Where is the best checking account? How to choose a bank for IP and LLC
An entrepreneur will not be able to develop a business operating only in cash - he will have to open a bank account for an individual entrepreneur. This will significantly expand the number of counterparties, control cash receipts and write-offs, as well as get a lot of customers who prefer to pay by card. There is another reason: the limit on cash transactions under one contract is only 100,000 rubles. Below we will describe in detail how to open a current account for an individual entrepreneur in 2019.
How to choose a bank for IP
An IP settlement account is not just a tool for working with cash, but also an indicator of the seriousness of the business. The funds involved in the business pass through the account, and this is not the personal money of an individual. They can become such only if the individual entrepreneur withdraws them from the account or transfers them to the card of an individual marked “for personal needs”.
When choosing a bank for IP, the following points are important.
- Distance from place of work. Do you plan to make money transfers with ordinary paper payments, regularly collect statements and hand over cash? Then you need to pick up a bank in the immediate vicinity of the workplace or on the way from home to work.
- Operating mode. The longer the working day in the bank, the better. For Internet banking customers, this nuance is also important - all transactions, even electronic ones, are carried out strictly during bank business hours.
- Availability of internet service. The most convenient bank for individual entrepreneurs is electronic. No need to run anywhere with payments and constantly call the teller with a request to check receipts. It is enough to open the desired page on your computer and regularly update it at any time and from anywhere. Some banks offer mobile versions online banking for tablets and smartphones.
- Additional business tools. As part of the Internet service, large banks offer built-in consulting products - generating payments, checking counterparties, obtaining statements, certificates, reconciliations, etc.
- Convenient tariff plan. You can profitably open a bank account for individual entrepreneurs by comparing offers and choosing the minimum tariff. But be sure to check what is behind it. Banks charge a fee for opening an account and for its monthly maintenance. Free opening often means not the cheapest rates, as well as a special offer with free maintenance for the first 1-2 or 3 months. Estimate in advance how much your monthly service will cost after the grace period.
A bank for an individual entrepreneur must have a reliable reputation, a high rating, be included in the register of the Central Bank of the Russian Federation and be a member of the deposit insurance system. According to analysts, Alfa-Bank, Tinkoff, Promsvyazbank, Modulbank, Tochka meet these criteria in 2019. They offer the most favorable terms of cooperation for entrepreneurs.
Are you going to open a checking account? Open a checking account in reliable bank- Alfa-Bank and get for free:
- free account opening
- first foreign currency account
- certification of documents
- Internet bank
- and much more
What fees does the bank charge from the account holder?
In addition to the fee for opening an account, its owner needs to be prepared for the following payments.
- Monthly service. In some banks, it is tied to the number of transactions. In their absence, payment may not be charged. But each bank has its own rules, which you should familiarize yourself with in advance.
- Connecting a remote service. Payment for Internet banking services is either included in monthly payment or charged separately.
- Regular remote maintenance. It is not enough to pay for connecting to the service, you will have to pay for its use, because the system is constantly updated, new tools and features are added.
- Making payments. Not all banks have a commission for each payment; there are package offers with a fixed number of free transactions.
- Cash withdrawal. You will have to pay for each withdrawal established by the bank percentage or agreed amount.
Assessing where to open a current account for the business needs of an individual entrepreneur, calculate all payments. It may turn out that in a bank with the minimum fee or charging nothing at all for opening an account, high service fees and providing remote services.
What you need to open a bank account for an individual entrepreneur
Opening a bank account for individual entrepreneurs is possible only upon application. Attached are copies of the following documents:
- passport - all pages;
- a certificate of registration as an individual entrepreneur or a USRIP record sheet;
- certificate of tax registration;
- notification from Rosstat with statistics codes.
- license (if any).
The application itself is filled out on the letterhead of the bank - each has its own. After collecting the above package, go to the selected credit institution.
What documents are issued when opening an account
Contact a consultant with a question about how to open a current account for an individual entrepreneur and say that you have the entire package of documents with you. You will be taken to an Entrepreneurial Specialist. The following paperwork is to be completed.
