Comparison of banks for opening a current account Where is the best place to open a current account for an individual entrepreneur or LLC? Comparison of RKO tariffs
January 2019
One of the primary issues that arise when starting a new business is opening a current account. For individual entrepreneurs, this procedure is not mandatory, although it is used by many entrepreneurs for the convenience of carrying out financial transactions, but for an LLC, a checking account is required. About where it is better to open a current account for an individual entrepreneur or LLC under the most comfortable conditions and will be discussed in this article.
Opening a bank account for an individual entrepreneur or LLC
A current account is an account that is opened with a bank by a legal entity or individual for the purpose of storing Money. With its help, current calculations are carried out in non-cash form. The client can open several such accounts in one bank (they may differ in the currency of the account, as well as special purpose funds for them may be different).
You can open a current account through an online application on the website of the selected bank. Usually, an account is opened within a day from the date of application. You don't need to visit the bank for this.
The full package of documents required to open an account is individual for each bank. The final list of documents will be affected by the type of account being opened, as well as the legal status of the organization. Required documents you need to look directly on the website of the bank where it is planned to open a current account.
A sample list of documents for individual entrepreneurs and LLCs can be found below.
Which bank to choose for an individual entrepreneur or LLC - 5 best banks
To understand in which bank to open a current account for an individual entrepreneur or LLC, you first need to decide on the main criteria that such a bank must meet. There are many such criteria, but here are the most basic and important ones:
- fee for opening a current account;
- monthly cost of its maintenance;
- minimum percentage for operations on the account (deposit / withdrawal, as well as transfer of funds);
- convenience and availability mobile bank(a specialized application should be simple and straightforward to use);
- accrual of interest on the balance of funds;
- high rating and reliability of the financial structure in which it is planned to open an account (the rating of the most reliable banks can be found in the corresponding article).
It should be noted that all the prices below are relevant for Moscow and the Moscow region. The cost of services in other regions may vary.
This is a young online bank for entrepreneurs, which is a branch of SKB-bank. To open a current account, there are five interesting tariff plans. The main features of each are described below:
- "Favorable start". The main distinguishing features of this tariff are free account opening and free monthly maintenance. It also works here free translation within the network of DeloBank and SKB-bank. There are no free external payments - the cost of one transfer is 87 rubles. The commission for depositing funds to the account is 0.3% (you can deposit up to 50 thousand rubles per month without a commission).
- "Active Growth". Monthly service at this rate will cost 792 rubles. - if you pay for the package immediately for the year. If you pay monthly, the price will increase to 990 rubles. per month of service. The tariff includes 15 free payments, from 16 a fee of 25 rubles is introduced. for the operation. You can deposit cash for free up to an amount of 50 thousand rubles, a commission of 0.2% is introduced above it.
- "More possibilities". The cost of this package is 1432 rubles. per month when paying immediately for the year (1790 rubles - if you pay every month). The tariff includes 50 free payments, from 51 payments will cost 25 rubles. There is a possibility of free cash deposit up to the amount of 150 thousand rubles, then - 0.2% of the amount.
- "Reliable Solution" For this package you will have to pay from 2480 to 3100 rubles. per month (conditions for the price are the same as for the previous two tariffs). It includes: 100 free external payments (from 101 the cost per transaction will be 25 rubles), cash deposits through an ATM or bank cash desk up to 200 thousand rubles. (over this amount, a commission is introduced - 0.1% of the contribution amount).
- "Major League". The tariff is estimated at 6072 rubles. per month with 20% discount. The usual monthly price is 7590 rubles. This plan boasts unlimited free external transfers as well as commission-free cash deposits with no limits.
Each of the four paid plans has a promo period when opening an account. "Active Growth" will be serviced free of charge for the first two months, the remaining three tariff plans - one month free of charge. Also, for all paid tariffs, annual interest on the account balance: if the amount on the account is more than 50 thousand rubles. (up to 300 thousand rubles) - 2.5%, over 300 thousand rubles. - 5%.
Most detailed information for each tariff can be found.
Open an account
This organization is the most profitable bank for individual entrepreneurs, according to the analytical agency Markswebb.
Perhaps no one will deny that this company has one of the most convenient online banking systems, and perhaps the most convenient. Another advantage of the bank is a long payment day, which lasts from 01:00 to 21:00 (for third-party Moscow banks), and within the bank it is 24/7.
There is also a nice bonus in the form of free account maintenance for several months, depending on the conditions:
- each new user - 2 months;
- if the person who opened the account came from a bank with a revoked license - 3 months;
- if the client made an advance payment for a year - +2 months.
The current account opened here will accrue interest - up to 6% per year on the balance.
Tinkoff Bank presents three tariffs:
- "Simple". Monthly service for this tariff - 490 rubles. You can make three transfers to another bank for free (after that, you will have to pay 49 rubles for each). Commission for transfer to the account of an individual and withdrawal of funds up to 400 thousand rubles. - 1.5% + 99 rubles. Replenishment of the current account is subject to a commission of 0.15% (but not less than 99 rubles).
- "Advanced". Its monthly cost will be 1990 rubles. There are no free payments - each interbank transfer will cost 29 rubles. For translation to an individual and withdrawal of funds up to 400 thousand rubles. a commission of 1% + 79 rubles applies, for replenishment - 0.1% (minimum 79 rubles).
- "Professional". You will have to pay 4990 rubles for it. per month. This tariff also does not provide for free payments (the cost of each is fixed - 19 rubles). Transfer funds to the account persons and can be withdrawn with a commission of 1% + 59 rubles. (up to an amount of 800 thousand rubles). You can replenish your account by paying a commission of 0.1% of the amount (not less than 59 rubles).
