Starting a business, everyone individual entrepreneur asks about opening a checking account. Is it necessary, for what purposes, where is it more profitable to open an account for an individual entrepreneur, what Banking services in priority, and which ones can be dispensed with, etc. The answers to these questions will be given in this article.
The need for a checking account
For an individual entrepreneur with small turnovers, opening a current account is optional. It is only needed for non-cash payments with suppliers and buyers, and even then only in cases where the transaction amount under one contract exceeds 100,000 rubles. Contracts below this amount may be settled in cash.
Bank selection criteria
Each individual entrepreneur decides for himself which criteria are important to him. Based on these data, you should choose one or another financial institution:
- the cost of opening a current account;
- terms of account opening;
- payment for servicing a current account and non-cash transfers;
- interest for withdrawing and transferring money to accounts of individuals;
- availability of mobile and Internet banking, as well as SMS informing;
- geographical accessibility of the institution's branches and self-service terminals (ATMs);
- duration business day;
- interaction with online accounting programs;
- the possibility of lending;
- accrual of interest on the balance of the current account;
- issue of free corporate cards;
- the possibility of opening multicurrency accounts;
- bank reliability.
It is impossible to advise any universal credit institution suitable for all specified criteria. It may happen that a large federal bank with many branches throughout the country, an individual entrepreneur with a small turnover will simply refuse to register - such organizations are not too interested in the influx of new customers.
Yes, and each entrepreneur has his own criteria - for some, the main factor in choosing a financial organization will be the availability of convenient Internet banking, and for some, the cost of processing one payment order will be more important.
List of banks for individual entrepreneurs
Tech banks
Banks that operate exclusively in the Internet space can be attributed to this type of credit organizations. Entrepreneurs are most trusted by:
- Modulbank (project of the Bank "Regional Credit").
- Tinkoff;
- Tochka (project of Otkritie Bank);
| Modulbank | Tinkoff | Dot | |
| Account opening | For free | ||
| Maintenance (per month) | Depends on the package - 0, 490 rubles, 3,000 rubles. | First 2 months free. Further, according to the terms of the package, 490 or 990 rubles. | Depends on the tariff and the region - from 500 to 7,500 rubles. |
| Time to open an account | 2-5 minutes | 2-5 minutes. The end of registration is 24 hours. | |
| Internet banking | Without payment | ||
| Mobile bank | |||
| SMS informing | |||
| Payments to legal entities | Under the terms of the package - 90, 15, 0 rubles. | Depends on the rate. Unlimited - 990 rubles. | Under the terms of the package: 5, 100, 500 operations, in addition to 50, 40, 30 rubles / piece. |
| Transfer to individuals | Under the terms of the package, up to 250 thousand 90, 15, 0 rubles. More than 250 thousand commission 10% of the excess amount. | Eat. On the cards of your bank - no commission. | Up to 500,000 rubles for free. |
| Cash withdrawal | Depends on the withdrawal amount from 0% to 1.5%. | Under the terms of the package 0% to 1.5% | Depends on the tariff up to 10,000, 50,000, 100,000 rubles. no commission. |
| Cash | Eat. Bank rates. | According to the terms of the tariff. Unlimited - 1 990 rubles. per month. | ATMs of Otkritie Bank - no commission. |
| Interaction with online accounting | Eat | ||
| Interest on account balance | No | Up to 8% per annum | |
| Availability of bonus plastic cards | Depends on the package from 1 to 5. | Under the terms of the package - 1 or 2 corporate + payroll cards for free. | |
Classic Banks
| Sberbank | Alfa Bank | VTB 24 | Vanguard | Ural Bank for Reconstruction and Development | |
| Account opening | For free | 2500 r. | 1 000 rubles - online application, 3,000 rubles. - filing at the branch | For free | |
| Maintenance per month | From 1 5000 rubles. (depending on the region) | From 850 rubles in (depending on the region) | 1 100 rubles (under the terms of the selected service package from 1,000 to 10,000 rubles) | 900 r. | From 300 r. (depending on the region) |
| Opening an account by time | From 1 day | 3 days | 1 day | ||
| Internet bank | Included in the price | 990 r. connection | 500 r. one time | For free | |
| Mobile bank | No | 59 rubles / month for transferring payments | For free | No | To view transactions |
| SMS informing | For free | 0-500 rubles/month | 39 rubles/month | ||
| Transfers to legal entities | From 100 rubles/payment | Up to 5 payments - 25 rubles, over 5 - 250 rubles / payment | 30 rubles/payment | 25 rubles / payment | From 25 rubles/payment |
| Transfer to individuals | From 1% of the amount | Up to 300,000 rubles / month Fee 25-30 rubles. for translation | |||
| Cash withdrawal | From 1% of the amount | According to the package | From 1.2% | 1,2 % | 1% through bank terminals, 3% - other ATMs |
| Cash | According to the terms of the tariff. Above the agreed amount - 0.07% | 0.3% of the amount | Unlimited in own terminals | ||
As can be seen from the summary tables, each financial institution has its pros and cons. What is more important for a particular individual entrepreneur when opening
Individual entrepreneurs are not required to open, but in the current conditions work without banking support difficult. By opening an RKO account in a bank for an individual entrepreneur, you will increase the list of counterparties, you will be able to remotely make any payment transactions. You will have the opportunity to connect acquiring, you will be able to conclude loan agreements on personal terms. All this will increase profits.