- customer profile;
- agreement on opening a current account for an individual entrepreneur;
- contract for the maintenance and connection of the Internet service;
- signature card.
All this is done within one day. Usually, the account is ready for work the very next day - the client is given his number, registration is carried out in the online banking system. But it is activated only after payment for the account opening service. Banks charge it differently - some write it off from the first receipt to the account, while others practice cash payment through the cash desk.
The procedure of registration at the bank office takes a lot of time. Booking in advance will help you save money. To do this, just leave an application on the bank's website to open a current account. The manager will contact you, clarify the details and send the forms by e-mail. Having filled them out, they also need to be sent to the manager. After that, the time of the visit to the bank is agreed. By the time the client arrives, everything is ready - all that remains is to solve the issue of payment.
What to do immediately after opening an account
Until May 2014, there was an obligation to notify the Federal Tax Service, the Pension Fund of the Russian Federation and the FSS about the opening and closing of a current account. This was given 7 days. The amendments to Federal Law No. 59 dated April 2, 2014, which entered into force, canceled this obligation. Now banks independently notify the tax, the Pension Fund and social insurance about the opening and closing of an IP settlement account.
To withdraw money for personal needs from the current account of an individual entrepreneur, it is recommended to get a card with the possibility of receiving money transfers. Funds can be transferred to it, indicating in the purpose of the payment “withdrawal of money for personal needs”. The card must belong to the same individual as the current account of the individual entrepreneur.
Hello, friends!
So far, I have introduced you to banking services for individuals, such as loans, cards, and deposits. But one more category of citizens remained uncovered - these are individual entrepreneurs. They are also active clients of banks. In particular, they open accounts for doing business. Where and how to open a current account for individual entrepreneurs? Which bank to choose and whether it is necessary to open a r / s - these questions are the focus of our article today.
Regulations give an unequivocal answer to this question - no, they are not required. But do not rush to close the article if you are an individual entrepreneur. Have you provided for all the nuances of cash payment? Let's take a look at some of them:
- Under one agreement, an individual entrepreneur can deal with cash only in the amount of not more than 100 thousand rubles. If the contract is concluded for an amount exceeding the limit, the individual entrepreneur is obliged to pay by bank transfer. Even if there is a staged payment. Of course, you can agree on a smaller amount or break one contract into several. But are you sure that you will not be thrown and in general there will be those who want to work according to this principle?
- You limit your circle of companies for cooperation. Serious individual entrepreneurs and legal entities will not agree to work on the terms of payment in cash.
- You will not be able to participate in public procurement tenders.
- You will only be able to sell your products and services to customers who pay in cash. But every year there are less and less of them. Debit and credit cards, online payments through e-wallets are taking their toll and conquering the cash market.
- You reduce your efficiency and mobility. With a current account, you can manage your business from anywhere.
And one moment. It is related to security. Do you work with cash? Then take precautions so as not to lose the money you earn.
In any case, each individual entrepreneur makes his own decision. First of all, it proceeds from business turnover, prospects for its development and existing agreements with partners. You can open an account at any time when you feel the negative impact of cash restrictions.
Bank selection criteria
If the question of whether or not to open an account does not arise before you, then we turn to the choice. Where is the best place to do this, how fast is the procedure and how much does it cost to open and maintain?
The first thing I want to consider is the criteria for choosing a bank. What to look for:
- Reliability
This criterion is very important for individual entrepreneurs, because amounts up to 1.4 million rubles. are insured by the state and will be paid to the entrepreneur in case of bankruptcy or revocation of the license from the bank. I wrote about this in more detail when I considered questions.
You can argue that for a business this amount is negligible. It's hard for me to judge, I'm not a businessman. But my entrepreneurial friends who were hit by the failure of a major top 100 bank don't see it that way. They have two businesses. One is registered as an LLC, and the other is registered as an individual entrepreneur. The money could only be returned to the IP account.
We return to the criterion of reliability. Choose a bank that is a member of the deposit insurance program. If the amounts for current account large, that is, it makes sense to use the services of large banks from the top 10.
