30 min. reading

Updated: 12/15/2018

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

I have been an individual entrepreneur for 11 years. For a long time I was a client of one bank. They had favorable conditions settlement and cash services for individual entrepreneurs (hereinafter referred to as individual entrepreneurs), but the time has come to change this organization. From today's review you will find out which bank is the most profitable to open an individual entrepreneur's current account. This article will be relevant both for beginners who are just thinking about their own business, and for experienced entrepreneurs who have been operating for several years and are now deciding which bank is best to open a current account for individual entrepreneurs. In this article you will find comparisons of tariffs of various banks, calculation scenarios for beginners and experienced entrepreneurs, and I will also share with you own experience, 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. Within a year of work, I managed to double the invested money, after which I sold it. Then, I switched to Internet projects. I had an online store for water-saving equipment. I did this for 4 years. The invested money was returned many times over, I didn’t 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 huge markup (sometimes up to 1000%). And now I am focused on a content site that generates profit through advertising (contextual, banner, newsletter advertising, etc.), CPA networks, and affiliate programs.

I registered an individual entrepreneur and a current account for him in Ermak Bank, Nizhnevartovsk, Khanty-Mansiysk Autonomous Okrug. It was a bank with the most favorable, at that time, conditions for settlement and cash services (CSR) 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 was working with a USB token. A USB Token is a special key on a flash drive that is used to carry out secure operations (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 and acts to the bank. Since I am in a city where there are no Ermak branches, this is a problem for me. The problem, in general, can be solved, can be conveyed by mail or 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 sample signatures along with the Agreement. Over the years of work, my signature has undergone changes, and since I do not see what my signature was on the sample located in the bank, and the operator did not meet me halfway and could not find a solution to this issue other than to sign the documents again, I decided to go to another bank, especially since technology does not stand still and there are banks that operate without these tokens and their security is no worse, all transactions are confirmed via SMS.

All that remains is to formulate the requirements for the new bank:

• The service is not more expensive, and even better, cheaper than in the previous bank;
• Online banking with confirmation of transactions via SMS, not via USB token;
• Mobile application for Android and iOS (preferred, but not required);
• Presence of offices throughout the country (preferable, but not required).

How banks were selected for analysis

On this moment The content site is at the development stage, which means that I have:

• Low speed;
• 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 tariffs of 10 banks, 7 of which are in the TOP 10 banks in the country by assets. Three more banks were included in the review as the most advanced and technologically advanced. One of the criteria for technological effectiveness was the integration of the bank with an online accounting service, with which you can submit tax returns and interact with tax authorities without leaving your home.

To submit tax returns via the Internet, I use the service Kontur.Elba. There was a time when I had to submit reports directly to the tax office at my 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 spend a whole day at the tax office. Now it has become more civilized, they have introduced an electronic queue system, but before you had to arrive almost at 6 in the morning to get in line.

I want to warn you that banks may try to trick you into getting additional insurance for a corporate card, as happened to me at Sberbank. Moreover, managers do this quite brazenly, almost claiming that this is mandatory. Therefore, be more persistent in such cases, make it immediately clear to such a bank scoundrel that you are not going to take out any insurance even in the event of coercion.

In the case of Sberbank, I don’t see the point in a corporate card. Okay, the first year of service is free. But from the second year you have to pay 2,500 rubles. for a useless, in my case, service - I consider it a waste of money.

Accrual of % on balance

This is an interesting service that appeared on the cash settlement market not so long ago. Many banks actively use it in marketing campaigns and advertising. What's the reality?

Let's 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 rubles is credited per month. That is, if you had a million in your account, then at a rate of 6% per annum you should be credited approximately 4,600 rubles, but you will receive only 3,000 rubles.

But that's not the worst thing. Interest is calculated on the minimum balance for the month. 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 be charged about 2,700 rubles. But if during this period the amount in the account drops lower by at least one day, then you will be credited for this very minimum amount. For example, you transferred 597,000 rubles to a wholesaler, and the next day this money was returned to your account as a result of the sale of goods. This means the minimum balance is RUR 3,000. 6% on this amount will be about 13 rubles.

When I developed an online store, there were always large amounts of funds in my checking account. Of course, it is interesting that they do not lie like a dead weight and at least some penny drips on them. But the entrepreneur constantly operates with this money, buying something, selling something. And charging interest on a minimum amount makes this tool practically useless, or, as I noted above, a marketing one. It allows Tinkov to stand out from his competitors; entrepreneurs are willing to fall for this trick, but it brings real benefits to few.