Choosing a bank to open a current account
For a businessman, the main thing is to do. It should offer not only high-quality, but also profitable RSC services. On Russian market there are dozens, if not hundreds of banks that offer individual entrepreneurs their cash services. But among them there are only a few really profitable offers. It is these banks that entrepreneurs most often turn to to open a current account.
What to consider when choosing a bank to maintain an IP account:
- Tariff line. The bank must offer several ready-made service packages, at least 3 service programs. As business needs change, it will be possible to switch from one tariff to another.
- Availability of a starting tariff with a service price of 0 rubles. If you need a bank account for a new individual entrepreneur who is just starting up, it will be beneficial for him to start connecting to the simplest tariff, where there is no monthly fee.
- Cost of services. Service must be carried out on favorable terms for you. And it's not just about monthly fees. You should be interested in the price of servicing a business card, the cost of depositing revenue into an account, cashing out an account. If you plan to connect acquiring, even if not immediately, be sure to look at its billing and the cost of equipment.
- Services for maintenance. Almost every bank gives access to Internet banking, but the functionality of the service may be different. It’s good if the service organization has developed a separate system specifically for business, through which you can keep accounts, order and export statements, certificates, create orders, etc.
- Range of additional services. If the bank provides business with all possible services, then this is a big plus. You may always need loan products, deposit programs, services currency control. Many financial companies offer clients bookkeeping, legal support, counterparty verification services, etc.
When choosing a bank for an IP account, consider not only classic stationary banks, but also those that work online. There are several business banks operating remotely on the Russian market. All Financial services clients are provided remotely, even a manager comes to the entrepreneur’s office to conclude contracts. Such banks also offer high-quality and convenient services, and due to remote work, their rates often turn out to be even more favorable.
Where can I open the most profitable for IP? We invite you to familiarize yourself with financial institutions for keeping an account of individual entrepreneurs who offer convenient service and at the same time develop optimal tariffs for the price. It is these banks that entrepreneurs most often choose to connect cash settlement services.
1. Sberbank
To, you do not need to conduct large-scale activities. This bank cooperates with both large corporations and small business structures. Sberbank is loyal to the new business, its tariff line includes a start-up program for new IP with an account maintenance fee of 0 rubles.
Sberbank has developed five service packages for clients with a focus on different business needs:
- Easy start, 0 rubles. This is the program for beginner businessmen. The package includes three free monthly payments, a business card with a free first year of use.
- good season, 590 rubles. But if in current month there are no movements on the account, no fee is taken. The package includes 5 free payments.
- good earnings, 1090 rubles. Classic tariff for ordinary business. Assumes more profitable terms depositing the proceeds into the account. The package includes 10 free payments.
- Active calculations, costs 2390 rubles. The package was created for customers who frequently make settlements and make payments through an online bank. It includes 50 payments. If the client does not use them in a month, they are transferred to the next month.
- Great Opportunities with a price of 10990 rubles. Program for large-scale activities. 100 payments to any banks are included, all internal payments are free of charge, transfers to individuals without commission - up to 500,000 rubles per month, free deposit and withdrawal, issuance of a premium business card.
Comparative table of Sberbank offers:
2. Opening
In this bank, an individual entrepreneur can also use settlement and cash services without charging a fee, if he connects to the starting tariff. , like Sberbank, has developed a wide range of tariffs for business. It also offers interesting conditions:
- First step, 0 rubles. This is the tariff plan, which is focused on a new or just a small business. The package includes 3 free payments.
- Fast growth, 490 rubles. If the capabilities of the starter package do not suit you, then you can consider this maintenance option. It is intended for already more financially active entrepreneurs. 7 free payments included.
- Own business, costs 1290 rubles. A special program for clients who make many payments and work with different counterparties. 15 payments for free, then - at a reduced price.
- The whole world, 1990 rubles. A separate program for entrepreneurs who work with foreign partners. As part of the tariff, currency control services and an individual conversion rate are provided.
