Where is it profitable to open a current account? Which bank is better to open a current account for individual entrepreneurs? Is it necessary to open a current account?

An entrepreneur will not be able to develop a business operating only in cash - he will have to open a bank account for an individual entrepreneur. This will significantly expand the number of counterparties, control cash receipts and write-offs, and also get a lot of customers who prefer to pay by card. There is another reason: the limit on cash transactions within one agreement is only 100,000 rubles. Below we will describe in detail how to open a current account for individual entrepreneurs in 2020.

How to choose a bank for an individual entrepreneur

An individual entrepreneur's current account is not just a tool for working with funds, but also an indicator of the seriousness of the business. The funds used in the business pass through the account, and this is not the individual’s personal money. They can become such only if the individual entrepreneur withdraws them from the account or transfers them to an individual’s card marked “for personal needs.”

When choosing a bank for an individual entrepreneur, the following points are important.

• Distance from place of work. Do you plan to process money transfers using regular paper payments, regularly collect statements and deposit cash? Then you need to choose a bank that is closest to your workplace or on your way from home to work.
• Operating mode. The longer the working day at the bank, the better. For Internet banking clients, this nuance is also important - all operations, even electronic ones, are carried out strictly during bank business hours.
• Availability of Internet service. The most convenient bank for individual entrepreneurs is electronic. There is no need to run anywhere with payments and constantly call the operator asking to check receipts. It is enough to open the desired page on your computer and update it regularly at any time and from anywhere. Some banks offer mobile versions online banking for tablets and smartphones.
• Additional business tools. As part of the online service, large banks offer built-in consulting products - generating payments, checking counterparties, receiving statements, certificates, reconciliations, etc.
• Convenient tariff plan. You can profitably open a bank account for an individual entrepreneur by comparing offers and choosing the minimum tariff. But be sure to check what's behind it. Banks charge both for opening an account and for its monthly maintenance. Free opening often does not mean the cheapest tariffs, as well as a special offer with free service for the first 1-2 or 3 months. Estimate in advance how much monthly maintenance will cost after the grace period.

A bank for individual entrepreneurs must have a reliable reputation, a high rating, be on the register of the Central Bank of the Russian Federation and be a member of the deposit insurance system. According to analysts, Alfa-Bank, Tinkoff, Promsvyazbank, Modulbank, Tochka meet these criteria in 2020. They offer the most profitable terms cooperation for entrepreneurs.

Are you planning to open a current account? Open a current account in a reliable bank - Alfa-Bank and receive for free:

• free account opening
• first account in foreign currency
• certification of documents
• Internet bank
• and much more

What fees does the bank charge from the account holder?

In addition to the fee for opening an account, its owner needs to be prepared for the following payments.

• Monthly maintenance. In some banks it is tied to the number of transactions. If they are absent, payment may not be charged. But each bank has its own rules, which you should familiarize yourself with in advance.
• Connecting a remote service. Payment for Internet banking services is either included in the monthly payment or charged separately.
• Regular remote maintenance. It is not enough to pay to connect to the service; you will also have to pay for its use, because the system is constantly updated, new tools and capabilities are added.
• Processing payments. Not all banks have a commission for each payment; there are package offers with a fixed number of free transactions.
• Cash withdrawal. For each withdrawal you will have to pay a percentage set by the bank or an agreed amount.

When assessing where to open a current account for the business needs of an individual entrepreneur, calculate all payments. It may turn out that a bank with a minimum fee or nothing at all for opening an account has high service rates and the provision of remote services.

What is needed to open a bank account for an individual entrepreneur

You can open a bank account for an individual entrepreneur only upon application. Copies of the following documents are attached to it:

• passport - all pages;
• certificate of registration as an individual entrepreneur or registration sheet of the Unified State Register of Individual Entrepreneurs;
• tax registration certificate;
• notification from Rosstat with statistics codes.
• license (if available).

The application itself is filled out on the bank's form - everyone has their own. Having collected the above package, go to the selected credit institution.

What documents are required when opening an account?

Contact your consultant with a question about how to open a current account for an individual entrepreneur and tell him that you have the entire package of documents with you. You will be taken to see a specialist in working with entrepreneurs. Next, you need to complete the following mandatory papers.

• customer profile;
• agreement for opening a current account for an individual entrepreneur;
• contract for maintenance and connection of Internet service;
• card with sample signatures.

All this is completed within one day. Usually the account is ready for use the very next day - the client is given its number and registered in the online banking system. But it is activated only after payment for the account opening service. Banks charge it differently - some charge it from the first receipt into the account, while others practice payment in cash at the cash desk.

The registration procedure itself at a bank office takes a lot of time. Pre-booking will help you save money. To do this, just leave an application on the bank’s website to open a current account. The manager will contact you, clarify the details and send you to email forms. Once completed, they must also be sent to the manager. After this, the time of the visit to the bank is agreed upon. When the client arrives, everything is ready - all that remains is to resolve the issue of payment.

What to do immediately after opening an account

Until May 2014, there was an obligation to mandatory notify the Federal Tax Service, the Pension Fund of the Russian Federation and the Social Insurance Fund about the opening and closing of a current account. 7 days were given for this. The amendments to Federal Law No. 59 dated 04/02/2014 that came into force canceled this obligation. Now banks independently notify the tax authorities, Pension Fund and social insurance on opening and closing an individual entrepreneur’s current account.

To withdraw money for personal needs from an individual entrepreneur’s current account, it is recommended to have a card with the ability to accept money transfers. Funds can be transferred to it, indicating “withdrawal of money for personal needs” in the purpose of payment. The card must belong to the same individual as the individual entrepreneur’s current account.