- Opening and monthly maintenance cost
We will consider the conditions and tariffs in more detail in the section devoted to the analysis of bank offers for individual entrepreneurs. But here I note that there are many offers for free account opening for entrepreneurs.
- Fees for conducting operations on the account.
- Availability mobile application with the ability to easily manage your account from anywhere in the world.
- Additional chips. For example, the accrual of interest on the account on the balance of funds.
This list is not exhaustive, but other criteria are more subjective. Based on the considered factors, we will analyze the proposals for the 5 most popular banks. Let's take a closer look at the rates and conditions.
Why these 5 banks? There are many ratings on the network on various sites. None is objective and generally accepted. Therefore, I took the path of least resistance and chose banks that are found in all ratings in one place or another in the top ten. So my list includes:
- Tinkoff Bank,
- Sberbank,
- Dot,
- Alfa Bank,
- ModulBank.
I'm not going to rank in any way. You will do it yourself according to the degree of compliance of the features of your business with the proposed conditions. According to the first criterion - reliability, all banks are members of the deposit insurance program. Therefore, amounts within 1.4 million rubles. protected by the state. Let's go over the rest of the criteria in more detail.
Account opening documents
The main documents that the bank may require when you apply for opening an account:
- The document proving the identity of the entrepreneur.
- Information about you in a special questionnaire in the form of a bank.
- Extract from the United state register individual entrepreneurs (EGRIP).
- Certificate of registration with the tax authority.
- Licenses and patents, if you need them to run your business.
- Other documents on request. A complete list is better to check directly with the bank.
Copies required documents certifies either a notary or the bank directly.
Offers of banks for individual entrepreneurs to open an account
Tinkoff Bank
General terms:
- Opening an account online in 1 day. Bank details are sent on the same day.
- Payments for settlement accounts in Tinkoff Bank are sent instantly around the clock. To accounts in other banks from 01:00 am to 20:00 Moscow time.
- Accrual of interest on the account balance (up to 6%, depends on the tariff).
- AT personal account invoices to the tax office are formed quarterly, Pension Fund and mandatory contributions health insurance, the bank sends the declaration to the tax office.
- Integration with 1C accounting, Contour, Button, My business and Fingeroo.
- On the "Simple" tariff, the first 6 months from the date of registration of the IP - free service. On other tariffs - the first 2 months.
Offers 3 rates. Detailed terms presented in the table.
Rates and conditions | Simple | Advanced | Professional |
Account opening | For free | ||
Accrual of % on the balance if there are transactions on the account for the month | 4 % | 6 % | Up to 6% (depending on the amount of the balance) |
Monthly maintenance of the ruble account (after the free period) | 490 rub. (when paying for 1 month) 4 900 rub. (when paying for 12 months) Free of charge (when paying for purchases in the amount of 50,000 rubles or more) | 1 990 rub. (when paying for 1 month) 19 900 rub. (when paying for 12 months) Free of charge (when paying for purchases in the amount of 200,000 rubles or more) | 4 990 rub. (when paying for 1 month) 49,900 rubles. (when paying for 12 months) |
Monthly currency account maintenance | For free | ||
Transfer fees | |||
Intrabank, tax and budgetary payments | For free | ||
External in rubles | The first 3 are free. Subsequent - 49 rubles. | The first 10 are free. Subsequent - 29 rubles. | 19 rub. |
External in currency | 0.2% of the transfer amount, not less than 49 US dollars, euros, pounds sterling | 0.15% of the transfer amount, not less than 29 US dollars, euros, pounds sterling | 0.15% of the transfer amount, not less than 19 and not more than 99 US dollars, euros, pounds sterling |
To individuals' accounts | Up to 400,000 rubles. - 1.5% + 99 rubles. From 400 000 rub. up to 1,000,000 rubles - 5% + 99 rubles. Over 1,000,000 rubles - 15% + 99 rubles. | Up to 400,000 rubles. - 1% + 79 rubles. From 400 000 rub. up to 2,000,000 rubles - 5% + 79 rubles. Over 2,000,000 rubles - 15% + 79 rubles. | Up to 800,000 rubles. - 1% + 59 rubles. From 800 000 rub. up to 2,000,000 rubles - 5% + 59 rubles. Over 2,000,000 rubles - 15% + 59 rubles. |
Activation of the service package “Interbanks – no commission” | 490 rub. per month or 4,900 rubles. in year | 990 rub. or 9,900 rubles. in year | 1 990 rub. or 19,900 rubles. in year |
Activation of the package of services “For individuals without commission” | Not | 2 990 rub. or 29,900 rubles. in year | 4 990 rub. or 49,900 rubles. in year |
There are gifts from partners.