From our candidates similar service is also available in Modulbank, which offers 3% per annum on the average daily account balance of 30 thousand rubles. This means 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 calculate which is more profitable. 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 was gone and 5,000 rubles remained. On March 18, 495,000 rubles arrived. and the balance was 500,000 rubles. And finally, on March 24, another 120,000 rubles arrived. after which the balance became 620,000 rubles.

According to 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 count receipts for 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 rub. We calculate 3% for this amount and it turns out to be about 77 rubles.

As can be seen from the example, the percentage value is not always decisive. Sometimes the method of calculating it 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 amounts received into your current account.

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

If you are unfamiliar with this service, let me 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 across regions and countries, this is an indispensable service.

As noted above, there are specialized services, for example, Kontur.Elba or My Business, which have wide functionality and allow you to submit declarations and other tax documents not only for simple individual entrepreneurs on a simplified basis without employees, but also individual entrepreneurs with employees, as well as LLCs on special modes(USN, UTII, 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	CONTOUR.ELBA SERVICES AND MY BUSINESS
Calculation of taxes simplified tax system and UTII, as well as insurance premiums for individual entrepreneurs	Yes	Yes
Creating a payment order	Yes	Yes
Payment Reminder	Yes	Yes
Sending the declaration to in electronic format	Yes	Yes
Calculate employee salaries, report them to the tax authorities, Pension Fund and FSS.	Yes	Yes
, vacation pay, bonuses, travel allowances	–	Yes
Accounting for goods, history of movement of goods in the warehouse, generation of warehouse documents, inventory	–	Yes
Issuing invoices, acts and invoices, invoices to counterparties using our own or ready-made templates	–	Yes

This is an incomplete list of differences; the table shows the most popular services. It is worth noting that most banks offer online accounting services only for individual entrepreneurs in a simplified manner without employees and a cash desk. This greatly reduces the number of potential clients and will be relevant for startups, but not for everyone.

Among the disadvantages of online banking accounting, it is worth noting the weak integration with the tax authorities and the lack of 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 to provide 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 reconciliations with the tax office should be ordered, and I did this in my personal account of the service and, further, advised me to print out payment documents about the insurance premiums paid and show all this to the tax authorities.

Through Personal Area taxpayer on the website nalog.ruI created an appeal in which I indicated that I had paid for all the insurance and attached scans of payment slips as proof. Why did you do it through nalog.ru? Firstly, because I was geographically 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 filling out an appeal, it is assigned an incoming number, which means that my appeal is processed in a manner that is appropriate for document flow and civil servants have no right not to respond to my message.

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

If I were at the initial stage of my entrepreneurial activity, then I would definitely consider the issue of opening a current account for an individual entrepreneur in one of those banks that make it possible to report to the tax authorities for free, because in the first years of doing business, the likelihood of an error when submitting reports will be minimal, and the money required to pay for one of Online accounting services are better spent on business development.

Determining the most profitable bank

Now let's try to determine which bank is more profitable under different usage scenarios. In all scenarios, only the number of outgoing payments will change. Incoming payments are free everywhere, but the cost of outgoing payments differs. Well, let’s not forget to calculate maintenance, commissions for withdrawing 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 service will be cheaper in some banks.
• When calculating the cost of outgoing payments to individuals, we will start from the figure of 100,000 rubles. 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 withdrawn, but since we have agreed that this scenario is designed for beginners, we will assume that the beginner will have a small income. And we will split these 100 thousand rubles. for 4 outgoing payments of 25 thousand rubles, since we mean that money will be received on the account not in one large amount, but in different parts, and we seem to be withdrawing 25 thousand rubles each. every week for a living.

Bank	Alfa Bank	Tinkoff	Dot	Modulbank	Sberbank	VTB	Opening	Raiffeisen
Monthly service	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 according to VTB Bank I did it taking into account the unlimited promotion, otherwise the bank’s tariffs are unprofitable. The first 3 months of service are free, then 1200 rubles. per month.

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

*** – At Sberbank, servicing a classic debit card costs 750 rubles. first year or 62.5 rub. per month. From the second year, service is 450 rubles/year or 37.5 rubles/month. Don't forget about unnamed card Momentum, the service of which is free, but I am not taking it into account here since it is not easy to open, is not available in all service offices.

**** – In Otkritie Bank, as in Tinkovo, without commissions, profits can only be withdrawn to an individual’s debit card opened within the bank. The cost of servicing the cheapest debit card costs 99 rubles/month

So, as you can see from the table, Sberbank’s tariff is beyond 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 online store data for one of the past active periods. The store’s turnover 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 RUR 3,380,056;
• 12 payments to tax authorities and the Pension Fund;
• 130 payments to the accounts of legal entities.

Divide this data by 12 months of the year, rounding 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 Pension Fund;
• 11 payments per month to the accounts of legal entities.