- Open Opportunities, its price is 7990 rubles. Program for the needs of big business. Payments are free, transfers to individuals up to 500,000 rubles per month without commission.
Important! According to the last three tariffs of Otkritie Bank, if you pay for a quarter of service at once, the client receives a 33% discount.
Comparative table of Otkritie bank offers
3. Point
It is one of the banks for business that operate remotely. Numerous communication channels and convenient tools have been developed to work with clients. Since it is possible remotely, after submitting an online application, you do not go anywhere. The bank manager will come to your office. When connecting other bank services, a representative of the Point will also come to conclude an agreement.
To maintain an IP account, three billing plans with favorable conditions have been developed:
- Required minimum for 0 rubles. Here, too, there is a starting tariff with little features. At the same time, payments, transfers to individuals and cash withdrawals are always free. If the question of how to open an RKO account in a bank for an individual entrepreneur is asked by a novice entrepreneur, this option will be extremely beneficial for him. In fact, the payment is taken only for the receipt of funds.
- Golden mean, costs 500 rubles. The name speaks for itself, this is a classic average fare. It includes 10 free payments.
- All the best at once. It costs 2500 rubles per month, the first three months after connecting the IP pays 500 rubles each. Includes 100 free payments, transfer to individuals up to 500,000 rubles without charging a commission, free withdrawal and replenishment.
Comparison table of offers
4. Alfa Bank
Bank is popular among all forms of business. It attracts with a large range of tariffs and a modern approach to servicing all customers. can be opened via the Internet, having received the details in 5 minutes. Alfa has high reliability ratings and is a systemically important bank in Russia.
Suggested rates:
- Just 1%, 0 rubles. The simplest initial tariff for individual entrepreneurs. Service without a fee, all operations without commission. The client pays only 1% for money transfer operations.
- Best start, 490 rubles. Another tariff for a small business, but with more features. The package includes 3 payments.
- Good choice, 1690 rubles. Tariff for those who make many payments. 10 payments included, then the cost is 25 rubles per payment.
- All you need, costing 9900 rubles. Free payments and transfers, opening foreign currency accounts, replenishment of the account, plus accrual of interest on the balance.
Also, Alfa Bank has developed separate tariff plans for companies that conduct international activities and wholesale. Packages cost 3200 rubles each and meet all the needs of this type of activity.
Comparative table of Alfa-Bank offers
5. Tinkoff
To open an account for an individual entrepreneur in Tinkoff Bank, you don’t even need to leave your office or home. This is another bank that has built its work remotely. Moreover, he submits the details of the current account immediately on the day of submitting the online application.
Tinkoff business service packages:
- Simple, 490 rubles. There is no free starter package here, but even at this minimum Tinkoff tariff accrues up to 4% per annum on client funds. 3 payments included.
- Advanced, 1990 rubles. Reduced fee for making payments, up to 6% are accrued on the balance of funds.
- Professional, 4990 rubles. Low cost of payments - each for 19 rubles, reduced commission for replenishment, accrual of up to 6% per annum on the balance.
Important! If the client pays immediately for 12 months of service, Tinkoff provides 2 months of RKO services for free.
Comparison table of offers bank Tinkoff
6. ModulBank
And another bank that organized remote customer service. How ? First you need to submit an online application on his website. Details are provided immediately, later a manager will come to you to sign the contract. According to Markswebb and FinWin, this organization is recognized as the best organization for serving entrepreneurs.
- Starting, 0 rubles. All payments are charged identically - 90 rubles each.
- Optimal, 690 rubles. If the IP pays immediately for a year, then 390 rubles. Fixed fee for payment transactions - 19 rubles, 3% per annum on the balance of client funds, replenishment without a fee.
- Unlimited, cost - 4900 rubles. When paying immediately for 12 months - 3920 rubles per month. Payments are made free of charge, there is no fee for replenishment, ModulBank charges 7% on the balance of client money.
Comparative table of tariffs of ModulBank:
All these banking organizations accept applications for connection to cash registers via the Internet. Study the rates, choose the best bank for your business, find out what you need to conclude an agreement, and apply.
How to open a current account for an individual entrepreneur
If the details are required here and now, for example, it is necessary for an urgent conclusion of a contract, then choose a bank with a reservation service for details. You will receive them immediately after sending an online application and can enter the data into the contract. The account will be available only for replenishment, the client will be able to carry out all other operations after the conclusion of the contract.
By default, the process of connecting to the RKO looks like this:
- The client chooses a bank and submits an application to it. It is more convenient to do this online. If the bank has a network of offices, the application can be left there, immediately bringing everything with you Required documents.