Sberbank
Offers 5 rates.
More detailed conditions are presented in the table.
For new customers there are bonuses from partners.
Bank Tochka
It positions itself as a bank for individual entrepreneurs and LLCs. Offers:
- opening an account in 1 hour in any convenient place and at any convenient time;
- do not pay a monthly fee if there is no movement on the account;
- built-in accounting that calculates taxes, insurance premiums, generate and send a declaration to the tax office;
- integration with any other online accounting;
- bonuses from partners.
There are 3 rates to choose from.
Alfa Bank
General conditions for IP:
- transfers to partners from 01:00 to 19:50, Alfa-Bank clients - around the clock;
- free service in the absence of account turnover;
- free built-in online accounting;
- up to 3% per annum on the balance;
- gifts from bank partners.
Offers 5 rates. More details in the table.
ModulBank
General terms:
- payments and transfers from 01:00 to 20:45, internal transfers - around the clock;
- you can invite a manager to open an account at any time and place;
- for money that the company does not plan to use, a deposit is available at 7% per annum;
- to open an account, you only need a passport, the bank looks for all other information on its own;
- accrual of up to 5% on the balance, calculated from the average daily amount;
- round the clock support.
Offers 3 rates.
Conclusion
If you notice, then I did not express my own judgments about where it is more profitable for you to open an account. There are several reasons for this:
- I am not an individual entrepreneur yet, so I do not have the right to advise you on how and with whom to do business.
- There are too many subjective factors that influence the choice: business volumes, personal preferences, regional component, past negative experience, etc.
There are many entrepreneurs among my friends. And each of them chose a bank according to completely different criteria. For example, those who lost several hundred thousand rubles of their LLC in the bank when the license was revoked by the Central Bank now work only with large banks from the top 5. And this is provided that the funds on the IP accounts are insured by the state. As the saying goes, "burnt on milk, you blow on water."
And finally, let me give you one piece of advice. Be sure to check the relevance of tariffs and conditions at the time of choosing a bank. They are changing at a rapid pace.
The development of business entails the need to switch to cashless payments. At first glance, opening a current account for an individual entrepreneur is easy and simple. However, this procedure must be approached with great responsibility, because the right choice of a partner bank becomes the key to the smooth and successful functioning of the enterprise.
What is a personal account and what is it for?
A current account is an account of a legal entity used to store Money, as well as for the performance of operations related to the conduct of activities by an individual entrepreneur. In other words, the current account becomes a tool that allows the organization to carry out full-fledged work, namely:
- make transactions for large amounts;
- participate in tenders;
- make public purchases;
- engage in wholesale trade, etc.
So, in order to decide on the need for a current account individual entrepreneur you need to know what benefits your own bank account gives your business, allowing you to:
- Sign contracts for more than 100,000 rubles. The fact is that the Central Bank of the Russian Federation sets a limit on the contrary for cash under an agreement with one counterparty, therefore, for large cash transactions, several agreements have to be concluded;
- Accept cashless payments from customers or partners;
- Make settlements with suppliers of goods and services at any time, anywhere. There are many applications that allow you to run your business using a laptop, tablet or smartphone, which greatly simplifies the process of settlement with counterparties, as well as paying contributions to the fund. social insurance and pension;
- List wages on the bank cards employees.
The procedure for opening a account with an individual entrepreneur does not differ much from a similar procedure for individuals and is the following algorithm of actions:
- Selection of a partner bank. Before submitting documents for registration of a cash account, an entrepreneur needs to analyze the conditions and tariffs of the most popular organizations that carry out settlement and cash transactions in order to choose the best option.