Now let's calculate the tariffs:

Bank	Alfa Bank	Tinkoff *	Dot	Modulbank	Sberbank	VTB	Opening	Raiffeisen
Monthly service	490	990	750	490	0	900*	492	990
External payments in rubles via Internet banking 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 individuals' accounts	820	99	500 + 2460	76 (4 x 19)	44 + 660 + 62,5***	1320	1320 + 99****	100 + 1820
Card with sample signatures	590	0	0	0	500	0	0	500
Total for 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 becoming the leader. However, this approach to determining the best bank is not entirely correct, because each bank in the line has several tariffs, the limits and commissions on each of which are different, so the correct conclusion that we can draw from the second scenario is this:

As your business grows, you need to review the tariffs of different banks and change them to the most favorable ones, otherwise you risk overpaying every year for servicing your 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 schedule each bank will not change the situation much. Only in Tinkov, if you switch to the Advanced tariff, you can reduce the cost annual maintenance up to 12 thousand rubles. In other cases, the cost of service increases.

What else should you pay attention to?

Card with sample signatures

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

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

But when you come to open a current account at the same Sberbank, the employee with a calm face will say that you need 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 learned that it was not necessary to issue this card.

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

Cost of account closure

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

Account statement cost

After the massive purge of the Central Bank of the Russian Federation began banking sector, 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 combating the legalization (laundering) of proceeds from crime and the financing of terrorism.” As a result, for Lately Many individual and LLC accounts were closed, the activities of which seemed suspicious to financial monitoring services. In 2017 alone, according to the public organization Delovaya Rossiya, banks closed at least 500 thousand accounts of entrepreneurs.

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

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

I work in the field of public procurement, the business is absolutely transparent, all Agreements can be checked on the public procurement website. We use the account every day; it came as a complete surprise to me when my transactions 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 incur losses due to the terms of the Agreement. And yet, I was unable to 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 loss of reputation? How can you look your clients in the eye now?

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

Some banks charge crazy amounts of money for statements like these:

• Tinkoff – 2990 rub.
• Modulbank – 2500 rub.
• Alfa-Bank – 600 rub.

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

Since in this review, when choosing a bank, I was based on my needs and wants, I will give you advice on what to look for when choosing a bank for cash settlement services.

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. You may need salary project, currency account or .

2 Study 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 vary. Read reviews on the Internet, call hotline bank for further details. For example, not all online banks work on Macs (company products), and not all banks have a mobile version. If you make transfers abroad, you need to find out how much it will cost to maintain an account in foreign currency, as well as the cost of foreign currency transfers. If your line of work requires you to deposit cash, then it is better to choose a bank with a wide range of 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 a lot of other services that can also integrate with your bank, for example, 1C, My Warehouse, Button, Finguru, etc.

4 Location of ATMs. Find out which banks have ATMs 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 you save on commissions, speed up the payment processing time, and partially minimize the questions you receive from the bank’s financial monitoring.

6 Look at payment processing times. For example, in my previous Ermak, payments were processed from 8:00 to 16:00, but 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 checking account maintenance 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 receive special promotional 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 vacancy on HH.ru

Frequently asked questions (FAQ)

Is it necessary to open a current account in a bank and is it possible to operate an individual entrepreneur without a current account?

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

The main problem that you may encounter if you work without a cash account is interaction with other counterparty organizations, although a lot here depends on the type of your activity. If your activity involves working with other organizations, payments with which will be made non-cash, for example, purchasing or shipping any goods 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 can lead to additional expenses on various types of commissions. If you are engaged in retail sales or services and accept cash payments, then you can easily work without a cash account. Where is it more profitable to open an individual entrepreneur current account?

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

Which banks open a current account for free?

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

Reasons for refusal to open an account

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

• Unreliable 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 be included in the list of unreliable clients for delays or non-payment of a loan, including one issued to an individual, for opening too large quantity accounts, as well as for blocking an account in any bank, for example, for non-payment of taxes, alimony, or any fines.
• Problems with documents. This is a small thing compared to an unreliable reputation, because problems with documents are easy to fix, but correcting 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 a copy of it, etc.
• Incorrect information. After filling out the application form and providing a set of documents, the bank’s security service will certainly conduct an inspection. If you provided false information, you may be refused to open a bank account.
• Problems with tax or other government agencies. If you do not pay taxes, insurance premiums, duties and other important payments, this may cause the bank to refuse.
• A victim of statistics, or an attempt to serve the Central Bank of the Russian Federation. This is a rare reason, but nevertheless it does occur. The fact is that due to the massive purge of the banking sector, all banks are trying to strictly follow all recommendations. Every year, each bank reports to the Central Bank, including the percentage of refusals to open a bank account. If the refusal rate is zero, 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 are refused by one bank - go to another; if they refuse there too, the reason is probably not in statistics, but in something else.