Opening a current account for each of the tariffs is free.
You can find all the available information for each tariff.
Open an account
This bank is one of the most popular among entrepreneurs, as it specializes in servicing this category exclusively and provides Better conditions for IP.
To open an account in this organization, three tariffs are presented: “Required minimum”, “Golden mean” and “All the best at once”. Open an account and connect mobile bank can be free of charge for each of the tariffs. Monthly fee - 0, 500 and 2500 rubles. accordingly (without discount). For the “All the best at once” tariff, the first three months of service will cost 500 rubles. per month. If the package of services is paid for a year at once, then the prices are 0, 450 and 2000 rubles per month. In case of zero turnover on the account within billing period you will not have to pay for the service (this applies to all tariffs).
The number of free payments to the account of an LLC or individual entrepreneur: unlimited for the “Required minimum” tariff - this tariff plan can be connected only on one account in your company, 10 - for the “Golden Mean” (above this number a fee of 60 rubles is introduced for the transfer ) and 100 - for "All the best at once" (from the 101st - 15 rubles per translation).
You can withdraw cash and transfer funds to an individual's account without a commission at the “Required minimum” tariff. The "golden mean" allows you to transfer IP for free up to 200 thousand rubles. per month. The following commission applies to cash withdrawals: up to 50 thousand rubles. - 1.5% (but not less than 100 rubles), from 50 thousand to 400 thousand rubles. - 3% (minimum 100 rubles), over 400 thousand rubles. - 6% (not less than 100 rubles). For the “All the best at once” tariff, there is a restriction of a free monthly transfer to individuals with individual entrepreneurs in the amount of 500 thousand rubles. Withdraw cash up to 100 thousand rubles. per month without paying a commission. 3% of the amount will have to be paid if the amount of funds withdrawn is in the range from 100 to 800 thousand rubles. and 6% - more than 800 thousand rubles.
Also, Tochka Bank has the longest payment day: 24 hours a day - intrabank transfers, 19 hours (from one in the morning to eight in the evening) - other bank counterparties.
For a thorough acquaintance with the tariff plans, follow the link.
Open an account
This popular and reliable financial structure is among those where it is more profitable to open a current account.
To issue a package of services, there is no need to visit a bank branch - the manager himself will arrive at the specified address. The account will be opened and available for use within 24 hours (you can get account details without presenting the necessary documentation and visiting the bank in 10 minutes). The Internet banking system here is very convenient and can compete with Tinkoff Bank.
To open a current account for any turnover and purpose, the bank offered five tariffs: “Just 1%”, “Best Start”, “Good Choice”, “Foreign Economic Activity +” and “Everything You Need”. The main features of each of them are presented below.
More detailed description all tariffs can be found in the documents attached below:
Open an account
Opening
One of the activities of this bank is work with small businesses. Opening an account here is easier than anywhere else. Opening an account takes 5 minutes and takes place online. Also, your visit to the bank is not required - during the day there is a meeting with a specialist and the signing of an agreement.
Opening an account here is free. An important advantage of this company is the ability to open a current account without a subscription fee (0 rubles per month). Four more paid tariffs are also presented.
At the moment, five tariff plans are available for connection on the site: "First Step", "Rapid Growth", "Own Business", "All the World" and "Open Opportunities". Below are the main features of the free First Step package:
- opening a PC and a monthly fee - 0 rubles;
- transfers to the accounts of legal entities and individual entrepreneurs - no fee is charged for intra-bank transfers, an interbank transfer will cost 100 rubles, starting from the 4th (3 payments per month for free);
- transfers to accounts of individuals - 0 rub. (up to 100 thousand rubles per month);
- commission for withdrawing funds on a Business card - from 0.99% (up to 200 thousand rubles per day, but not more than 2 million rubles per month).
Open an account
Comparison table of banks for sole proprietorship or LLC
For comparison, the cheapest tariffs from the line for each bank will be used. Below is a table with the most significant indicators for such tariffs for each of the above organizations.
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How to choose the best services
Despite the fact that in order to entrepreneurial activity opening a current account is not a prerequisite, it is unlikely to work without it. Any business involves settlements with customers and partners, and legislation imposes serious restrictions on cash transactions. It is illegal to use personal cards and accounts for business.
An account is just an account in a bank, but it is he who allows you to make a lot of transactions with money, this is the so-called RKO - settlement and cash services and also provides access to specific bank services.
Therefore, the following factors may influence the choice:
- Scroll banking services. For example, almost any business requires certain investments at the start. The bank can ensure their availability at the expense of borrowed money. Therefore, the conditions and possibility of lending can be a key factor in the choice.
- Geography of presence. Even largest banks out of the top 10, they do not have branches in all localities.
- Requirements for clients. For example, some credit organizations do not work with IP.
- The cost of settlement and cash services. Even if the bank offers a free rate, you will pay for its services one way or another. For example, a commission from incoming payments or from withdrawals, transfers, etc.
RKO tariffs for legal entities
You can not compare only the cost of opening a bank account. This is a one-time payment that can be neglected in most cases. The key indicator is the totality of all expenses that an enterprise or individual entrepreneur may incur in the process of servicing. Namely:
- Monthly commission for servicing the account and access to it using the remote service system.
- The amount of fees for all transfers and other transactions. For example, in favor of individuals for payment wages, in favor of partners for settlements under supply contracts, cash withdrawals and deposits at cash desks, in self-service devices, etc.
- Operative information on services and account status.
To the final cost, you can add or vice versa subtract commissions and interest for Additional services:
- lending;
- deposits (work in plus);
- acquiring;
- etc.
