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Where is it better to open rs for ip. Where to open an IP current account - comparison of tariffs for services and additional services. Where is it better to open an account for an individual entrepreneur - choose a reliable bank with favorable conditions

When choosing a banking organization for opening an account, an individual entrepreneur should pay attention to the following criteria:

  • financial condition. IP must be sure of the safety own funds that are on the accounts of a credit institution;
  • implementation cost settlement and cash services. As with any other product or service, economic factor is of decisive importance;
  • quality and quantity of remote services banking service. Today, a significant part of transactions is carried out using the Internet, which is convenient and beneficial for customers. It does not matter whether it is an individual or an LLC;
  • the number of bank branches and ATMs, as well as their location. Solving some issues requires personal presence, so the presence of an office of a financial institution near the place of work of an individual entrepreneur is a serious argument in favor of this bank;
  • terms of cooperation with credit institution. In addition to good prices for the services provided, the bank can charge interest on the account balance, introduce preferential interest rate when lending to clients and offer other profitable collaboration options.

Comparison of bank rates

Among the key criteria that help to choose a bank suitable for cooperation is the amount of tariffs for cash settlement. When deciding where it is more profitable to open an account for an individual entrepreneur, one should not only compare prices for certain types banking services but also consider the financial component of the issue as a whole.

Among the most profitable and attractive commercial offers for conducting cash settlement services include the services of such banks:

  • Sberbank. The leader of the country's banking sector opens an IP current account for free. However, for the implementation of some related activities, for example, certification of a card with sample signatures and seals, you still have to pay. The cost of monthly maintenance is 1.4 thousand rubles for a service package "Minimum";
  • Modulbank. A bank popular among entrepreneurs, which provides most of its services remotely. Opening an account is free of charge. There is also no monthly service fee, since the bank has set tariffs for each transaction, for example, a transfer to accounts of other banks costs 90 rubles. for users of the service package Starting;
  • Bank Tochka. Another financial institution that opens an account for individual entrepreneurs for free. At the same time, the value of the tariff for the monthly cash settlement package called Low cost is only 1.25 thousand rubles. It includes several free payments and the execution of a number of other financial transactions;
  • Bank Tinkoff. One of the most famous banks opens an IP account for free. Moreover, the first two months of service are also free of charge, after which the cost of cash settlement is 490 rubles per month. 6% per annum is accrued on account balances;
  • Alfa Bank. Offers a package of banking services Startup. According to its terms, opening an account is free of charge, monthly service will cost the client 1.09 thousand rubles.

How to open a current account for an individual entrepreneur?

Today, most of the major banks provide an opportunity to apply for opening an account online. But to sign an agreement for cash and settlement services, you still need to visit the office financial organization. This will not take much time, since all the necessary documents will already be ready.

In order to open an account, an individual entrepreneur must provide a standard package of documentation, which includes: an entrepreneur's passport, certificates of registration and registration, information about the persons who will perform financial operations by account, etc. After the conclusion of the agreement on the settlement of accounts, the bank independently notifies all interested fiscal authorities about this, sending them notifications about the opening of a current account by an individual entrepreneur.

Although the law allows entrepreneurial activity without a current account, many Russians still decide to connect this service. This is due to several reasons. Cash payment in our country is allowed only up to 100 thousand rubles. If the organization has an account, then this increases its credibility. Where is the best place to go to open it? This will help the rating of banks for individual entrepreneurs. Each institution offers its own terms of cooperation.

Why do you need an account for IP?

With an open current account, you have the right to several operations:

  • registration of civil legal documents;
  • execution of transactions for large amounts;
  • the possibility of sending funds legal entities;
  • conclusion of contracts with employees and their payment.

An account is required if the entrepreneur takes at least 100 thousand rubles. In its absence, it is necessary to conclude an agreement for each delivery. As a result, it will be more expensive and take longer. Moreover, with the help of the bank, the conclusion of documents is more convenient. The organization provides a personal manager who will answer questions about using the account at any time.

Account opening

The procedure does not take much time. You just need to contact the bank. During this process, you must follow all the rules, as it is legally significant.

Whether or not to open an account, all entrepreneurs decide on their own. The law of the Russian Federation allows an individual to establish an IP without it. But then many procedures will be inaccessible, since large retail and other children operate only by bank transfer.

Bank selection

  • convenience;
  • profitability;
  • high customer orientation.

Convenience involves the use modern technologies at work. This means that the credit institution makes payments through verified channels. Often to speed up the process between big companies settlement agreements are concluded. Clients are encouraged to use online programs for account management. There is no need to visit the bank branch.

The benefit involves the collection of small commissions for servicing the account. Banks often charge money for:

  • opening an account;
  • its management;
  • connection to services for remote maintenance;
  • online service;
  • withdrawals.

Some banks charge fees for money transfers. Before opening an account, it is important to familiarize yourself with the rates by comparing them.

Peculiarities

Focus on clients. They do everything to make the work of the IP convenient. Customer focus includes:

  • availability of telephone for consultations;
  • speed of service;
  • positive feedback about the work of the company;
  • availability of branches;
  • the rarity of software failures;
  • extended business day;
  • availability of high-quality encryption channels for security.

In Russia, many institutions are ready to work with entrepreneurs. for individual entrepreneurs is compiled on the basis of customer benefits. After reviewing all the programs, you will be able to choose the appropriate option.

"Tinkoff Bank"

  • free account opening;
  • 2 months free service;
  • novice individual entrepreneurs are invited to apply for the “Simple” tariff, which is valid for six months of free service;
  • free implementation of up to 10 payments;
  • if there is no turnover, you do not need to pay a commission;
  • integration in the online accounting departments "My business" and "Kontur".

Many believe that Tinkoff Bank is the most suitable for business, as it charges interest on the balance, which can be as high as 7%. Online services are available - reporting to the IFTS, registration of insurance and salary cards. Payments are made until 21:00. Tinkoff Bank performs all transactions via the Internet, which saves time.

Tochka Bank (Opening Group)

Organization continues for IP. It is also beneficial for the development of its activities. For the first 3 months of service, a 70% discount is given. The balance is charged at 7% per annum.

Opening an account is very easy. Specialists come to the office, conclude an agreement, set up a client bank for activities using the Internet. Opening is free. The advantages include a long one. Internal transfers are carried out throughout the day, and external - from 0:00 to 21:00 Moscow time.

"Modulbank"

The rating of banks for opening an IP includes Modulbank. Account registration is free of charge. This is done in 1 day. If desired, you can order the arrival of a specialist to the office, where the documents will be processed. The advantages of Modulbank include:

  • using details 5 minutes after opening an account;
  • free service for using the account online;
  • customer support through online chat, social media;
  • there are mobile applications;
  • the operating day lasts from 9 am to 11 pm;
  • synchronization with accounting systems.

Payments are confirmed cloud signature and SMS.

UBRD

The rating of banks for opening a settlement account for an individual entrepreneur also includes Razvitiya. All you need to do is visit the office. A day later, the client will have the details. You can fill out an application through the website. Employees call and agree on a deal at a convenient time. Then the account is opened in 1 hour.

UBRD offers tariffs for which there is no account maintenance fee. You just need to pay for the operations performed. Internet banking is provided free of charge. With the connected Light tariff, you won’t have to pay for using the account either. To improve security, you can activate the service of informing about the actions performed. Then it will be convenient to control the movements on the account, because the reports will be sent to e-mail.

Sberbank

The institution is also included in the rating of banks for individual entrepreneurs. The current account is issued on favorable terms. Sberbank has a Business Environment project created to support entrepreneurs. You can open an account with it. Within 1 day, a service contract is drawn up. Details will be provided after 5 minutes.

