Reliable banks for IP. How to open a bank account for Life hack #1 - how to buy good insurance

We compared 11 banks with RKOs for legal entities according to the most important parameters. You can choose a tariff with a minimum service fee or payment price, profitable or free account replenishment and even interest on the balance. Settlement and cash services (RKO) for LLCs and individual entrepreneurs is one of the main functions of the bank. This is a set of services for storing, moving and registering the movement of funds on the company's accounts.

Entrusting your current account to the bank is a responsible decision that requires the most serious approach and careful analysis. When choosing a bank, it is necessary to pay attention to tariffs, commissions, Internet banking capabilities, service convenience and quality of support service. In this article, we will consider the 11 best offers for cash settlement services for individual entrepreneurs and LLCs from leading Russian banks, compare rates, analyze their features, pros and cons.

11 banks with favorable RKO rates 2020

February 20120

The simplest package can be issued free of charge in 3-4 banks. These tariffs are suitable for enterprises with minimal financial activity (the cost of payments in these banks is the highest).

Comparing the data in the table, it is easy to see that the most favorable rates are presented in Promsvyazbank, Modulbank and ExpertBank. For an acceptable subscription fee, the client receives a full range of cash settlement services, and in the first two banks there is also a bonus - an accrual to the account balance.

At Sberbank, the cost of monthly maintenance and account transactions is quite high, but it is offset by the reliability of the bank and the high security of financial resources.

It is most advantageous for representatives of small businesses and aspiring entrepreneurs to contact Otkritie and Promsvyazbank banks - when registering an account, customers are given a 20% discount (2 free months).

In Modulbank, Tinkoff and Expertbank they charge interest on the current account balance up to 8% per annum. They can store money not only for current, but also for future needs.

Alfabank - payments for 0 rubles in the TP for 490 rubles. per month

Pros:

• minimum package of documents;
• a wide range of tariff plans;
• low cost of one payment;
• free transfers up to 500 thousand rubles to the accounts of individuals.

Minuses

• Paid account opening (in addition to the monthly fee).
• The high cost of the package for financially active companies.
• You can only transfer up to 100 thousand rubles without a commission. per month.
• Paid key for EDS.

You can connect the simplest tariff for 490 rubles of a monthly subscription fee, but even here you won’t have to pay for payment orders, even if their limit is limited. A good solution for newly opened individual entrepreneurs and start-up small businesses. For large companies, there are more advanced tariff fees - up to 7900 rubles of the maximum subscription fee.

East Bank - independent choice of services

Pros:

• relatively low cost of one payment order;
• replenishment of the account with an adequate commission;
• a large number of service offices in every major settlement.

Minuses:

• there are no commission-free payments for the "Economic" and "Optimal" tariffs (although most other banks give customers 10-20 free payments per month);
• high subscription fee.

Quite expensive, in comparison with other banks, settlement and cash services in Vostochny are compensated by the reliability of the bank, a certain number of free payments and cash withdrawals without commission up to a certain limit. Plus, on an advanced TP, you can choose which services you will use, so as not to pay for what you do not need.

Opening - 4 months without commission

Pros:

• high speed of registration (the whole procedure from 4 hours);
• up to 10 first payments - free of charge;
• a small commission for replenishing an account (up to 0.3%);

Minuses:

• high fees for cash withdrawals (up to 500 thousand rubles - 3.5%);
• the subscription fee is charged only from the 5th month of service (the first 4 are free of charge);
• acceptance of payments for execution until 18:00.

It is convenient that even the most expensive TP for 2500 r. you can safely use it without a commission for the first 4 months - enough to test and understand what you need. Withdrawal of funds (transfers to individuals) from 0.5% to 1.5%. Payments to legal entities - from 0 to 79 rubles. Cash withdrawals from a card linked to an account - from 2% to 3.5%, depending on which tariff plan you have chosen.

Tochka is the most popular bank for entrepreneurs

Pros:

• tax cashback - 2%;
• up to 100 free payments every month;
• profitable merchant acquiring - 1.3%

Minuses:

• high commission for account replenishment - up to 1%;
• commission for withdrawal from 50 thousand rubles. from the account - up to 3%.

The most popular bank with cash settlement for individual entrepreneurs and other entrepreneurs. Tariffs are clear and simple, service from 0 rubles at the Minimum to 2500 at the Maximum. It is most convenient to take the Optimal tariff for 500 rubles. per month - its capabilities will be enough for most entrepreneurs in small and even medium-sized businesses.