The process of such a calculation requires a lot of time to study the tariffs and the nuances of their application. RKO rates for LLCs and individual entrepreneurs may differ, may depend on the region, as well as on other factors.
Or you can just use our calculator. We will count everything for you. All you have to do is compare and choose.
In which bank is it better to open an IP current account
Favorable tariffs for cash and settlement services for entrepreneurs are not always a decisive factor. The quality of service and technical capabilities of the bank are no less important. For example, in some credit institutions, opening a bank account may take several days or even weeks and require more than one visit to the office. And some banks can do everything in one, maximum two days, and accept and sign documents even without a visit to the branch.
Such high-tech banks with customer-oriented service include, for example, the following:
- Tinkoff Bank;
- Modulbank;
- Point (generally positions itself as a multi-bank service);
- DeloBank;
- Sphere;
- Vesta (relevant only for Moscow).
They focus primarily on remote service.
If you have a micro-enterprise and every penny counts, it is better to open an account at a tariff with free maintenance. These provide, for example:
- Sberbank;
- Alfa Bank;
- Opening;
- Dot;
- Modulbank;
- Loko-Bank;
- Promsvyazbank;
- Sovcombank;
- DeloBank.
Where is the best place to open a bank account?
Sometimes a limited liability company can be managed by one individual, who will be the only employee in combination. Therefore, such an organization is not much different from the same IP. But such situations are rather rare.
The form of ownership of an LLC opens up much greater business opportunities, which is why it is traditionally chosen to create companies with a good turnover. And if individual entrepreneurs, like individuals, deposit guarantees are provided by the Deposit Insurance Agency, then the legal entity is not insured by anyone.
Hence a simple conclusion - you need to choose a bank, first of all, based on its performance indicators, by which you can be sure of high reliability.
Choosing a tariff for settlement and cash services for legal entities will be a little more difficult than for the same individual entrepreneurs, since a larger volume of basic and additional services is expected. The bank must ensure their maximum set.
These criteria can safely include credit institutions from the top 10 in terms of revenue and/or capital. For instance:
- Sberbank,
- Alfa Bank,
- Opening,
- Gazprombank,
- Rosselkhozbank,
- Promsvyazbank.
So that the comparison of banks is not limited only to their rates, we have collected a lot of information about each of them, for example: key performance indicators, technical capabilities, reviews of real customers, geography of presence, a range of services and documents required for applying.
Settlement and cash services is one of the main areas in which they specialize banking institutions along with deposits and loans. Within the framework of RKO, banks open and maintain settlement accounts for individual entrepreneurs and legal entities in Russian and foreign currencies.
Such service includes:
- making money transfers and accepting payments from partners and counterparties;
- creation of account statements detailing the transactions performed;
- collection of funds;
- any transactions at bank cash desks and payment terminals, including currency transactions;
- provision of Internet and mobile banking, etc.
The list of services provided can be expanded thanks to such options as acquiring, renting individual cells and many others that financial institutions are also positioned as components of settlement and cash services.
By law, individual entrepreneurs have the right to conduct activities without opening a bank account, if it involves the circulation of only cash, and the amount of each transaction is less than 100,000 rubles. But for work on non-cash payment You will need to open a bank account.
Service in financial institutions helps the business to control cash flows. In this case, the entrepreneur always has complete information about the account, and the bank keeps a history of all transactions, so that the client has the opportunity to study it and find the necessary information at any time.
Most modern institutions operate via the Internet. Entrepreneur, in order to get acquainted with the balance of the account, carry out remittance or pay taxes, you can go to Personal Area on the website of the organization or use the mobile application on the smartphone. It can be accessed from any computer with Internet access or a modern device based on Android or iOS.
How to connect
To open a bank account, you need to conclude an agreement with one of the banks. In some cases, all the necessary operations can be performed remotely. To do this, you should register on the site, after which you will be assigned a meeting with a specialist, at which all papers will be drawn up.
What to consider when choosing an offer
What you should pay attention to when choosing the best offer:
- Reputation, reliability, financial stability of the bank.
- Availability of a developed network of branches and a network of partner banks.
- The presence of a branch in Moscow or the Moscow region next to the company's office.
- Reviews of colleagues, acquaintances, other entrepreneurs.
- Attractive conditions specifically for your business area.
- The amount of the fee for opening and closing an account. The cost of performing one payment transaction and providing statements. The cost of collection and other necessary services.
- Conditions for connecting remote access to the account. The cost of providing access to the Internet bank and mobile application.
- Working hours and hours at which payment orders are accepted.
- Availability of a personal manager and 24/7 technical support.
- Interest on the balance of own funds.
- Special offers on various banking products.
- Discounts and bonuses for newly connected customers as part of loyalty programs.
A balanced combination of the minimum tariff, attentive service and a simplified document processing mechanism is what an entrepreneur pays attention to first of all. Pay attention not only to the cost of opening, maintenance and payments, but also the commissions for replenishment and withdrawal of money. It is important that the account management is inexpensive, and the Internet bank functions on all platforms.
All offers displayed on this page are the best or profitable only in the opinion of Banki.ru experts.
Sberbank, Tinkoff Bank, PSB, Tochka Bank, Sfera Bank, Loko-Bank, VTB Bank, OTP Bank, UBRD,
A successful individual entrepreneur at some point is faced with the fact that he needs a current account to make transactions for large sums of money with partners. However, finding the right bank for this is not an easy task. From this article, you will learn what criteria you need to pay attention to when opening a current account, and which banks provide the most advantageous offers.
Account opening
Be sure to specify how much it costs to open a current account for an individual entrepreneur in the bank that interests you. Most of them abandoned the paid system and now open current accounts for free. However, among the leading banks there are those that still charge a fee for this, which ranges from 1,000 to 3,000 rubles.