- Collection required package documents. As a rule, this list is approximately the same for all institutions, and additional securities are reported directly on the bank's website.
- Applying for an account at a bank branch or online, through a free application or on the official website.
- A visit to the RKO to fill in all the necessary forms and sign a contract for servicing an individual entrepreneur.
IMPORTANT! A current account becomes a profitable tool for an entrepreneur, provided that the partner bank and the tariff for maintaining the account are chosen correctly.
Is an individual entrepreneur required to have a checking account?
The current legislation does not oblige individual entrepreneurs to have a bank account. So, the business owner has the right to refuse cashless payments in retail or in the performance of any services. In some cases, individual entrepreneurs use a personal account for settlement transactions, which can lead to problems with the Federal Tax Service.
So, an entrepreneur can register a current account on his own initiative or as needed. The state does not oblige small businesses to conduct cashless payments, however, in some situations it is more profitable for the individual entrepreneur to have a personal bank account.
Documents required to open a current account in 2019
To open a bank account, an entrepreneur needs the following documents:
- Written statement from the business owner. As a rule, its form is posted on the official website of the credit institution, and you can fill it out both by hand and in printed form.
- Application form.
- Passport (and its notarized copy) of the entrepreneur, as well as persons who will have permission to make transactions on the account.
- Extract (and its copy) from USRIP.
- Certificate of registration with ROSSTAT (and its notarized copy).
- Permits issued to the entrepreneur to carry out activities.
- Copy balance sheet for the last reporting period.
- A card with an imprint of a seal and signatures of persons entitled to carry out operations on the account.
The above list is not exhaustive and depends on the requirements of the partner bank. For example, in some cases, an individual entrepreneur may require a certificate of no debt on or other contributions.
Currency current account
Individual entrepreneurs doing business with foreign counterparties have the right to open a foreign currency current account for doing small business. These accounts have their own peculiarity: they consist of transit and current accounts. So, funds from the payer are initially received at the first, and become available to the entrepreneur only after all the checks.
IMPORTANT! Ownership currency account can bring a lot of problems, expressed in fines for late payments and incorrect filling out of documents.
Where is the best place to open a bank account in 2019?
When looking for a suitable bank, an individual entrepreneur should pay special attention to the reputation of a credit institution, as well as the duration of its work. In addition, when choosing a partner, a small business owner needs to study in detail criteria such as:
- The cost of registration r / s. As a rule, a bank account is opened either free of charge or with a one-time commission of a fixed amount.
- Annual account maintenance fee. The account maintenance fee can be charged either monthly or once a year.
- The currency with which the banking organization works.
- A fee charged for depositing and withdrawing funds, as well as making settlement transactions. The commission for account transactions can be both relative (a certain percentage of the amount) and absolute ( fixed amount for a particular transaction).
- Availability of remote access to the account through an online application or on the official website. A rather important criterion that allows an individual entrepreneur to manage his account around the clock, from anywhere.
- . A convenient service that allows a small business owner to save from 10,000 rubles per month.
- An increased level of security of funds stored on accounts.
- Extended payment day.
- Existence of the developed network of branches in the region.
So, where is it more profitable to open an account for an individual entrepreneur in 2019? Small business owners should look for organizations that offer the most favorable rates for small business.
Sberbank
The Easy Start package from Sberbank offers small business owners the following conditions for opening and maintaining a cash account:
For start-up sole proprietorships and medium-sized enterprises, Alfa Bank offers a budget account with fast clearance under the following conditions:
The cost of registration r / s | For free |
Instantly |
|
Service | 490 rubles |
payment | |
Internet banking | 990 rubles |
Mobile bank | |
Cash acceptance | 0.28% of the amount |
Cash withdrawal | From 2.2% to 10% |
Acquiring | 1.69% of the amount, equipment rental 1499 rubles per month |
Payroll project | |
Foreign currency account | Opening for free |
Currency control | Minimum 250 rubles |
In addition to additional options for new partners, Alfa Bank offers bonuses such as:
- 9000 rubles for advertising in Yandex Direct;
- 3000 rubles for advertising in Google services;
- doubling the advertising budget social networks;
- assistance in the selection of personnel on the site hh.ru;
- subscription for semi-annual access to Bitrix24.