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

The law does not limit an entrepreneur in any way in this regard; you can open any number of accounts in any bank and in any region. If you are active, this may even be useful. If suddenly the financial monitoring of the bank considers your transactions questionable and decides to block the account, then while the proceedings are ongoing, another account opened in 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 you will only need to present your passport and Taxpayer Identification Number (TIN). However, the bank, at its discretion, may require any other documents from you, for example, a notarized card with sample signatures, a certificate of registration of an individual entrepreneur, an extract from the Unified State Register of Individual Entrepreneurs, licenses necessary for carrying out 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 control Central Bank Russia, and that, in turn, has laws and regulations. One of them is the Anti-Terrorist Financing and Anti-Money Laundering Law Money. There are entrepreneurs who conduct dishonest business and cash out, both through one-day individual entrepreneurs and through one-day LLCs. Therefore, if your transactions fall under the control of financial monitoring and seem suspicious, your account will be blocked.

Among individual entrepreneurs, conversations constantly turn to business. A very frequently discussed topic where to open a current account for individual entrepreneurs in 2018, which bank, how to choose Best offer. They often come up as the most reliable.

Naturally, every businessman closely monitors his brainchild; there are no unimportant issues for him, let alone everything related to benefits, tariffs, credit conditions with a small percentage, it arouses doubly interest.

In this article, we do not undertake to compile ratings or create nominations “ best bank for individual entrepreneurs" or "most not profitable bank- 2018.” The purpose of the material is to help you navigate the mass of offers coming from financial institutions...

What questions does the article answer:

• What is a good bank for individual entrepreneurs?
• How to choose favorable tariff when opening an account?
• What documents will need to be submitted to the bank to open a current account?

Is it profitable for an individual entrepreneur to open a current account?

Why does an individual entrepreneur need a current account?

and is it possible to do without it? In a number of cases, indeed, a bank account is not justified either by the nature of the business or its scale. If you are engaged, for example, in baking pies for retail sales, it is difficult to imagine a situation in which you will need a current account. But if you are a designer, webmaster or architect, then within the framework of the project you may well receive from the client amounts exceeding 100 thousand rubles. And this is only through a bank account.

Simple enough. You collect the necessary set of documents, arrange a time to meet at the bank, come once to fill out the application and bank card, and after a few days you are notified of the opportunity to use the bank’s services. What documents will you be asked to prepare? There are differences in the requirements of different banks, but the required documents are determined by Art. 5 Federal Law dated 02.12.1990 No. 395-1 and Instruction of the Bank of Russia dated 30.04.2014 No. 153-I.

What documents does the bank require to provide:

• Tax registration certificate.
• Printout from the Rosstat website about statistics codes.
• The entrepreneur's passport.
• Documents confirming the authority of trusted employees to conduct transactions with funds.
• Licenses or patents, if required for your type of activity.

You must check the complete package of all documents with the bank by calling them first: one will answer that the documents listed above are sufficient, and the other will ask for a copy tax return or certificate of absence of debts. Large organizations They usually post this information on their websites.

Which bank is better to open a current account for individual entrepreneurs in 2018?

Now a few words about What is an “individual entrepreneur-friendly” bank?. This is a bank that is able to offer the client a package of services that best suits the scale and characteristics of his business. It is important for an individual entrepreneur to understand that he uses only those services that he really needs, and at the same time does not overpay for “magic opportunities” that are of little use to him personally.

Helping your client calculate the tariff and choose the package that suits him best, and becoming a smart advisor - this is the responsibility of a really good bank. Imposing unnecessary or little-used options, in turn, does not characterize a financial institution from the best side. Many banks (especially in Moscow) have already understood and accepted this postulate, therefore they offer a flexible approach and a large selection of options, including free ones for individual entrepreneurs.

Here are a few simple steps that will help you choose “the right bank” that best suits the requirements of your business:

Below we provide a comparative table of offers from several large banks for start-up entrepreneurs. Carefully analyze it from the point of view of your needs, because you will also have to decide in which bank it is better to open a current account for individual entrepreneurs in 2018. The stakes when choosing a bank are quite high: you can either enjoy the cooperation in the future or regret the wrong decision.