DeloBank — first 3 months free of charge

Pros:

• up to 100 free payments per month (in the Major League tariff - an unlimited number);
• free cash deposit (up to 200 thousand rubles);
• 1 to 3 months of free service;
• the cost of accounting services from 5800 rubles. per month;
• online deposit with a yield of up to 7.75%;
• free SMS notification.

Minuses:

• you can withdraw no more than 300 thousand rubles per month. cash.

Subsidiary of SKB - offer for settlement and cash services for small, medium and large businesses. Service from 590 rubles, the first 3 months - free of charge. From 10 to unlimited free payment orders and commission for replenishment 0.1% -0.3%.

Modulbank - the best cash settlement for individual entrepreneurs for 0 rubles

Pros:

• unlimited number and volume of operations on the account;
• free replenishment of the account from your card (up to 75 thousand rubles);
• cheap card service (300 rubles);

Minuses:

• cash withdrawal from 1 million rubles. - up to 20%;

One of the most, if not the cheapest bank with cash settlement for individual entrepreneurs and LLCs. For individual entrepreneurs, more loyal conditions and favorable rates. Commissions are minimal, and if your turnover is not too high, you can do without them altogether. And you can always start with a tariff without a subscription fee.

Sberbank - tariff for 0 rubles in the most reliable bank

Pros:

• free payments to individuals up to 300 thousand rubles. per month;
• free cash deposit from 30 to 500 thousand rubles;
• when opening an account, clients are given gifts for business development (discounts for advertising campaigns and personnel services);
• commissions for withdrawing cash from a corporate card through Sberbank ATMs - 1.4%;

Minuses:

• high monthly fee;
• high cost of one payment - up to 100 rubles.

Sberbank also has free settlement and cash services. So, if you are an aspiring entrepreneur and are looking for a reliable bank, you can go to the most well-known company. True, on a simple tariff there are only three payments per month, you will have to pay for the rest. And the next tariff is already 990 rubles.

Tinkoff - from 490 rubles with clear conditions

Pros:

• round-the-clock intrabank payments;
• high interest on the account balance - 8% (in other banks it is not more than 5%);
• low cost of one payment order (up to 49 rubles);
• up to 1 million rubles can be transferred to Tinkoff cards from an account. no commission.

Minuses:

• lack of offices, all issues are resolved only remotely;
• inflated interest for cash withdrawals from the account: more than 400 thousand rubles. - 5%, from 2 million rubles. - fifteen%.

There are no free tariffs for RKO in Tinkoff, at least 490 rubles. you have to pay per month. And if you work with foreign exchange transactions, then twice as much, since you will need to open an additional foreign currency account. But up to 150 thousand per month can be withdrawn to debit card Tinkoff + an additional 250 tr. on his credit card.

ExpertBank - interest on the balance on the TP for 0 rubles.

Pros:

• free cash withdrawal up to 700 thousand rubles. (not every bank has such a benefit);
• interest is accrued on the balance monthly - up to 5% per annum;
• There are no restrictions on the number and volume of transactions.

Minuses:

• cash withdrawal from an individual entrepreneur's account from 1 million rubles. per day - 15%.

There is a simple tariff for 0 rubles. for start-up entrepreneurs. Cheap payment orders from 18 rubles. Any TP accrues interest on the balance - up to 5% per annum.

UBRD - free of charge without account movements

Pros:

• services in a package with a discount of up to 50%;
• free connection of merchant acquiring;
• currency control of one contract - 900 rubles;
• the cost of one payment is up to 27 rubles;
• 24/7 account management and making payments via internet banking.

Minuses:

• paid connection of the tariff (for example, according to the tariff "Economy" they charge 650 rubles for a subscription fee and 1000 rubles for connecting the tariff);
• business day until 18:30 (external payments are executed only until this time);
• transfers to individuals up to 1 million rubles. - 5% (whereas in other banks this commission is not more than 3%).

The first few months, depending on the tariff, no commission. But then the subscription fee is about 900 rubles, not counting the Economy tariff, where this is possible only if there are no movements on the account. Payments are free, on simple tariffs for 27 rubles.

Promsvyazbank - from 399 rubles per month

Pros:

• a wide range of tariffs;
• when opening an account, they give as a gift several months of using accounting services: 1C, Elba, My business, Kontur.Accounting;
• urgent currency control - 500 rubles;
• relatively low commission for cash withdrawals: up to 2 million rubles. - 6%

Minuses:

• high cost of one payment - 90 rubles;
• currency control at least 749 rubles. (0.3% of the transaction amount).

It is more suitable for large and medium-sized businesses than for individual entrepreneurs, since the tariffs, with the exception of the starting one, are quite high. Plus considerable commissions for currency control, payment orders and withdrawal of money from the account. But one of the reliable banks.