Any businessman is faced with the need to make payments to his clients, suppliers, and partners. Carrying out such transactions in cash is extremely inconvenient, and sometimes even illegal. Therefore, individual entrepreneurs must choose the most suitable bank for settlement and cash services.

What to look for when choosing a bank and cash settlement tariff

Cash settlement services (CSS) are a range of services that allow business representatives to conduct their activities as comfortably as possible. When interacting with a bank, an entrepreneur often operates with large sums, so the selection of a suitable financial institution must be approached carefully. When conducting a search, it is necessary to evaluate a whole range of factors:

• Bank reliability. You can evaluate it by studying the ratings of experts and agencies. It would be a good idea to find out the history of the bank: how long it has been operating on the market, who the founders are, whether there is government participation. The financial indicators of the organization (size of assets, profit) will also be objective factors for assessment. If it is difficult for an entrepreneur to independently evaluate such a large amount of information, you can at least study the ratings of various agencies and their designations. The most accurate and verified information on Russian level provided by the rating agency RAEX (“Expert RA”).
• Features of opening an account. The most important factor is cost. Too high costs for maintaining a current account will be unprofitable for the entrepreneur, so the price for servicing remains today one of the key points. Additionally, you should pay attention to the speed of opening the account. When assessing the cost of service, you need to take into account the range of services included in the basic package. Some banks may offer to open an account and maintain it for free, but charge a large commission for conducting transactions.
• Speed ​​of calculations. For entrepreneurs, this parameter is very important, because if there are delays in transfers, problems may arise with suppliers, partners and clients. It is very good if the bank makes payments instantly. Some financial institutions allow you to transfer money without delays using online banking. In many ways, the speed also depends on the length of the operating day at the bank. For example, if it works around the clock, then money will be transferred to the entrepreneur or his counterparties as quickly as possible.
• Availability of remote banking systems. Large banks offer their clients Internet banking systems, mobile banking, and SMS notifications. All this makes interaction with a financial institution as comfortable as possible. An entrepreneur can make payments and transactions without leaving home or while at work.
• Scope of services. This includes consulting support, working with a personal manager, speed of foreign exchange services and the ability to use additional services bank (loans, overdrafts, credit cards, acquiring, collection). If a financial institution cannot provide the full range of services required by an entrepreneur, then it is worth abandoning it and finding favorable terms of service in another bank.

When searching for a bank, you should not forget about the level of security. The financial institution must guarantee the impossibility of theft/loss of funds in accounts. If there are remote banking systems, login to them should be carried out not using a simple password and login, but using SMS passwords or special keys.

Sberbank

Opening an account with Sberbank allows you not to worry about the safety of your own funds. Transfers here are made quickly, especially when using the Sberbank Business Online remote banking system. A wide variety of tariffs and the possibility of reserving an account are provided for customers. Sberbank often runs promotions, reducing the cost of service packages when paid for 3 or 6 months in advance. As a bonus, business owners receive 120,000 rubles as a gift to promote their company on the Internet.

Bank Point

In Tochka Bank you can open an account using any of the 3 tariffs presented for free. You won’t have to pay for its maintenance even if there is no turnover. The Economy tariff provides 3 free months of account management. The cash settlement terms in this bank are among the most favorable; the advantages include the absence of a commission for depositing cash, the ability to make free payments and receive limited amounts without commission, and the accrual of interest on the balance. Users will also be pleased with convenient modern Internet banking.

Tinkoff Bank

According to the analytical agency MarksWebb, Tinkoff Bank's RKO tariffs are considered the most profitable. The client can issue a corporate card for free, use Internet banking, and make payments using it at any time of the day. Interest is charged on the account balance depending on the amount and tariff plan. For 490 rubles, from the 4th month you can use the overdraft service. You can get from 2 to 8 months of free service, and if you actively use a corporate card, you won’t have to pay for it at all.

Raiffeisenbank

When paying for account maintenance for 12 and 24 months, respectively, you can receive free account management for another 3 or 6 months. It is possible to open an account in rubles and other currencies. You can get a number for making transfers in 5 minutes without contacting Raiffeisenbank. Customers are offered a choice of several tariffs, business cards for prompt payments, and convenient and understandable Internet banking. Data can be loaded and unloaded into 1C.

Modulbank

At Modulbank, the operating day lasts from 4:00 to 20:45, which allows you to make payments almost instantly. The bank offers some of the most attractive service conditions not only for beginning entrepreneurs, but also for those who have owned their own business for a long time. A clear range of tariffs allows you to choose suitable option and minimize your costs by taking advantage of all the amenities provided.

VTB 24

VTB 24 has developed a wide range of tariffs for its clients, allowing them to choose suitable service conditions. Here you can make payments not only through Internet banking, but also using mobile phone. And synchronization with 1C Accounting and “My Business” allows you to manage document flow as efficiently as possible. On the bank’s website you can select a tariff, send an online application to open or reserve an account.

URALSIB

URALSIB is actively developing services for business representatives. Cash settlement services here involve payment for opening and maintaining an account. The bank promises each client to choose the most favorable tariff. The advantage is the presence of a convenient, simple and understandable remote banking system. Transfers and payments here are made quickly, and with the help of a corporate card linked to the account, they can be made at any time of the day.

Alfa Bank

Alfa-Bank offers 5 different tariffs for clients. Additionally, an entrepreneur can use the designer and create an individual product, leaving only those options that he will use. Transactions to other banks are carried out until 20:30, and intrabank transfers - until 23:30. You can get a discount on services by paying for a year in advance. The savings will range from 20 to 25%. You can order an Alfa-Cash Ultra card for even more convenient use.

