Cash deposit: 0.1%, free at the maximum rate.
12. The interest on the account balance is up to 5%.

You can open a current account at bank website.

A small conclusion on the bank's proposal. Expert Bank is the largest in the Omsk region and has branches in several cities of Russia. There is a free tariff, online account reservation, the bank does not limit the volume of payments, offers a modern Internet bank and increased limits on cash withdrawals from corporate cards. When making an advance payment for service, you can get a 10% discount.

Current account in Promsvyazbank

1. The cost of opening a current account is 0 rubles.
2. Maintenance cost (monthly) - from 0 to 2,290 rubles. depending on the tariff.
3. Account opening time is 1 day, reservation 10 minutes in advance on the official website when submitting an online application.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, from 0 to 199 rubles. depending on the tariff.
7. Operating day - from 9.00 to 21.00.
8. Commission for non-cash payments legal. persons - from 3 to 200 pcs. free, over the limit - from 19 to 110 rubles. depending on the tariff.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes, from 0.1 to 10% depending on the amount. An additional charge ranges from 18 to 350 rubles. depending on the tariff.
10. Cash withdrawal through ATMs (commission) - 1.2% on average;
11. Number of free plastic cards - all cards are paid. You can produce any quantity costing from 200 to 990 rubles. per month per card.
12. Synchronization with online accounting “My Business” and “Elba”, etc. - yes! And what’s more, when you open an account, you get 3 months of accounting as a gift.

You can read the terms and open an account at official website of Promsvyazbank.

A small conclusion on the bank's proposal. Promsvyazbank is a systemically important bank in the Russian Federation, which indicates its reliability. Moreover, in recent years the bank has become more modern and is constantly developing. Definitely, he deserves you to open a current account with him!

1. The cost of opening a current account is free.
2. Cost of service (monthly) - from 0 to 8,000 depending on the tariff.
3. Terms for opening an account - the account will be ready in 5 minutes, complete registration - 1 day.
4. Internet banking (availability and cost) - yes, included in the price.
5. Mobile bank (availability and cost) - yes, included in the price.
6. SMS notification (availability and cost) - yes, at the maximum tariff - free, at the rest - 60 rubles. for each card.
7. Operating day - from 09.00 to 18.00 Moscow time.
8. Commission for non-cash payments legal. persons: free - 3, 5, 10, 50 and 100 pcs. depending on the tariff. Over the limit - from 16 to 100 rubles.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes. For LLC - 0.5%. At the maximum tariff 300,000 rub. free, then 1.5%. For individual entrepreneurs - 150,000 rubles. free, then 1%. At the maximum tariff - 300,000 rubles. free, then 1.5%.
10. Cash withdrawal through ATMs (commission): at a free rate of 3%, at a maximum rate - 500,000 rubles. free, then 1.4%. At other tariffs - 1.4%.
11. Cash deposit: on a free tariff - from 0.15 to 0.36% depending on the tariff and amount. You can deposit from 50,000 to 500,000 rubles for free. With the free plan, you can deposit cash only with a commission.
12. The number of free plastic cards is up to 5. Free service only in the first year. From the second - 2,500 per year.
13. Synchronization with online accounting “My Business”, “Elba”, etc. is available.
14. The interest on the account balance is up to 3%.

You can open a current account at bank website.

A small conclusion on the bank's proposal. Not long ago, Sberbank developed a new line of tariffs, and now entrepreneurs have access to a free package of services. The bank holds promotions for new clients, so you can get 1 or 3 months of service as a gift. Each tariff provides free payments, and if you open a savings account, interest will be accrued on the account balance.

Open a current account with Alfa Bank

1. 0 rub. opening an account and connecting to Internet banking.
2. 0 rub. Internet banking and mobile banking for account management.
3. 0 rub. issuing a business card for depositing and withdrawing cash at any ATM.
4. 0 rub. tax and budget payments.
5. Maintenance cost (monthly) - from 490 rubles. up to 9,900 per month.
6. Commission for non-cash payments legal. individuals - from 3 payments to 30 payments free of charge. At the maximum tariff, all payments are 0 rubles. Over the limit - from 16 to 50 rubles. depending on the tariff.
7. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes. From 100,000 to 500,000 rub. free depending on the tariff. Over the limit - from 1 to 10% depending on the tariff.
8. Cash withdrawal through ATMs (commission) - from 50 to 500,000 rubles. free depending on the tariff, over the limit - from 1 to 10%.
9. There is synchronization with online accounting “My Business” and “Elba”, etc.
10. There is no interest on the account balance, but you can get cashback on taxes of up to 3%.

Additional bonuses:

• 3,000 rub. for advertising on Google.
• 9,000 rub. for advertising in Yandex.
• up to 50,000 rub. for promotion on social networks.
• Access to all working tools “Bitrix24”, “My Business”, “Contour” for six months free of charge.
• Certificate for recruitment in HeadHunter.

You can open a current account at bank website.

A small conclusion on the bank's proposal. Just like in Sberbank, you can choose for reliability. But the tariffs are less favorable than in Sberbank: there is no free tariff, a small number of free payments and high commissions for physical transfers. persons. Among the advantages of the bank: cashback on taxes, gift certificates for partner services and convenient online banking.

