Open an account with no service fee. How to open a current account for an individual entrepreneur
Hello dear readers! It has long been an idea to write a review article about where and in which bank to open a current account for individual entrepreneurs and LLCs and collect in it all the interesting offers on banks providing such a service. Therefore, keep a list of the best, in my opinion, banks for opening a current account. I contacted representatives of banks and received information from most of them.
Criteria for evaluation
I propose to evaluate the banks listed below according to the following criteria in order to determine where it is profitable, safe and convenient to open a current account:
- The cost of opening a checking account.
- Maintenance cost (monthly).
- Account opening time.
- Internet banking (availability and cost).
- Mobile bank (availability and cost).
- SMS-informing (availability and cost);
- Operation day.
- Commission for non-cash payments persons.
- Ability to translate physical persons to ordinary bank cards/accounts (commission).
- Cash withdrawal through ATMs (commission).
- Cash.
- Number of free plastic cards.
- Synchronization with online accounting "My business" and "Elba", etc.
- Interest on account balance.
If you have a suggestion to expand the list of criteria, then write in the comments, we will try. I didn’t manage to fit all the banks into 1 table on the site, so let’s go through all the banks in turn.
List of banks
Important We did , i.e. have tariffs without a monthly subscription fee.
We will divide the list into classic “veteran” banks, and into more modern and technological ones.
The "veterans" include:
- Sberbank.
- Alfa Bank.
- Promsvyazbank.
- Loco-Bank.
To more modern and technological banks:
- Tinkoff.
- Modulbank.
- Point (on the basis of Otkritie and Qiwi banks).
- DeloBank (based on SKB Bank).
- Expert Bank.
If the first group of banks is known to everyone, then the second is still little known, but I will tell you with full responsibility, I would recommend looking in the direction of the second group. Below we will compare and in conclusion we will draw conclusions on where to open a current account for individual entrepreneurs and LLCs is profitable, safe, convenient, etc.
Open a current account in Tinkoff Bank
- Maintenance cost (monthly) - the first 2 months are free, then according to the "Simple" tariffs - 490 rubles. per month, "Advanced" - 990 rubles, "Professional" - 4990 rubles. per month. If there were no account transactions in the month, then for this month - free of charge.
- Terms of opening an account - in 5 minutes you can use it.
- Operating day — from 7:00 to 21:00 Moscow time.
- Commission for non-cash payments persons - according to the tariff "Simple" 3 payments are free, the rest - 49 rubles. per payment, according to the "Advanced" tariff, 10 payments are free, the rest - 29 rubles. per payment, according to the "Professional" tariff - 19 r per payment. Unlimited payments on the "Simple" tariff - 490 rubles, on the "Advanced" - 990 rubles, on the "Professional" - 1990 rubles. per month.
- Ability to translate physical persons to ordinary bank cards / accounts (commission) - yes, to Tinkoff Bank cards without commission.
- Cash withdrawal through ATMs (commission):
- According to the "Simple" tariff: up to 400,000 rubles. - 1.5%, up to 1,000,000 rubles. - 5%, from 1,000,000 - 15%. With each withdrawal, an additional 99 rubles are withdrawn.
- According to the "Advanced" tariff: up to 400,000 rubles. - 1%, up to 2,000,000 rubles. - 5%, from 2,000,000 - 15%. With each withdrawal, an additional 79 rubles are withdrawn.
- According to the "Professional" tariff: up to 800,000 rubles. - 1%, up to 2,000,000 rubles. - 5%, from 2,000,000 rubles. - 15%. With each withdrawal, an additional 59 rubles are withdrawn. - Cash:
- At the tariff "Simple": 0.15%, at least 90 rubles.
- According to the "Advanced" tariff: up to 300,000 rubles. free of charge, from 300 000 rubles. - 0.1%, minimum 79 rubles. , 3 replenishment per month - 990 rubles, per year - 9900 rubles.
- According to the "Professional" tariff up to 1,000,000 rubles. free of charge, from 1,000,000 rubles. - 0.1%, minimum 59 rubles. 5 deposits without commission — 1490 rubles. per month, 14 900 rubles. per year. - Number of free plastic cards - 0 rubles, one corporate and salary cards or two corporate and salary cards, depending on the tariff.
- Interest on account balance - up to 6%.
You can open an account at bank website.
A small withdrawal at the suggestion of the bank. Oleg Tinkov, as always, is on top. It has always been famous for the best service. One of the longest business days, money is transferred instantly, cool mobile app and Internet banking, up to 6% per annum on the account balance, opening without visiting the bank, the first 2 months free of charge, 24/7 phone support, you can withdraw cash from almost any ATM and much more.
Soon there will be features such as a reminder of upcoming taxes, filing reports in government bodies, verification of partners and counterparties, currency payments and friendly currency control, templates for regular payments, etc.
Open a current account in Modulbank
- The cost of opening a current account is free.
- Service cost (monthly) - the first tariff - 0 rubles, the second tariff - 490 rubles, the third tariff - 4500 rubles. per month.
- Internet banking (availability and cost) - yes, free of charge.
- Mobile bank (availability and cost) - yes, free of charge.
- SMS-informing (availability and cost) - yes, free of charge.
- Operating day: 9.00 – 20.30.
- Commission for non-cash payments persons - 90, 19 and 0 rubles. (in the order in which they are listed).
- Ability to translate physical persons to ordinary bank cards / accounts (commission) - yes. For individual entrepreneurs, depending on tariffs: 0.75% up to 300 00 rubles, 19 rubles. up to 500,000 rubles, about r. up to 1,000,000 rubles For LLC, depending on tariffs: 0.75% up to 100,000 rubles, 19 rubles. up to 200,000 rubles, 0 rubles up to 300,000 rubles
- Cash withdrawal through ATMs (commission): from 0 to 20% depending on the withdrawal amount.
- Cash deposit: from 0 to 2.7%.
- The number of free plastic cards is from 1 to 5 depending on the tariffs.
- Synchronization with online accounting "My business" and "Elba", etc. - eat.
bank website.
A small withdrawal at the suggestion of the bank. The bank has a free plan. Modulbank operates on the basis of the Regional Credit Bank, which is over 23 years old, has a convenient mobile application and Internet banking, cash withdrawals to any bank card with low commissions. And, as the representative of the bank stated, all settlement accounts are insured for 1.4 million rubles, which makes one believe in its reliability. By the way, its founder is the former head of business at Sberbank, Yakov Novikov. I don’t see any cons yet, just like Tinkoff Bank.
Open a current account at Tochka bank
- The cost of opening a current account is free.