Bank Avangard

The cost of service at Avangard Bank for small businesses is reasonable. The prevalence of ATMs and branches allows you to easily withdraw and credit money to your account. You can also make payments in real time using online banking. Regardless of the tariff, the client is provided with an overdraft of 7% per annum, which allows him to use borrowed funds if necessary. When making transfers to other banks, a commission of 25 rubles is charged from each payment.

Rosselkhozbank

Opening a current account on favorable terms with Rosselkhozbank is provided for entrepreneurs working in the agricultural sector. A number of customers are also offered free service for several months. There is a subscription fee at an affordable rate, but for payment orders made through the RBS system you will need to pay only 9 rubles per piece.

Promsvyazbank

Promsvyazbank provides 7 service tariffs for small businesses with different costs for opening and maintaining an account. Beginners are offered virtually free service, while large companies are offered favorable conditions and ample opportunities. Having online banking allows you to make payments without time limits and at maximum speed. Corporate cards are available at no additional cost. The bank often runs promotions to reduce the cost of account maintenance or offers free maintenance for several months.

Rosbank

For representatives of small businesses, Rosbank offers uniform terms of service. Here you will have to pay for opening and maintaining an account, but all intrabank transfers will be free. The client gets access to Internet banking and SMS notifications and can use them without additional costs. Transfers to other banks will cost 30 and 250 rubles, respectively, when using Internet banking and paper media. For convenience, you can issue a transaction card for only 100 rubles to spend funds from your current account.

UBRD

To open an account at UBRD Bank, you need to contact the branch, but you can submit an application directly on the institution’s website. There are 4 tariffs available for clients, requiring a one-time payment from 0 to 7,500 rubles. A number of programs do not imply a subscription fee, for others it does not exceed 900 rubles per month. An undoubted advantage is the commission-free cash deposit. And you won’t have to pay for interbank payments under 2 out of 4 tariffs. The settlements themselves are made very quickly during the extended trading day.

OTP bank

You can reserve a current account at OTP Bank and receive details within 30 seconds. The institution also allows you to open an account for free, but there is a monthly fee for its maintenance. If you pay the amount for 3 months at once, you can get a 10% discount. For companies operating for less than 3 months, the discount increases to 50%. All clients are given access to the Internet bank and the opportunity to work in it free of charge. Some of the 6 tariffs allow you to get a gold card or connect to a salary project without depositing money.

Gazprombank

Gazprombank offers favorable terms of service, but you will have to pay 2,500 rubles to open an account upon initial application. Moreover, to do this you will have to contact the bank in person. The institution offers favorable conditions for crediting cash to an account (commission is 0.05% of the amount), a full range of services for servicing the account, including currency control. The special service “Client-Bank” allows you to make payments in short time with help electronic format or paper, but the latter will cost more.

Bank opening

At Otkritie Bank you can get the details of your future account in 1 minute. To open it, you do not need to visit a bank branch; it is enough to arrange a meeting with your personal manager. Account servicing will cost from 590 to 5,990 rubles depending on the tariff (there are 3 in total - “Promo”, “Comfort” and “Business”). Each program has a certain number of free external payments and the possibility of receiving interest on the balance. Connecting to Internet banking will not require additional expenses, in a convenient personal account You can view information on transactions, make a payment, and create a template at any time.

Vesta Bank is distinguished by the simplicity of the procedure for opening an account and the convenience of its subsequent maintenance. The main specialization of the institution is providing a wide range of services to representatives of small and medium-sized businesses. The bank offers individual entrepreneurs and LLCs 4 favorable tariffs. Here you can not only open or reserve an account for free, but also use Internet banking, receive extracts from the Unified State Register of Legal Entities and Unified State Register of Individual Entrepreneurs, make payments to the state budget, receive notifications about transfers, and withdraw cash from a Vesta Bank card.

Expert bank

Expert Bank has been operating in the market for more than 20 years. He considers his main goal to be supporting small and medium-sized businesses. You can open an account at the bank for free using any of the 3 tariffs presented and reserve a bank account. The subscription fee is 0, 450 and 3,990 rubles, respectively, for the “Economy”, “Optimal” and “All Inclusive” tariffs. Interest is charged on the account balance in the amount of 1.5 – 5% per annum. Additionally, entrepreneurs can apply for a loan of up to 5,000,000 rubles on preferential terms and receive gifts (a month of free accounting services, an express audit within 2 last year, access to online accounting for 45 days).

SKB-Bank

Different service packages are provided for different clients. Beginners who do not make many transactions will be able to open an account and use it for free for another 3 months, paying only 59 rubles for each payment document. For other tariffs there is a certain number of free payments and favorable conditions for depositing cash. Absolutely all applicants will be able to use Internet banking without paying a commission. By paying a subscription fee for 3, 6 or 12 months at once, you can reduce the final cost by 5, 10 or 20%, respectively.

Sovcombank

At Sovcombank you can reserve a current account and receive details for receiving receipts from counterparties within 3 minutes. Wide choose tariffs allows you to choose the most favorable terms of service. For beginners, there is a “Together” package with free account opening and maintenance, and for those who also want to earn money, there is a “Profitable” package. Additionally, the client can buy a package for 5, 10, 30 or 50 payments.

VTB Bank of Moscow

For its clients, VTB Bank of Moscow offers 3 tariffs that are ideal for beginning entrepreneurs (“Business Start”), trade and service enterprises (“Business Development”) and companies with a large volume of payments (“Business Online”). Mobile banking and Internet banking, and connection to a salary project are provided absolutely free of charge to all users. The packages include 5, 25 and 100 free payments, respectively, and the ability to deposit cash free of charge according to established limits.