Current account in LOCKO-Bank

1. The cost of opening a current account is free.
2. Maintenance cost (monthly) - 0, 990, 4,990 rubles. depending on the tariff.
3. Terms for opening an account - reservation within a minute, full registration - within 24 hours.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, from 150 to 250 rubles. per month, at the maximum tariff - free.
7. Operating day - from 9.00 to 19.00.
8. Commission for non-cash payments legal. persons - 19, 29 and 59 rubles. depending on the tariff.
9. Possibility of transferring physical persons to ordinary bank cards/accounts (commission) - yes, for individual entrepreneurs up to 150,000 rubles. to your account for free, in other cases for individual entrepreneurs and LLCs with a commission from 2 to 10% depending on the amount.
10. Cash deposit - from 0.07 to 0.3% depending on the amount and tariff. At the maximum tariff there is a free deposit.
11. There is synchronization with online accounting “My Business” and “Elba”, etc.
12. There is no interest on the account balance.

You can submit an application and open an account at official website of Loko-Bank.

A small conclusion on the bank's proposal. Loko-Bank offers a free tariff, functional mobile and Internet banking. There is fast online account reservation. But in terms of the cost of SMS information and payments, the bank loses to its competitors.

Current account at Eastern Bank

1. The cost of opening a current account is free.
2. Maintenance cost (monthly) - from 490 to 9,990 rubles. depending on the tariff.
3. Account opening time: reservation within 5 minutes, full registration within 24 hours.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, free. Extended version - 250 rub. for the first issue, 100 rubles. - for the next 2.
7. Operating day - from 9.00 to 23.00.
8. Commission for non-cash payments legal. individuals - 5 and 20 payments free of charge, above the norm - from 16 rubles. There are plans with free payments.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes, up to 150,000 rubles. free, up to 500,000 rub. — 0.5%, over 500,000 rub. - 1%.
10. Cash withdrawal through ATMs (commission) - no information.
11. Depositing cash is free.
12. Number of free plastic cards - no information.
13. There is synchronization with online accounting “My Business” and “Elba”, etc.
14. There is no interest on the account balance.

You can find out detailed tariffs and open an account at official website of Vostochny Bank.

A small conclusion on the bank's proposal. Vostochny Bank offers free account reservation, full-fledged Internet banking and extended operating hours. You can transfer money to a personal card without commission, and the cost of payment is one of the lowest among banks.

Current account in DeloBank

DeloBank is a service from the well-known SKB Bank, which has been successfully operating in the banking services market for a long time.

1. The cost of opening a current account is free.
2. Cost of service (monthly) - depending on the tariff, from about to 7590 rubles.
3. Account opening time - you can use it in 10 minutes, and complete registration - 1 day.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, free.
7. Operating day - from 09.00 to 21.00 Moscow time.
8. Commission for non-cash payments legal. persons: on the free tariff, all payments are 87 rubles, on the rest there are 10, 100 and an unlimited number of free payments depending on the tariff, payments over the limit - 25 rubles.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - up to RUR 50,999.99. free, then with a commission, above - from 1 to 10% depending on the amount.
10. Cash withdrawal through ATMs (commission): 2% at SKB Bank and partner ATMs, 3% at other ATMs.
11. Cash deposit: up to 50,000, 200,000 rub. free depending on the tariff, at the maximum tariff unlimited amounts are free, over the limit - from 0.1 to 0.3% depending on the tariff.
12. The number of free plastic cards is 1.
13. Synchronization with online accounting “My Business”, “Elba”, etc. is available.
14. The interest on the account balance is up to 5%.

You can open a current account at bank website.

A small conclusion on the bank's proposal. DeloBank is a new online branch of SKB Bank with a convenient personal account. There is a free tariff, interest on the balance, you can deposit cash and transfer money to individual accounts for free. persons Depending on the connected tariff, you can get 1 or 2 months of service as a gift. And if you pay in advance, DeloBank will provide a discount from 5 to 20%.

Conclusion

If you are just starting out or have a micro-business with a small turnover, then the following are ideal for you:

• Modulbank(free plan).
• Dot(cool service).
• Tinkoff Bank(free 2 months and cheap tariff 490 RUR).
• (there is a free plan).
• (there is a free plan).

If you really like to choose, you can open accounts in both and compare for yourself which is better. It's free anyway ;)

If your turnover is higher (from 1 million rubles per month), then you can use the first 4 (Tinkoff, Modulbank, Expert Bank and Tochka), and you can also consider:

• Promsvyazbank.
• Alfa Bank.
• Sberbank.
• Oriental.

Conclusion

In conclusion, I want to say that the choice is yours. Personally, I believe that the future belongs to technology companies. If you have your own evaluation criteria, write in the comments, you can also suggest other banks for review, but only if they are really better in terms of conditions than those listed in the article. I would also like to ask you to write reviews about the banks where you have current accounts, what you like, what you don’t like, etc.

I hope that the article helped you in choosing a bank to open a current account for an individual entrepreneur or LLC.