Opening an account is free. There is a choice of one of 50 currencies. The advantage is a long operating day. Payments are made from 6 a.m. to 11 p.m. without days off.

Promsvyazbank

For IP, it has favorable rates. The account is opened free of charge, you can use mobile and Internet banking. The advantages of such cooperation include:

  • round-the-clock and online payment execution;
  • speed and free of charge verification of counterparties;
  • synchronization with accountants in 1s and "My business".

This account will save you time and money.

"Vanguard"

  • Account verification.
  • Calculation of money.
  • Receiving and depositing cash.
  • Transfer of salary to cards.

Each entrepreneur must determine for himself which account will be the most profitable for him. The rating of banks for individual entrepreneurs serves only as an aid in this matter. It is desirable that the offices of the organization are located nearby, since many procedures will require a personal visit.

It is also important to have professional phone support. The listed institutions offer favorable conditions, and therefore cooperation with them will be effective.

Updated: 03/26/2019

Oleg Lazhechnikov

87

Since I once registered IP (), I also have to use a separate bank account For entrepreneurial activity. I already wrote general information, and in this post I would like to lay out a small comparison of the rates of various banks, including those that were advised in the comments.

Basically, we will talk about Moscow banks, but often they are also represented in the regions, and their tariffs will be lower.

Due to the unstable economic situation in the country and revocation of licenses from banks, there is an opinion that it is better to choose top and big banks so that later you don’t have to pull money through the DIA from small ones (IP accounts are insured up to 1.4 million rubles). But I would not say that it is difficult, just for some time the money will be “frozen. Alternatively, you can simply not keep large amounts in the IP account and immediately withdraw them.

And, for that matter, in order not to worry at all, you need to open an account with Alfabank / Sberbank, nothing will happen to them. So see for yourself. The larger and more reliable the bank, the higher your maintenance costs will be. But if you have a big business, then all these commissions against the background of the company's turnover will be cheap.

Tinkoff

After the Module worsened the tariffs, (the first 2 months are free) it began to look more attractive, besides, the bank is still much larger.

Opening an account, connecting to an Internet bank, leaving a representative to an office/apartment is free of charge. A very long operating day, from 1 a.m. to 8 p.m., inside the bank around the clock. It’s convenient for me, sometimes I do translations in the evening. Intra-bank transfers to the accounts of individual entrepreneurs and companies are free.

I have tariff "Simple"— 490 rubles/month. SMS informing on the account - 99 rubles / month, in the presence of an operation 4% on the balance. The first 3 external payments to the accounts of individual entrepreneurs and companies are free, then 49 rubles each. But with payments to individuals there is an ambush - 1.5% of the amount (plus 99 rubles) within 400 thousand rubles, with larger amounts, the commission is higher. But if we are talking about transfers to yourself, then you can transfer up to 150 thousand rubles / month to your Tinkoff Black debit card for free, and 250 thousand rubles / month to a credit card. Or a total of 400 thousand rubles a month. IMHO it's enough.

Tariff "Advanced"— 1990 rub/month. SMS informing on the account - 99 rubles / month, in the presence of an operation 6% on the balance. The first 10 external payments to the accounts of individual entrepreneurs and companies are free, then 29 rubles each. Payments to individuals - 1% of the amount (plus 79 rubles) within 400 thousand rubles, with larger amounts, the commission is higher. But if we are talking about transfers to yourself, then you can transfer up to 300 thousand rubles / month to your Tinkoff Black debit card for free, and 400 thousand rubles / month to a credit card. Or a total of 700 thousand rubles a month.

Tariff "Professional"— 4990 rub/month.

Cash withdrawal from the card - 1.5% within 400 thousand rubles / month in the Simple tariff and 1% within 400 thousand rubles / month in the Advanced. Card with a separate account and free maintenance.

So if you don't want to do bank cards Tinkoff for yourself, or you have physicists on your payroll, then you need to look for something else. For example, with good rates. And the rates are easier to understand.

Currency transfers

Maintaining foreign currency accounts is free. You can transfer currency to an individual's account within Tinkoff to avoid commissions on transfers to other banks. But the limits on transfers and commissions will be the same as for rubles, I announced them above.

For the "Simple" tariff. Currency control - 0.2% of the amount (minimum 490 rubles). External transfer 0.2% of the transfer amount, at least 49 cu.

For the "Advanced" tariff. Currency control - 0.15% of the amount (minimum 290 rubles). External transfer 0.15% of the transfer amount, minimum 29 cu.

Modulbank

Tariff "Starting"- 0 rubles / month, payment for legal entities 90 rubles, payment for individuals 0.75% (but not less than 90 rubles) within 300 thousand rubles (hereinafter 1%). Suitable for those who have almost no operations at all, I do not consider it at all.

Tariff "Optimal"- 690 rubles / month, but if you pay for the year immediately, it will be 4650 rubles (388 rubles / month) instead of 8280 rubles. They give 3% on the balance, payment for legal entities and individual entrepreneurs - 19 rubles, payment for individuals - 19 rubles within 500 thousand rubles / month (hereinafter 1%). I have this tariff, IMHO it is the most successful. By the way, you can pay a one-time fee of 9990 rubles and use it later, as much as you like, until the first tariff change. Takes off in 2 years.

Is there some more Tariff "Unlimited" for 4900 rubles per month.

Give free map for cash withdrawals and deposits. She has her own account. There are limits and fees for withdrawals depending on the tariff and amount of withdrawal. Depositing at certain ATMs is free. But I don’t use a card, I’m used to withdrawing to an individual’s account in another bank.

Currency transfers

Maintenance of a currency account is free of charge. Transaction passport for Optimal and Unlimited tariffs — free of charge. For currency control, they take 300 rubles for a payment within 500 thousand rubles (in equivalent) and 1000 rubles if from 500 thousand rubles to 1 million.

Currency transfer to an individual to another bank 30 dollars, 30 euros or 150 yuan (yes, there are accounts in yuan), up to 500 thousand / 1 million rubles per month (Optimal / Unlimited). If more, then 1%. Somehow so-so. Given that they do not serve physicists and the currency will have to be withdrawn to another bank in any way. In this regard, it is more convenient when an individual has an account in the same bank right away, because intra-bank payments are usually free. But if the currency is not needed, then you can convert to rubles within the Module, they have a currency exchange rate: the exchange rate +/- 1%.

I also wrote more than once that the Module has a minus in terms of currency payment her that their intermediary bank charges $15 on some payments. In theory, this should depend on how exactly the non-resident counterparty sends them, shifting the entire commission to the recipient or paying part of it on their side. But earlier there was no commission for the same payments (I received it in another bank), they appeared only in the Module.

Commissions for foreign exchange transactions

Point bank

Tariff "All the best at once"- 2500 rubles / month (the first 3 months for 500 rubles), includes 100 payments in favor of individual entrepreneurs and legal entities, free transfers to the account of an individual within 500,000 rubles (hereinafter 0.5%). Cash withdrawal up to 100,000 rubles is free. They give 2% cashback on taxes.

Opening a foreign currency account is free, maintenance is also free. Currency control 0.15% of the transfer amount, but not less than 350 rubles. There is a paid tariff, there is a slightly smaller percentage. Outgoing currency payment 25 ye on the tariff "All the best at once" and 30 ye on the rest.

Alfa Bank

A bank from the TOP-10, that is, one of the most.

Free of charge: opening ruble and foreign currency accounts, connecting an Internet bank, a mobile application, issuing a bank card and transfers to legal entities and individual entrepreneurs within Alfabank, SMS alerts. If there are no transactions in the current month on the tariffs "One percent" and "To start", then the service fee is not charged. A representative can come to your office or home.