- Service cost (monthly) - depending on the tariff, from about to 2500 rubles.
- Terms of opening an account - in 5 minutes you can use it, and full registration - 1 day.
- Internet banking (availability and cost) - yes, free of charge.
- Mobile bank (availability and cost) - yes, free of charge.
- SMS-informing (availability and cost) - yes, free of charge.
- Operating day — from 00.00 to 21.00 Moscow time.
- Commission for non-cash payments persons - on a free tariff - payments are free, on the other two 10 and 100 are free, in excess of the package - 60 and 15 rubles.
- Ability to translate physical persons to ordinary bank cards / accounts (commission) - yes.
— Up to 200,000 or up to 500,000 rubles. free of charge depending on the tariffs for individual entrepreneurs.
— Up to 100,000 or up to 300,000 rubles. free of charge depending on tariffs for LLC.
— At the free tariff, transfers are free for individual entrepreneurs and LLCs. - Cash withdrawal through ATMs (commission): on a free tariff - free of charge, on the second tariff up to 50,000 rubles. - 1.5%, over - 3%, at the third tariff - up to 100,000 rubles. free of charge, over - from 1.5 to 3% depending on the amount.
- Cash deposit: at a free rate - up to 300,000 rubles. 1%, over - 3%, on the second tariff any amount - 0.2%, on the third - up to 1,000,000 free of charge, over 0.2%.
- The number of free plastic cards is from 2 to 6 free of charge, depending on the tariff.
- Interest on the account balance is not provided. There is a tax cashback of 2%.
bank website.
A small conclusion on the offer of the bank: Convenient mobile application, and Internet banking, the longest transaction day, transfers within the "Point" around the clock, transfers of physical. persons without commissions, created on the basis of Otkritie Bank, which has been on the market for a long time.
Settlement account in Promsvyazbank
- The cost of opening a current account is 0 rubles.
- Maintenance cost (monthly) — from 0 to 2,290 rubles. depending on the rate.
- Terms of opening an account - 1 day, reservation in 10 minutes on the official website when submitting an online application.
- Internet banking (availability and cost) - yes, free of charge.
- Mobile bank (availability and cost) - yes, free of charge.
- SMS-informing (availability and cost) - yes, from 0 to 199 rubles. depending on the rate.
- Operating day - from 9.00 to 21.00.
- Commission for non-cash payments persons - from 3 to 200 pcs. free, over the limit - from 19 to 110 rubles. depending on the rate.
- Ability to translate physical persons to ordinary bank cards / accounts (commission) - yes, from 0.1 to 10%, depending on the amount. Additionally charged from 18 to 350 rubles. depending on the rate.
- Cash withdrawal through ATMs (commission) - 1.2% on average;
- The number of free plastic cards - all cards are paid. You can release any quantity worth from 200 to 990 rubles. per month per card.
- Synchronization with online accounting "My business" and "Elba", etc. - yes! And what's more, when you open an account, you get 3 months of accounting as a gift.
You can read the terms and conditions and open an account at official website of Promsvyazbank.
A small withdrawal at the suggestion of the bank. Promsvyazbank is a systemically important bank in the Russian Federation, which indicates its reliability. Moreover, for last years The bank has become more modern and is constantly developing. Definitely, it deserves that you open a current account in it!
- The cost of opening a current account is free.
- Maintenance cost (monthly) — from 0 to 8,000 depending on the tariff.
- Terms of opening an account - the account will be ready in 5 minutes, full registration - 1 day.
- Internet banking (availability and cost) - yes, included in the price.
- Mobile bank (availability and cost) - yes, included in the price.
- SMS-informing (availability and cost) - yes, at the maximum tariff - free of charge, on the rest - 60 rubles. for each card.
- Operating day — from 09.00 to 18.00 Moscow time.
- Commission for non-cash payments persons: free of charge - 3, 5, 10, 50 and 100 pcs. depending on the rate. Over the limit - from 16 to 100 rubles.
- Ability to translate physical persons to ordinary bank cards / accounts (commission) - yes. For LLC - 0.5%. At the maximum rate of 300,000 rubles. free, then - 1.5%. For individual entrepreneurs - 150,000 rubles. free, then - 1%. At the maximum tariff - 300,000 rubles. free, then - 1.5%.
- Cash withdrawal through ATMs (commission): at a free rate of 3%, at the maximum - 500,000 rubles. free, then - 1.4%. On other tariffs - 1.4%.
- Cash deposit: on a free plan - from 0.15 to 0.36% depending on the plan and the amount. You can deposit from 50,000 to 500,000 rubles for free. On the free plan, you can deposit cash only with a commission.
- The number of free plastic cards - up to 5. Free service only in the first year. From the second - 2,500 per year.
- Interest on account balance - up to 3%.
You can open a current account at bank website.
A small withdrawal at the suggestion of the bank. Not so long ago, Sberbank developed a new line of tariffs, and now a free package of services is available to entrepreneurs. The bank holds promotions for new customers, so 1 or 3 months of service can be received as a gift. Each tariff provides for free payments, and if you open a savings account, then interest will accrue on the balance of the account.
Open a current account in Alfa-Bank
- 0 rub. opening an account and connecting to the Internet bank.
- 0 rub. internet banking and mobile bank for account management.
- 0 rub. issuance of a business card for depositing and withdrawing cash at any ATM.
- 0 rub. tax and government payments.
- The cost of maintenance (monthly) - from 490 rubles. up to 9 900 per month.
- Commission for non-cash payments persons - from 3 payments to 30 payments free of charge. At the maximum rate, all payments are 0 r. Over the limit - from 16 to 50 rubles. depending on the rate.
- Ability to translate physical persons to ordinary bank cards / accounts (commission) - yes. From 100,000 to 500,000 rubles. free of charge depending on the tariff. Over the limit - from 1 to 10% depending on the tariff.
- Cash withdrawal through ATMs (commission) - from 50 to 500,000 rubles. free of charge depending on the tariff, over the limit - from 1 to 10%.
- Synchronization with online accounting "My business" and "Elba", etc. - is.
- There is no interest on the account balance, but you can receive cashback from taxes up to 3%.
Additional bonuses:
- 3 000 rub. for advertising on Google.
- 9 000 rub. for advertising in Yandex.
- up to 50,000 rubles for promotion in social networks.
- Access to all working tools "Bitrix24", "My business", "Contour" for six months free of charge.
- Certificate for recruitment in HeadHunter.
You can open a current account at bank website.