Let's compare bank offers:

	Alfa Bank, Startup package	Dot, Lowcost package	Sberbank, Minimum package	Modulbank, Starter package	VTB-24, package Business Start
Opening an account	for free	for free	for free	for free	2500
Certification of sample cards signatures and seal	first card for free, subsequent 590	no data	500 for signature	no data	200 for signature
Monthly service cost	1090	1250	1400	for free	1200
Discounts on monthly service	5450 (6 months), 9810 (1 year)	No	No	No	No
Payments in rubles to accounts legal entities and individual entrepreneurs	5 payments for free, subsequent 250 per transfer	5 payments for free, subsequent 50 per transfer	5 payments for free, subsequent 200 per payment	bank clients for free, other clients 90 per payment	5 payments for free, subsequent 39 per payment
Payments in rubles to individual accounts	up to 50,000 per month for free, further 0.5-1%	up to 100,000 per month for free, further 0.5%	1%	up to 300,000 per month 90 per payment, over 300000 per month from 1 to 3%	from 0.6 to 3%
Intrabank payment from account Individual entrepreneur on the individual’s own account	up to 150,000 per month for free, further 0.5%	up to 100,000 per month for free, further 0.5%	1,4%	no data	6 rub.
Cash	up to 30000 for free, more than 30,000 0.28%	for free	up to 50000 for free	for free	up to 50000 for free, further 0.39%
Cash withdrawal	from 0.6% (on wages), up to 5.5% (for large amounts for other purposes)	through ATMs: up to 100,000 free, then 0.5%	Excluded	via ATMs from 1 to 20% depending from the sum	1% at bank ATMs
Internet banking connection	990 one time	for free, token cost for entry 2000 for 1 piece.	for free	1 user for free	550
SMS notifications about account transactions	from 0 to 200	200 per month	no data	for free	no data
SMS notifications about card transactions	59	no data	for free	for free	no data
Card issue	the first one is free, subsequent 199	free in any quantity	for free	for free	1200
Monthly card maintenance	299	no data	2500	for free	for free
Withdrawing cash from a card	from 2.2% (for amounts up to 1 million rub. per month), up to 10% (with the amount from 10 million rubles per month)	no data	1.4% via cash register or Sberbank ATMs	no more than 100,000 per day	1% at bank ATMs

▼ Current offers banks
in our bank tariff calculator: ▼

Move the “sliders”, expand and select “Additional conditions” so that the Calculator selects for you optimal offer for opening a current account. Leave a request and the bank manager will call you back: he will advise you on the tariff and reserve a current account. Tariffs are constantly updated.

You can continue the table below by analyzing the offers of other banks available in your area. Please note that when choosing where it is more profitable to open an account, attention should also be paid to partnership programs and bank shares.

If the data in the table is out of date, make the calculation in bank calculator — information on tariffs is constantly updated. Move the “sliders”, expand and select “Additional conditions” so that the Calculator will select for you the optimal offer for opening a current account. Leave a request and the bank manager will call you back.

For example, just recently Alfa-Bank launched similar program with the company 1C-Start, the developer of a popular online service for preparing documents for registering individual entrepreneurs and LLCs. By becoming a user of the regberry.ru website (for example, by completing documents using their service), you will receive a favorable offer from the bank:

• Free opening of a current account;
• Free Internet banking connection;
• Free service for the first 3 months.

The total savings on these services alone is more than 6,000 rubles. We have already described the experience of opening an account with this offer in the article. To participate in the promotion, leave a request on the website or through the 1C-Start service.

Of course, ultimately, which bank to open a current account for an individual entrepreneur is chosen by the individual entrepreneur himself, and in this article we tried to provide you useful information"for reflection." And in conclusion, let us recall the words of the brilliant marketer and philosopher Philip Kotler: “Give the client a choice, and he will leave all his money with you.” Choose the bank that gives you a choice!

If you have questions about the topic of the article, leave them in the comments: we will promptly answer each one! Subscribe to our newsletter to always keep abreast of news from the world of business and individual entrepreneurs:

Hello, dear readers of the business blog site. Modern entrepreneurship is closely tied to 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 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 the discovery and profitable offer on 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 2019: 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- long queues.

No. 2: VTB

The share of state ownership is over 60%, it is the second giant after its previous competitor. VTB offers more low interest for deposits and withdrawals, but at the same time you have to pay for connecting to the Internet bank.

• 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

Young private bank, offers excellent online service to its holders. 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 business. 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 entirely 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 is a modern solution on 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 Tinkoff Bank A.

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.

Sberbank, VTB	Reliable. Convenient cash withdrawal.
FC Otkritie, Tochka	up to 5 months as a gift + flexible tariffs. But it's hard to cash out. Accumulation of up to 8% on the balance.
Alfa Bank	Priority for a wide range of partners + discounts for the purchase of a cash register and terminal.
Avangard, Raiffeisen	Lots of positive reviews, attractive conditions. But no interesting offers and discounts.
Tinkoff	Lots of ideas, promotion on an advertising account, no turnover - no payment. But many complain about large commissions + unexpected terms of transactions.
Renaissance	Poor service, old technology. But there is a free plan.
Binbank	0R per RS ​​when purchasing a cash register, quite a popular choice in cities.