Best cash management service 2019

The highest subscription fee for settlement and cash services is noted in the Eastern Bank. But at the same time, for this cost, the client receives several free payments and reduced commissions for replenishing the account.

Service packages for 0 rub., on the contrary, involve relatively high prices for payment orders and large commissions for depositing and withdrawing cash (such programs are ideal for newly opened individual entrepreneurs or entrepreneurs with a small number of banking transactions).

Most cheap account replenishment provided for in ModuleBank: in the "Optimal" and "Unlimited" tariffs (free cash deposit at the bank's offices). Convenient conditions for withdrawals offers ExpertBank(up to 700 thousand rubles can be withdrawn without commission).

Almost every organization makes its customers discounts for advance payment for several months in advance. AT Delobanke Entrepreneurs can freely use the extended package of services "Major League" for a month. This is good opportunity assess the quality of service and the benefits of the tariff.

In addition to opening and maintaining an account, you can arrange additional services. Promsvyazbank offers favorable terms for currency control, here is one of the lowest prices for urgent control of foreign exchange transactions - only 500 rubles. Although in the same Modulanque- it will cost only 300 rubles. Tochka has some of the highest commissions for withdrawing and depositing funds, but there are quite attractive conditions for merchant acquiring (from 1.3%).

Corporate cards with a minimum commission for cash withdrawals can be issued at Sberbank, here you can also replenish your account with large amounts for free.

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Individual entrepreneurs have the right to work only with cash or receive payment for the services rendered on the bank card of an individual. In this case, you will not have to pay for banking services, but there are a number of serious disadvantages and limitations:

• It is difficult to control and analyze financial flows;
• The maximum amount of cash settlements within one contract cannot exceed 100,000 rubles;
• You can lose a large share of potential customers, as the percentage of people who prefer to pay contactless is growing every day bank card or smartphone. Cash payments are losing popularity, and transferring to an individual's card through an online bank is not convenient for the buyer, causes mistrust and dissatisfaction;
• There are more questions from the tax authorities, as it is difficult to distinguish between personal and work money.

Therefore, the presence of at least one current account is mandatory from the point of view of development and business prospects. This is an indicator of the seriousness and reliability of IP for counterparties, the possibility of obtaining profitable credit and investment offers, convenience and significant time savings.

How many accounts can an individual entrepreneur open

According to the law, in order to successfully conduct business, an entrepreneur can have any number of accounts. The decision depends solely on the needs and specifics of a particular business. Opening accounts with free maintenance in several of the 14 banks in the city will undoubtedly add advantages for individual entrepreneurs:

1. Selection of the most favorable cash settlement tariff for each type of transactions;
2. Simplification of mutual settlements with partners;
3. Reliability, independence from technical failures;
4. Ease of separating cash flows for different lines of business;
5. Strengthening security and increasing the safety of confidential commercial information;

However, the costs of settlement and cash services increase, additional time is required to control financial transactions.

Account opening procedure

Today, the level of competition in the banking sector is extremely high. The service is focused on the client, the needs and wishes are taken into account as much as possible, the most modern technologies are used. The cost of opening an account for an individual entrepreneur in Moscow starts from 0 rubles at the Starting tariff (Modulbank) and can reach a maximum of 500 rubles at Razvitie-Stolitsa bank. To conclude an agreement, you must contact a financial institution with an application and a package of documents.

Attention! If an entrepreneur applies in person and plans to manage the account on his own, one passport is enough!

In the case of an authorized representative, it is required to provide a passport and a notarized power of attorney. In some situations, additional documents may be required:

• License or patents, if the type of activity is subject to licensing;
• License if the work is related to state secrets;
• State contract or extract from it in the presence of a state order;
• SNILS, for working with electronic document management or accounting services.

If payments will be made only electronically, it is not required to provide a card with sample signatures. Opening a current account in most cases takes place in one day, or no later than the next business day.

Attention! The bank will independently notify the tax office of this, Pension Fund and the social security fund.

AT recent times more and more banks are starting to open accounts online without visiting a physical branch. After submitting an application on the page, an account number is reserved for you within a few minutes and you can already start accepting payments to it. A service contract special officer the bank will deliver you to your office or home the next day.

Choosing a reliable bank in the city of Moscow and the optimal rate

So that one day an individual entrepreneur is not left without honestly earned funds, it makes sense to choose only reliable banks with a proven reputation and a high rating, which are included in the state deposit insurance system (DIA). Next, you should be guided by convenience and cost. Important:

• Availability of Internet banking and mobile application;
• Location of branches in Moscow;
• Working hours, since even electronic payments are made during business hours;
• Transaction speed; customer feedback on the quality of service.
• The advantage may be the presence of branches and branches in other cities.