Loko-Bank

Loko-Bank offers 3 tariffs designed for beginners, stable and experienced businessmen. A variety of programs allows you to choose individual conditions, minimizing costs. Internet banking is available to all clients without exception, and the “Unlimited” tariff allows you to receive information about ongoing transactions online for free. There are favorable conditions for short-term deposits for account owners (up to 8.75% per annum). The bank itself promises to open an account by reserving it in just 1 minute using the TIN.

Binbank

For different categories Binbank clients are provided with separate tariff packages. The entrepreneur makes a one-time payment every month and uses the available services within the tariff. When paying for packages for 3, 6 or 12 months at once, you can save on its cost from 5 to 10%. Opening an account and maintaining it will be free. The client can also use Internet banking without additional costs.

UniCredit Bank

At UniCredit Bank, service rates for all business representatives are the same. The cost of maintaining an account is low, especially for ruble accounts. Payments made are also inexpensive - for each you need to pay 20 rubles or 0.15% in foreign currency. If the operation is performed within the bank, then there are no additional costs. The bank provides clients with a gift certificate for 50,000 rubles, which can be spent on outsourcing accounting to 1C-WiseAdvice.

AK Bars Bank

A wide variety of tariffs for small and medium-sized businesses with different service costs and a range of options. Free services in the form of Internet banking and SMS notifications. Availability of packages of free payments to counterparties, the ability to withdraw and deposit cash without commission. Profitable transactions in foreign currency (conversion is carried out without commission). AK Bars Bank often holds promotions to reduce the cost of servicing the account.

Eastern Bank

Currently, Vostochny Bank has a 50% discount on account servicing when opening an account. The institution helps prepare all documents free of charge (certification, card with signatures). The advantages include the low cost of service, the availability of Internet banking and mobile banking (when you subscribe to the “Your Success” tariff, it is provided free of charge), the ability to deposit funds into an account with a small commission of 0.15% of the amount and make payments for free within the established limit.

Russian Standard Bank

Opening an account at Russian Standard Bank is carried out for all clients under the same conditions. An employee of the institution is ready to help the entrepreneur in processing all necessary documents and issue his details on the day of application. Mobile banking and online banking are provided free of charge. Remote operations can be performed around the clock. It is possible to issue a corporate MasterCard Business card, linking acquiring and a salary project to it. Low commissions for depositing and withdrawing funds from the account.

Credit Europe Bank

Credit Europe Bank has provided separate tariffs for different business entities. Here you can open an account completely free of charge and receive another 2 months of service as a gift. Access to Internet banking also does not require additional investments. The cost of one payment varies from 25 to 45 rubles, but according to the “Start” and “Intermediate” tariffs it is more profitable to purchase packages for 15 payments, they reduce the cost by 1.5 - 2 times. Regardless of the tariff, interest is charged on the account balance.

Renaissance

Bank Vozrozhdenie has developed an excellent range of tariffs suitable for different categories of clients. Regardless of the type of service, an account is opened free of charge. Entrepreneurs will be pleased with the relatively low cost of maintaining an account; the price of payment for large enterprises is 20 and 10 rubles, respectively, for the “Optimal” and “No Borders” tariffs. The Internet banking system is provided free of charge, the client is also served by a personal manager, and SMS notifications can be activated.

MTS Bank

MTS Bank successfully operates on Russian market. The institution has prepared uniform conditions of service for small business representatives. Here you can reserve an account for free and make transfers remotely. The client can also issue a corporate card, use currency control services, and connect a salary project. For business representatives, the bank has prepared a loan with lower interest rates, money from which can be used to develop your business.

Svyaz Bank

Communication Bank is one of the 20 most reliable banks in the country. For business entities, he developed not only a line of cash settlement tariffs, but also convenient Internet banking and a full-fledged mobile application. Hotline The bank operates around the clock; if desired, you can extend the operating day for an additional fee. Organizations also have access to deposits with higher interest rates than usual. You can get a discount when paying for annual maintenance.

Bank Zenith

New clients have the opportunity not only to open an account for free, but also to connect to all existing remote banking systems. Having convenient Internet banking allows you to carry out all operations remotely, without going to a bank branch. Customers are invited to choose one of 6 tariffs (there is a special line for beginners, importers, traders and other categories).

Bank MKB

MKB Bank offers its clients a full range of cash settlement services, which includes Internet banking, SMS notifications, and currency control. Users note the high speed of processing transactions (30 minutes via the Internet, up to 1 day for interbank transfers). The cost of service in this bank is high, but provided frequent payments are made, it more than pays for itself due to the low cost of payment documents (from 0 to 19 rubles per payment slip). The system is most effective when making online transfers.

RNKB

Russian National Commercial Bank has been operating on the market since 1991. One of the services provided is cash settlement services for individual entrepreneurs and legal entities. For the convenience of its clients, the bank has provided the opportunity to open a simple current account with payment for all transactions or connect to one of 5 tariffs. Each of them is suitable for a certain category of clients (start-up entrepreneurs, large companies).

Trust Bank

Bank Trust is one of the largest Russian banks. The main feature is the possibility of opening an account by non-resident companies of the Russian Federation. During the first 3 months after activating the service package, SMS notifications are free of charge. There are 4 different tariffs available for clients, and the most favorable conditions are offered to the bank’s partners.