Long operating day, like Tinkoff: from 1:00 a.m. to 7:50 p.m., inside the bank around the clock.

Tariff "One percent". Everything is free, including SMS alerts. Pay only 1% for all receipts. Tochka has exactly the same tariff. Great for small IPs with low turnover. No income - pay nothing. Opening a currency account is not available.

Tariff "On start". Account maintenance 490 rubles / month, or free of charge if there are no transactions. 3 external payments to individual entrepreneurs and legal entities free of charge, then 50 rubles. Internal and external transfers to accounts of individuals are free up to 100 thousand rubles, 1% up to 500 thousand and 1.5% up to 2 million.

Tariff "Electronic". Account maintenance 1440 rubles / month. If you pay for 9 months, you immediately get another 3 months as a gift. Certification of a card with a sample signature - 590 rubles. External payments to individual entrepreneurs and legal entities cost 16 rubles. Internal and external transfers to accounts of individuals are free up to 150 thousand rubles, 1% up to 300 thousand, 1.5% up to 1 million, and then the commission grows with an increase in the amount.

There are also some more expensive rates. A fairly wide range of tariffs, but there are too many conditions, it’s hard to figure it out right away.

To withdraw cash, they give a free Alfa-Cash card (In, Ultra, FIFA) linked to the main current account. The annual service is free for the Alfa-Cash In card (only for cash deposits) and 299 rubles/month for the Ultra card. Cash withdrawal on the tariff "One percent" up to 1.5 million free of charge. Cash withdrawal up to 100 thousand rubles / month - 1.25% on the tariff "To start" (min 129 rubles) and 1.5% on the tariff "Electronic" (min 200 rubles). The larger the withdrawal amount, the higher the commission. Depositing cash to the current account 1% for the One Percent tariff, free of charge for At Start, and 0.23% for Electronic.

They want 600 rubles for currency control for each payment within 400 thousand rubles (in equivalent), then 0.15%. Monthly maintenance of a foreign currency account is free of charge on the “To start” tariff and 1440 rubles / month on the “Electronic” tariff. Within Alfbank, all currency transfers are free of charge for the "To Start" tariff. For the "Electronic" tariff, internal transfers are free only to the accounts of individual entrepreneurs and legal entities, and payments to individuals within the bank or to other banks - 1% (min 900 rubles). Both tariffs charge 0.25% for external transfers (minimum $57 or €43, maximum $228 or €174).

Raiffeisen

The minimum package "Start" costs 990 rubles / month, there is a discount for paying for the year. The package includes free account opening and maintenance. Payments for 25 rubles, transfers to individuals within 100,000 rubles without commission, then 1%. They issue a free card to the account, maintenance of the Business 24/7 Basic card - 90 rubles / month. SMS notification - 199 rubles / month.

Without a package: opening a ruble/currency account 1700 rubles, maintenance of a ruble/currency account 950 rubles/$25 per month. Transfer to an individual in Raiffeisen without commission, transfer to an individual in another bank 0.1%, but at least $ 40.

Sberbank

Opening an account is 2400 rubles, but if you have revenue up to 1.8 million / year and you want a loan, then 700 rubles. Internet banking connection RUB 960 These were all one-time expenses, moving on to monthly. Account maintenance 700 rubles / month, fee for using Sberbank Business Online 650 rubles / month, 30 rubles payment.

Opening a foreign currency account 2400 rubles, maintaining a foreign currency account 600 rubles / month. Currency control 0.15% of the amount, minimum 10 cu.

These were the general tariffs for RKO. But there are also service packages. For example, "Minimum" 1500 rubles / month - ruble account + Internet banking + 5 payments. It is not difficult to calculate that everything will be about the same without the package. If you pay for several months, there will be a small discount.

Promsvyazbank

USB-key 1500 rubles, only with it you can use the PSB On-Line Internet banking. The minimum tariff "Business Light" is 1050 rubles / month, opening an account is 590 rubles, payment is 45 rubles. The “My Business” tariff is 1250 rubles / month, it immediately includes bank services, a payment of 45 rubles, opening an account is free. They give a discount if you pay for several months. Currency control 0.15%, but not less than 750 rubles. SMS-informing 199 rub/month.

Why did they come up with this trouble with a USB key ... For me, it’s immediately impossible to use, carry around different countries flash drive, God forbid you lose it.

Vanguard

Opening an account 1000 rubles (if the application is through the site), maintaining a ruble account 900 rubles / month, maintaining a foreign currency account 500 rubles / month, paying 25 rubles or $ 30 for dollars, currency control 0.075% (min 400 rubles).

In Vanguard, one thing is worth knowing - the money that has come does not need to be withdrawn to your personal account on the same day, otherwise there will be a commission. It’s just worth making it a rule to delay at least one day before withdrawing.

UBRD

Free account opening, Internet banking and departure of the manager. The minimum tariff "Economy" is 500 rubles / month, the payment is 25 rubles, but for connecting the package you need to pay another 750 rubles one-time. Tariff "Online" - 800 rubles / month, payment 25 rubles, connection is free. The difference between these tariffs is that in "Online" payments are round-the-clock.

Personal experience

Agree, I could not compare these two banks if Tinkoff had not used it too, it would not be fair :)

I now have 2 current accounts (Module and Tinkoff). So far I use two, but I'm going to switch to Tinkoff, since I have personal cards there. I'll try to compare the most important points.

  • Tinkoff is a larger bank and financial indicators he's ahead. Included in the national TOP, but Modulbank is not included.
  • Tinkoff has individual accounts, and for those who have bank cards like , it will be very convenient to receive money on them instantly and without commissions. Modulbank does not work with individuals, it will only have an IP account.
  • Tinkoff has a tariff of 490 rubles / month. Modulbank has a free tariff, but there is a commission for transfers of 0.75% to individuals, so it will be more correct to compare with the Optimal tariff 388-690 rubles / month. So equally goes for service. Tinkoff charges another 99 rubles/month for SMS, they are free for the Module. But SMS is basically an optional function.
  • Tinkoff began opening foreign currency accounts in January 2017, but I didn’t open it, I can’t say anything. Currency control at Tinkoff is 0.2% of the amount (minimum 490 rubles), at Modulbank it is fixed 300 rubles for transactions up to 500 thousand and 1000 rubles for transactions of 500 thousand - 1 million rubles. But the Module has such a problem - for some reason, a commission of 15 ye is taken from some payments on the road, for example, from Google Adsense. With a similar payment to another bank, there is no commission.
  • Currency transfers from an individual entrepreneur's account to an individual's account will be free within Tinkoff Bank. In the Module, you will have to pay at least 30 ye for each currency transfer to your card in another bank.
  • Both banks have remote support and you can find out any question via chat, as well as perform some actions.

My review of Tinkoff Business

I admit honestly, I initially wanted it in, since I have been using their debit cards for many years. But I was denied without explanation. I suppose there were some technical jambs, because all this was at the very beginning, when they only offered services to legal entities and individual entrepreneurs. Then I opened an account with Modulbank (more on that below), but six months later I applied again to open an account with Tinkoff, and they gave the go-ahead! So keep in mind that if you want to go to Tinkoff, but you were refused, then you can try again after a few months.

I have a small IP and not so many transactions per month, so I didn’t want to pay decent amounts for maintenance every month, it’s somehow stupid to overpay for it. Actually, for this reason, I did not consider top banks, there are no inexpensive tariffs.

Tinkoff has a simple Internet bank, intuitive. I don't remember ever having any problems with it. Everything works clearly! IN Lately I increasingly use their mobile application, there you can do everything the same. Somehow even from the phone it became more convenient. Support responds via chat slight delay but always to the point. Really satisfied with him and with a clear conscience I can advise all my friends and subscribers.