The main criteria for choosing a tariff plan:

• The cost charged for opening;
• Monthly payment for cash settlement services and its components - from 0 rubles at S tariff (Sphere) to 4900 rubles at Modulbank;
• The price of connection and monthly maintenance of the online bank;
• The price of each cashless transfer operation is in excess of the free package; starts from 0 rubles in the tariff Required minimum (Point) and reaches 199 rubles in Sberbank;
• Commissions for depositing and withdrawing cash;
• Interest on balance.

In the article we will figure out where to open a checking account in 2020. Let's consider the tariffs for opening, maintaining an account and the conditions of cash settlement services of popular banks. And you will also find out if a current account is needed for individual entrepreneurs and LLCs, and who notifies the tax office of its opening.

Where to open a current account - comparison of tariffs

If you are faced with the task of choosing a bank to open an account, then you need to take into account many parameters: its reliability rating, the range of additional services, the quality of service, etc. Service prices often play a decisive role.

We have prepared for you a table with tariffs for maintaining an account in popular banks:

And now let's take a closer look at the advantages of cash settlement services in each of the banks.

Tinkoff Bank

Tinkoff has received an A-level credit rating from ACRA and has repeatedly confirmed it. The operating day in it lasts from 01:00 to 20:00 (MSK). For an external payment, you need to pay from 19 to 49 rubles. depending on the connected service package. At the same time, on the TP "Simple" and "Advanced" the monthly fee already includes 3 and 10 free payments, respectively.

For cash withdrawals on the card, you will have to pay at least 1% of the amount plus 59 rubles. But on the other hand, individual entrepreneurs will be able to transfer from 400 thousand to 1 million rubles to their own Tinkoff cards without commission. You can receive up to 6% on the balance of your own funds on the account.

When opening an account with Tinkoff, you will receive free bookkeeping, as well as the opportunity to use a huge number of additional services (free salary project, bank guarantees, acquiring, etc.). From 3 months of service, you can connect an overdraft.

Mobile and Internet banking in Tinkoff has repeatedly received high marks for efficiency. And any questions can be resolved with a personal manager via chat.

Dot

The dot is a project of FC Otkritie bank. The Golden Mean TP provides 10 free payments to other banks, and the All the Best at Once tariff will already have 100 of them. If this amount is not enough, then you need to pay 60 or 15 rubles for each next transfer, respectively. At the TP "Required minimum" all transfers, including physical. individuals are free. External payments are processed from 00:00 to 20:00 (Moscow time), while internal bank payments operate around the clock.

You can withdraw cash without commission at the “Required minimum” tariff, as well as up to 100 thousand rubles. - with the connected package of services "All the best at once". In all other cases, you will have to pay at least 1.5% of the amount received.

Internet Banking Points can be easily integrated with any popular accounting programs and services. A free mobile application is available to interact with the bank outside the office. On the “All the best at once” tariff, a 2% cashback is returned for paying taxes.

Modulbank

Modulbank specializes in servicing individual entrepreneurs and small companies. Payments are made from 01:00 to 20:45, and the cost of each payment is from 19 to 90 rubles. On the "Unlimited" tariff, all payments are free. You can withdraw up to 50 thousand rubles from a business card without commission. on the TP "Optimal" or up to 100,000 rubles. when using the "Unlimited" package. In other cases, the bank commission will be 2.5%.

Up to 7% per annum is accrued on the average monthly account balance. In Modulbank's Internet bank, you can not only manage your account, but also view analytics or connect additional services: acquiring, salary project, accounting, online cash desk, etc. Modulbank's accounting services are free for individual entrepreneurs at the simplified tax system of 6%.

Sovcombank

Sovcombank is a large bank with a wide network of branches and good reliability indicators. According to ACRA, he was assigned an A rating. Making an external payment costs from 15 to 50 rubles.

Cash withdrawal for salary is possible with a commission of 0.5%. Upon receipt of cash on the household. needs and other purposes the tariff will be from 1.1 to 15%.

BCS Bank (Sphere)

BCS Bank placed great emphasis on servicing legal entities and individual entrepreneurs. And he opened a separate service Sphere with very favorable rates. There is a free tariff, payments from 25 rubles, convenient Internet banking and a mobile application, reporting to the tax office, etc. The sphere will compete well with market leaders Tinkoff, Tochka and Modulbank.