Monthly maintenance
Monthly maintenance also plays an important role. It can also be free or paid. It all depends on the terms of the account. For example, some banks provide a strictly limited number of free payments per month, while additional ones are bought for a fee. It is on this that accounts with free monthly maintenance make a profit. Paid service implies a larger or unlimited number of payments per month, or a set of additional functions.
Internet banking connection
No one wants to waste time in queues at branches, so look for a current account with the Internet payment function connected. Then you don't have to waste your energy on a trip to the nearest bank branch to conduct business transactions.
Tax and budget transfers
It is quite easy for current account holders to pay taxes, especially considering that some banks are willing to handle this issue for you. For an additional fee, you can add a service, thanks to which all tax and budget transfers will be managed by the bank.
Interbank transfers
Money transfers always require a commission, but only for some accounts it is clearly overpriced, while for some it is quite acceptable. If you know that you will be making many transactions between banking organizations, then you need to pay attention to this criterion.
Cashing out money
The conditions under which you open a current account also determine how much money and for what cost you can cash out. Accounts usually have tariffs that break the amounts of money into several steps. For example, you can withdraw up to 50 thousand for free, from 50 to 100 thousand - for 1% of the amount, and from 100 to 500 thousand - for 3%. In some cases, the commission for withdrawing money is included in the maintenance of the account, and then this service is free.
Corporate card
In order to have free access to their finances at any time, an individual entrepreneur will need a corporate card. Often they are issued for an additional fee, but it also happens that they go as a bonus to expensive services. The number and properties of cards vary from bank to bank, so do your due diligence before opening an account.
Accrual% on the balance
Another bonus that some banks delight IPs with is interest. That is, it turns out that your working capital also ends up in a savings account, under the terms of which you are paid interest on the money that you have left at the end of the month. Usually they are not very large, but still a nice addition, especially with inflation conditions.
Online accounting for individual entrepreneurs
Individual entrepreneurs rarely hire professionals and do their own bookkeeping. To simplify this task, a number of banks decided to create an online accounting function that displays all the income and expenses of an individual entrepreneur, helps to compile a monthly report and calculate taxes payable. A very useful service, it greatly simplifies the workflow, so if you think that you will soon get lost in the numbers, definitely look for a checking account with it.
Top 10 Best Banks for Sole Proprietors - Rate Comparison
Tinkoff bank
Tinkoff Business offers the "Simple" tariff for beginners and existing entrepreneurs. "Simple" is aimed at those who are just starting their own business, as it offers them very favorable conditions for opening and maintaining an account.
- Opening and maintenance for the first six months is free for them, then only 450 rubles a month.
- Three free payment orders can be made monthly, the next - for 49 rubles each. The function becomes free if you connect a special application "Interbank - no commission."
- The commission for withdrawing money from the account ranges from 1.5 to 10 percent, depending on the amount withdrawn.
- The "Simple" tariff supports online banking and has special applications for IOS and Android.
- In addition to basic services, the tariff also provides promotion of your business in in social networks and gives free access to online accounting for 45 days, the following days are charged.
Alfa Bank
The orientation of Alfa Bank is more biased towards established individual entrepreneurs who are willing to pay for the services they offer. The "Start" tariff is famous for its security and a set of additional features that make working with it more efficient.
- Opening an account is free, but you have to pay 490 rubles a month for maintenance without any discounts and additional conditions.
- All payment orders are paid, from 1 to 6 - 45, all subsequent - 150 rubles.
- It is possible to connect personal online banking for 990 rubles per month.
- Cash withdrawal takes place with a commission from 2 to 11 percent, depending on the amount.
- It makes it possible to issue a corporate card linked to an account for 299 rubles.
- It has a wide range of additional bonuses - assists in opening your own online store, promotes business through social networks, provides free online accounting services for six months.
Bank Tochka
The "Minimum" tariff has become incredibly popular among beginner IPs due to the fact that it provides most of its functions for free. On the other hand, it also does not have any additional bonuses or services that entrepreneurs might be interested in.
- Opening, maintenance, cash withdrawal, online banking are free.
- The bank assists in registering an enterprise in the register for 2800, and this includes the state duty.
- It has its own app for IOS.
Modulbank
Modulbank is considered the offspring of Sberbank and positions itself as a bank for small businesses. Its "Starting" tariff provides all the conditions that are necessary for the comfortable maintenance of a current account.
- Account opening and maintenance is free.
- Each payment order costs 90 rubles.
- It is possible to withdraw money from the account with a commission from 1.5 to 20 percent, depending on the amount.
- Supports free online banking, almost all operations can be carried out via the Internet. It also has a very fast and high-quality application for IOS and Android.
- As a bonus, there are gifts from Modulbank's partner firms - from Yandex, OZON and others.
Promsvyazbank
The Business Start tariff is suitable for those who do not want to spend money on an expensive current account, but want to receive the entire basic set of services.
- Opening, servicing and withdrawing cash at this rate is free.
- Payment orders are also not too expensive: the first three are free, all subsequent ones cost 99 rubles.
- There is online banking with a wide variety of available services - almost any transaction can be made via the Internet without coming to a branch of Promsvyazbank. Supports a good application for smartphones.
- The tariff also provides loans for small businesses on small amounts. They have preference in the consideration of the application and their execution.
Sberbank
The biggest Russian bank also did not stand aside and also pleased with his offer of a tariff for individual entrepreneurs. The "Easy Start" tariff contains everything you need for comfortable work.
- Opening and maintaining an account is free.
- The first three payments are free, but all subsequent ones are already 100 rubles each.
- Stable commission for cash withdrawal - 3% of any amount.