Signature verification, internet banking, and account opening were free of charge, the representative came to my house 3 days after he left the application. We filled out the paperwork in 10 minutes and he left. It's great, of course, when no one needs to go, as is often the case in other banks.

Pro currency accounts I can’t say anything, I still have foreign currency accounts in Modulbank. Perhaps later I will completely switch to Tinkoff Business, but for now I’m too lazy to do all this, I use two banks.

My review of Modulbank

To be honest, when I opened an account with Modulbank, I did not expect anything special. We can say that I opened it out of hopelessness (see review about Tinkoff). However, the bank proved to be very convenient.

While everything suits me, no problems arose, not a single jamb at all. The procedure for opening an account took about 30 minutes, however, I had to go to their office in Moscow City (now they are already coming home or to the office). I did not pay anything for opening an account, certification of signatures, connection to the Internet bank.

The Module has a rather convenient and intuitive Internet bank, where you can always ask a question in an online chat. Sometimes they answer right away, sometimes you need to wait 10-20 minutes. At night, they often answer that a specialist will answer during business hours the next day. But I corresponded a lot with currency control they only work during the day. I like that everything is very simple, and there is no such confusion on security, as it was in the deceased Interactive bank. There, I remember, you are tormented to confirm the operation with various codes and passwords, but here it’s just a text message and that’s it.

It is also very easy to pass all foreign exchange earnings. I simply upload screenshots to the online chat, for example, from my Google Adsense account (only for the very first time, I still need to send an offer). And then I don’t need to fill in a bunch of fields in the certificate of a currency transaction, I don’t need to create an order to transfer from a transit account to a regular one, all this is done automatically, I just need to enter a password from SMS. Again, I remember how it used to be in other banks, I made a mistake somewhere (there are a lot of fields), so they call and ask to redo everything again. By the way, in Modulbank currency accounts (dollar, euro, yuan) are opened without visiting the office, also through online chat.

Banks for those who use My Business

I won’t talk about tariffs, users of the service can get to this page themselves and find out everything. I would not consider all banks, but I have already made my choice - Tinkoff / Modulbank (I have 2 accounts).

P.S. I update the post if possible, but tariffs can change quite quickly, so be sure to check everything on the banks' website, and write comments to me so that I can fix it myself.

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4,78 out of 5 (ratings: 69)

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    30 min. reading

    Updated: 16/04/2019

    Most detailed overview in the vastness of Runet! Are you looking for the best place to open a business account? We have prepared an overview of the tariffs of the best banks for entrepreneurs, we will tell you which bank is the most profitable. We will advise where to open an account for free, find out which banks do not charge service fees. We calculated the cost of payments for you, made a detailed comparison of tariffs, studied pitfalls, prepared tips from personal experience. Get comfortable and let's get started!

    I have been an IP for 11 years. For a long time I was a client of one bank. They had favorable conditions for settlement and cash services for individual entrepreneurs (hereinafter referred to as individual entrepreneurs), but the turn came to change this organization. From today's review, you will find out in which bank it is most profitable to open an IP current account. This article will be relevant both for beginners who are just thinking about their business, and for experienced entrepreneurs who have been operating for more than a year and are now deciding which bank is better to open a current account for an individual entrepreneur. In this article you will find comparisons of the rates of various banks, calculation scenarios for beginners and experienced entrepreneurs, and I will also share my own experience with you, from which you will learn about all the "pitfalls" when opening a bank account and its subsequent use.

    I have been registered as an entrepreneur since 2007. During this time I had several business projects. The first is a small tanning studio. For a year of work, I managed to increase the invested money by 2 times, after which I sold it. Then, I switched to internet projects. I had an online store for water-saving equipment. I have been doing it for 4 years. The invested money was repulsed many times, I did not count how much, but I was always in the black and I managed to sell it at a good price. There were several other small online stores, more precisely, one-page sites, where we sold Chinese goods at a crazy markup (sometimes up to 1000%). And now I'm focused on a content site that generates revenue through advertising (contextual, banner, mailing list advertising, etc.), CPA networks, affiliate programs.

    I registered an individual entrepreneur and a current account for him at the Ermak bank, Nizhnevartovsk, Khanty-Mansi Autonomous Okrug. It was a bank with the most favorable, at that time, conditions for settlement and cash services (RKO) in the city. Over the past 8 years, I have already changed 3 cities of residence. From Nizhnevartovsk I moved to Moscow, and from there three years later to Gelendzhik.

    The main problem that prompted me to look for another bank is working with a USB token. USB-Token is such a special key on a flash drive with which secure operations are performed (payments, transfers, etc.). These tokens have a limited period of time and need to be re-registered periodically. To re-register it, you need to bring a printed application, acts to the bank. Since I am in a city where there are no Yermak branches, this is a problem for me. The problem, in general, solvable, can be transferred by mail and courier, but the last straw for me was that the operator did not accept the Act from the courier, since my signature was different there.

    When I opened an account with this bank, I left samples of signatures along with the Agreement. Over the years of work, my signature has changed, and since I don’t see what my signature was on the sample in the bank, and the teller didn’t meet me halfway and couldn’t find a solution to this issue, except to sign the documents again, I decided to go to another bank, especially since technologies do not stand still and there are banks that work without these tokens and their security is no worse, all transactions are confirmed using SMS.

    It remains only to formulate the requirements for the new bank:

    • Service is not more expensive, and even better cheaper than in the previous bank;
    • Online banking with confirmation of transactions by SMS, not by USB token;
    • Mobile app for Android and iOS (desirable, but not required);
    • Presence of offices throughout the country (desirable, but not required).

    How banks were selected for analysis

    On this moment the content site is under development, which means that I have:

    • Small turns;
    • 1-3 incoming payments;
    • Extremely rare outgoing transactions (1-3 times a month), transfer to one of your debit cards in another bank;
    • STS - 6%, without employees.

    In this review, you will find out the rates of 10 banks, 7 of which are in the TOP-10 banks in the country in terms of assets. Three more banks were included in the review as the most advanced and technologically advanced. One of the criteria for manufacturability was the integration of the bank with an online accounting service, with which you can submit tax returns and interact with the tax authorities without leaving your home.

    To submit tax returns via the Internet, I use the Kontur.Elba service. There was a time when I had to submit reports directly to the tax office at the place of residence, when I lived in Nizhnevartovsk. I decided to find an alternative to queues even before I moved to the capital. You could kill a whole day at the tax office. Now it has become more civilized there, they have introduced an electronic queue system, and before that you had to come almost at 6 in the morning to take a queue.

    I want to warn you that in banks they may try to “divorce” you for additional insurance of a corporate card, as was the case with me at Sberbank. Moreover, managers do it quite brazenly, almost claiming that it is mandatory. Therefore, be more persistent in such cases, make it clear to such a banking scoundrel right away that you are not going to take out any insurance even in case of coercion.

    In the case of Sberbank, I see no point in a corporate card. Okay, the first year is free. But from the second year to pay 2.500 rubles. for a useless, in my case, service - I consider it a waste of money.

    Accrual% on the balance

    This is an interesting service that appeared on the RKO market not so long ago. Many banks actively use it in marketing campaigns and advertising. But what is it really?

    Take Tinkoff Bank. They promise 6% on the balance (simple tariff). If you look into the details, it turns out that a maximum of 3,000 r is charged per month.. That is, if you had a million in your account, then at a rate of 6% per annum you should be credited with approximately 4,600 rubles, but you will receive only 3,000 rubles.