Loco-Bank

The cost of an external payment at the bank will be from 19 to 89 rubles. 0.6% is withheld for cash withdrawals to pay salaries. When receiving cash for other needs, the commission will be higher - from 3%. When you connect the "Unlimited" package, you can withdraw up to 300 thousand rubles from your account for a calendar month for free.

An individual entrepreneur can transfer up to 500 thousand per month from his account in Loko-Bank to his own account of an individual. persons without commission. Account replenishment is available throughout Russia both in Loko-Bank's own branches and through a partner network.

For account management, access to a convenient Internet banking system is provided. Free funds can be placed on deposits, and if there is a shortage of own money, Loko-Bank will issue a loan together with the SME corporation.

Promsvyazbank

At present, DIA owns 100% of PSB shares, and in the future it is planned to create a base bank on its basis to service the State Defense Order.

Promsvyazbank's tariffs include from 3 to 30 free external payments. Each additional payment will cost 18 - 110 rubles. depending on the selected package. External payments are processed on the current day until 20:50.

Withdrawing cash from an account for an individual entrepreneur will cost at least 1.4%. Jur. funds from the account are issued to persons at a rate of 0.5%.

Alfa Bank

Alfa-Bank is one of the largest credit institutions in the Russian Federation. High level its reliability is confirmed by ACRA (rating AA). External payments are sent from 01:00 to 23:30 (Moscow time). The cost of the payment will be from 0 to 30 rubles. depending on the included package. Many service packages include 3 - 30 external payments.

Withdrawing cash from the card will cost at least 1.5% of the amount. In the tariffs "Wholesaler" and "All you need" you can cash out 150 and 500 thousand rubles, respectively, for free. Regardless of the connected service package, an individual entrepreneur can transfer up to 100 thousand rubles to a personal account for free.

You can deposit money into accounts and withdraw them through Alfa-Bank ATMs throughout the Russian Federation, and for the convenience of account management, Personal Area website and app. When concluding a cash settlement agreement, a credit institution gives gifts and discounts from partners in the amount of up to 150,000 rubles.

Sberbank

It is the oldest and largest bank in the Russian Federation. The controlling stake in the financial institution is owned by the state. Payments are made daily from 7:00 to 23:00. The cost of a payment is from 10 to 100 rubles. The tariffs include from 3 to 100 free payments.

Maintenance of a business card will cost 2,500 rubles. for the second year, and withdrawing money from an ATM using it - at least 1.4% of the amount received. Regardless of the chosen tariff, an individual entrepreneur can transfer up to 150,000 rubles to a personal card in Sberbank for free. per month.

Sberbank will not only open an account for business, but will also offer many support services (online cash registers, accounting, guarantees, etc.). The account is managed through Sberbank Business Online, which integrates with any accounting software.

When concluding an agreement, Sberbank gives gifts from partners for a total amount of up to 100 thousand rubles.

UBRD

UBRD is a large bank among the TOP-50. The cost of the payment, depending on the tariff, will be 25 or 79 rubles. In addition, 10 payments are included in the Economy TP. On the current banking day, only external transfers sent before 18:00 are processed. IP without additional charge. commissions can transfer up to 300 thousand rubles to a personal account. per calendar month. Withdrawing funds from the account will cost at least 1.1% of the amount.

Opening

External payments in the bank are carried out from 00:00 to 20:00 (MSK). For each of them you will have to pay 25 - 100 rubles. The packages include from 3 and 15 free payments, and the "Open Opportunities" tariff plan does not charge for transfers.

To the accounts of physical persons can be transferred without commission up to 500 thousand rubles. per calendar month, regardless of the connected service package. For cash withdrawals, 1-10% is charged, depending on the connected tariff and the amount of the transaction.

SKB-bank (DeloBank)

SKB-Bank is a large bank based in Yekaterinburg and actively developing throughout Russia. As part of its online version - DeloBank - 5 tariffs are available with payments for 25 - 87 rubles. (0 rubles - at the Major League TP). When concluding an agreement, a business card is issued as a gift for depositing and withdrawing cash, as well as non-cash transactions. Getting money from an ATM on it will cost at least 2%.

All paid tariffs provide for the accrual of interest on the balance. It is also possible to open a deposit. In the Internet banking system, you can manage not only a settlement account, but also a personal account of an individual. faces.

Eastern Bank

KB Vostochny is registered in the Amur Region, but actively works with clients throughout Russia and is one of the leading banks Far East. The base cost of an external payment is 35 rubles. Many packages include free payments: 5 pcs. - in the tariff "Your start", 15 pcs. — “Your online”, 30 pcs. - "Your success", 60 pcs. - "Your Scale" and an unlimited number - in the "Your Unlimited" TP.