If you want to save money - Tinkoff, Tochka, Otkritie. But be careful, low interest rates - additional conditions agreement.

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.

IN negative reviews a general trend can be found. 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.

For a beginner individual entrepreneur It is necessary to open a bank account for storage and circulation of funds. But, as practice shows, the problem is to choose the best bank that will meet the requirements of novice entrepreneurs in all respects. In fact, the task is quite difficult, because each proposal has its own characteristics and nuances, as well as advantages and disadvantages. In order not to make a mistake with the choice, we present a rating of banks for business, namely those financial institutions that, at the initial stage, will be the most economically profitable and convenient for individual entrepreneurs to use.

Selection criteria

It’s worth starting the review with the fact that first of all, budding entrepreneurs should pay attention to some service features, namely:

1. Reliability: first of all, it is worth choosing reliable bank, who will not lose his license with a 99.9% probability, in order to avoid difficulties in the future with returning his own savings.
2. Service tariffs: It is worth noting here that novice businessmen must effectively distribute their assets without spending large sums on maintaining a current account.
3. High level remote maintenance: To make financial transactions, transfer funds and track your account balance using online banking.

These are the most important selection criteria, and it is worth noting that banks offer not only a browser-based version of online banking, but also mobile app, which will be extremely useful for an entrepreneur. Now let's turn to the rating of Russian banks, there are a number credit institutions, which are in particular demand among individuals and individual entrepreneurs, such banks include Sberbank, Alfa-Bank, Tinkoff Bank and Avangard. This information is relevant today. In addition, there are other banks that are in particular demand - these are Rosselkhozbank, VTB 24, VTB Bank of Moscow. But it is worth noting that the leaders financial market are not always ready to offer the most favorable terms of cooperation.

Please note that the information provided in the rating is current for 2018.

Top 10 banks for individual entrepreneurs

First of all, we note that on the Internet you can find several ratings compiled both by representatives of small businesses themselves and by professional agencies. Therefore, first of all, of course, it is worth relying on research conducted by experts. But in this article we will present only 10 banks that combine all the parameters necessary for an entrepreneur - reliability, minimum cost and convenient Internet banking.

UBRD tariff “Online”

The last place in the top ten banks is occupied by UBRD Bank, which offers its users an “Online” tariff; the cost of service per month is only 850 rubles; there is no fee for opening an account. The cost of a payment order is 26 rubles, the cost of SMS notifications is 75 rubles per month, remote servicing using the online service is supported both in the browser version and in the mobile version. Login to the online bank is carried out via a USB key.

So, let’s return to the parameters and come to a definite conclusion that the monthly service fee is quite low, only 850 rubles, the reliability of the bank is beyond doubt insofar as it ranks 29th in the ranking of Russian banks. In addition, it provides services remotely, however, the “Online” tariff speaks for itself; this offer will be beneficial primarily to those who prefer to control their account through Internet banking.

Raiffeisen Bank tariff "Start"

Ninth place in the ranking of the best banks for small businesses is Raiffeisen Bank with the “Start” service package. Here the cost of service is 990 rubles, payment order costs 25 rubles, SMS notifications cost 190 rubles monthly. Internet banking works in browser and mobile versions, login is via a USB key. The advantage is that you can open a current account in one visit to a bank branch, and then you can control your accounts using online banking. Raiffeisenbank occupies 14th position in the ranking according to financial indicators.

Intesa service package “Basic”

Eighth place - Intesa Bank. E monthly account maintenance - 1200 rubles, cost of payment order 20 rubles, Internet banking works in browser and mobile versions, login is via a USB key. Despite the fact that the cost of annual service is not the lowest, its advantage is that the mobile version of Internet banking is functional and convenient. Intesa ranks ninth in the 80 ranking.

AKB Avangard tariff “Basic”

In seventh place is AKB Avangard. Here the service fee is 900 rubles monthly, opening a current account is paid - 1 thousand rubles, the cost of a payment order is 30 rubles, SMS notifications are free. Internet banking works in browser and mobile versions, login is via a USB key. Despite the fact that the cost of annual service is not the lowest, the advantage here is that by becoming a client of the bank, he offers additional service, including preferential lending. Position in the ranking by financial indicators – 51.