    But that's not the worst. Interest is charged on the minimum monthly balance. Let's say you have 600,000 rubles in your account for almost the entire month. At a rate of 6% per annum, you will have to accrue about 2,700 rubles. But if during this period the amount on the account falls at least a day lower, then you will be counted on this very minimum amount. For example, you transferred 597,000 rubles to a wholesaler, and the next day this money was returned to the account as a result of the sale of goods. So the minimum balance is 3.000 r. 6% on this amount will be about 13 rubles.

    When I developed an online store, there were always large amounts of funds on my current account. Of course, it is interesting that they do not lie dead weight and at least some penny drips on them. But the entrepreneur constantly operates with this money, bought something, sold something. And the calculation of interest on the minimum amount makes this tool practically useless, or, as I noted above, marketing. It allows Tinkov to stand out from the competition, entrepreneurs are willing to follow this trick, but it brings little real benefit.

    Of our candidates similar service is also available in Modulbank, which offers 3% per annum on the average daily account balance from 30 thousand rubles. This means that the bank sums up all the days during the month when you had more than 30 thousand rubles in your account, then divides them by the number of days in the month and charges 3% per annum on the resulting amount.

    Let's try to figure out which is better. The table below shows 4 dates. On each of these dates, the status of the current account changed. On March 1, 300,000 rubles were received. Then, on March 12, 295,000 left and 5,000 rubles remained. On March 18, 495,000 rubles arrived. and the balance was 500,000 r. And finally, on March 24, another 120,000 rubles came. after which the balance became 620.000 p.

    Under the terms of Tinkoff Bank, 6% is charged on the minimum balance, in our example it is 5,000 rubles. The income will be about 25 rubles.

    Now let's calculate the profit in Modulbank. Here you need to consider receipts at which the balance was more than 30,000 rubles. It turns out 300.000 + 495.000 + 120.000 = 915.000 rubles. / 30 days = 30.500 rubles We consider 3% for this amount and it turns out about 77 rubles.

    As can be seen from the example, the percentage value is far from always decisive. Sometimes the way it is calculated wins. In the case of Tinkov, the amount of accrual will depend on the minimum amount in the account. And in the case of Modulbank, everything will depend on the amount of money received on your current account.

    Online accounting for individual entrepreneurs on the simplified tax system 6% and UTII

    If you are unfamiliar with this service, I will explain, it allows you to report to tax authorities without leaving home. This is very convenient as it saves you a lot of time. For me, as an Internet entrepreneur who constantly moves around regions and countries, this is an indispensable service.

    As noted above, there are specialized services, for example, Kontur.Elba or Moe Delo, which have wide functionality and allow you to submit declarations and other tax documents not only to simple individual entrepreneurs on a simplified system without employees, but also to individual entrepreneurs with employees, as well as LLC on special regimes(USN, Patent) and OSNO.

    Some banks have similar functions, only in a simplified version. To understand the difference between the functionality of online accounting in a bank and a specialized service, see the table below:

    SERVICE BANKS SERVICES KONTUR.ELBA AND MY BUSINESS
    Calculation of USN and UTII taxes, as well as insurance premiums for individual entrepreneurs Yes Yes
    Creating a payment order Yes Yes
    Payment reminder Yes Yes
    Sending a declaration to in electronic format Yes Yes
    Calculate the salary of employees, report for them to the tax office, Pension Fund and FSS. Yes Yes
    holidays, bonuses, travel allowances – Yes
    Accounting for goods, the history of the movement of goods in the warehouse, the formation of warehouse documents, inventory – Yes
    Issuing invoices, acts and invoices, invoices to counterparties using your own or ready-made templates – Yes

    This is an incomplete list of differences, the table reflects the most popular services. It is worth noting that most banks offer online accounting services only for individual entrepreneurs on a simplified basis without employees and a cash desk. This greatly reduces the number of potential customers and will be relevant for startups, and even then not for everyone.

    Of the minuses of online accounting of banks, it is worth noting the weak integration with the tax office and the lack of high-quality support. Let me give you an example from my experience:

    Recently, I received a letter from the inspectorate, in which the tax authorities demanded an explanation why I did not pay insurance premiums for one of the previous years. All calculations were made in Kontur.Elba, so the first thing I did was contact the support of this service for advice.

    The support staff, completely free of charge, checked my declaration, suggested which tax reconciliations should be ordered, and I did it in the personal account of the service and, further, advised me to print the payment documents on the paid insurance premiums and show all this to the tax authorities.

    Through Personal Area site taxpayer nalog.ruI created an appeal in which I indicated that I had paid all the insurances and attached scans of payments as evidence. Why did you do it through nalog.ru? Firstly, because geographically I was in another city and I considered it inappropriate to spend money on tickets to show these pieces of paper to the tax authorities. Secondly, when making an appeal, it is assigned an incoming number, which means that my appeal is drawn up in a proper document flow and civil servants do not have the right not to respond to my message.

    What is the conclusion from this story? Let the Kontur.Elba service cost me more than free bookkeeping through one of the banks, it gives me more advantages and assistance in those matters in which I myself am incompetent.

    If I were at the initial stage of my business, I would definitely consider opening a current account for an individual entrepreneur in one of these banks, which make it possible to report to the tax office for free, because in the first years of doing business, the probability of error when submitting reports will be minimal , and the money that is required to pay for one of the online accounting services is better spent on business development.

    We determine the most profitable bank

    Now let's try to determine which bank is more profitable in various use cases. In all scenarios, only the number of outgoing payments will change. Incoming payments are free everywhere, but the cost of outgoing payments is different. Well, let's not forget to calculate the service, commissions for the withdrawal of profits and other payments.

    Scenario #1: up to 5 outgoing transfers per month

    This is a scenario for beginners who will have few payments. Since I am currently developing new project, then these calculations will be very relevant for me.

    • When calculating the cost of outgoing payments to legal entities, we will take the maximum figure for this scenario 5. This means that in some months, when there will be fewer outgoing payments, for example, 1-2, the cost of servicing will be cheaper in some banks.
    • When calculating the cost of outgoing payments for individuals we will start from the figure of 100,000 r. Here we mean that we will withdraw the earned profit to debit cards opened either in the same bank or in other banks. It is clear that in each individual case different amounts will be displayed, but since we agreed that this scenario is designed for beginners, we will assume that the beginner will have a small income. And we will break these 100 thousand rubles. for 4 outgoing payments of 25 thousand rubles each, since we mean that the money to the account will be received not in one large amount, but in different parts, and we seem to be withdrawing 25 thousand rubles each. every week for life.
    Bank Alfa Bank Tinkoff Dot Modulbank Sberbank VTB Opening Raiffeisen
    Monthly maintenance 490 408 750 490 0 900* 492 990
    100 98 0 95 200 0 158 125
    0 0 0 0 0 0 0 125
    0 0 + 99** 0 76 (4 x 19) 44 + 62,5*** 0 0 + 99**** 100
    590 0 0 0 500 0 0 500
    1180 605 750 661 806,5 0 749 1840
    Total for the year 7670 7260 9000 7932 4.178 10800 8988 16580

    * - Calculations for bank VTB I did it taking into account the perpetual promotion, otherwise the bank's tariffs are unprofitable. The first 3 months the service is free, then 1200 rubles. per month.

    ** - Since in Tinkovo ​​you can only withdraw to your debit cards without commissions, we will include a fee for servicing a debit card in the costs Tinkoff cards Black (99 rubles per month)

    *** - In Sberbank, servicing a classic debit card costs 750 rubles. the first year or 62.5 p. per month. From the second year, maintenance is 450 rubles / year or 37.5 rubles / month. Don't forget about unnamed card Momentum, whose service is free, but I do not take it into account here, since it is not easy to open it, it does not happen in all service offices.