Cash withdrawals will cost at least 1.2% of the amount received. Without interest, you can withdraw from 10 to 500 thousand rubles. depending on the chosen tariff. There is no fee for using Internet banking, and when opening an account, Vostochny automatically approves an overdraft.

Vesta Bank

Vesta served only wealthy clients for a long time, but then switched to providing services to small businesses. An interbank transfer will cost 20 rubles (at the Startup TP - 89 rubles, at the All Inclusive TP - 200 payments are included in the tariff).

Commission for receiving cash on households. needs will be from 1%. Individual entrepreneurs can transfer money to personal accounts up to 500 thousand rubles without commission. (at TP "Startup" - 300 thousand rubles).

Access to Internet banking is provided free of charge. If necessary, you can connect a salary project, acquiring or open a foreign currency account.

Raiffeisenbank

Raiffeisenbank is part of a large Austrian holding and has excellent reliability indicators (ACRA rating - AAA). The cost of an external payment in excess of the number of services included in the package will be 25 rubles. This price is the same for all tariffs.

The commission at Raiffeisenbank for issuing cash for salaries will be 0.5% of the amount, and for all other purposes - at least 1.6%. At the expense of physical persons can be transferred free of charge up to 30 - 700 thousand rubles. depending on the rate.

Where is the best place to open a bank account?

Here is a list of the best banks for opening an IP account:

• Tinkoff Bank.
• Dot.
• Modulbank.
• Loco-Bank.
• Promsvyazbank.
• Sphere (BCS Bank).
• Delo Bank (SKB Bank).

Where is the best place to open a bank account?

List of the best banks for opening an organization account:

• Tinkoff Bank.
• Dot.
• Modulbank.
• Loco-Bank.
• Alfa Bank.
• Sberbank.
• Promsvyazbank.
• Eastern Bank.

Banks that open a current account for free

The term for opening an account in many banks takes literally 1 hour. Thanks to modern technologies, this procedure is fast, and entrepreneurs do not need to visit bank branches. Through the Internet, you can reserve an invoice, a contract and other documents will be brought by a courier.

Such a simple procedure for opening an account is free of charge for businessmen. Credit institutions that do not charge a fee for this operation include:

• Tinkoff Bank.
• Dot.
• Modulbank.
• Loco-Bank.
• Alfa Bank.
• Sberbank.
• SKB-bank (DeloBank).
• Promsvyazbank.
• BCS Bank (Sphere).
• Vesta Bank.
• Eastern Bank.
• Raiffeisenbank.
• Sovcombank.

Modulbank, Tochka, Loko-Bank, Sfera, Delobank and others are also ready to offer tariffs without a subscription fee. Other banks (for example, Tinkoff, Alfa-Bank) offer up to 2-3 months of free maintenance of a new account.

A package of documents for opening a current account for individual entrepreneurs and LLC

When opening an account, a bank needs a certain package of papers. Preparing the necessary documents will not take you much time.

IP will need a passport and OGRNIP. If the account is opened by a representative, a power of attorney will be required.

Important! The possibility of opening an account by proxy must be clarified in advance with the selected bank. Not all banks open accounts through third parties.

List of documents for opening an LLC account:

• Constituent documents (Charter, Memorandum of Association, decision on creation, etc.).
• Documents for the head (passport, protocol or decision on appointment to the position).
• Certificate of ownership or office lease agreement (not required by all banks).
• Other documents at the request of the bank (certificate from the tax office or the latest accounting reports, etc.).

Is it necessary to open a checking account?

The legislation does not oblige an individual entrepreneur to open a current account, but an LLC is required. But doing business with it is much more convenient.

We must not forget about the restriction on the maximum amount of a cash transaction in 100,000 rubles. Not all companies are ready to renegotiate contracts so as not to violate this rule, and most large suppliers refuse to accept cash payments for goods (services) at all.

Should I notify the tax office about opening a current account?

Until May 2014, when opening an account for individual entrepreneurs and legal entities. persons were required to submit a notification to the IFTS and insurance funds. But now this responsibility has passed to the banks. In fact, when opening an account, it is enough to submit an online application to the bank and prepare the documents. Bank employees will take care of the rest of the work.

We were happy to help you! If you have questions, please contact in the comments.

There are many banks in the Russian Federation that provide individual entrepreneurs with the opportunity to receive settlement and cash services (RKO) in their branches. It is easy to get confused in the variety of offers. The greatest difficulties arise for beginners, who often do not understand what exactly they should pay attention to when choosing. An answer can only be obtained by analyzing existing proposals.