Bystrobank has been operating on the Russian market for more than 25 years, offering entrepreneurs favorable lending conditions and current account servicing. The account is opened on the same day of application. Clients are provided with free Internet banking, the opportunity to participate in a salary project, and issue corporate cards. It takes no more than 30 minutes to send a payment order via the Internet. When using a corporate card, cashback is credited in the amount of 0.5% of the amount.

What is the cost of service?

Just opening an account is usually not the main cost item for businessmen. Often banks are even ready to open an account for free. Most of the costs are incurred in servicing the account. To choose the most suitable bank and tariff, an entrepreneur must take into account that the final cost will consist of the following components:

1. Subscription fee. May be absent or free for several months after opening. Typically, the subscription fee is determined monthly, but when paying an annual cost, some banks reduce the final price.
2. Cost of using mobile banking. Additionally, the bank may charge information for SMS notifications and requests.
3. Cost of using Internet banking. Some banks charge a separate fee for access to your personal account. Large institutions provide this service free of charge. Additional costs may be associated with the installation of specialized equipment and the issuance of electronic keys.
4. Payment order price. A certain number of them can be provided free of charge as part of a package. Typically, the cost of an electronic and paper payment order is very different; the former is much cheaper.
5. Commission for cash withdrawal and account replenishment. Within the framework of different tariffs, it may be absent or greatly reduced.
6. Cost of transfers to the budget. This includes paying taxes and required insurance premiums. Almost all banks allow such transactions for free, others charge a certain percentage or a fixed fee.

The specifics of the work of legal entities require the presence of a current account for an LLC. Banks offer various tariffs for settlement and cash services, each of which is beneficial to a certain category of clients.

Where is it profitable to open a current account for an LLC?

Opening a bank account is not the responsibility of a limited liability company, but without it the company will not be able to enter into contracts for an amount exceeding 100,000 rubles and make mandatory budget payments. In addition, each organization sets a cash limit on cash that cannot be exceeded. The surplus is kept in a bank account.

Where it is better to open a current account for an LLC depends on the needs of the company. It is more profitable for a newly organized small enterprise to use an inexpensive tariff with a minimum set of functions. A large organization needs extensive account management capabilities.

When choosing a financial institution for settlement and cash services, you must consider the following points:

• speed of checking documents and opening an account;
• the cost of opening a current account for an LLC;
• Availability of monthly payments;
• the amount of commissions for tax payments and other non-cash payments;
• cash transaction fees;
• availability and convenience of Internet banking;
• duration of the operating day.

In addition, when considering options for where to open a current account for an LLC, you can pay attention to the possibility of obtaining a corporate card, depositing funds through an ATM, providing a line of credit and charging interest on the remaining amount.

Bank requirements

When comparing where it is more profitable to open a current account, you need to pay attention not only to the tariffs, but also to the reputation of the bank. First of all, it must be reliable, since the money of legal entities is not insured and in a situation where the license is revoked, it will be frozen.

It is worth assessing the proximity of the branch of the credit institution and customer focus. A loyal attitude and quick resolution of emerging issues will make the work process easier.

When opening an account for an LLC, it is important to clarify the technical capabilities: remote access to the account, including from mobile devices, user-friendliness of the interface, absence of software glitches, speed of processing payment orders.

Tochka - bank for entrepreneurs

Bank for entrepreneurs "Tochka", operating on the basis of FC Otkritie, specializes in working with corporate clients. The bank does not have branches; service occurs remotely, 24 hours a day. Tochka is one of the banks where you can really profitably open a current account for an LLC; the procedure takes no more than an hour. Interest is charged on the account balance.

Tinkoff Bank also does not have branches and operates on the basis of remote servicing. The bank has a high customer focus and is distinguished by the presence of a personal manager. Long operating hours (from 07.00 to 21.00), which is a definite plus for business. The balance is charged up to 8%. Tinkoff Bank is a financial organization where you can quickly open a current account for an LLC with instant provision of details. A credit line is provided.

Another bank focused on corporate clients, working remotely. Modulbank has a convenient personal account, accessible after opening a current account and 24-hour technical support. Opening an account occurs instantly. Up to 5% is charged on the balance.

Otkritie Bank has an extensive network of branches throughout the country. When opening a current account, up to 8% per annum is charged on the balance. It is possible to select the necessary tariff options.

The largest bank in Russia also provides the opportunity to open an LLC account, which can be done in one day. It is possible to top up a corporate card via an ATM. You can connect to a completely free tariff.

VTB

You can open a current account for an LLC at VTB Bank, which has a high rating, reliability and a wide network of branches.

A large, reliable bank with a large number of branches throughout Russia. Convenient personal account for account management, there is a personal manager service. Long operating day. Up to 3% is charged on the balance.

A large European bank with a high degree of reliability - a good choice where to open a current account.

Before opening an account for an LLC, the bank will conduct an audit of the organization's activities. To do this, you will need to provide a package of documents, including constituent documents:

• application for service;
• questionnaire;
• extract from the register of legal entities;
• registration certificate;
• certificate of registration as a taxpayer;
• charter;
• a document confirming the authority of the manager;
• director's passport;
• signature card;
• lease agreement or certificate of ownership of the premises at the location of the LLC;
• licenses and other permitting documentation.

In addition to the required papers, a financial organization has the right to request additional information: a letter of recommendation from another bank, concluded agreements with counterparties confirming activities, tax reporting data, etc. Copies of constituent documents must be certified by a notary or an authorized employee of the bank.

Having a current account for individual entrepreneurs is not a prerequisite. It may be needed if a bilateral agreement provides for non-cash payments. The individual entrepreneur will also need to provide a package of documents to the bank:

• statement;
• questionnaire;
• passport;
• registration certificate;
• signature card;
• licenses (if available).