The disadvantages of the organization include a small number of ATMs, as well as the lack of bank branches in many cities, which greatly complicates doing business.
Tinkoff
The procedure for opening a bank account in bank Tinkoff has its own characteristics: absolutely all bank products are issued online or with the help of mobile specialists. Thus, for paperwork, the business owner does not need to spend time visiting the branch and waiting for his turn. As far as tariffs are concerned, this organization offers its partners the following conditions:
As bonuses, Tinkoff offers entrepreneurs free account maintenance for the first two months, as well as up to 80,000 rubles for advertising in Yandex Direct, Google. In addition, keeping funds on a bank account can be a profitable investment, since the bank offers up to 6% on the account balance.
Tinkoff Bank - Best Bank for business
Open a current account for sole proprietorship
Raiffeisenbank
For individual entrepreneurs starting their activities, Raiffeisenbank offers a Start package on the following terms:
Like Tinkoff, Raiffeisenbank provides its partners with the services of field specialists who complete the necessary documents at a convenient time for the entrepreneur. In addition, a commercial organization carries out an overdraft in the amount of up to 1,500,000 rubles.
Sovcombank
A large bank with a developed network of branches offers not only account management, but also assistance in registering individual entrepreneurs and, which is very convenient for starting businessmen. An entrepreneur can open a current account with Sovcombank on the following conditions:
The cost of registration r / s | For free |
Account registration deadlines | From 1 business day |
Service | 650 rubles |
payment | |
Internet banking | |
Mobile bank | |
Cash acceptance | 0.09% of the amount |
Cash withdrawal | From 1.9% to 15% |
Acquiring | From 1.8% of the amount, equipment rental 980 rubles per month |
Payroll project | From 250 rubles, registration up to 1 day |
Foreign currency account | Opening for free |
Currency control | 0.14% Minimum 150 rubles |
In addition, Sovcombank's partners can count on guarantees when participating in purchases, an overdraft, and additional services for companies specializing in foreign economic activity. The disadvantages of the organization include the fact that the network of bank branches is regional in nature.
Rosselkhozbank
Rosselkhozbank specializes not only in servicing agricultural enterprises; for small business owners, organizations offer the following conditions for registering and maintaining an account:
Cost of opening account | 2200 rubles |
Account registration deadlines | 2-3 working days |
Service | 600 rubles |
payment | |
Internet banking | 2000 rubles |
Mobile bank | |
Cash acceptance | 0.30% of the amount |
Cash withdrawal | From 0.5% to 10% |
Acquiring | 1.9% of the amount |
Payroll project | From 200 rubles, registration up to 1 day |
Foreign currency account | |
Currency control | 0.15% Minimum 500 rubles |
Additional services of the bank include support for currency transactions, insurance of the organization's property, easy-to-use Internet banking that interacts with the 1C program.
Dot
A bank specializing in servicing entrepreneurs offers a variety of tariffs for organizations of various levels. So, the Golden Mean package offers the opening and maintenance of a cash account on the following conditions:
Cost of opening account | 0 rubles |
Account registration deadlines | 1 working day |
Service | 500 rubles |
payment | 60 rubles |
Internet banking | 0 rubles |
Mobile bank | |
Cash acceptance | For free |
Cash withdrawal | |
Acquiring | 2.3% of the amount, equipment rental from 2,000 to 12,000 rubles |
Payroll project | Free, registration up to 1 day |
Foreign currency account | Opening for free |
Currency control | 0.15% Minimum 350 rubles |
As a bonus when opening an account, business owners have access to 50,000 rubles for advertising on social networks, 10,000 for Yandex Direct, 3,000 for Google services. In addition, the bank offers services for maintaining accounting for entrepreneurs working on a simplified taxation system.