An individual entrepreneur can carry out his activities without opening a current account. By law, an individual entrepreneur cannot be forced to such an action, but one should be aware of the restrictions regarding the receipt of non-cash payments without r / s. A formalized current account opens up a huge number of additional opportunities for a businessman. AT modern world doing business without banking support is difficult and unprofitable.

When choosing a financial institution in which IP will be subsequently serviced, it is necessary to approach the issue responsibly. The right choice will save money and make cooperation easy and enjoyable.

What should you pay the most attention to:

• Service cost. Most banking institutions offer a minimum package of services for free, and with an increase in their number, the price also increases.
• The branching of the banking network. This is an important aspect, since the lack of branches or terminals nearby can seriously complicate operations.
• Availability of Internet banking with a multifunctional system specifically for small businesses.
• The ability to later change the initially selected tariff, if required by the business.
• Additional banking products. When expanding your business or when you need to connect other services, such as acquiring, it is convenient and profitable to connect them in the same bank where the cash settlement is carried out. Therefore, attention should be paid to the capabilities of the organization.
• Issue of plastic cards for individual entrepreneurs. Their presence facilitates the withdrawal and crediting of money to the account, and also simplifies settlements in other areas.

But the first thing you should pay attention to when choosing a financial institution is reputation. The bank must have good ratings on domestic and global rating platforms.

TOP 5 financial institutions with the best cash settlement deals

Banks are constantly in the process of expanding their capabilities, and therefore the conditions that they offer to their customers are subject to change. That is why, when analyzing financial institutions, it is important not to rely solely on the conclusions of others, but to resort to your own analysis. However, there are several large banking systems that have long and successfully competed in the cash settlement market for individual entrepreneurs. In 2019, the TOP-5 includes the following banks:

1. Sberbank.
2. Tinkoff.
3. Dot.
4. Opening.
5. Alfa Bank.

Bank Tochka

Bank Tochka ranks first in the ranking, as it serves only small business owners. Such a narrow focus allowed us to develop optimal conditions for opening a current account and its further maintenance. Bank Tochka is part of financial group"Discovery", which gives him serious legal and technical support.

Tochka specialists go to the future client and draw up agreements with the individual entrepreneur in a place convenient for him. It takes no more than 60 minutes to activate the account. The point offers entrepreneurs:

1. A wide range of tariffs for RKO. Each businessman can choose for himself the conditions that satisfy his needs.
2. The opportunity to use the services of partner services for a bonus amount of 225,00 rubles.
3. Minimization of time limits for making payments. Transactions between the bank's clients can be made around the clock, and with other financial institutions 21 hours a day.
4. Tochka mobile application that allows you to manage money and track ongoing transactions.

In addition to everything, the entrepreneur receives a corporate plastic card free of charge and can use Internet banking unlimitedly.

"Tinkoff"

Tinkoff Bank actively introduces the most modern technologies and systems into its work. This is what allowed them to become leaders in a short time and hold this position for many years. This organization operates exclusively online.

To open a settlement account, it is enough to leave an application on the official website of Tinkoff. It is considered as soon as possible and upon approval, the account is activated within five minutes. This banking organization offers IP:

1. Free service for the first two months for all businessmen, and for new entrepreneurs for six months.
2. Round the clock service and advice.
3. Each client is assigned a personal manager, who leads the RKO.

Tinkoff syncs with all types of online accounting.

"Opening"

Otkritie Financial Group enables small business owners to open a checking account free of charge. The cost of monthly maintenance directly depends on the chosen tariff.

Otkritie offers its customers the opportunity to:

1. Remote cash management.
2. Reservation of online applications.
3. Sending urgent payments.
4. Use of a mobile application for account management.
5. Operations without time limits - 24/7.
6. Transfer of tax and customs payments without charging a commission.

A report on the transactions carried out is sent to the phone in the form of SMS and e-mail.

Sberbank

Sberbank holds a leading position due to the branching of its network and a huge client base. The undoubted advantages of this institution include:

1. Reliability.
2. A variety of tariffs for individual entrepreneurs, allowing you to apply an individual approach when opening a settlement account and choosing a package of services.

Sberbank offers new business clients a free Easy Start service package.

"Alfa Bank"

Alfa-Bank has long been very popular among owners of small and medium-sized businesses. This financial institution offers the following conditions for individual entrepreneurs:

1. Opening a bank account without visiting a bank.
2. Free settlement of accounts in the absence of movements on the account.
3. Providing an overdraft facility.
4. Issuance of a free plastic card to an open account.
5. 15 months of online accounting as a gift.