- "Easy Start" is connected to the online bank, and opens all possible services there. There is also an application for smartphones, but it is difficult to use, as it slows down phones a lot.
- The tariff offers an unusual bonus system: business promotion in social networks and a free monthly subscription to the hh.ru website to search for employees.
VTB 24
VTB 24 is not often mentioned when we are talking about serving small businesses, but in vain. The "Business start" tariff allows you to get a large amount of services for the appropriate payment.
- Opening an account in this case will cost 1500, but it will be done almost instantly.
- The service will cost you 1200 rubles per month, but you will have access to free cash withdrawals.
- Five free payments per month will be available to you, the rest - for an additional fee, depending on the amount of the order.
- The tariff provides promotion in social networks and gives free annual access to online accounting services.
Raiffeisen bank
Raiffeisen Bank with its Start tariff is offered on Russian market a truly European product - there is nothing superfluous in this current account, but the services that are provided are offered for an adequate payment.
- Opening an account is free, but monthly service costs 990 rubles.
- This tariff has a rather sparing cost of payment orders compared to other offers - only 25 rubles per payment order.
- Cash withdrawal is possible with a commission from 1 to 10 percent.
- "Start" is connected to the online bank, and through it you can perform most of the tasks related to the account.
Ural Bank for Reconstruction and Development
This bank can hardly be called advanced, but in terms of offerings for small businesses, it clearly outperformed many competitors. Its "Online" tariff is somewhat similar to the offer of Raiffeisen Bank, but it has a little more favorable conditions according to some parameters.
- Free account opening, maintenance fee - 900 rubles per month.
- The cost of one payment order is only 27 rubles, much lower than most competitors.
- The commission for cashing out money is quite small - from 1.1% to 7.5%.
- It is especially beneficial to open an account with this bank if you are already its client - in this case, you will be guaranteed a 50% discount on the Start tariff.
Bank Avangard
Our rating is closed by Avangard Bank with the "Basic" tariff. This offer doesn't really have any features or bonuses, but it's fairly well balanced in terms of cost-of-service-quality.
- The cost of opening an account is 1000, monthly maintenance is 900 rubles.
- The price for one payment order is not very high - 30 rubles.
- stable commission for cash withdrawal – 3%.
- Support for online banking and smartphone applications.
Comparison of bank tariffs for individual entrepreneurs is presented in the table:
Bank and tariff | Opening cost | Cost per month | Payment order cost | Additional Information |
Dot, "Minimum" | Is free | Is free | Is free | Online registration of IP - 2,800 rubles (including state duty) |
Tinkoff, "Simple" | Is free | Free for the first 2 months, then 450 rubles | 3 free, the next for 49 rubles | Transfer of salary to any cards |
Promsvyazbank, Business Start | Is free | Is free | First 3 - free, then - 99 rubles | Free transfer of funds to the account of individuals |
Modulbank, "Starting" | Is free | Is free | 90 rubles | Maximum account turnover per month - 1,000,000 rubles |
Alfa Bank, "On the start" | Is free | 490 rubles | From 1 to 6 - 45, all subsequent - 150 rubles | Free account maintenance in foreign currency |
Sberbank, Easy Start | Is free | Is free | 3 free, next 100 rubles | Free corporate cards - credit and debit |
OTP Bank, "Basic" | Is free | 2200 rubles | 12 free, next 27 rubles | Convenient tariff for start-up entrepreneurs |
Opening, "Comfort" | Is free | Free for the first 4 months, then - 1,290 rubles | 10 - free, the next for 49 rubles | Provide business registration services |
Vanguard, "Basic" | 1000 rub | 900 rubles | 30 rubles | Support for online banking and smartphone applications. |
UBRD, "Online" | Is free | 850 rubles | 26 rubles | In this tariff, payments are made the next day |
Let's summarize. We dismantled best deals that are on the market for services for small businesses. You can see that almost every tariff attracts with one or two features that may be important for a certain range of customers - someone needs cheap payments, someone needs a low commission for cashing out money, someone needs a budget current account for starting a business . Now there are no offers that would not lure customers with special bonuses. Decide for yourself what exactly you want from your account, so as not to overpay for services that you do not use. Based on your needs, and then you can choose exactly what you need. Do not forget to check the proposed current account according to the criteria described at the beginning of the article, and then you will definitely find the only one whose set of services will suit you.
This is the first article about the life of an aspiring sole proprietor. Yesterday I submitted documents to the tax office and began to choose best bank for IP. That's what came out of it.
It turned out that the information on the Internet is either irrelevant or too promotional with a lot of footnotes and "asterisks". To understand this, I had to read 28 pages of the Banki.ru forum, several topics on automotive and SEO forums, study the TOP-10 articles from Yandex and Google for the query "bank for individual entrepreneurs".
I realized that it is difficult to find up-to-date information on the Internet, and I decided to call all the banks myself. Based on the articles I read, I compiled a list of 20 banks that I began to call to find out the exact information.
You can open a current account at any time after registering an individual entrepreneur, but it is better to do this as early as possible. A novice entrepreneur will be able to use it to accept and send any payments, cash and non-cash, and withdraw money for personal needs to his card or personal account. After your business expands, you will be able to connect the acceptance of non-cash payments at terminals or on the Internet, conduct transactions in foreign currency and issue salaries to your employees on cards.
You can open an account in any bank you like, regardless of the place of residence or business registration. You can apply online or at a bank branch.