    **** - In Otkritie bank, as well as in Tinkov, without commissions, profits can only be withdrawn to a debit card of an individual opened within the bank. The cost of servicing the cheapest debit card costs 99 rubles / month

    So, as can be seen from the table, the Sberbank tariff is out of competition. It is almost 2 times cheaper than its closest pursuer, Tinkoff Bank.

    Scenario #2: up to 20 outgoing transfers per month

    Now let's determine the most profitable current account for an individual entrepreneur who is more active than in the first scenario. To do this, I took the data of the online store for one of the past active periods. The turnover of the store for the year amounted to about 5.5 million rubles. My account received 338 incoming payments (they could not be counted) and there were 186 outgoing payments, of which:

    • 44 were to the accounts of individuals, including to their debit cards on total amount 3.380.056 rubles;
    • 12 payments to tax authorities and FIU;
    • 130 payments to accounts of legal entities.

    Divide this data by 12 months of the year, rounded up and get:

    • 4 outgoing payments per month to individuals for a total amount of 281.671 rubles;
    • 1 payment per month to the tax authorities and the FIU;
    • 11 payments per month to the accounts of legal entities.

    Now let's calculate the rates:

    Bank Alfa Bank Tinkoff * Dot Modulbank Sberbank VTB Opening Raiffeisen
    Monthly maintenance 490 990 750 490 0 900* 492 990
    External payments in rubles through the Internet bank to the accounts of legal entities and individual entrepreneurs 400 29 300 209 800 600 632 275
    Tax and budget payments 0 0 0 0 0 0 0 25
    Payments to accounts of individuals 820 99 500 + 2460 76 (4 x 19) 44 + 660 + 62,5*** 1320 1320 + 99**** 100 + 1820
    Signature card 590 0 0 0 500 0 0 500
    Total in the first month of service 2.300 1.118 4.010 775 2066,5 2.820 2.543 3.710
    Total for the year 21.110 13.416 48.120 9.300 19.298 33.840 30.516 39.020

    * – In the second scenario, the Advanced tariff is considered, while in other cases, the Simple tariff was considered above. In this calculation, Advanced is more profitable than Simple.

    From the table it becomes obvious that this time Modulbank is the leader. However, this approach to defining the best bank not entirely correct, because each bank in the line has several tariffs, the limits and commissions for each of which are different, so the correct conclusion that we can draw from the second scenario is as follows:

    As your business grows, you need to review the rates of different banks and change them to the most profitable ones, otherwise you risk overpaying every year for servicing a current account.

    I studied the tariffs of the analyzed banks and came to the conclusion that changing the tariff to a higher one in tariff scale each bank will not make much difference. Only in Tinkovo, if you switch to the Advanced tariff, you can reduce the cost of annual maintenance to 12 thousand rubles. In other cases, the cost of maintenance increases.

    What else to pay attention to?

    Signature card

    In the comparison table above, I also noted a few more points, for example, the design of the card with sample signatures. Such a card is needed for the bank employee to verify any documents and identify your signature. This is necessary so that documents are not forged for you. For example, you have been billed for payment. For some reason, you could not use the online bank and printed the document on paper, and then took it to the bank. When accepting this payment order, a bank employee will verify the signature on the document with the sample signature on the same card that you issued when opening a current account for an individual entrepreneur. If the signatures match, then the banker will transfer the money according to the payment document, if not, then return it back.

    So, in many banks from the table above, such cards are not issued, more precisely, they are not mandatory for issuance, because, for example, the same Tinkoff bank does not have service offices and all payment documents can be issued only through your online personal account. bank, where each payment is confirmed by SMS.

    But when you come to open a current account at the same Sberbank, an employee with a straight face will say that it is necessary to issue a card with sample signatures, the cost of which is 250 rubles in Gelendzhik, and 500 rubles in Moscow. The cost is small, but I am more outraged when unnecessary services are imposed on you. I agreed and only later found out that it was not necessary to draw up this card.

    There are banks where issuing a card with sample signatures is mandatory when opening an account, for example, in Alfa-Bank, the cost of the service is 590 rubles. Without this, you will not be able to open an account.

    Account closing cost

    In my former Sovdepovsky Ermak, they took 500 rubles from me for closing an account. Fortunately, in most modern banks this service is free.

    Account statement cost

    After the massive cleansing of the banking sector by the Central Bank of the Russian Federation began, the surviving banks are afraid of any claims from the regulator and zealously comply with all its requirements and instructions, one of the most terrible, among which is 115 Federal Law "On countering the legalization (laundering) of income received by criminal way, and the financing of terrorism”. As a result, many accounts of individual entrepreneurs and LLCs have recently been closed, the activities of which seemed suspicious to financial monitoring services. In 2017 alone, according to the Delovaya Rossiya public organization, banks closed at least 500,000 business accounts.

    What does this mean for you? Your account can be blocked at any time, even if you are doing business honestly and openly. Therefore, you must immediately imagine the consequences.

    1 First, if you actively use the account, then your current contracts may suffer, as happened with the businesswoman Xenia:

    I work in the field of public procurement, the business is absolutely transparent, all Contracts can be checked on the public procurement website. We use the account every day, it was a complete surprise for me when my operations were suspended.

    Because of this, I was unable to purchase goods for one of my customers. Now I will not be able to deliver the goods on time and will suffer losses due to the terms of the Agreement. And yet, I could not pay another invoice for transport delivery with an order for another client, now the car is idle with my cargo.

    Who will compensate me for the losses incurred and the loss of reputation? How do you look customers in the eye now?

    2 Second, if your account is blocked, then you may need a current account statement, on which you will then calculate taxes. The statement can also be uploaded to Kontur.Elba or My Business and the services will calculate the tax amount for you.

    Some banks charge crazy money for such statements:

    • Tinkoff - 2990 rubles.
    • Modulbank - 2500 rubles.
    • Alfa-Bank - 600 rubles.

    How to choose a bank to open a current account - recommendations and advice

    Since in this review, when choosing a bank, I proceeded from my needs and wishes, I will give you advice on what to look for when choosing a bank for cash settlement.

    1 Determine the list of required services. Before compiling your list of banks for rating, determine what you will need in the process of work. For me, this is, for example, an online bank that works without tokens. Maybe you need salary project, currency account or .

    2 Learn the features of the bank and its services. The presence of the service you need does not determine its quality, in different banks it may differ. Read online reviews, call hotline bank for details. For example, not all online banks work on poppies (company products), not all banks have a mobile version. If you are making transfers abroad, then you need to find out how much it will cost to maintain an account in foreign currency, as well as the cost of foreign exchange transfers. If by the nature of your activity you need to deposit cash, then it is better to choose a bank with a wide branch network, etc.

    3 Integration with various services. In the review, I already mentioned the integration of online banks with services such as Kontur.Elba and Moe Delo. In addition to them, there are many other services that can also be integrated with your bank, for example, 1C, My Warehouse, Button, Fingeroo, etc.

    4 Location of ATMs. Explore the ATMs of which banks are near your home or on your way to work. This will help save time on withdrawing cash from the card.

    5 Find out where your counterparties are served. It may be worth opening an account in the same bank where the accounts of your main counterparties are opened. This will help save on commissions, speed up the time of payments, partially, minimize questions from the financial monitoring of the bank.

    6 Look at the payment processing time. For example, in my former Yermak, payments were processed from 8:00 to 16:00, and there are banks where the payment processing time is from 4:00 to 21:00.

    7 Interest on account balance. Sometimes the interest on the balance can cover the monthly maintenance of the current account or at least reduce it.

    9 Bonuses from partners. When opening an account, many banks offer bonuses from partners, for example, if you advertise your services in Yandex.Direct, Google Adwords or myTarget, you can get special promo codes up to 75,000 rubles.