A small withdrawal at the suggestion of the bank. Just like in Sberbank, you can opt for reliability. But the tariffs are less favorable than in Sberbank: there is no free tariff, a small number of free payments and high commissions for physical transfers. persons. Among the advantages of the bank: cashback from taxes, gift certificates for partner services and a convenient Internet bank.
Settlement account in LOCKO-Bank
- The cost of opening a current account is free.
- Maintenance cost (monthly) - 0, 990, 4 990 rubles. depending on the rate.
- Terms of opening an account - reservation within a minute, full registration - within a day.
- Internet banking (availability and cost) - yes, free of charge.
- Mobile bank (availability and cost) - yes, free of charge.
- SMS-informing (availability and cost) - yes, from 150 to 250 rubles. per month, at the maximum tariff - for free.
- Operating day - from 9.00 to 19.00.
- Commission for non-cash payments persons - 19, 29 and 59 p. depending on the rate.
- Ability to translate physical persons to ordinary bank cards / accounts (commission) - yes, for individual entrepreneurs up to 150,000 rubles. to your account free of charge, in other cases for individual entrepreneurs and LLCs with a commission of 2 to 10%, depending on the amount.
- Cash deposit - from 0.07 to 0.3% depending on the amount and tariff. At the maximum rate there is a free deposit.
- Synchronization with online accounting "My business" and "Elba", etc. - is.
- No interest on account balance.
You can apply and open an account at official website of Loko-Bank.
A small withdrawal at the suggestion of the bank. Loko-Bank offers a free tariff, functional mobile and Internet banking. There is a fast online account reservation. But in terms of the cost of SMS informing and payments, the bank loses to competitors.
Settlement account in Eastern Bank
- The cost of opening a current account is free.
- Maintenance cost (monthly) - from 490 to 9,990 rubles. depending on the rate.
- Terms of opening an account - reservation within 5 minutes, full registration - within a day.
- Internet banking (availability and cost) - yes, free of charge.
- Mobile bank (availability and cost) - yes, free of charge.
- SMS-informing (availability and cost) - yes, free of charge. Extended version - 250 rubles. for the first number, 100 rubles. - for the next 2.
- Operating day - from 9.00 to 23.00.
- Commission for non-cash payments persons - 5 and 20 payments free of charge, over the norm - from 16 rubles. There are tariffs with free payments.
- Ability to translate physical persons to ordinary bank cards / accounts (commission) - yes, up to 150,000 rubles. free, up to 500,000 rubles. - 0.5%, over 500,000 rubles. - one%.
- Cash withdrawal through ATMs (commission) - no information.
- Depositing cash is free.
- The number of free plastic cards - no information.
- Synchronization with online accounting "My business" and "Elba", etc. - is.
- No interest on account balance.
You can find out detailed tariffs and open an account at official website of Vostochny Bank.
A small withdrawal at the suggestion of the bank. Eastern Bank offers free account reservation, full-fledged Internet banking and extended business hours. You can transfer money to personal card no commission, and the cost of payment is one of the lowest in banks.
Settlement account in DeloBank
DeloBank is a service from the well-known SKB Bank, which has been successfully operating in the banking services market for a long time.
- The cost of opening a current account is free.
- Service cost (monthly) - depending on the tariff, from 0 to 7590 rubles.
- Terms of opening an account - in 10 minutes you can use it, and full registration - 1 day.
- Internet banking (availability and cost) - yes, free of charge.
- Mobile bank (availability and cost) - yes, free of charge.
- SMS-informing (availability and cost) - yes, free of charge.
- Operating day — from 09.00 to 21.00 Moscow time.
- Commission for non-cash payments persons: on a free plan, all payments are 87 rubles, on the rest 10, 100 and an unlimited number of free payments, depending on the tariff, payments over the limit - 25 rubles.
- Ability to translate physical persons to ordinary bank cards / accounts (commission) - up to 50,999.99 rubles. free, then with a commission, over - from 1 to 10% depending on the amount.
- Cash withdrawal through ATMs (commission): 2% at SKB-Bank and partner ATMs, 3% at other ATMs.
- Cash deposit: up to 50,000, 200,000 rubles. free of charge depending on the tariff, at the maximum tariff unlimited amounts are free of charge, over the limit - from 0.1 to 0.3% depending on the tariff.
- The number of free plastic cards is 1.
- Synchronization with online accounting "My business", "Elba", etc. - is.
- Interest on account balance - up to 5%.
You can open a checking account on bank website.
A small withdrawal at the suggestion of the bank. DeloBank is a new online branch of SKB-Bank with a convenient personal account. A free tariff is provided, interest on the balance, you can deposit cash for free and transfer money to accounts of individuals. persons. Depending on the connected tariff, you can get 1 or 2 months of service as a gift. And if you pay in advance, DeloBank will provide a discount from 5 to 20%.
Output
If you are just starting out or you have a micro business and a small turnover, then the following are ideal for you:
- Modulbank(free rate).
- Dot(cool service).
- Tinkoff Bank(free 2 months and a cheap tariff of 490 rubles).
- (there is a free plan).
If you really like to choose, you can open accounts in both and compare for yourself which is better. It's free anyway ;)
If you have more turnover (from 1 million rubles per month), then you can use the first 4 (Tinkoff, Modulbank, Expert Bank and Tochka), and you can also consider:
- Promsvyazbank.
- Alfa Bank.
- Sberbank.
- Oriental.
Conclusion
In conclusion, I want to say that the choice is yours. Personally, I believe that the future belongs to technology companies. If you have your own evaluation criteria, write in the comments, you can also suggest other banks for review, but only if they are really better in terms of conditions than those listed in the article. I also want to ask you to write reviews about the banks where you have current accounts, what you like, what you don’t like, etc.
I hope that the article helped you in choosing a bank for opening a current account for an individual entrepreneur or LLC.
Content
A private entrepreneur has the opportunity to open a special account - a settlement account. However, he is not required to do so. Such actions can be dictated only by a real commercial need. Opening an account for an individual entrepreneur is a mandatory procedure for entrepreneurs only with a large turnover of non-cash funds.
Settlement account for individual entrepreneurs
Opening an account for an individual entrepreneur is useful for business development. This is especially important when a businessman plans to sell / purchase goods. By law, an entrepreneur cannot pay or receive more than 100 thousand rubles for goods under one contract. Large businesses, where the flow of money is significant, and a cashless payment takes place at least once a month, cannot evade banking procedure. Opening an account will increase the chances of working with the largest counterparties. Cash flow over this amount must go through the official account assigned to the individual entrepreneur.