Additionally, they may request a notification about statistical reporting codes, an extract from the register, cooperation agreements, etc.

Possible reasons for refusal to open an account

A financial institution may refuse to open an account for an LLC if there is evidence of a violation of the law. This concerns suppressing attempts to legitimize funds obtained by criminal means and preventing the financing of terrorist organizations. Wherein the bank may refuse on the basis of suspicions without having significant evidence. Compliance with these points is controlled by the Central Bank.

In addition, the reasons for refusing cash settlement services are:

1. Negative information about business reputation from the bank where the LLC’s current account was previously located. This is especially true when it is closed at the initiative of a financial institution.
2. Lack of documents required to open an account.
3. Incorrect data about the location of the organization, founders and director.
4. Inconsistency with the actual type of activity OKVED data;
5. Negative information about the director provided by the security service, including involvement in crime.

The bank's work with legal entities is carefully checked by regulatory authorities. Systematic violations will lead to revocation of the license, so the percentage of refusals in cash management services is quite high. This is especially true for new organizations engaged in certain types of activities, such as transport services.

Among the current accounts for individual entrepreneurs presented on the Russian market, tariffs vary greatly depending on the bank. By law, individual entrepreneurs can work without one, but many businessmen prefer to open their own business account to expand the circle of potential clients and simplify their work.

Where to open a current account for an entrepreneur

A current account is a special account intended for conducting business (starts with 40802). It is available for control and blocking by the Tax Service and extra-budgetary funds.

Thanks to the current account, the entrepreneur will be able to accept non-cash transfers from individuals and legal entities. The personal account of an individual entrepreneur as an individual cannot be used for business purposes. The Federal Tax Service can force you to pay 13% personal income tax on funds received in your personal account. Many legal entities will not transfer money to an individual’s account, as they may have problems with the Federal Tax Service due to such transfers.

The presence of an Internet bank will allow individual entrepreneurs to send all payments without leaving home. It is convenient to pay taxes and insurance premiums from a current account.

It is impossible to unequivocally answer the question of where an entrepreneur should open an account. It all depends on his goals and financial performance. If the priority for an entrepreneur is the minimum commission for maintaining an individual entrepreneur’s account, then he should pay attention to small regional banks.

For those who value solidity and reliability, you should opt for a large bank with state participation. This will increase confidence on the part of potential partners. But you have to pay for stability: the cost of servicing an individual entrepreneur’s account here will be much higher.

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Criteria for choosing a bank to open an account

An individual entrepreneur should pay attention to the following criteria first of all when choosing a bank:

• cost of opening an account for individual entrepreneurs;
• fee for servicing a current account (some banks allow you not to pay for an account if there is no turnover);
• commission for transferring own funds;
• commission for processing payment orders (budgetary and in favor of other individual entrepreneurs or legal entities);
• tariffs for connecting to Internet banking and remote account maintenance;
• convenient location of the bank;
• bank reliability.

It is worth considering that the funds of individual entrepreneurs are insured by the DIA, so you need to choose a bank that is part of the DIA state guarantee system. Then you don’t have to worry about the safety of your funds: if problems arise at the bank, the state will compensate for the entire amount of funds that remained with the individual entrepreneur.

It is worth familiarizing yourself with the promotions that financial organizations regularly hold. For example, offering a discount on annual payment or monthly service for new clients.

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Tariffs for cash settlement services for individual entrepreneurs in Russian banks

Bank rates for maintaining a current account for individual entrepreneurs vary significantly among different financial institutions.

Opening an account with a large bank has many advantages: you don’t have to worry about having your license revoked; such banks have an extensive network of branches and their ATMs are within walking distance; They have convenient online banking. At the same time, a significant disadvantage is the high cost of opening and maintenance.

How much does a current account for an individual entrepreneur cost in Sberbank? Only for opening you will need to pay 2400 rubles. (for small businesses who have taken out a bank loan - 700 rubles), monthly maintenance will cost at least 700 rubles. per month (subject to using only the Internet banking functionality to send and receive payment orders) or 2000 rub. with standard service. These conditions are relevant for Moscow; in the regions, tariffs are 2 times lower.

Connecting to Sberbank online banking will cost 960 rubles; you will need to pay separately for the cost of a USB key for signing payment orders. It costs from 990 rub. For transfers to a personal account you will need to pay 1% of the amount.

To open a current account in other banks you will need to pay: at VTB-24 - 2500 rubles, Gazprombank - 2500 rubles, Alfa Bank - from 800 rubles, Promsvyazbank - from 490 rubles, Unicredibank - from 1200 rubles. Free opening is offered by the Bank of Moscow, Raiffeisenbank, and B&N Bank.

The monthly expenses of an individual entrepreneur in these banks will be: in Binbank - 1400 rubles, in Raiffeisenbank - from 660 rubles, in Unicreditbank - from 1000 rubles, in Promsvyazbank - from 950 rubles, in Avangard - 900 rubles, in the Bank of Moscow – from 2500 rubles, Alfa Bank – from 1090 rubles, Gazprombank – 1200 rubles, VTB-24 – 1100 rubles. Banks have different approaches to charging monthly service fees. Thus, Promsvyazbank does not charge a fee from an entrepreneur if there is no account turnover within a month, which is especially beneficial for individual entrepreneurs with unstable financial indicators or for whom cash receipts from clients predominate. Whereas Alfa Bank charges a monthly payment regardless of the availability of income.

Opening costs include connecting to Internet banking. They include the cost of an electronic key and initial access to the online service. At Gazprombank, the cost of initial access to the client bank starts from 1,500 rubles, at Alfa Bank - from 990 rubles, at VTB24 - from 500 rubles.