    Or you can get several months of free service in various cloud services, such as Kontur.Elba, My Business, 1C Entrepreneur, AmoCRM, or post a free job on HH.ru

    Frequently Asked Questions (FAQ)

    Is it necessary to open a bank account and is it possible to maintain an IP without a current account?

    By law, an individual entrepreneur can operate without opening a current account, but with some restrictions. In particular, cash settlements with legal entities and other individual entrepreneurs are limited to 100 thousand rubles. under one contract. For example, you rent an office for 10 tr. per month. Usually the agreement is concluded for 11 months, which means that the amount of 110 thousand rubles will be specified in the Agreement, which is prohibited (5 and 6 paragraphs of the Bank of Russia Directive No. 3073-U dated October 7, 2013). IN this case it is possible to conclude 2 contracts with the landlord, for six months each, which will allow you to meet the required limit within the framework of one Contract, but for this you must have a good, close relationship with a partner who agrees to do this.

    The main problem that you may encounter if you work without a cash account is interaction with other counterparty organizations, although much depends on the type of your activity. If your activity involves working with other organizations, settlements with which will be made in a non-cash way, for example, the purchase or shipment of any goods to legal entities, then you can’t go anywhere without an account, since not every organization wants to work with an individual entrepreneur, transferring money to him for services or goods in cash, which is fraught with additional costs for various kinds of commissions. If you are engaged in retail sales or services and accept cash payments, then you may well work without a cash account. Where is the best place to open a bank account?

    The information presented in this review suggests that it is most profitable to open a current account at Sberbank, Bank Tinkoff, Modulbank and Alfa-Bank. These banks offer not only the most favorable rates, but also the most competitive online banking functionality and capabilities.

    Which banks open a current account for free

    Open a checking account for free the following banks: Sberbank, Tinkoff, Alfa-Bank, Modulbank, Tochka, Otkritie, Raiffeisen, VTB (for a promotion, check with managers). These are the banks reviewed in this review. Surely there are a lot of other banks where you can open a cash account for free, the purpose of the article was different, namely, to analyze the most reliable and functional banks for which bank to open a current account is most profitable.

    Reasons for refusal to open an account

    If you were refused to open a current account, then this could happen for one of the following reasons:

    • Bad reputation. Perhaps you are on the bank's blacklist or the Rosfinmonitoring blacklist (terrorists and their accomplices), which banks check when analyzing a client. You can get into the list of unreliable clients for delays or non-payment of a loan, including those issued to an individual, for opening too many accounts, as well as for blocking an account with a bank, for example, for non-payment of taxes, alimony, any fines.
    • Problems with documents. This is a trifle compared to an unreliable reputation, because document problems are easy to fix, but fixing your reputation is much more difficult. The bank may refuse if you made some mistake in the application or forgot to provide any document or its copy, etc.
    • Invalid information. After filling out the application form and providing a set of documents, the bank's security service will definitely conduct an inspection. If you provided false information, you may be denied opening a bank account.
    • Problems with tax or other government agencies. If you do not pay taxes, insurance premiums, duties and other important payments, then this may be the reason for the refusal of the bank.
    • A victim of statistics, or an attempt to serve the Central Bank of the Russian Federation. This is a rare cause, but it does exist. The fact is that in connection with the mass cleansing of the banking sector, all banks are trying to clearly follow all the recommendations. Every year, each bank reports to the Central Bank, including the percentage of refusals to open a bank account. If the failure rate is zero, then this may cause unnecessary questions from the regulator to the bank, which top managers try to avoid. Therefore, you may well become a victim of statistics. There is no need to despair if you were refused in one bank - go to another, if they refuse there too, probably the reason is not in statistics, but in something else.

    Can an individual entrepreneur have several current accounts in different banks?

    The law does not restrict the entrepreneur in this regard; you can open any number of accounts in any bank and any region. If you are active, then this can even be useful. If suddenly the financial monitoring of the bank considers your transactions doubtful and decides to block the account, then while the proceedings are going on, another account opened with another bank will come in handy, which you can use for urgent settlements with counterparties.

    What documents are needed to open a current account?

    In most banks, to open a current account, it will be enough for you to present your passport and TIN. However, the bank, at its discretion, may require you to provide any other documents, for example, a notarized signature card, a certificate of registration of an individual entrepreneur, an extract from the USRIP, licenses necessary for the activities of an individual entrepreneur. It is always better to find out the exact list of documents on the website or by calling the bank you are interested in.

    Which banks do not close accounts?

    Such banks do not exist, because all banks are under the control of the Central Bank of Russia, and that, in turn, has laws and regulations. One of them is the Law on Combating the Financing of Terrorism and Money Laundering. Money. There are entrepreneurs who conduct dishonest business and cash out, both through one-day IPs and through one-day LLCs. Therefore, if your transactions fall under the control of financial monitoring and seem suspicious, then your account will be blocked.

    A successful individual entrepreneur at some point is faced with the fact that he needs a current account to make transactions for large sums of money with partners. However, finding the right bank for this is not an easy task. From this article, you will learn what criteria you need to pay attention to when opening a current account, and which banks provide the most advantageous offers.

    Account opening

    Be sure to specify how much it costs to open a current account for an individual entrepreneur in the bank that interests you. Most of them abandoned the paid system and now open settlement accounts for free. However, among the leading banks there are those that still charge a fee for this, which ranges from 1,000 to 3,000 rubles.

    Monthly maintenance

    Monthly maintenance also plays an important role. It can also be free or paid. It all depends on the terms of the account. For example, some banks provide a strictly limited number of free payments per month, while additional ones are bought for a fee. It is on this that accounts with free monthly maintenance make a profit. Paid service implies a larger or unlimited number of payments per month, or a set of additional functions.

    Internet banking connection

    No one wants to waste time in queues at branches, so look for a current account with the Internet payment function connected. Then you don't have to waste your energy on a trip to the nearest bank branch to conduct business transactions.

    Tax and budget transfers

    It is quite easy for current account holders to pay taxes, especially considering that some banks are willing to handle this issue for you. Behind additional fee you can add a service, thanks to which all tax and budget transfers will be managed by the bank.

    Interbank transfers

    Money transfers always require a commission, but only for some accounts it is clearly overpriced, while for some it is quite acceptable. If you know that you will be making many transactions between banking organizations, then you need to pay attention to this criterion.

    Cashing out money

    The conditions under which you open a current account also determine how much money and for what cost you can cash out. Accounts usually have tariffs that break the amounts of money into several steps. For example, you can withdraw up to 50 thousand for free, from 50 to 100 thousand - for 1% of the amount, and from 100 to 500 thousand - for 3%. In some cases, the commission for withdrawing money is included in the maintenance of the account, and then this service is free.

    Corporate card

    In order to have free access to their finances at any time, an individual entrepreneur will need a corporate card. Often they are issued for an additional fee, but it also happens that they go as a bonus to expensive services. The number and properties of cards vary from bank to bank, so do your due diligence before opening an account.

    Accrual% on the balance

    Another bonus that some banks delight IPs with is interest. That is, it turns out that your working capital also ends up in a savings account, under the terms of which you are paid interest on the money that you have left at the end of the month. Usually they are not very large, but still a nice addition, especially with inflation conditions.

    Online accounting for individual entrepreneurs

    Individual entrepreneurs rarely hire professionals and do their own bookkeeping. To simplify this task, a number of banks decided to create an online accounting function that displays all the income and expenses of an individual entrepreneur, helps to compile a monthly report and calculate taxes payable. A very useful service, it greatly simplifies the workflow, so if you think that you will soon get lost in the numbers, definitely look for a checking account with it.