Business background:
- A lot of receipts to the current account from individuals
- Money transfer once a week to your card in Alfa-Bank
- Payment by invoice - only mandatory payments to the tax and FIU
- USN 6%
Bank requirements:
- Low prices for opening and maintaining an account
- Low fees for cash withdrawals and withdrawals to personal card
- Internet banking with support for modern browsers, including Safari for Mac
- SMS-notifications about transactions (receipt of money, making payments)
- Mobile App for iOS (Preferred)
Out of 39 banks that I called, I chose 15 banks with the most profitable and interesting offers.
I also found out what documents you need to provide to the bank to open an account. The package of documents includes:
- The passport
- Extract from the USRIP or certificate of registration of an individual entrepreneur
- TIN of the entrepreneur
All documents must be submitted in their original form. Bank employees will take and certify copies of them themselves. After that, you need to fill out an application (if you have not done this before) and sign agreements for opening accounts. Then wait for the notification about the consideration of the application and the opening of the account. You will immediately receive details that can be entered into all documents and databases.
1st place. Winner. Point (FK Otkritie / Qiwi Bank). Tariff "Required minimum"
1st place
Tochka positions itself as "the very best bank for entrepreneurs." After its appearance, many businessmen serving in Avangard Bank moved to Tochka. There are many discussions on the forums on this subject. For all its customers, the bank offers favorable tariff with free (!) service and special offers from bank partners. The point is part of a unique interbank project organized by FC Otkritie and Qiwi Bank. You can choose on the balance of which bank you want to be served - the conditions do not change from this.
Now Tochka operate special conditions transfers to the self-employed - the bank does not charge a commission for transferring funds to the account of a self-employed individual. This condition is valid for all RKO tariffs. To make a payment without a commission, indicate the recipient's account number and check the appropriate box when filling out the payment. This option does not work for auto payments.
Free transfers to the self-employed have been launched as an experiment that will run until February 29, 2020. If the experiment is successful, then this condition will become permanent.
In addition, Tochka launched an online IP registration service. To use it, just leave a request and upload scans or photos of documents. Bank specialists themselves will draw up an application and submit it to tax office, select OKVED activity codes and open a current account. You will only need to pay the registration fee and sign a current account agreement with the manager.
The dot works in all major cities Russia and almost all regions.
The bank is suitable for both new and long-existing IP.
The bank offers everything you need for an individual entrepreneur.
The point operates on the basis of two large Russian banks.
- Cost per month is free
- Opening cost is free
- is free
- Transfers to an individual is free
- Internet banking
- SMS informing 90 rubles per month for each number
- App for iOS there is
- Internet banking login login and password, and then a choice of SMS confirmation or a keychain with a code
- Cash withdrawal is free
- Invoicing online with a specialist visit
- Additionally online registration of IP - free of charge (including state duty)
- Bonuses when opening an account 50,000 rubles for promotion in social networks in myTarget, 10,000 rubles for promotion in Yandex.Direct, 3,000 rubles for promotion in Google.Adwords
Advantages
- Completely free service
- Free salary and corporate cards
- Assistance in registration of IP
Flaws
- Small Business Only
2nd place. Modulbank. Tariff "Optimal"
2nd place
The project from people from Sberbank is positioned as a convenient bank for small businesses. Convenient website, technical support with a human face, all transactions through the Internet bank and mobile app. For an individual entrepreneur, he has an inexpensive tariff with all the necessary functions. After talking with a consultant and studying the forums, I concluded that given bank best suited for entrepreneurs according to the criteria stated in my requirements.
The bank operates in 50 regions of Russia, including Moscow, St. Petersburg, Novosibirsk, Kazan, Rostov-on-Don, Krasnodar and Sochi.
The bank offers favorable conditions for small businesses.
The account is issued completely online.
All necessary services are available in Modulbank.
Fairly stable and reliable bank.
All account transactions are carried out online.
- Cost per month 690 rubles, 0 - if expenses on cards per month are from 100,000 rubles
- Opening cost is free
- Payment order cost 19 rubles
- Transfers to an individual
- Internet banking
- SMS informing 90 rubles per month
- Internet banking login
- Cash withdrawal
- Invoicing online with a specialist visit
- Bonuses when opening an account Gifts from Yandex, My Business, Kontur.Elba, OZON and other services; 4 months of virtual telephony + landline number for free; discount 5 000 rub. on the first lease payment
Advantages
- Possibility of free account maintenance
- Savings accounts and deposits
- Loans and overdraft with instant processing
Flaws
- Small Business Only
3rd place. Promsvyazbank. Tariff "Business Start"
3rd place
A large bank with state participation, recognized by the Central Bank as one of the systemically important. It is one of the three largest commercial banks in Russia, so you don’t have to worry about revoking a license. The starting tariff from PSB is suitable for all small and newly opened individual entrepreneurs who need to save money on opening and maintaining an account.
You can open a current account in many large cities - Moscow, St. Petersburg, Yekaterinburg, Volgograd, Chelyabinsk and others.
The account is opened and maintained completely free of charge.
You can open an account without visiting the bank.
The bank offers entrepreneurs everything they need.
After the reorganization, the PSB restored its reliability.
The bank provides all necessary tools for doing business.
- Cost per month is free
- Opening cost is free
- Payment order cost 3 per month - free, then - 100 rubles
- Transfers to an individual up to 150,000 rubles - free of charge, then - from 1.5%
- Internet banking yes (support for new browsers, including Safari for Mac)
- SMS informing 99 rubles per month
- App for iOS there is
- Internet banking login USB key
- Cash withdrawal from 3%
- Additionally business loans with fast online processing
- Invoicing
- Bonuses when opening an account Not
Advantages
- Completely free account maintenance
- 24/7 support for intrabank payments
- Business loans with fast online processing
- Assistance in registering a business
Flaws
- You cannot open an account in foreign currency
4th place. Opening. Tariff "First step"
4th place
Major systemic significant bank with a large network of branches throughout the country. He restored his performance after undergoing reorganization and joining Binbank, so he can be trusted again. For novice entrepreneurs, the bank offers a current account with free service and withdrawal to a personal card up to 100,000 per month without commission. The opening provides for a large number of services and offers for business - from online cash registers to support foreign exchange transactions. The disadvantage is expensive payments and high commissions for cash transactions.