Vanguard
A bank that offers fairly favorable rates for representatives of small and medium-sized businesses, on the following conditions:
Cost of opening account | From 1000 rubles (online) to 3000 rubles |
Account registration deadlines | 1 working day |
Service | 900 rubles |
payment | 25 rubles |
Internet banking | 0 rubles |
Mobile bank | |
Cash acceptance | For free |
Cash withdrawal | From 0.5% to 10% |
Acquiring | From 1.9% of the amount, equipment rental from 2000 rubles |
Payroll project | Free, registration up to 1 day |
Foreign currency account | Opening for free |
Currency control | 0.075% (minimum 400 rubles) |
A feature of this credit institution is the possibility of making transactions on the account 7 days a week, seven days a week. The presence of offices in 75 cities of the Russian Federation allows servicing a large flow of customers, however, the use of bank services is not very convenient for residents of small towns.
Comparison tariff plans the largest and most popular banks gave the following results:
- Opening a bank account will cost an entrepreneur dearly only in Rosselkhozbank and Avangard Bank (2200 - 3000 rubles). In the rest credit institutions an account is free.
- The terms of registration in the banks in question are also pleasing: the maximum registration time is 4 days (Raiffeisenbank), in other banks the current account will be opened on the day of application.
- Raiffeisenbank offers the most expensive account maintenance to its customers, while Sberbank maintains accounts for start-up entrepreneurs for free.
- The minimum cost of a payment of 25 rubles is offered by several banks at once: Avangard, Sovcombank, Raiffeisenbank, while the maximum (100 rubles) is set by Sberbank.
- The most expensive Internet banking at 2,000 rubles is installed in the Russian Agricultural Bank. In Sberbank, Tochka and Avangard, this service is free for entrepreneurs.
- The maximum commission for accepting cash is set by the Russian Agricultural Bank, in other organizations the rate is much lower or equal to 0.
- It is most profitable to withdraw cash at the Point (commission is either absent or does not exceed 3%).
- The most expensive acquiring offers its customers bank Tinkoff, I demand a minimum of 2.3% of the amount of payments with rent of 7990 rubles.
- It is more profitable to maintain a foreign currency account at Sovcombank, which issues minimum commission at 0.14% or 150 rubles.
The choice of a partner bank directly depends on the monthly turnover of the IP, as well as on the goals of its activities. Based on the totality of all criteria, the most favorable conditions Sovcombank differs, the main drawback of which is a small number of offices. The most expensive account for an entrepreneur is doing business with the Russian Agricultural Bank, which offers many additional services to their clients.
An enterprise, if it works and pays taxes, cannot fulfill the obligations of a taxpayer without a current account. The reason is the requirement of Article 45(3) of the Russian Tax Code. According to this norm, the obligation to pay tax is considered fulfilled from the moment the order for transfer to the budget is presented. If the company, after registration, has not yet begun real activities, and there is no taxable property on the balance sheet, then for some time you can do without a visit to the bank. But sooner or later, the head of the company will face the question - in which bank to open a current account for an LLC?
We list the criteria that potential customers consider important when opening a current account:
- popularity of the credit institution in the financial market;
- a wide network of branches and departments;
- the speed of execution of the contract and other documents (ideally - in 1 day or visit);
- favorable service rates;
- convenient and understandable online banking interface;
- transaction speed;
- customer focus.
Undoubtedly, all this is important for the convenience of cashless payments. But when deciding in which bank it is better to open an account for an organization, it is necessary to pay attention first of all to its reliability and stable financial position.
If the bank in which LLC accounts are opened, then the legal entity will be in a more difficult position than the individual entrepreneur. Since 2014, individual entrepreneurs, like banking clients, are equivalent to ordinary individuals. This means that they are covered by a guarantee of the return of funds in the current account in the amount of no more than 1.4 million rubles. LLC is classified as a third priority creditor, so the money will be returned only after the claims of the first and second priority creditors are satisfied. Certainly there is high risk that payments will not reach legal entities.
Will you care about the speed of opening an account or the courtesy of bank staff if credit rating bank is critically low, and the risk of license revocation is high?
How to assess the financial condition of a bank
All credit institutions are required to openly publish information about their activities. On the website of the Central Bank, the reports of banks are freely available: on financial and tax results, the amount of capital, compliance with mandatory standards.