How to open a current account for an individual entrepreneur
A bank account immediately after opening must be indicated in the tax office and registered. Not informed in time, this organization has the right to impose a certain amount of a fine. Special documents received by the entrepreneur are transferred to the tax office. How to open a bank account for an individual entrepreneur by providing the correct documents, read below.
The documents
Some documents for opening an IP current account are different. For financial institutions its own list is provided, although the standards are the same, and the main documents are similar in structure. Depending on which bank to open an account for an individual entrepreneur, the list may differ. A common list of submitted documents consists of:
- passports;
- certificates of state registration IP (that is, about obtaining OGRNIP);
- individual identification number;
- tax registration certificates;
- specialized license (if any);
- various statements, other documents specific to a particular banking institution.
Where to open a business account
Opening a bank account for an individual entrepreneur consists of a number of procedures. For example, rates. This service is by no means free. Any bank sets special tariffs for its own services and operations. This also includes the commission. To choose reliable bank, you can see the reviews of the clients of the organization. A profitable current account for an individual entrepreneur is different:
- service reliability;
- low commission;
- big amount additional services.
Bank for IP
The problem of where to open an account is always relevant for a novice entrepreneur. At the moment there are many banking institutions. It can be difficult to choose one bank for the IP current account. Monitoring of Internet resources will help in order to obtain complete information, select the best applicant. You should familiarize yourself with the merits and features of all banks, and then analyze, compare, and only then open a bank account for individual entrepreneurs.
Tinkoff
The benefits for entrepreneurs who decide to open a current account for individual entrepreneurs in Tinkoff are:
- quick and easy opening, the ability to submit documents online;
- service cost - from 490 rubles;
- managed by a personal manager;
- notifications of actions by SMS;
- a convenient Internet bank that allows you to track the turnover of funds and carry out other significant procedures;
Required documents:
- copy of the passport;
- a special application for an institution;
- an identification number;
- a document on being registered with the tax supervisory authority;
- special round seal (if any).
Tinkoff Bank will really quickly open an account and carry out all the procedures necessary for the entrepreneur. Moreover, the cost of processing one payment is not too high. The good thing is that the system of accounting for funds is completely transferred to the Internet level. All movements on the account will be visible in personal account. It is very convenient to track the time of payment and the exact amount.
Sberbank
To create a current account for an individual entrepreneur in Sberbank, you must fulfill two mandatory conditions. This is online registration, obtaining a special number, and then submitting documents (this is given as much as 30 days). Before starting cooperation with the bank, it is advisable to first familiarize yourself with the specifics of the services, find out the reviews of regular customers.
Features of working with Sberbank:
- price for the service - about 2000 rubles;
- stable and comfortable Internet banking;
- a relatively small commission for the issuance and acceptance of cash;
- there are a large number of branches;
- there is a notification system;
- transfers are made 20/7.
Documents required for registration:
- the passport;
- certificate of registration of IP (OGRNIP);
- state extract on obtaining the status of an individual entrepreneur;
- licenses (if any are needed for the type of activity).
Alfa-Bank promises to open a settlement account for individual entrepreneurs in just 10 minutes. Tariffs are varied, so you can choose the most acceptable. Cash withdrawal fees vary. Service prices - from 1090 to 9900 rubles per month. There is a promotion for payment. In the case of a one-time payment for 9 months, a discount of 25% immediately applies. According to the terms of the discount, the remaining 3 months of service is free of charge.
Features of the provision of services:
- cash can always be withdrawn at any of the ATMs;
- the maximum time for making a payment is until 20:30, and if the recipient is a client of Alfa-Bank, then until 23:30;
- high level of customer service;
- relatively modest level of subscription fee;
- the presence of shares;
- there is an All Inclusive rate;
- the commission for accepting cash is small, not present in all tariff plans;
- convenient internet banking;
- sms, email notifications;
- free a plastic card;
- good reviews from bank customers.
Submitted documents:
- the passport;
- certificate of registration of IP (OGRNIP);
- identification number (TIN);
- licenses (if any);
- a document on being registered with the tax supervisory authority;
- samples of personal signatures, special seals;
- special application for opening an account.
VTB 24
A current account for individual entrepreneurs in VTB 24 can be opened by contacting any of the existing branches. For clients who are unable to wait, the bank provides an urgent (about 4 hours) opening, which is convenient for transactions. The amount for the tariff is from 1200 to 12200 rubles. per month. An extensive network of branches and ATMs is presented throughout the country.
Features of working with the bank:
- urgent clearance;
- high-quality Internet banking;
- availability of a convenient salary project;
- the availability of the tariff "All inclusive";
- availability of SMS alerts;
- compulsory insurance of all deposits.
- the passport;
- bank agreement for an account;
- questionnaire (filled out);
- certificate of registration of IP (OGRNIP);
- state extract on obtaining the status of an individual entrepreneur;
- a document on being registered with the tax supervisory authority;
- samples of signatures of authorized persons and seals;
- licenses (if any);
- confirmation of permission for the use of funds by individuals (partners).
Rosselkhozbank
On the bank's Internet resource, it is possible to immediately submit online application. A current account for an individual entrepreneur in Rosselkhozbank can be maintained through the Internet bank. There is a single tariff, where all services and prices for them are described in detail. According to customer reviews, the Internet banking service is relevant and very convenient because all account movements are viewed from home or office.
Bank features:
- low cost of services;
- availability of Internet banking;
- there is a salary project;
- it is possible to obtain a bank card;
Documents to be submitted at checkout:
- special application for opening an account;
- the passport;
- a document on being registered with the tax supervisory authority;
- certificate of registration of IP (OGRNIP);
- state extract on obtaining the status of an individual entrepreneur;
- a document on the provision of a personal code from Rosstat;
- samples of signatures of authorized persons and seals;
Raiffeisenbank
A current account for an individual entrepreneur at Raiffeisenbank is easy to open. The cost of tariffs starts from 990 rubles. per month. Maximum - 7500 rubles. The site has the opportunity to see:
- with a contract;
- working conditions;
- terms of service;
- release, maintenance debit cards and etc.
Bank features:
- convenient site interface;
- availability of Internet banking;
- good customer reviews;
- not too expensive services;
- departure of the employee at home (in Moscow and the region);
- work experience (20-year history);
- many ATMs and offices in many cities of the country.
Documents to be submitted when opening an account:
- A completed application form;
- the passport;
- special application for opening an account;
- bank agreement for the account;
- samples of signatures of authorized persons and seals;
- certificate of registration of IP (OGRNIP);
- document on registration with the tax supervisory authority;
- licenses (if needed).
For convenient bookkeeping of individual entrepreneurs online, use.