- After submitting a remote application, a manager will call you back, who will help you navigate the tariffs and tell you what you need to open an IP bank account. Usually only a passport and registration certificate are required.
- The parties make an appointment to hand over the documentation. It can be carried out at the bank office or the manager himself goes to the applicant.
- After the transfer of documents and signing of the agreement, the client receives full access to the account and Internet banking.
As a standard, the procedure for connecting to the cash register takes 2-3 days, some banks promise to give full access to the account within 1 business day. After the conclusion of the contract, you do not need to go to the Federal Tax Service; the obligation to transfer information about the open account lies with the bank itself.
The reasons why the Federal Tax Service can block the account, and what to do in this case, read the article Why the tax office can block the account
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TOP-5 banks
To open a checking account |
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|---|---|
| Alfa Bank | |
Where and in which bank is it better to open a current account for an individual entrepreneur / LLC? There is no quick answer to this question. It all depends on the turnover of the IP / LLC, location and goals. If you are a small sole proprietor, then of course, it is better for you to choose a cheap small bank with a small service fee. If you need reliability and availability, then you should open in big jar but the commissions are higher.
Checking account IP / LLC - a special account for doing business, controlled (with the possibility of blocking) by the Federal Tax Service, PFR and FSS (all data is transferred to these authorities by the bank, including movements). Starts at 40702 for commercial organizations or 40802 for individual entrepreneurs.
All cash payments, transfers, payment of taxes and insurance fees are made using payment orders. .
The undoubted advantage of skipping payments through the account is the absence of the need to buy a cash register / online cash register.
Settlement accounts of individual entrepreneurs (not organizations) can also be insured by a deposit insurance agency, like any accounts of an individual (see if the bank is a member of a deposit insurance agency).
As you can see, on commissions and services in small banks, you can save a lot of money for individual entrepreneurs and small LLCs. It makes no sense to give a large list of such banks. There are many of them and you need to look for which one is closer and more convenient.
Withdrawal of money
In these small banks there is no (!) Commission for transferring money, and in large ones it is less than for issuing cash. Therefore, to display, you can open the usual free map individuals in Sberbank or Corn from Euroset (two or three cards can be used at once) and transfer there from a current account. Shooting from there is free and it's even more convenient.
Many banks also offer to open a card to a current account. This can be convenient, especially for an individual entrepreneur who does not have cash discipline and can withdraw all the money at his own discretion. However, usually the method outlined above is more advantageous.
Quantity
You can open two, three or more currency and ruble accounts for one organization or one individual entrepreneur.
Geography
A current account can be opened in any city, as well as to conclude agreements and transfer money throughout Russia. However, some clients (partners) look at non-resident accounts with suspicion.
With the help, you can keep tax records on the simplified tax system and UTII, generate payments, 4-FSS, Unified calculation, submit any reports via the Internet, etc. (from 325 r / month). 30 days free. For newly created IPs now (free of charge).
A settlement account is such an account that initially involves the conduct of operations by entrepreneurs. From Private bank account it differs in purpose of use.
A current account is convenient when interacting not only with the client audience, but also with partners and contractors.
Through the RS, you can pay rent, wages to subordinates, and even public utilities. Only representatives of commercial entities (IP, LLC, etc.) have the right to use a current account, and all individuals can open a simple bank account or a deposit.
Initially, the bank implies that an individual will not receive financial resources as a result of their labor activity and, moreover, from the activities of individual entrepreneurs.
One of the main differences between the RS for IP and the usual personal account is his view tax authority V without fail. Based on the turnover, tax will be calculated and charged.
Bank selection
Best bank, where it is more profitable to open an account for an individual entrepreneur in 2019, should first of all be reliable. Not superfluous characteristic will be the convenience of its service and inexpensive maintenance.
Given that the business of entrepreneurs is mainly retail outlets, most of the buyers will pay in cash. But with suppliers, all settlement operations will take place in non-cash form.
Therefore, another criterion for choosing a bank for opening a cash register in it can be considered favorable interest commission fee for cash deposits.
Most entrepreneurs consider the possibility of free transfers for personal expenses important. A good option in order not to pay a commission fee for withdrawing funds is to issue a card to an individual entrepreneur as an individual.
If such a card is registered with the same banking organization, no commission will be charged for withdrawing funds from the current account. It is important that the owner is the individual entrepreneur himself, and not, for example, the second spouse.
When choosing a bank, you should pay attention to 6 main aspects:
- the period of existence of a banking organization and its size - more than big bank always better than smaller;
- price for opening a current account;
- subscription fee for service maintenance;
- the cost of operations for payment orders;
- the amount that is allowed to be withdrawn monthly without commissions, as well as the value of the percentage in case the limit threshold for withdrawing funds is exceeded;
- the amount of interest accrued on account balances, if any.