When paying for a package of services for 9 months in advance, three months are given as a gift.

Other banking organizations

There are dozens of banks in the Russian Federation, and each of them offers certain services for servicing cash and settlement services for individual entrepreneurs:

• VTB - makes all budget payments without charging a commission and has a large number of additional services that facilitate the work of a business.
• Promsvyazbank offers three months of free service to customers who have activated the Business Light and 24/7 tariffs. Makes payments around the clock.
• “Internet banking for business “Light” from the Ural Bank for Reconstruction and Development was recognized as the best in 2018.
• "Modulbank" - works exclusively online, makes an account reservation in 5 minutes.
• Raiffeisenbank - makes all interbank payments at the expense of a monthly service fee.

The list could go on and on, but the listed organizations are the most popular in 2019.

Pros and cons of offers from banks from the TOP-5: table

All banks open and close an account free of charge, and do not charge a fee for using Internet banking.

Can a bank refuse to open an IP account?

Banks are interested in attracting new customers. But despite the desire of financial institutions to expand their corporate network, they may refuse to open an account for applicants. There may be several reasons for this decision:

• The application was incorrectly filed.
• The statement indicated incorrect information about company.
• The required list of documents is not complete.
• The applicant cannot verify his identity.

Financial institutions are actively cooperating with each other, therefore, they create common databases where certain information is entered for general use. The refusal may follow due to the fact that several banks have previously refused to register an individual entrepreneur - this may alert specialists when considering an application.

If a bank's license is revoked, what happens to the current account?

When a license is revoked from a bank, accounts are automatically frozen. All funds transferred to them will be automatically returned to senders, and it will not be possible to withdraw the balance either. Automatic closure of the account is carried out only after the liquidation of the institution. An individual entrepreneur can return funds in two ways:

1. Amounts up to 1,400,000 are insured and are returned within two weeks to another account specified by the entrepreneur.
2. More than the specified amount will have to be returned in court, which is difficult and not always possible.

A businessman should always have up-to-date information on the movements made on the account at hand. This will allow, if necessary, to quickly collect a package of documents for filing a lawsuit in court.

Conclusion

When opening a current account, not only the initial discount on cash settlement is important, but also its cost later. But the most important criterion is the mobility of the organization, how timely it is oriented in a rapidly changing space. Today, one of the main qualities of a successful bank is considered to be its synchronization with accounting online and the possibility of connecting additional functions, such as acquiring, etc.

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. There are dozens, if not hundreds of banks on the Russian market that offer their cash services to individual entrepreneurs. 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:

1. 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.
2. 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.
3. 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.
4. 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.
5. 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, currency control services. Many financial companies offer clients bookkeeping, legal support, services for checking counterparties, 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 suggest that you familiarize yourself with financial organizations for maintaining an IP account, which 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:

1. 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.
2. 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.
3. good earnings, 1090 rubles. Classic tariff for ordinary business. Assumes more favorable conditions for depositing proceeds into the account. The package includes 10 free payments.
4. 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.
5. 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:

1. 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.
2. 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.
3. Own business, costs 1290 rubles. Special Program for clients who make many payments, work with different counterparties. 15 payments for free, then - at a reduced price.
4. The whole world, 1990 rubles. A separate program for entrepreneurs who work with foreign partners. As part of the tariff, currency control services and an individual conversion rate are provided.
5. 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:

1. 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.
2. Golden mean, costs 500 rubles. The name speaks for itself, this is a classic average fare. It includes 10 free payments.
3. 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:

1. 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.
2. Best start, 490 rubles. Another tariff for a small business, but with more features. The package includes 3 payments.
3. Good choice, 1690 rubles. Tariff for those who make many payments. 10 payments included, then the cost is 25 rubles per payment.
4. All you need, costing 9900 rubles. Free payments and transfers, opening foreign currency accounts, replenishment of the account, plus accrual of interest on the balance.

Also, Alfa Bank has developed separate tariff plans for companies that conduct international activities and wholesale 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 need to leave your office or home. This is another bank that has built its work remotely. Moreover, he submits the details of the current account immediately on the day of submitting the online application.

Tinkoff business service packages:

1. 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.
2. Advanced, 1990 rubles. Reduced fee for making payments, up to 6% are accrued on the balance of funds.
3. 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.

1. Starting, 0 rubles. All payments are charged identically - 90 rubles each.
2. 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.
3. 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:

1. 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.
2. After submitting a remote application, a manager will call you back, who will help you navigate the tariffs and tell you what you need to open an IP bank account. Usually only a passport and registration certificate are required.
3. 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.
4. 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.