January 14, 2019 IP taxes
There are dozens of financial organizations on the market that offer cash settlement services to individual entrepreneurs, but not every service will be really profitable and convenient. So that you can choose the best bank for small business, we analyzed the market and selected 9 best offers. These are organizations with favorable rates, which are maximally focused on the needs of the business.
The main criteria for choosing a servicing bank
By law, an entrepreneur is not required to conduct, but modern business cannot exist safely without banking support. Joining the RKO significantly expands the list of possible partners. will be able to connect to acquiring — accept payments from cards, make financial operations remotely, participate in tenders and much more. In addition, in the absence of an account, non-cash transactions cannot exceed the amount of 100,000 rubles established by law.
When choosing where to open a current account for an individual entrepreneur, it is important to pay attention to the following points:
- If you are an aspiring entrepreneur, look for a bank that offers a starter plan. This is the minimum package of a set of services, often services for it cost 0 rubles.
- The bank must have a wide network of branches and ATMs so that you can contact the office at any time or use the ATM to replenish or cash out your account. In addition, you can consider banks that serve customers remotely.
- The service organization should offer a multifunctional Internet bank, created specifically for customers - representatives of small businesses. As a result, the entrepreneur will be able to conduct transactions remotely, being anywhere.
- Variety of tariff plans. A business can expand, change its needs, and you should be able to switch to a different tariff. It is advisable to choose a bank to open a current account that offers at least 3 billing options: starting, medium and for high turnover.
- Cost of service and operations. It is clear that the service should be not only profitable, but also convenient. Therefore, initially decide on the needs of your business, and then look for a bank that will satisfy them at the lowest price.
- Offer additional products. It is good if the selected bank provides comprehensive services to entrepreneurs, that is, it is not limited only to cash settlements. The client may need to participate in salary project, connection to acquiring, credit and deposit products - all these services are best received in the servicing bank: this is both profitable and convenient.
- The bank must issue business cards. These are debit means of payment linked to the current account of the individual entrepreneur. As a result, the client will be able to use the ATM to withdraw funds and to replenish the account. These cards can be used for standard transactions in shops and the Internet, they can be used to pay abroad.
- The bank shouldn't have any problems. It participates in the deposit insurance system, global and national rating agencies give it a good rating, call it stable.
Below are banks for individual entrepreneurs that meet all these parameters. Maintaining an account in each of them will be profitable and convenient.
The best banks for cash settlement
This is a rating of banks for individual entrepreneurs, it includes organizations that offer the best products for small businesses. Their services are in demand, most individual entrepreneurs countries are served in them. Ranked as regular banks with stationary offices, as well as innovative, offering customers a completely remote service.
Sberbank
Since most entrepreneurs are primarily considering Sberbank, we will initially analyze its programs. The bank is really ready to offer individual entrepreneurs high-quality, convenient and profitable service. 5 tariff plans have been developed for entrepreneurs.
Features of service in Sberbank:
- service of online booking of account details in 5 minutes;
- to open a current account, it is not necessary to go to the office, Sberbank provides the service of connecting to the settlement center, including remotely;
- if the IP was registered more than six months ago, Sberbank does not charge a service fee for the first 2 months. Exception - TP “Great opportunities;
- bonuses from partners: Yandex, Vk, hh, myTarget;
- a debit business card is paid, its maintenance for a year is 2,500 rubles;
- additional services: maintaining salary projects, insurance, loans, deposits, accounting, bank guarantees, acquiring, leasing, factoring, foreign economic activity, cash collection.
Sberbank rates
Rate | Payments to legal entities per month | Citizens | Replenishment per month | Cash out per month |
Easy start, no fees | 3 free, after 100 rubles. | up to 150,000 rubles. no commission | 0,15% | 3% |
Good season, 490 rubles. | 5 free, after 49 rubles. | up to 150,000 rubles. no commission | up to 50,000 rubles is free | 3% |
Good revenue, 990 rubles. | 10 free, after 49 rubles. | up to 150,000 rubles. no commission | up to 100,000 rubles is free | 3% |
Active settlements, 2490 rubles. | 50 free, after 16 rubles. | up to 150,000 rubles. no commission | up to 100,000 rubles is free | 3% |
Great opportunities, 8600 rubles. | 100 free, after 100 rubles. external | up to 300,000 rubles no commission | up to 500,000 rubles is free | up to 500,000 rubles is free |
Alfa Bank
This bank is also often considered by entrepreneurs to connect to the RKO. When choosing where to open a current account for an individual entrepreneur, be sure to study its offers. An important advantage of Alfa Bank is a modern approach to work, innovative technologies, its Internet banking for business is recognized as the best in Russia.
Features of service in Alfa Bank:
- if you pay a service fee for a year at once, 3 months of using the services will be free;
- the maximum favorable tariff plan "1%" for start-up entrepreneurs, the client pays only 1% for the funds received to the account;
- the best online banking for business with the ability to conduct online accounting and integration with online accounting services;
- the possibility of issuing virtual card for business with free service;
- free issue and maintenance of a business card only at the “1%” tariff, for all other issues the issue will cost 199 rubles, monthly maintenance - 299 rubles;
- most tariffs involve free cashing out and replenishment of the account;
- additional services: loans, deposits, acquiring, salary projects management, foreign economic activity, bank guarantees, service for issuing loans from private investors, cash desks.
Tariffs of Alfa Bank
Rate | Payments to legal entities per month | Citizens | Replenishment per month | Cash out per month |
1%, no fee | no fee | no fee | 1% | no fee |
Electronic, 1400 rubles / 1080 rubles. when paid per year | 16 rub. every | free of charge up to 150,000 rubles. | 0,23% | from 1.5% |
Success, 2300 rubles / 1725 rubles. when paid per year | 10 free, after 25 rubles. | free of charge up to 150,000 rubles. | no fee | up to 50,000 rubles is free |
FEA, 3200 rubles / 2400 rubles when paid for the year | in rubles - 30 rubles, foreign exchange - 0.25% | free of charge up to 150,000 rubles. | 0,28% | from 1.5% |
Everything you need. 9900 rub./7425 rub. when paid per year | no fee | free of charge up to 500,000 rubles. | no fee | free of charge up to 500,000 rubles. |
VTB
Another large, stable and reliable bank for entrepreneurs. VTB is a more conservative organization that offers classic services to small businesses.
Features of service in VTB:
- on all tariff plans, payments to the budget are made free of charge;
- there is a service - free assistance in registering a business;
- SMS-informing service is connected and provided free of charge;
- you can make a payment during non-operational hours;
- additional services and business services: lending, deposits, acquiring, payroll projects, bank guarantees, foreign economic activity.