In addition, it is always necessary to take into account possible personal wishes regarding the bank.
Current bank rates - comparison
The choice of the most suitable tariff in banks is the responsibility of the employees of a truly reputable bank.
Managers should not impose options that are not always necessary or those that the client will use extremely rarely, since this characterizes the banking structure negatively in advance.
A large number of banks have already understood for themselves this rule, so they offer flexible approaches and a wide range of options. By the way, they include free services for entrepreneurs.
| Bank | |||||
| Opening cost | 0 rub. | 0 rub. | 3 thousand rubles | 0 rub. | 0 rub. |
| Monthly cost service | 500 rub. | 490 rub. | 1 thousand 700 rubles | 490 rub. | |
| Cost of payments counterparties | The first 10 payments - 0 rubles, the subsequent order - 10 rubles. | The first 10 payments - 0 rubles, each subsequent order - 29 rubles. | From 11 rub. to Sberbank accounts; up to 32 rubles for each to another bank | The first 3 payments - 0 rubles, each subsequent order - 50 rubles. | The first 5 payments - 0 rubles, each subsequent order - 49 rubles. |
| Top-up fee | 0.2% of the total amount, minimum - 100 rubles. | 0.25% of the total amount, minimum - 290 rubles. | 0.3% of the total amount, minimum - 220 rubles. | 0.25% of the total amount, minimum - 250 rubles. | Up to 30 thousand rubles. - free of charge, over - at a rate. |
| Cash withdrawal fee | Up to 50 thousand rubles. - 1.5%, minimum - 100 rubles. | Up to 400 thousand rubles. - 1.5%, more - from 5 to 15% + 100 rubles. | 1.4% of the total amount, minimum - 5 dollars. | Up to 100 thousand rubles. - 1.5%, minimum - 300 rubles. More - from 2 to 11% | Up to 300 thousand rubles. – 1.5% +100 rub. More - 5-15% + 100 rubles. |
Tinkoff Bank
As a result of creditworthiness assessment, ACRA assigned the bank a level A, this level has been repeatedly confirmed by a banking institution. Duration of the operating day: 01:00-20:00 Moscow time.
The cost of an external payment is 19-49 rubles. The final price depends on which service package was connected. "Simple" and "Advanced" tariffs include 3 and 10 free payments.
For cash withdrawals from card Tinkoff the holder will pay at least 1% of the total amount and another 59 rubles. However, it is worth it, because an individual entrepreneur will be able to transfer funds without a commission fee to personal card Tinkoff Bank. Transfer from 400 thousand to 1 million rubles is allowed. In addition, the balance of the account will earn 6% per annum.
By opening a current account in Tinkoff, an entrepreneur receives free maintenance bookkeeping and the possibility of using a large number of additional services (such as a free Salary project, bank guarantee or acquiring).
After 3 months of service in Tinkoff, the possibility of connecting an overdraft is torn off.
Mobile and Internet banking have received high performance scores more than once. With any question, you can always contact your personal manager in the chat.
Alfa Bank
Rightfully one of the largest credit institutions Russia. Its high reliability is confirmed by the ACRA agency with the AA mark.
All external payments in the bank are carried out between 01:00-23:30 Moscow time. The price of one payment is 16-50 rubles. taking into account tariffication in the connected package. Most packages include between 3 and 30 free external transfers.
Withdrawing funds to cash from an Alfa-Bank card is accompanied by a 1.5 percent commission. In the tariff Wholesaler and Everything you need, there is the possibility of a free withdrawal of 150 and 500 thousand rubles. monthly.
Regardless of which service package is eventually connected, entrepreneurs will be able to transfer up to 100 thousand rubles to their personal account. no commission fees.
You can deposit funds to the RS and withdraw them through an Alfa-Bank ATM (throughout Russia). Convenient service and management of your account will provide Personal Area online or mobile app. Concluding contractual relationship with a bank on cash settlement, the entrepreneur will receive gifts and discounts from partners of Alfa-Bank.
Sberbank
The oldest and largest banking organization in Russia. It is known that today a controlling stake in the bank belongs to the state. The conditions are as follows:
- Duration of the operating day: 07:00-23:00 Moscow time.
- The price of one payment is 16-100 rubles, each tariff includes 3-100 free transfers.
- A full-fledged business card service at Sberbank can be obtained for 2,500 rubles. for the second year.
- Withdrawing funds through an ATM using a business card costs at least 1.4% of the total amount.
- Regardless of the chosen tariff plan, the entrepreneur has the right to a free transfer of up to 150 thousand rubles per month. to the account of a personal card opened in Sberbank.