In Avangard, Promsvyazbank, Raiffeisenbank, Binbank, initial access will be free, you just need to purchase a cryptography tool. Typically, discounted rates are provided for remote cash register services.

Individual entrepreneurs do not have to adhere to cash discipline and can freely dispose of the proceeds received, so they should think about how they will withdraw the funds received. A number of banks offer to additionally issue a card linked to a business account. But it is usually more profitable for an entrepreneur to withdraw money to an individual’s personal card, issued at any bank. The standard rate for such a transfer is 1% of the amount.

In small banks, you can count on free opening and maintenance of a business account, subject to certain conditions, as well as prompt access to the account.

For example, at Tochka Bank (Otkrytie project), reserving, opening and connecting to Internet banking is free. The cost of service per month is from 900 rubles, and this amount already includes a certain number of payments in favor of other legal entities.

In Modulbank, opening, maintaining, SMS notifications, transfers within the bank, budget payments at the Lowcost tariff will be free. At SKB Bank you can count on opening a free account, and maintaining a business account at the “Start Up” tariff will cost 500 rubles. At the Asian-Pacific Bank, despite the free opening, the monthly fee is quite high - up to 1,400 rubles. per month.

Although you can save money by maintaining a business account with small banks, there remains a high risk that these banks will have their license revoked. In this case, to get your money back you will have to wait 1-2 months until organizational issues are resolved.

Hello, dear readers of the business blog site. Modern entrepreneurship is closely tied to the banking system. Today it is very important to competently think through the management and methods of calculations for business and understand the types of tax deductions.
In the article we will look at:

• Which bank is best to open a current account for individual entrepreneurs and LLCs + examples?
• Let's compare 10 major market competitors and tell you what advantages and disadvantages they have;
• Let's consider favorable rates for maintaining bank accounts for entrepreneurs and legal entities.

In the article you can find out where it is profitable to open a current account for an individual entrepreneur/LLC + comparison of banks.

Let's take a closer look at all the nuances of opening and profitable offers for working with accounts for small and large businesses.

List of documents for opening a current account for individual entrepreneurs and LLCs

The opening procedure is simplified as much as possible. The individual entrepreneur is required to:

• business permit();
• extract on registration with Rosstat;
• USRIP extract.

• photocopies of founders’ documents;
• order of appointment to a leadership position;
• sample signatures;
• photocopy of passports of LLC persons;
• extract from the Unified State Register of Legal Entities ().

Also, for individual entrepreneurs and LLCs, you must equally provide:

• statement;
• a completed information form;
• passport (for the person who comes to the department)

Sometimes the list of certificates may be expanded at the request of the inspection organization. Often they additionally ask for evidence of the absence of debts or a review from one of the business partners.

Why open a PC and is it possible without it?

In practice, it is more convenient to conduct business through a banking institution. They charge a fee, but at the same time provide convenient functionality for reports to the Federal Tax Service, Pension Fund and Social Insurance Fund. You receive an extract and take it to the inspectorate, no complications or hassles.

According to the law, if the amount of contracts with counterparties exceeds 100 thousand rubles, then it is mandatory to enter into cooperation with a bank.

RS provides the following advantages:

1. Possibility of acquiring.
2. Removal of restrictions on cash payments.
3. Transfer of non-cash salaries.
4. Integration with 1C accounting, etc.
5. Possibility of self-collection.
6. Additional service.

Integration with accounting and . These two components increase profitability and simplify reporting to the Federal Tax Service, Pension Fund, and Social Insurance Fund. Fewer hassles during inspection checks.

Which bank is better to open a current account for individual entrepreneurs and LLCs in 2020: TOP 10 banks

On modern market There are 10 well-known financial institutions. IN this category they got there because of their reliability and wide range of clients. If you have entered into an agreement with them, you can be confident in the quality of the services provided.

No. 1: Sberbank

One of the largest financial figures in the country, his offices are located in all cities of the country.

• Cost: from 1000 to 1700 rubles;
• Opening: from 1500 (2300 for St. Petersburg, 3000 for Moscow) for 1 day;
• Transfer: 35 rubles;
• For cash withdrawal: 1%;
• Online accounting: built-in.

Tariffs from Sberbank.

Sberbank is certainly a reliable institution that has been operating for a long time. Its branches are located in any major city, but the main problem is long lines.

No. 2: VTB

The share of state ownership is over 60%, it is the second giant after its previous competitor. VTB offers lower interest rates for deposits and withdrawals, but you still have to pay to connect to Internet banking.

• Monthly maintenance: from 1200 to 3200;
• Internet banking connection: 250;
• Cash deposit: 0.39%;
• Cash out: 0.5% .

Tariffs from VTB.

No. 3: FC Otkritie “Open bank”

The private project is young and modern, started under its own name in 2012 (before that it was part of other credit and financial systems), quickly gained popularity and in 2019 is an important part financial system countries.

• New client: 2 months free for everyone + 2 months. with annual payment as a gift;
• Price: from 590;
• Cash deposit: 0.3-0.16%;
• Withdrawal: 3.5-2%;
• External payments: 79-49 rub.

Open Bank offer.

FC Open is not so widespread throughout Russia, but has offices in major cities. With them, just like with others, you can open a current account online, leave a request and a specialist will call you back. Next, you just need to come to the office with all the documents.

No. 4: Alfa Bank

The largest private financial institution in the Russian Federation. Specializes in flexible tariff plans and a wide range of partners. Alfa Bank provides lower prices (from 15,000 to 30,000) + the possibility of installments. This is noticeably cheaper than competitors.