VTB tariffs
Promsvyazbank
The Bank works with any form and scale of business, has developed a special starting rate for start-up entrepreneurs. Promsvyazbank customers receive all the necessary Financial services In one place.
Features of servicing individual entrepreneurs in Promsvyazbank:
- for the tariff "Business Light" and "24/7" the first three months the service fee is not charged. Another three months can be free if the client pays for the service for a year at once;
- a wide range of business cards, including Customs;
- round-the-clock payments within Promsvyazbank.
Tariffs of Promsvyazbank
Rate | Payments to legal entities per month | Citizens | Replenishment per month | Cash out per month |
Start, no fee. | 3 free, after 99 rubles. | free of charge up to 150,000 rubles. | free of charge up to the amount of 30,000 rubles. | no fee |
Business Light, 1050 rubles. | free of charge up to 75,000 rubles. | from 0.15% | from 0.5% | |
Business 24/7., 1600 rub. | 18-19 rub. | from 0.1% | from 0.25% | from 0.5% |
My business, 1800 rubles. | 45 rub. for the first 5, then 110 rubles. | free of charge up to 75,000 rubles. | from 0.15% | from 0.5% |
Business Check, 2290 rubles. | 30 free, after 40 rub. | free of charge up to the amount of 75,000 rubles. | from 0.1% | from 0.5% |
Opening
Another big financial structure active in business. The bank's offer for entrepreneurs is 5 tariff plans and a full range of all possible financial products and business services. You can open an account both in rubles and in foreign currency.
Features of service at Otkritie Bank:
- if we compare where it is more profitable to open an account for a new individual entrepreneur, the “First Step” tariff should be considered, the client practically does not bear any costs;
- free transfers individuals at any tariff;
- the issuance of a business card is free, the fee for its maintenance is taken only from the 7th month - 149 rubles;
- reservation of bank account details online in 2 minutes;
- additional services: loans (including state support), bank guarantees, deposits, acquiring, salary accounts, bank guarantees, currency transactions, foreign economic activity, educational platform, etc.
Tariffs of the bank Opening
Rate | Payments to legal entities per month | Citizens | Replenishment per month | Cash out per month |
First step, 0 rub. | 3 free, after 100 rubles. | up to 150,000 rubles. is free | 0,15% | 0,99% |
Rapid growth, 490 rubles. | 7 free, then 100 rubles. | up to 150,000 rubles. is free | 0,15% | 0,99% |
Own business, 1290 rubles / 860 rubles. when paying for 3 months. | 15 free, then 25 rubles. | up to 150,000 rubles. is free | 0,15% | 0,99% |
The whole world, 1990 rubles / 1327 rubles. when paying for 3 months. | 15 free, then 25 rubles. | up to 150,000 rubles. is free | 0,15% | 0,99% |
Open opportunities, 7990 rubles / 5327 rubles. when paying for 3 months. | is free | up to 500,000 rubles is free | 0,15% | 0,99% |
UBRD
Bank adheres to current trends, develops convenient service packages and online services. In addition to standard financial services, clients are offered a large list of additional ones. Tariff plan UBRD "Everything is simple" takes the first place in terms of profitability among tariffs for small entrepreneurs. Internet Banking Light recognized the best service for small businesses in 2018 - the rating was compiled by the Markswebb agency.
Features of servicing individual entrepreneurs in UBRD:
- there is a connection fee for the Test Drive and Premium tariff plans, but at the same time, three months of using the bank's services will be free, and a low fee will be charged for the subsequent ones;
- provision of bonuses from UBRD partners: 1C, Promo Expert, hh, My Warehouse, etc.;
- range of standard additional services: acquiring, loans, deposits;
- additional services for business: consulting, remote business registration, provision of accounting and legal services, insurance, electronic document management, business meetings, etc.
Tariffs UBRD
Rate | Any electronic payments | Replenishment per month | Cash out per month |
It's simple, 0 rub. | 79 rub. | 0,05% | from 1.1% |
Economy, 600 rubles. | 10 free, then 25 rubles. | 0,05% | from 1.1% |
Online, 750 rubles. | 25 rub. | 0,05% | from 1.1% |
Test drive, 500 rubles, connection - 4200 rubles. | no fee | 0,05% | from 1.1% |
Premium, 700 rubles, connection - 7000 rubles. | no fee | 0,05% | from 1.1% |
Tinkoff
Consider and best banks countries operating entirely remotely. Many entrepreneurs pay attention to bank Tinkoff. It has been operating on the market for a long time and, despite its remote activity, is among the top ten banks in Russia in many industries financial activities. Clients are offered a high-quality, long-developed and “run-in” algorithm for remote cooperation using numerous services.
Features of service in Tinkoff:
- accrual of 4-6% per annum on the account balance;
- the first two months, the service fee for the "Simple" and "Advanced" tariff plans is not taken;
- on the Simple TP, no monthly fee is charged if the total monthly spending on the client's corporate cards exceeded 50,000 rubles;
- on the Advanced TP, no monthly fee is charged if the total monthly spending on corporate cards exceeded 200,000 rubles;
- IP service is only remote, there are no offices;
- gifts from partners: Yandex, Google, Vk, myTarget;
- provision of a personal manager;
- instant booking of an account, its remote opening;
- additional services: acquiring, online accounting, foreign economic activity, salary projects, bank guarantees, credit services, customer lending, call center, website builder, etc.
Tariffs Tinkoff
ModulBank
We can say that this is the best bank for opening an account for individual entrepreneurs, operating entirely via the Internet. He cooperates only with companies and entrepreneurs, all attention is paid to them. Despite the remote service, clients receive all the necessary financial services and settlement services.
Features of service in ModulBank:
- only online service, no offices;
- there is no service fee at the "Optimal" tariff if the individual entrepreneur immediately paid 9900 rubles. When paying for services for 6 months, a 15% discount is provided, for a year - 20%;
- there is no service fee for the "Unlimited" tariff if the client immediately paid 99,000 rubles. When paying for services for six months - a 15% discount, for a year - 20%;
- accrual of up to 3-7% per annum on the balance of the client's funds (excluding the starting tariff);
- booking an account online in 5 minutes;
- additional services: loans, deposit products, salary projects, acquiring, accounting services, FEA, cash desks.
Tariffs ModulBank
Dot
Created on the basis of Otkritie Bank. It is a bank for business representatives only. Account registration at the Point and its maintenance is always remote. The point applies a modern approach to work, the Internet bank of this organization is recognized as one of the most effective on the market.