The organization not only opens a business account, but also offers a number of additional services such as online cash registers, accounting, guarantees.
An entrepreneur can manage his account through Sberbank Business Online, which can be integrated with any of accounting programs. By concluding an agreement with Sberbank, the client receives as a gift prizes from the bank's partners in the total amount of 100 thousand rubles.
Eastern Bank
Any of the entrepreneurs who decide to open an account in this banking institution, has the right to use a wide range of services and benefits:
- registration of a ruble account is free of charge;
- if you make an advance payment for account maintenance for a year, 3 months. the account holder receives as a gift;
- getting discounts on Additional services(SMS alerts, counterparty verification, etc.).
Besides, Eastern Bank practices the method of an individual approach to the formation of the most comfortable tariff for each client.
commercial organization registered in the Amur Region, and despite this, it works with a client audience throughout Russia. Eastern Bank is one of the main banking organizations on Far East.
The initial cost of an external payment is 28 rubles, but in the Your Online tariff the price is lower - 16 rubles. The bank included free payments in most of the packages: there are 5 of them in the Your Start tariff, 20 in Your Success, and an unlimited number of them in Your Unlimited.
You can withdraw cash with a minimum commission equal to 1.2% of the amount. The bank will not charge interest on withdrawals up to 30 thousand rubles per month. in the tariff plan "Your Success", in "Your Unlimited" - up to 500 thousand rubles.
Internet banking will be free; opening an account in Vostochny, the client can count on an overdraft from the first day of the account.
Bank opening"
External payments in this bank are carried out from 00:00 to 20:00 Moscow time. Each of them will cost an IP 49-79 rubles. depending on the connected tariff plan.
The Promo package provides 3 free payments, and the Comfort package - as many as 10. In the tariff plan, Business transfers will not have to be paid.
On account of any individual up to 150 thousand rubles can be transferred per month. (the condition is valid within each tariff plan). Cash withdrawal is subject to a commission of 2-3.5% (it all depends on the tariff chosen by the client).
The client can submit an application through the official portal of the bank. To do this, he must go from the start page of the site to the "Open an account" tab.
There will be a transition to filling out the bank form and indicating the phone number for communication.
After some time from potential client one of the employees of the Opening will contact and advise on further action. It should be said right away that it is better to prepare documents such as TIN and passport.
At the end of the conversation, the client must send all the necessary documents to the bank and wait for a decision.
Sovcombank
This bank has a wide network of offices and good reliability indicators. The ACRA agency assigned him an A mark in the rating.
You can make any external payment for 30 rubles, withdraw it into cash for payment wages always possible with a commission of 0.3% of the amount. But you can get cash for business and other purposes for a 1% commission.
Registration of RS in Sovcombank does not involve payment, and the opening itself takes place very quickly. This is evidenced by the fact that on the day the application is submitted, the client is informed of the details of the account being registered.
Even then they can be safely transferred to partners. Many procedures with current account carried out online, Internet banking allows you to view all account transactions (including if there is more than one), statements, reporting and analytics in the format of graphs and diagrams.
Raiffeisenbank
The capital of this bank includes foreign investments. During the existence of Raiffeisenbank, it gives reason to note a loyal attitude towards customers and profitable offer.
At banking structure there are several packages for IP, for example, Start:
- you can open an account for free;
- every month you need to pay 990 rubles. for service;
- as part of a special offer, the client will receive from 6 months. free service and card for RS;
- Withdrawal of funds is subject to a commission of 1%.
Raiffeisenbank offers Internet banking for the convenience of doing business. It assumes support by any browser, fast implementation necessary operations and complete account security.
Documents for registering an IP account:
- application in the form of a bank;
- a copy of the passport of a citizen of the Russian Federation;
- extract from USRIP;
- KOP;
- notarized passports of all employees who will have access to the account;
- activity license and certificates.
| RKO in Tochka Bank. | Open an account |
More about current account
- Opening an account - free of charge in 10 minutes;
- Service - from 0 rubles / month;
- Free payments - up to 20 pieces / month.
- Up to 7% on account balance;
- Overdraft possible;
- Internet banking - free of charge;
- Mobile banking is free.
| RKO in Raiffeisenbank. | Open an account |
More about current account
- Opening an account - free of charge in 5 minutes;
- Service - from 490 rubles / month;
- Minimum commissions.