Otkritie has a large network of branches throughout the country - from Moscow and Kaliningrad to Khabarovsk and Yuzhno-Sakhalinsk. You can open an account in any of them.
RKO in Otkritie is suitable for a growing business.
You will receive details after completing the application.
The opening offers the entrepreneur everything they need.
The opening maintains a high level of reliability.
Internet banking works on any device.
Advantages
- Assistance in registering a business
- Merchant acquiring and online cash desks
- Free SMS Notifications
Flaws
- Expensive payment orders
5th place. MTS Bank. Tariff "Easier than simple"
5th place
A large bank controlled by the telecom operator MTS. He develops interesting offers for both private clients and businesses. For beginners, he offers a tariff with free opening and maintenance. The bank is suitable for those who work in retail - you can inexpensively connect acquiring and install an online cash desk.
The bank is present in many cities throughout Russia - Moscow, Yekaterinburg, Voronezh, Perm, Ufa and others. In Siberia, he works in Novosibirsk, Omsk and Tyumen.
An account with MTS Bank is suitable for a small individual entrepreneur.
The account is quickly issued at the bank branch.
The bank provides all the necessary services for small businesses.
MTS Bank maintains a sufficient level of reliability.
You can manage your account through a convenient Internet bank.
- Cost per month 1% of all receipts to the account
- Opening cost is free
- Payment order cost is free
- Transfers to an individual up to 1,000,000 rubles - free of charge, then - from 10%
- Internet banking there is
- SMS informing 180 rubles per month
- App for iOS there is
- Internet banking login login and password, USB key
- Cash withdrawal up to 1,000,000 rubles - free of charge, further - 10%
- Invoicing at the bank branch
- Bonuses when opening an account No
Advantages
- Free account opening and maintenance
- Free payment orders
Flaws
- All admissions are subject to a fee.
- Large commissions for cash withdrawals
6th place. Ural Bank for Reconstruction and Development. Tariff "Comfort"
6th place
A large Ural bank, one of the most popular in its region. It serves different categories of clients - from individuals to large businesses. For start-up entrepreneurs, UBRD offers a tariff with an optimal ratio of the cost of maintenance and available services. It may not be suitable for a novice businessman, but for a growing individual entrepreneur it may be quite convenient.
The bank has a large network of branches in the Urals and Siberia. In the European part of Russia, he works in Moscow, St. Petersburg, Ufa, Volgograd, Kazan and other large cities.
UBRD is suitable for an entrepreneur with growing turnover.
An account can be opened without a visit to the bank.
Bank customers have access to all necessary services.
One of the most reliable Ural banks.
Internet banking does not require the issuance of a digital key.
- Cost per month 1 310 rubles
- Opening cost is free
- Payment order cost 30 rubles
- Transfers to an individual up to 150,000 rubles - free of charge, then - from 0.5%
- Internet banking yes (support for new browsers, including Safari for Mac)
- SMS informing 190 rubles
- App for iOS No
- Internet banking login login with password or USB key
- Cash withdrawal from 1.3 to 7.5%
- Additionally at this rate, payments are made the next day
- Invoicing online with a specialist visit
- Bonuses when opening an account No
Advantages
- Opening an account during the day
- Merchant acquiring with low commission
- Online cash desks corresponding to 54-FZ
Flaws
- Expensive service per month
7th place. Tinkoff Business. Tariff "Basic"
7th place
New product for entrepreneurs famous bank. You don’t have to go anywhere to open a current account - the manager will come to your office with documents and bank card. Service conditions are quite comfortable for an individual entrepreneur.
Like Tochka, Tinkoff operates in almost all Russian cities.
The conditions in Tinkoff are quite convenient for individual entrepreneurs.
The account is issued completely online.
Tinkoff is a fairly reliable online bank.
All account transactions are carried out online.
- Cost per month 490 rubles (2 months free for new customers, 3 months for customers of closed banks)
- Opening cost is free
- Payment order cost 3 payments free of charge, then - 49 rubles, unlimited when connecting the "Interbank - no commission" package (490 rubles per month)
- Transfers to an individual from 1.5 to 15%, for personal Tinkoff card Black - free
- Internet banking yes, free (support for new browsers, including Safari for Mac)
- App for iOS there is
- Internet banking login login with password and confirmation code from SMS
- Cash withdrawal from 1.5% to 10%
- Interest on account balance 4% per annum
- Invoicing online with a specialist visit
- Bonuses when opening an account Assistance in promotion in Yandex.Direct, myTagret, Google AdWords and Youtube, 3 months. free use of the Elba and My Business service, 45 days of using "1C: Entrepreneur" for free
Advantages
- Interest on account balance
- Account details after application
- Loans, guarantees and overdraft for business
- Various types of acquiring
Flaws
- Expensive payment orders
8th place. Sberbank. Tariff "Easy start"
8th place
The largest bank in the country offers a variety of services to small, medium and large businesses. He quickly opens accounts without visiting branches according to the minimum package of documents. The Easy Start tariff is completely free to open and maintain an account, but offers expensive payment orders. It is suitable for a beginner IP with small turnovers.
Sberbank operates in all regions of Russia except Crimea. You can open an account in it in any large, medium or small city.
The conditions in Tinkoff are suitable for a small individual entrepreneur.