Features of service at the Point:
- on the TP "All the best at once" the first 3 months of using the services cost 500 rubles each;
- service only remote;
- online banking integrates with any online accounting services;
- additional services and services: accounting services, acquiring, foreign economic activity, maintenance of payroll projects;
- discounts from numerous partners.
Tariffs Points
Conclusion
To compare where it is more profitable to open a current account for an individual entrepreneur, you can use the following table, which shows the main conditions of the banks represented:
Rate | Service | Starting tariff | Cash | Cash out |
Sberbank | 0-8600 rub. | 0 rub. | 0.15% or free | 3%, free of charge on TP “Great Opportunities” |
Alfa Bank | 0-7425/9900 rub. | 0 rub., 1% fee only for the receipt of funds | from 0 rub. | from 0 rub. |
VTB | 1000-3000 rub. | 1000 rub. | from 0 rub. | from 0.5% |
Promsvyazbank | 0-2290 rub. | 0 rub. | from 0.1% | from 0.5% |
Opening | 0-7990/5327 rub. | 0 rub., | 0,15% | 0,99% |
UBRD | 0-750 rub. | 0 rub., | 0.05%, min. 100 rub. | from 1.1% |
Tinkoff | 0-1990 rub. | 490 rub. | from 0.2% | from 1% |
ModulBank | 0-4990 rub. | 0 rub. | from 0 rub. | from rub. |
Dot | 0-4990 rub. | 0 rub. | from 0 rub. | from 0 rub. |
These are the best banks for individual entrepreneurs for the profitable opening of a current account. In each of them you can get high-quality and safe service, each has additional services and services for business. All listed organizations accept applications for connection to RSC online. For individual entrepreneurs, a minimum package of documentation is provided for opening an account.
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 the best bank for an individual entrepreneur. 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 a 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 a favorable tariff with free (!) service and special offers from the bank's 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.
- Cost per month is free
- Opening cost is free
- is free
- Translations to an individual is free
- Internet banking
- SMS informing 90 rubles per month for each number
- App for iOS eat
- 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
disadvantages
- 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 operations through the Internet bank and mobile application. 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 account is issued completely online.
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
disadvantages
- Small Business Only
3rd place. Tinkoff Business. Tariff "Basic"
3rd 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 bank offers entrepreneurs a variety of services.
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%, to a personal Tinkoff Black card - free of charge
- Internet banking yes, free (support for new browsers, including Safari for Mac)
- App for iOS eat
- 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
disadvantages
- Expensive payment orders
4th place. Promsvyazbank. Tariff "Business Start"
4th 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.
You can open an account without visiting the bank.
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 eat
- 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
disadvantages
- You cannot open an account in foreign currency
5th place. Opening. Tariff "First step"
5th 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.
You will receive details after completing the application.
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
disadvantages
- Expensive payment orders
6th place. MTS Bank. Tariff "Easier than simple"
6th 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.
The account is quickly issued at the bank branch.
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 eat
- SMS informing 180 rubles per month
- App for iOS eat
- 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
disadvantages
- All admissions are subject to a fee.
- Large commissions for cash withdrawals
7th place. Ural Bank for Reconstruction and Development. Tariff "Comfort"
7th 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.
An account can be opened without a visit to the bank.
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
disadvantages
- Expensive service per month
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 account is drawn up at a bank branch.
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 eat
- 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
disadvantages
- 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.
You can open an account without visiting a bank.
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 eat
- 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
disadvantages
- 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.
The account is quickly issued without a visit to the bank.
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 eat
- 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
disadvantages
- 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.
To open an account, you only need a passport.
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 eat
- 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
- Issue of Halva cards in the salary project
- Overdraft up to 10,000 rubles when opening an account
- Various types of acquiring and online cash registers
disadvantages
- 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.
An account can be opened without visiting a bank.
The bank keeps its positions steadily.
Individual entrepreneurs are not required to open, but in the current conditions it is difficult to work without banking support. By opening an RKO account in a bank for an individual entrepreneur, you will increase the list of counterparties, you will be able to remotely make any payment transactions. You will have the opportunity to connect acquiring, you will be able to conclude loan agreements on personal terms. All this will increase profits.
Choosing a bank to open a current account
For a businessman, the main thing is to do. It should offer not only high-quality, but also profitable RSC services. On the Russian market there are dozens, if not hundreds of banks that offer individual entrepreneurs their cash services. But among them there are only a few really profitable offers. It is these banks that entrepreneurs most often turn to to open a current account.
What to consider when choosing a bank to maintain an IP account:
- Tariff line. The bank must offer several ready-made service packages, at least 3 service programs. As business needs change, it will be possible to switch from one tariff to another.
- Availability of a starting tariff with a service price of 0 rubles. If you need a bank account for a new individual entrepreneur who is just starting up, it will be beneficial for him to start connecting to the simplest tariff, where there is no monthly fee.
- Service cost. Service must be carried out on favorable terms for you. And it's not just about monthly fees. You should be interested in the price of servicing a business card, the cost of depositing revenue into an account, cashing out an account. If you plan to connect acquiring, even if not immediately, be sure to look at its billing and the cost of equipment.
- Services for maintenance. Almost every bank gives access to Internet banking, but the functionality of the service may be different. It’s good if the service organization has developed a separate system specifically for business, through which you can keep accounts, order and export statements, certificates, create orders, etc.
- Range of additional services. If the bank provides business with all possible services, then this is a big plus. You may always need loan products, deposit programs, services currency control. Many financial companies offer clients bookkeeping, legal support, counterparty verification services, etc.
When choosing a bank for an IP account, consider not only classic stationary banks, but also those that work online. There are several business banks operating remotely on the Russian market. All financial services are provided to clients remotely, even a manager comes to the entrepreneur’s office to conclude contracts. Such banks also offer high-quality and convenient services, and due to remote work, their rates often turn out to be even more favorable.
Where can I open the most profitable for IP? We invite you to familiarize yourself with financial institutions for keeping an account of individual entrepreneurs who offer convenient service and at the same time develop optimal tariffs for the price. It is these banks that entrepreneurs most often choose to connect cash settlement services.
1. Sberbank
To, you do not need to conduct large-scale activities. This bank cooperates with both large corporations and small business structures. Sberbank is loyal to the new business, its tariff line includes a start-up program for new IP with an account maintenance fee of 0 rubles.
Sberbank has developed five service packages for clients with a focus on different business needs:
- Easy start, 0 rubles. This is the program for beginner businessmen. The package includes three free monthly payments, a business card with a free first year of use.
- good season, 590 rubles. But if there are no movements on the account in the current month, the fee is not taken. The package includes 5 free payments.