But although the information is open, it is quite difficult to understand it without special education. When choosing where to open a current account for a company, you can refer to the ratings that are compiled by independent professional agencies:
- international (S&P Global Ratings, Moody's, Fitch Ratings);
- Russian (Rus-Rating, Expert RA, NRA, AK&M).
When choosing organizations to open a current account for an LLC, we focused on three important criteria:
- Net assets (in rubles). This is the amount equity bank and liabilities (money of customers-individuals and legal entities, interbank loans and other borrowed funds).
- Creditworthiness. This is the ability of the bank to issue loans for short and long periods, taking into account interest rate, target direction and conditions for issuing loans. Credit score different rating agencies evaluated on their own scale. Most often, the rating is denoted by the Latin letters A, B, C, D with the addition of the signs "+" and "-" and the forecast (negative or stable).
- Funds of enterprises (in rubles). The higher the degree of trust on the part of the business to a certain banking institution, the more own money is placed in it by legal entities and individual entrepreneurs. This is a kind of voting with the ruble on the question of where to open a bank account.
The best Russian banks
From the top 30 Russian banks, according to the version of the banki.ru portal, we have selected 5 credit institutions that, in our opinion, are best suited for opening an LLC account.
Alfa Bank. Provides a full range banking services for all categories of clients, but is especially loyal to small businesses that are just starting their business. For them, even a special tariff plan "StartUp" has been developed with free registration of an LLC account and cards with sample signatures. When paying for banking services in advance, you can save from 17% to 25% of the cost of tariffs.
Opening. According to banki.ru, it was recognized as the "Bank of 2015". As part of the loyalty program for users, 1C-Start offers to open a bank account for LLC for free. The first three months of servicing and using online banking will also be free. If we also add partner bonuses here, then this financial corporation can be called number one in the category “Where is it more profitable to open a bank account”.
Sberbank of Russia.If in the question of which bank to choose for an enterprise, you are primarily guided by the size of assets, then the leader, of course, will be Sberbank. This is the largest credit institution in Russia and the CIS, with the most extensive network of branches and divisions. fifty% authorized capital Sberbank plus one voting share is owned by the Central Bank of the Russian Federation. Last years management joint-stock company is actively working to improve customer service. Positive customer feedback allowed Sberbank to receive the title of institution with the best customer support in 2015 according to banki.ru.
VTB. Another bank with state participation. Consistently included in the TOP-5 banks of Russia in all significant criteria. For business representatives involved in public procurement, it provides guarantees to secure obligations under contracts.
Tinkoff Bank. Ranked first in the Business Banking Fees Rank 2017 in terms of the cost of servicing a small business and first in terms of the cost of servicing a B2B service. Second place in the independent national rating of banks on banki.ru in terms of service quality. Ideal for start-up organizations and for all those who are not ready for serious spending on banking service. The cost of tariff plans includes not only maintaining a current account, but also online accounting.
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 the basic services, the tariff also provides promotion of your business on social networks and gives you 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, however, it has slightly more favorable conditions in some respects.
- 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" | For free | For free | For free | Online registration of IP - 2,800 rubles (including state duty) |
Tinkoff, "Simple" | For 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 | For free | For free | First 3 - free, then - 99 rubles | Free transfer of funds to the account of individuals |
Modulbank, "Starting" | For free | For free | 90 rubles | Maximum account turnover per month - 1,000,000 rubles |
Alfa Bank, "On the start" | For free | 490 rubles | From 1 to 6 - 45, all subsequent - 150 rubles | Free account maintenance in foreign currency |
Sberbank, Easy Start | For free | For free | 3 free, next 100 rubles | Free corporate cards - credit and debit |
OTP Bank, "Basic" | For free | 2200 rubles | 12 free, next 27 rubles | Convenient tariff for start-up entrepreneurs |
Opening, "Comfort" | For 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" | For free | 850 rubles | 26 rubles | In this tariff, payments are made the next day |
Let's summarize. We dismantled best offers that are on the market for services for small businesses. You can see that almost every tariff is attracted by one or two features that may be important for a certain circle of customers - someone needs cheap payments, someone low commission for cashing money, someone budgetary current account for opening 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.
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