• The main difference: no turnover - no payments;
• Cost: from 490;
• Interest on payments: 50 rubles;
• Cash receipt: from 1%.

Alfa-Bank tariffs.

#5: Vanguard

A young private bank that offers its holders excellent online service. It’s nice that they don’t have unnecessary advertising on their website; the user is immediately given the opportunity to read the contract.

• Initial contribution: 1000 rub. ;
• Price per month: 900;
• Transfer fee: 30 rub. ;
• Interest for transfer to physical face: from 0.5 to 1%;
• cashing out: 0.5-2% .

Offer from Vanguard.

#6: Revival

One of the main offers from Vozrozhdenie is pay what you want. As part of the promotion, you can register an account without any payment.

• First payment: 3000;
• Monthly fee: from 0 to 1800;
• Cash replenishment: 0.1%;
• Transfer fee: from 10 to 100 rubles.

Bank "Revival.

No. 7: Point

Tochka is a branch of FC Otkritie; is aimed exclusively at entrepreneurs, the entire structure is optimized for small and medium-sized businesses. Fast support, detailed instructions, a convenient online account and low interest rates on acquiring are the main advantages of the organization.

Bank point and proposal for opening accounts.

• Promotion: up to 5 months as a gift, flexible tariffs;
• Start: 0r;
• Monthly maintenance: from 570 to 7500;
• Cashing out: no commission within tariff limits;
• Replenishment: no extra. boards;
• For the balance: up to 8% per year.

Nice addition. You can order a call on the website, the manager calls you back in 5 minutes and gives a full consultation.

No. 8: Binbank

The main shareholder of Binbank is the state, over 99% belongs to the Central Bank of the Russian Federation - this is a completely state project. They have:

• Specialist. offer: 0 for connection when purchasing a cash register;
• Start: 0;
• Tariffs: from 1500 per month;
• Percentage for transfers: 0.3%;
• Cash withdrawal: 1%.

Conditions for maintaining accounts in B&N Bank.

No. 9: Raiffeisen

Raiffeisen has foreign capital in its assets. Throughout his career, he has distinguished himself by his loyal attitude and favorable offers for his clients.

• Start: 0r ;
• Monthly payment: from 990r;
• Specialist. offer: up to 6 months. as a gift, card for RS;
• Withdrawal: 1%.

Raiffeisen Bank tariffs for individual entrepreneurs and LLCs.

No. 10: Tinkoff

And in conclusion, I would like to mention Tinkoff bank. This modern solution in the market and in their advertising they offer extremely interesting ideas.

Tinkoff stands out with a whole host of interesting ideas:

• No turnover - no payment;
• up to 78,000 rubles for advertising;
• Up to 2 months for nothing;
• Built-in accounting in your personal account (calculates taxes and prepares a declaration);
• cashback up to 30%;
• Mobile applications;
• Profitable acquiring.

Offer from Tinkoff Bank.

Where to open a current account for individual entrepreneurs and LLCs: 4 free accounts in banks + comparison table

The RS does not exist for absolutely nothing. But Tochka offers 2 months trial + 3 free upon payment. We recommend taking a closer look if you have very little money in business to start.

To determine where a current account for individual entrepreneurs is more profitable, we compare the characteristics of competitors in the table. ( Images are clickable).

Abbreviations:

• ind. - individually;
• n/a - no data;
• 5-1 - from 0.5% to 1% inclusive;
• External payment becomes paid after the free limit expires.

If you study all the reviews in more detail, the main indignation of customers are:

• unexpected commissions;
• rudeness of employees for no reason;
• queues;
• misinformation;
• human factor (incorrect completion of documents).

In practice, out of millions of customers, only 100 of them encounter problems, often associated with their own inattention. As for rudeness, employees won’t just be rude. If this happens, write a complaint to the main office, they will quickly sort it out.

How and where is it more profitable to open a current account: expert advice + example

Based on the material described above, we can conclude where it is more profitable. In general, based on what has been studied, we can come to the following decisions.

If you want to save money - Tinkoff, Tochka, Otkritie. But be careful, low interest rates are additional terms of the contract.

Do you prefer stability - VTB, Sberbank, Alfa. But you will have to pay for reliability with high commissions.

No. 1. Don’t be fooled by advertising and read contracts in detail

Somewhere for a free month you have to pay an annual tariff, sometimes there are not obvious deductions. Be careful before signing documents.

No. 2. Don't trust just reviews

Unfortunately, you can find many negative reviews on the Internet for any of the competitors described above. Most of them are related to the incorrect behavior of the applicant himself: he did not read the contract, did not look at the notice in time, etc.

A general trend can be found in negative reviews. If you complain about your account being blocked, look into the reason for the blocking. Unexpected interest - did not read the details of the cooperation. Many clients themselves do not fulfill the obligations they signed up for, and then blame others.

No. 3. Find out where the nearest branch is

There is no point in opening a personal account in a financial institution if it is located far from the place of business. In small towns, it is better to give preference to the nearest branch - it will be easier to deal with unforeseen situations.

No. 4. Current account and cash management services

These two concepts are close to each other. An account is an account to which the company’s income is transferred and from which employee salaries are transferred.

Maintenance are services that allow you to manage your account more efficiently. It involves integration with accounting, detailed reporting, package offers, etc.

In most financial institutions, together with the RS, a service for it is opened. Therefore, there is almost no difference between these terms; it is one common complex.

Conclusion + Video

We hope that after reading you will be able to finally decide in which bank to open a current account for an individual entrepreneur or LLC. If doubts still remain, we will add that according to statistics, Sberbank is the most common solution.