- Decor salary cards- for free;
- Overdraft possible;
- Internet banking - free of charge;
- Mobile banking is free.
| RKO in Tinkoff Bank. | Open an account |
More about current account
- Free account opening in 10 minutes;
- First 2 months free service;
- After 2 months from 490 rubles / month;
- Up to 8% on the account balance;
- Free accounting for individual entrepreneurs on Simplified;
- Free internet banking;
- Free mobile bank.
| RKO in Sberbank. | Open an account |
More about current account
- Opening r / s - 0 r.;
- Service - from 0 rub./month;
- Free "Sberbank Business Online";
- Lots of additional services.
More about current account
- 0 rub. opening an account;
- 0 rub. Internet banking and mobile banking for account management;
- 0 rub. issuance of a business card for depositing and withdrawing cash at any ATM;
- 0 rub. the first deposit of cash into the account;
- 0 rub. tax and budgetary payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
- 0 rub. service account if there is no turnover.
| RKO in the Eastern Bank. | Open an account |
More about current account
- Opening an account is free;
- Reservation in 1 minute;
- Internet banking and mobile application for free;
- 3 months of service for free;
- after 3 months from 490 rubles / month
| RKO in LOKO Bank. |
7 Russian banks for opening a current account for individual entrepreneurs: Sberbank, Avangard, Vozrozhdenie Modulbank and others.
The Moneymaker Factory portal brings to your attention an overview of “Where is the best place to open a current account for an individual entrepreneur”. It is based on the personal interest of the author, who studied the conditions of several banks in order to choose the most inexpensive and optimal option in terms of functionality. Further, the story will go in the first person.
Set the conditions:
- I need to open a current account for an individual entrepreneur with the cheapest level of service, since my income is still small;
- I will be making transfers of a legal entity and an individual;
- I will pay taxes and contributions to the FIU, as well as 5-6 times a month transfer funds to a personal card for settlements in stores and other points of sale;
- my IP is on the simplified tax system 6%.
An additional advantage will be convenient services that will help you “not bother” with monthly accounting.
At the end, I will summarize with a comparative analysis of the costs of opening an account for individual entrepreneurs.
So, let's begin.
Sberbank
An account is opened in 5 minutes remotely. After the reservation, payments can be received immediately. True, they will be held only at the time of the opening, but the fact itself is very captivating. Within a month, the client must provide documents:
- passport;
- registration certificate;
- document on tax registration;
- extract from USRIP;
- card with samples of signatures and seal imprint;
- documents on the powers of the persons indicated in the card;
- passports of authorized persons;
- licenses, patents (if any).
The list of documents in other banks is not much different, so I will no longer indicate it. More accurate information can be found on the specific website. credit institution.
If all the documents are in order, an account is opened and you can use it. Before opening, you need to select the package within which the service will be carried out. There are standard rates, but they are more expensive.
The "Minimum" package includes: maintaining an account, using remote banking and making 5 payments per month free of charge. Monthly cost - 1700 rubles. The opening is paid separately - 3000 rubles and the service of the linked card. It is cheaper than opening without a package, but when compared with other banks, it comes out quite expensive. The advantage of Sberbank is that it offers a huge selection of related services, but a novice individual entrepreneur does not need them. They are not included in the package, which means they are paid separately.
Bank Avangard
This bank offers simple and clear conditions for cash settlement. The main thing is to carefully read the tariffs, where it is written that when opening a current account through submitting an online application, the cost of the operation is 1,000 rubles, and when applying offline - 3,000 rubles. Maintenance - 900 rubles per month. Avangard has no package offers. For all single tariff. It includes the connection of Internet banking, a salary project, an unlimited number of intrabank payments. External payments will cost - 30 rubles for 1 transaction. Cash Card can be linked to the current account, which will make it possible to use the account through an ATM. Office service is available upon prior request. Please note that this card is not intended for payments in outlets.
The opening procedure is standard, as is the package of documents provided. To make the opening cost minimal, you need to fill out an online application, upload scans of the required documents, and then contact the office with the originals to complete the operation.
Bank "Revival"
For new individual entrepreneurs, the tariff plan of the bank - "Starting" is best suited. In it, opening via the Internet will be absolutely free. Maintenance costs - 600 rubles per month. The cost of one Internet payment at this tariff is the highest in the bank - 40 rubles per 1 piece. The opening procedure involves an online application for reserving an account number, downloading scans and then contacting the bank office. All this can be done within one day. The tariff includes free options: online banking service, issuance checkbook, certification of documents and transaction passport. Maintaining a linked card will cost 200 rubles.
Free account opening is valid within the "Easy transition" campaign. It will run until December 31, 2017. Therefore, those who want to save money and use the Vozrozhdenie bank need to hurry up.
There is very little information on the tariffs for related operations on the bank's website. Apparently, you will have to apply for it directly to the office or call the bank's specialists.