Alfa Bank - “At the start”

Sixth position on this year occupied by Alfa-Bank, an account can be opened for free, 490 rubles are charged for maintenance. As for payment orders, for the first 5 you will have to pay 45 rubles, from 6 for the next 150 rubles, there is no charge for SMS information, only businessmen from Moscow and St. Petersburg are forced to pay it at a rate of 59 rubles. To connect to Internet banking you will have to pay a one-time payment of 990 rubles. Login to online banking is carried out using a login and password, as well as a one-time SMS code. To receive cash you will have to pay from 2.2 to 11%. Entrepreneurs can also obtain corporate plastic for 299 rubles.

Indeed, the tariffs at Alfa Bank are not the lowest, but the bank is quite progressive, therefore it offers a wide range of services for its clients, in particular, it provides advertising and promotion on Yandex.Direct, provides legal advice completely free of charge, and certificates for recruiting personnel on the Internet. resource HeadHunter, as well as six months of Bitrix24. In addition, it ranks seventh in the ranking in terms of financial indicators.

Sberbank service package “Easy Start”

In 5th position is the largest and most reliable bank in our country, which offers free monthly services and free account opening. Payment orders are carried out free of charge, but only three, for the rest you will have to pay 100 rubles. There is no charge for SMS notifications. Internet banking works in browser and mobile versions, login is via a USB key. The bank ranks first in the ranking in terms of financial indicators, however, its stability and reliability are never in doubt among potential clients.

Promsvyazbank "Business without extra commissions"

The fourth position is occupied by Promsvyazbank, which does not charge fees for maintaining and opening an account, as well as for payment orders. Among other things, it provides SMS notification service free of charge. There are mobile and browser versions of Internet banking, which can be accessed using a USB key. Promsvyazbank has been among the top ten for several years banking organizations in Russia and ranks tenth in terms of financial indicators.

Modulbank service package “Start”

This is an excellent offer for beginning businessmen, which is why the bank ranks third in the ranking with the “Start” tariff. Within its framework, there is no cost for opening and servicing an account, payment orders cost 90 rubles. Internet banking works in mobile and browser versions. You can log into your personal account only using your login and password, as well as a one-time code from an SMS message. As for stability and reliability, Modulbank ranks only 204th place, but it is worth noting that its indicators are growing steadily.

Tinkoff Bank tariff “Simple”

It is no wonder that Tinkoff Bank is popular among small businesses; it ranks second in the ranking of the best banks for entrepreneurs. For the first two months there is no service fee, then 490 rubles, payment orders: 3 - free, subsequent ones for 49 rubles. The main feature of the bank is the best Internet banking with wide functionality and a clear interface; login is carried out via login, password and one-time code from SMS messages. Tinkoff ranks 33rd in the ranking in terms of financial indicators.

Tochka bank tariff "Lowcost"

Within this tariff, the cost of annual service is 750 rubles, there is no fee for opening an account, the cost of a payment order is: the first 5 are free, the next are 50 rubles. Internet banking works in a mobile browser version, login is carried out using a login and password, as well as a one-time SMS code. As part of this tariff, the bank offers a salary project on a Rocketbank card.

Please note that Tochka Bank is part of the Otkritie financial group, which means it ranks eighth in terms of financial indicators.

Based on the results of the presented rating, the best bank for small businesses is Tochka. Although in fairness it should be noted that all 10 presented financial institutions deserve the attention of a potential client. Therefore, before making the final choice, it is wiser to personally consult with specialists from each bank in order to come to a certain conclusion, because the quality of service and other privileges available to banking clients are of great importance.

The best bank for entrepreneurs according to Markswebb

Analytical agency Markswebb conducted a study of commercial banks for entrepreneurs? in order to find out which commercial bank is most profitable to open a current account for individual entrepreneurs. The study was conducted in May 2017, following which the following results were presented on June 1: the best, according to the analytical agency, for entrepreneurs were Tinkoff Bank, Modulbank and Tochka Bank. They offer the lowest cost of monthly service - 490 rubles per month. In addition, they do not charge fees for transferring funds to individuals in the amount of up to 150,000 rubles.

Among other things, there are a number of banks that are extremely unprofitable for entrepreneurs; here are a few examples:

• Rosselkhozbank - 32,800 rubles;
• Ak Bars – 30,140 rubles;
• ATB – 29890 rubles;
• VTB – 26,700 rubles;
• Binbank - 26,300 rubles.

Please note that the cost of service is given for one calendar year.

So, based on the results of several studies, the most profitable bank for small businesses is Tinkoff, Tochka Modulbank. Despite the fact that they are not market leaders financial services, they are the ones who are ready to offer the cheapest service for beginning entrepreneurs, plus Additional services necessary at the initial stage. It should also be taken into account that, as additions to individual entrepreneurs, banks offer preferential lending, overdraft, corporate cards and other.