- good earnings, 1090 rubles. Classic tariff for ordinary business. Assumes more profitable terms depositing the proceeds into the account. The package includes 10 free payments.
- Active calculations, costs 2390 rubles. The package was created for customers who frequently make settlements and make payments through an online bank. It includes 50 payments. If the client does not use them in a month, they are transferred to the next month.
- Great Opportunities with a price of 10990 rubles. Program for large-scale activities. 100 payments to any banks are included, all internal payments are free of charge, transfers to individuals without commission - up to 500,000 rubles per month, free deposits and withdrawals, issuance of a premium business card.
Comparative table of Sberbank offers:
2. Opening
In this bank, an individual entrepreneur can also use settlement and cash services without charging a fee, if he connects to the starting tariff. , like Sberbank, has developed a wide range of tariffs for business. It also offers interesting conditions:
- First step, 0 rubles. This is the tariff plan, which is focused on a new or just a small business. The package includes 3 free payments.
- Fast growth, 490 rubles. If the capabilities of the starter package do not suit you, then you can consider this service option. It is intended for already more financially active entrepreneurs. 7 free payments included.
- Personal business, costs 1290 rubles. A special program for clients who make many payments and work with different counterparties. 15 payments for free, then - at a reduced price.
- The whole world, 1990 rubles. standalone program for entrepreneurs who work with foreign partners. As part of the tariff, currency control services and an individual conversion rate are provided.
- Open Opportunities, its price is 7990 rubles. Program for the needs of big business. Payments are free, transfers to individuals up to 500,000 rubles per month without commission.
Important! According to the last three tariffs of Otkritie Bank, if you pay for a quarter of service at once, the client receives a 33% discount.
Comparative table of Otkritie bank offers
3. Point
It is one of the banks for business that operate remotely. Numerous communication channels and convenient tools have been developed to work with clients. Since it is possible remotely, after submitting an online application, you do not go anywhere. The bank manager will come to your office. When connecting other bank services, a representative of the Point will also come to conclude an agreement.
To maintain an IP account, three billing plans with favorable conditions have been developed:
- Required minimum for 0 rubles. Here, too, there is a starting tariff with little features. At the same time, payments, transfers to individuals and cash withdrawals are always free. If the question of how to open an RKO account in a bank for an individual entrepreneur is asked by a novice entrepreneur, this option will be extremely beneficial for him. In fact, the payment is taken only for the receipt of funds.
- Golden mean, costs 500 rubles. The name speaks for itself, this is a classic average fare. It includes 10 free payments.
- All the best at once. It costs 2500 rubles per month, the first three months after connecting the IP pays 500 rubles each. Includes 100 free payments, transfer to individuals up to 500,000 rubles without charging a commission, free withdrawal and replenishment.
Comparison table of offers
4. Alfa Bank
Bank is popular among all forms of business. It attracts with a large range of tariffs and a modern approach to servicing all customers. can be opened via the Internet, having received the details in 5 minutes. Alfa has high reliability ratings and is a systemically important bank in Russia.
Suggested rates:
- Just 1%, 0 rubles. The simplest initial tariff for individual entrepreneurs. Service without a fee, all operations without commission. The client pays only 1% for money transfer operations.
- Best start, 490 rubles. Another tariff for a small business, but with more features. The package includes 3 payments.
- Good choice, 1690 rubles. Tariff for those who make many payments. 10 payments included, then the cost is 25 rubles per payment.
- All you need, costing 9900 rubles. Free payments and transfers, opening foreign currency accounts, replenishment of the account, plus accrual of interest on the balance.
Alfa Bank also developed separate tariff plans for companies that conduct international activities and wholesale trade. Packages cost 3200 rubles each and meet all the needs of this type of activity.
Comparative table of Alfa-Bank offers
5. Tinkoff
To open an account for an individual entrepreneur in Tinkoff bank You don't even have to leave your office or home. This is another bank that has built its work remotely. Moreover, he provides the details of the current account immediately on the day of submitting the online application.
Tinkoff business service packages:
- Simple, 490 rubles. There is no free starter package here, but even at this minimum rate, Tinkoff accrues up to 4% per annum on client funds. 3 payments included.
- Advanced, 1990 rubles. Reduced fee for making payments, up to 6% are accrued on the balance of funds.
- Professional, 4990 rubles. Low cost of payments - each for 19 rubles, reduced commission for replenishment, accrual of up to 6% per annum on the balance.
Important! If the client pays immediately for 12 months of service, Tinkoff provides 2 months of RKO services for free.
Comparative table of offers of Tinkoff Bank
6. ModulBank
And another bank that organized remote customer service. How ? First you need to submit an online application on his website. Details are provided immediately, later a manager will come to you to sign the contract. According to Markswebb and FinWin, this organization is recognized as the best organization for serving entrepreneurs.
- Starting, 0 rubles. All payments are charged identically - 90 rubles each.
- Optimal, 690 rubles. If the IP pays immediately for a year, then 390 rubles. Fixed fee for payment transactions - 19 rubles, 3% per annum on the balance of client funds, replenishment without a fee.
- Unlimited, cost - 4900 rubles. When paying immediately for 12 months - 3920 rubles per month. Payments are made free of charge, there is no fee for replenishment, ModulBank charges 7% on the balance of client money.
Comparative table of tariffs of ModulBank:
All these banking organizations accept applications for connection to RKO via the Internet. Study the rates, choose the best bank for your business, find out what you need to conclude an agreement, and apply.
How to open a current account for an individual entrepreneur
If the details are required here and now, for example, it is necessary for an urgent conclusion of a contract, then choose a bank with a reservation service for details. You will receive them immediately after sending an online application and can enter the data into the contract. The account will be available only for replenishment, the client will be able to carry out all other operations after the conclusion of the contract.
By default, the process of connecting to the RKO looks like this:
- The client chooses a bank and submits an application to it. It is more convenient to do this online. If the bank has a network of offices, the application can be left there, immediately bringing all the necessary documents with you.
- After submitting a remote application, a manager will call you back, who will help you navigate the tariffs and tell you what you need to open a bank account for an individual entrepreneur. Usually only a passport and registration certificate are required.
- The parties make an appointment to hand over the documentation. It can be carried out at the bank office or the manager himself goes to the applicant.
- After the transfer of documents and signing of the agreement, the client receives full access to the account and Internet banking.
As a standard, the procedure for connecting to the cash register takes 2-3 days, some banks promise to give full access to the account within 1 business day. After the conclusion of the contract, you do not need to go to the Federal Tax Service; the obligation to transfer information about the open account lies with the bank itself.