Raiffeisen Bank
Bank with foreign capital usually provides fairly loyal service conditions in many areas. Let's see what he can offer the young IP. Raiffeisen has several tariff plans. I like the start package. Its price when paying for 1 month is 990 rubles. But if you pay immediately for 1 or 2 years, then the cost will be lower - 743 rubles per month. This amount includes opening, maintaining an account and Internet service "ELBRUS" -Internet, opening a "Business 24/7" - "Basic" card. Maintenance of the card costs 90 rubles per month. Mobile banking will cost 190 rubles. The cost of one payment is 25 rubles.
To reserve a room, you need to send a request through the site. The manager will call back and discuss the time of the meeting with the employee to sign the documents. The employee will arrive at the specified location within the city where the bank's office is located. At first glance, Raiffeisen's pricing policy is quite loyal, but here you need to study in depth the tariffs for the necessary IP operations.
VTB 24
The bank is large and is in the top five, but the cash settlement service for individual entrepreneurs is not very comfortable here. Firstly, the prices for opening an account are going through the roof - 2500. Even if we take the minimum package rate, which provides for a 50% discount, it turns out that I will pay 1250 for opening, 250 for connecting to an Internet service and 1000 for a package of documents, and even pay subscription fee 1100 for the first month. The huge and unwieldy mechanism of this bank is still behind the new trends and does not offer online account bookings. Everything will have to be done in person in the office. Internet banking is not connected remotely, but is installed on my computer, about which I must sign the “Act of Completed Works”.
Module-Bank
A young bank that works exclusively with small and medium-sized businesses. All operations and processes in it are “sharpened” for remote maintenance of enterprises. It has many additional services that make life easier, which I am very pleased with. Let's look at his rates. I like the "Starting" tariff. In it, opening, maintaining an account and Internet banking for 1 person are absolutely free. But 1 payment costs as much as 90 rubles. Also, 1.5% is taken for the issuance of cash from any amount.
Here I can afford a more expensive tariff - "Optimal". The monthly fee is only 450 rubles, but additional options and "buns". The current account number is booked remotely after submitting an application and uploading documents. To sign the contract, you will have to come to the bank office or call an employee. I was a little confused by the requirement in the list of reference documents from other Modul-Bank clients. And also, keep in mind. The free mode may change in a year and become quite unprofitable, as the bank attracts customers in this way.
Bank opening"
A fairly popular bank with a standard set of options when opening a current account for individual entrepreneurs. The operation itself costs 1300, maintenance will cost another 750 if there is a remote service. If there is none, then the cost of maintenance rises to 1700. The price of one payment in online banking will be 27-30 rubles, depending on the type of “external-internal”. Issuing a cash card costs 200 rubles, maintenance - 1500 per year (125 rubles per month). The registration process begins with an application on the site. During its filling, it is necessary to put a tick in the item "Account reservation". After sending, a current account number will be sent to the specified e-mail, which can already be indicated in the documents. To complete the operation, you need to contact the bank with a package of documents within 2 weeks.
Comparative analysis and results
So, I virtually visited 7 banks that offer the service of opening an account for individual entrepreneurs. What happened? Where is the best place to open a bank account?
Technically, the opening conditions are not much different. Everywhere the algorithm is the same:
- Application on the site.
- Number reservation.
- Submission of documents to the office or arrival of a specialist.
The list of documents is also approximately the same (it is described in the review of Sberbank).
Price. Here it is more interesting. I made a table with the results for the minimum cost of opening an account and its maintenance.
| Opening | Package fee | Internet banking | Card to account | Without card/ |
||
|---|---|---|---|---|---|---|
| Sberbank | ||||||
| Opening | 200+1500 (management per year) | |||||
| Raiffeisen | ||||||
| rebirth | 200 per month | |||||
| Vanguard | ||||||
| Module-Bank | First year - 0 |
It turns out that the most expensive service is in the most "popular" bank - Sberbank. VTB24 is in sixth place, and Otkritie Bank is in fifth, provided that you do not issue a card. Next comes Avangard, and the top three looks like this:
- 3rd place - Raiffeisen-Bank;
- 2nd place - Bank "Vozrozhdenie";
- The winner is "Module-Bank" with an absolutely free account opening at the "Starting" tariff.
Before contacting a particular bank, Moneymaker Factory advises you to check the validity of the specified conditions once again. They tend to change several times a year.
Already after writing this review, we found special offer 1C and Tinkoff Bank for start-up entrepreneurs with free opening of a current account and free service during the first 3 months.
Tinkoff is good and modern bank. Therefore, for those who are interested, we recommend testing it for 7 months for new IPs and up to 3 months for everyone else for free. And we will soon add it to the review and, as it seems to us, it will become one of the leaders.