The account is drawn up at a bank branch.
Sberbank offers businesses everything they need.
The largest and most reliable bank in the country.
You can manage your account through a convenient Internet bank
- Cost per month is free
- Opening cost is free
- Payment order cost the first three are free, then - 199 rubles
- Transfers to an individual up to 150,000 rubles - free of charge, then - from 1%
- Internet banking yes, free
- SMS informing 199 rubles per month
- App for iOS there is
- Internet banking login login and password or USB key
- Cash withdrawal from 1.8%
- Invoicing online with the visit of a specialist or at a bank branch
- Bonuses when opening an account Assistance in promotion in Yandex.Direct, myTagret and VKontakte; 30 days of posting a vacancy on hh.ru and 7 days of access to the resume database as a gift; free year of access to 1C: Business Start; Free CRM FreshOffice
Advantages
- Assistance in registering a business
- Credit and debit business cards
- You can buy or rent an online cash register
- Own system for checking counterparties
Flaws
- Expensive payment orders
9th place. Case Bank. Tariff "Favorable start"
9th place
The project of Yekaterinburg SKB-Bank is an online bank for small businesses. It offers entrepreneurs a set of popular services - from a current account to online accounting. For beginner entrepreneurs, the bank has a simple tariff with free opening and maintenance. The disadvantage can be called very expensive bills.
SKB branches are present in many cities of Russia - from Moscow and Yekaterinburg to Vladivostok and Yakutsk. DeloBank services are available in all regions of presence.
DeloBank is more suitable for a beginner individual entrepreneur.
You can open an account without visiting a bank.
DeloBank offers the entrepreneur everything they need.
SKB maintains a high level of reliability.
- Cost per month is free
- Opening cost is free
- Payment order cost 87 rubles
- Transfers to an individual up to 50,999 rubles - free of charge, then - from 1%
- Internet banking yes (support for new browsers, including Safari for Mac)
- SMS informing is free
- App for iOS there is
- Internet banking login login and password or USB key
- Cash withdrawal by corporate card - from 2%
- Additionally online accounting - from 5,800 rubles per year
- Invoicing online with a specialist visit
- Bonuses when opening an account No
Advantages
- Free account opening and maintenance
- Free corporate cards
- Built-in online accounting
- Free personal and salary cards
Flaws
- Expensive payment orders
10th place. ForBank. Tariff "Initial"
10th place
A bank from Moscow, which is gaining popularity, is actively developing services for small businesses. For individual entrepreneurs ForBank offers an account with free maintenance, built-in accounting and a variety of business services. Another interesting offer is a corporate card with a cashback for any expenses paid to it.
Entrepreneurs from Moscow, Smolensk, Novosibirsk, Barnaul, Krasnodar, Khabarovsk and 45 other cities can open a current account with ForBank.
A free current account is available at ForBank.
The account is quickly issued without a visit to the bank.
The bank offers a variety of services to small businesses.
ForBank maintains a sufficient level of reliability.
Online accounting is built into the Internet bank.
- Cost per month is free
- Opening cost is free
- Payment order cost 75 rubles
- Transfers to an individual free of charge up to 100,000 rubles to an account in ForBank, to other banks - from 1%
- Internet banking yes (support for new browsers, including Safari for Mac)
- SMS informing 250 rubles per month
- App for iOS there is
- Internet banking login login and password along with a USB key
- is free
- Cash withdrawal from 1.5%
- Additionally online accounting - from 650 rubles per month
- Invoicing online with a specialist visit
- Bonuses when opening an account No
Advantages
- Free account maintenance
- Built-in online accounting
- Free business card with 1.5% cashback
- Assistance in registering a business
Flaws
- This tariff does not include operations with foreign currency
11th place. Sovcombank. Tariff "Start"
11th place
Sovcombank - big bank, which became popular due to offers for pensioners and the Halva installment card. He also actively serves small businesses. An account at Sovcombank is quickly opened with a passport. The starting plan includes free service and low-cost payments.
There are branches of Sovcombank in almost all major cities of the country - from Moscow and St. Petersburg to Yakutsk and Khabarovsk. You can open an account at any of these branches.
An account with Sovcombank is suitable for a novice entrepreneur.
To open an account, you only need a passport.
The bank offers entrepreneurs a variety of services.
One of the largest private banks in the country.
Free Internet banking is available to customers.
- Cost per month is free
- Opening cost is free
- Payment order cost 50 rubles
- Transfers to an individual salary - 1%, other - from 1.4%
- Internet banking yes, free. Support for all browsers on any device (tablet, laptop, computer, or phone) without a dongle
- SMS informing is free
- App for iOS there is
- Internet banking login login and password along with SMS confirmation
- Cash withdrawal up to 50,000 rubles - free of charge, then - from 2.5%
- Servicing and issuing a corporate card standard - 500 rubles per year, Halva - 1,999 rubles per year
- Invoicing online with the visit of a specialist or at a bank branch
- Bonuses when opening an account No
Advantages
- Free account opening and maintenance
- Issuance of Halva cards in salary project
- Overdraft up to 10,000 rubles when opening an account
- Various types of acquiring and online cash registers
Flaws
- High fees for cash transactions
12th place. Development-Capital. Tariff "Transformer"
12th place
A small Moscow bank that actively serves small and medium-sized businesses. A current account at Razvitie-Capital Bank will be of interest mainly because of inexpensive services and payments - this will help the entrepreneur save money. You can connect additional services to the account, but then it will start to be serviced more expensively.
Bank Development-Capital works only in Moscow. He does not plan to go to other regions.
The bank is suitable for a newly registered IP.
An account can be opened without visiting a bank.
The bank offers small businesses all the necessary services.