    Top 10 Best Banks for Sole Proprietors - Rate Comparison

    Tinkoff bank

    Tinkoff Business offers the "Simple" tariff for beginners and existing entrepreneurs. "Simple" is aimed at those who are just starting their own business, as it offers them very favorable conditions for opening and maintaining an account.

    • Opening and maintenance for the first six months is free for them, then only 450 rubles a month.
    • Three free payment orders can be made monthly, the next - for 49 rubles each. The function becomes free if you connect a special application "Interbank - no commission."
    • The commission for withdrawing money from the account ranges from 1.5 to 10 percent, depending on the amount withdrawn.
    • The "Simple" tariff supports online banking and has special applications for IOS and Android.
    • In addition to basic services, the tariff also provides promotion of your business in in social networks and gives free access to online accounting for 45 days, the following days are charged.

    Alfa Bank

    The orientation of Alfa Bank is more biased towards established individual entrepreneurs who are willing to pay for the services they offer. The "Start" tariff is famous for its security and a set of additional features that make working with it more efficient.

    • Opening an account is free, but you have to pay 490 rubles a month for maintenance without any discounts and additional conditions.
    • All payment orders are paid, from 1 to 6 - 45, all subsequent - 150 rubles.
    • It is possible to connect personal online banking for 990 rubles per month.
    • Cash withdrawal takes place with a commission from 2 to 11 percent, depending on the amount.
    • It makes it possible to issue a corporate card linked to an account for 299 rubles.
    • Has a wide spectrum additional bonuses– assists in opening your own online store, promotes business through social networks, provides free online accounting services for six months.

    Bank Tochka

    The "Minimum" tariff has become incredibly popular among beginner IPs due to the fact that it provides most of its functions for free. On the other hand, it also does not have any additional bonuses or services that entrepreneurs might be interested in.

    • Opening, maintenance, cash withdrawal, online banking are free.
    • The bank assists in registering an enterprise in the register for 2800, and this includes the state duty.
    • It has its own app for IOS.

    Modulbank

    Modulbank is considered the offspring of Sberbank and positions itself as a bank for small businesses. Its "Starting" tariff provides all the conditions that are necessary for the comfortable maintenance of a current account.

    • Account opening and maintenance is free.
    • Each payment order costs 90 rubles.
    • It is possible to withdraw money from the account with a commission from 1.5 to 20 percent, depending on the amount.
    • Supports free online banking, almost all operations can be carried out via the Internet. It also has a very fast and high-quality application for IOS and Android.
    • As a bonus, there are gifts from Modulbank's partner firms - from Yandex, OZON and others.

    Promsvyazbank

    The Business Start tariff is suitable for those who do not want to spend money on an expensive current account, but want to receive the entire basic set of services.

    • Opening, servicing and withdrawing cash at this rate is free.
    • Payment orders are also not too expensive: the first three are free, all subsequent ones cost 99 rubles.
    • There is online banking with a wide variety of available services - almost any transaction can be made via the Internet without coming to a branch of Promsvyazbank. Supports a good application for smartphones.
    • The tariff also provides loans for small businesses on small amounts. They have preference in the consideration of the application and their execution.

    Sberbank

    The biggest Russian bank also did not stand aside and also pleased with his offer of a tariff for individual entrepreneurs. The "Easy Start" tariff contains everything you need for comfortable work.

    • Opening and maintaining an account is free.
    • The first three payments are free, but all subsequent ones are already 100 rubles each.
    • Stable commission for cash withdrawal - 3% of any amount.
    • "Easy Start" is connected to the online bank, and opens all possible services there. There is also an application for smartphones, but it is difficult to use, as it slows down phones a lot.
    • The tariff offers an unusual bonus system: business promotion in social networks and a free monthly subscription to the hh.ru website to search for employees.

    VTB 24

    VTB 24 is not often mentioned when it comes to serving small businesses, but in vain. The "Business start" tariff allows you to get a large amount of services for the appropriate payment.

    • Opening an account in this case will cost 1500, but it will be done almost instantly.
    • The service will cost you 1200 rubles per month, but you will have access to free cash withdrawals.
    • Five free payments per month will be available to you, the rest - for an additional fee, depending on the amount of the order.
    • The tariff provides promotion in social networks and gives free annual access to online accounting services.

    Raiffeisen bank

    Raiffeisen Bank with its Start tariff offer a truly European product on the Russian market - there is nothing superfluous in this current account, but the services that are provided are offered for adequate payment.

    • Opening an account is free, but monthly service costs 990 rubles.
    • This tariff has a rather sparing cost of payment orders compared to other offers - only 25 rubles per payment order.
    • Cash withdrawal is possible with a commission from 1 to 10 percent.
    • "Start" is connected to the online bank, and through it you can perform most of the tasks related to the account.

    Ural Bank for Reconstruction and Development

    This bank can hardly be called advanced, but in terms of offerings for small businesses, it clearly outperformed many competitors. Its "Online" tariff is somewhat similar to the offer of Raiffeisen Bank, but it has a little more favorable conditions according to some parameters.

    • Free account opening, maintenance fee - 900 rubles per month.
    • The cost of one payment order is only 27 rubles, much lower than most competitors.
    • The commission for cashing out money is quite small - from 1.1% to 7.5%.
    • It is especially beneficial to open an account with this bank if you are already its client - in this case, you will be guaranteed a 50% discount on the Start tariff.

    Bank Avangard

    Our rating is closed by Avangard Bank with the "Basic" tariff. This offer doesn't really have any features or bonuses, but it's fairly well balanced in terms of cost-of-service-quality.

    • The cost of opening an account is 1000, monthly maintenance is 900 rubles.
    • The price for one payment order is not very high - 30 rubles.
    • stable commission for cash withdrawal – 3%.
    • Support for online banking and smartphone applications.

    Comparison of bank tariffs for individual entrepreneurs is presented in the table:

    Bank and tariff Opening cost Cost per month Payment order cost Additional Information
    Dot, "Minimum" For free For free For free Online registration of IP - 2,800 rubles (including state duty)
    Tinkoff, "Simple" For free Free for the first 2 months, then 450 rubles 3 free, the next for 49 rubles Transfer of salary to any cards
    Promsvyazbank, Business Start For free For free First 3 - free, then - 99 rubles Free transfer of funds to the account of individuals
    Modulbank, "Starting" For free For free 90 rubles Maximum account turnover per month - 1,000,000 rubles
    Alfa Bank, "On the start" For free 490 rubles From 1 to 6 - 45, all subsequent - 150 rubles Free account maintenance in foreign currency
    Sberbank, Easy Start For free For free 3 free, next 100 rubles Free corporate cards- credit and debit
    OTP Bank, "Basic" For free 2200 rubles 12 free, next 27 rubles Convenient tariff for start-up entrepreneurs
    Opening, "Comfort" For free Free for the first 4 months, then - 1,290 rubles 10 - free, the next for 49 rubles Provide business registration services
    Vanguard, "Basic" 1000 rub 900 rubles 30 rubles Support for online banking and smartphone applications.
    UBRD, "Online" For free 850 rubles 26 rubles In this tariff, payments are made the next day

    Let's summarize. We dismantled best deals that are on the market for services for small businesses. You can see that almost every tariff attracts with one or two features that may be important for a certain range of customers - someone needs cheap payments, someone needs a low commission for cashing out money, someone needs a budget current account for starting a business . Now there are no offers that would not lure customers with special bonuses. Decide for yourself what exactly you want from your account, so as not to overpay for services that you do not use. Based on your needs, and then you can choose exactly what you need. Do not forget to check the proposed current account according to the criteria described at the beginning of the article, and then you will definitely find the only one whose set of services will suit you.

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