On Russian market There are hundreds of large and small credit institutions, whose services an individual entrepreneur inevitably has to turn to. To learn how to choose the best bank for individual entrepreneurs in 2019 and not get confused by the variety of tariffs for small businesses, read the article

The best banks for opening an individual entrepreneur account: selection criteria

When choosing which bank to open an individual entrepreneur account in, focus on the following characteristics:

• reliability;
• convenient remote maintenance;
• low tariffs;
• presence of a network of branches;
• speed of transactions.

Always check for registration in the directory of the Central Bank of the Russian Federation, in the deposit insurance system, and credit rating. Important criteria include the possibility of remote servicing, including online banking and electronic payments.

For budding entrepreneurs, banks are more suitable, where you can choose a list of the most relevant services and gradually expand it as your business develops.

A bank that is profitable for an individual entrepreneur must meet all of the above parameters. If you want to simplify the reporting process, choose financial institutions that provide integration with services, for example, with Kontur.Elba, My Business and similar ones. This opportunity is available in Tinkoff, Alfa-Bank, Modulbank, and also in Tochka. When concluding an agreement with one of them, be prepared to provide a complete list of necessary documents.

Banks for individual entrepreneurs: comparison of services and tariffs

When deciding which bank to choose to open an account for an individual entrepreneur, study the offers of financial organizations in your region. In big cities the list. naturally it will be longer, but large banks available all over Russia. Focus on significant parameters.

Here are the ten most profitable banks for opening a current account for an individual entrepreneur. The choice was made taking into account the following parameters:

1. Opening a current account

When contacting financial institutions, check the availability of shares and special offers. Many banks offer to open an individual entrepreneur account in Russia for free. This is provided in Alfa Bank, UBRD, Tinkoff, Tochka, Modulbank. At Sberbank, VTB24, the cost of the service depends on the region.

2. Monthly maintenance

At Tinkoff and Alfa Bank you do not need to pay for monthly maintenance if there are no account transactions. Modulbank offers a Starting tariff with free service. But customers are in for an unpleasant surprise - paid cash withdrawal. For the service you will pay from 0.75% to 1.5%. If you choose the Optimal tariff, then withdrawing funds to your account individual will cost only 19 rubles.

Important! The most expensive monthly service is in Gazprombank, Rosselkhozbank, Tochka, Sberbank. If you decide to open a bank account for individual entrepreneurs in these organizations, be prepared for unreasonable material costs, which are noticeable with small incomes.

3. Connection to Internet banking

Gazprombank and Rosselkhozbank offer paid connection to Internet banking and issuance of tokens. This is inconvenient and unprofitable for individual entrepreneurs who are just starting out and do not have much profit. Paid Internet banking is provided by Alfa Bank and VTB24, but the cost of connecting it is lower - 990 and 250 rubles, respectively. In others financial institutions Internet banking connection is free.

4. Interbank transfers to legal entities

In almost all banks, the first 3-5 transactions are commission-free. Therefore, when choosing a financial organization, calculate how many transfers per month you will make, and only then make a choice.

5. Budget and tax transfers

Transfers to budget and tax organizations free in almost all banks. The exception is Rosselkhoz and Raiffeisen. Their clients will have to pay 30-35 rubles for one transfer.

6. Interbank and intrabank transfers to individuals

Most banks charge a hefty commission for withdrawing or transferring funds. How much you will have to pay for transferring funds to an individual’s account or card depends on the amount. The cost of intrabank transfers varies:

• at Tinkoff Bank you can transfer up to 150 thousand for free;
• at Tochka - from 5 to 500 payments without commission;
• in Modulbank you have to spend up to 90 rubles per transaction;
• in other banks the commission is about 1% or higher.

7. Possibility of accounting services

Some banks specializing in working with small businesses are ready not only to provide an account, but to take over the accounting of individual entrepreneurs. On the one hand, it's convenient. On the other hand, it is necessary to carefully study the conditions. If your turnover is small and you are using one of the preferential tax regimes, it will probably be more practical to contact a specialized

The best bank for individual entrepreneurs: where is it more profitable to open an account

*According to open data from banks

Please note that issuing money at the box office is not profitable. If you are choosing the best banks for individual entrepreneurs to withdraw cash, you can try working with Tochka Bank. Financial institution offers free cash withdrawal of amounts up to 100 thousand rubles, then 50 rubles per withdrawal.

What else to pay attention to when opening an account for an individual entrepreneur in Russia

• find out the percentage charged on the balance own funds, the cost of closing an account and statements on it, the ability to receive loans.
• carefully study the terms of the contract. If the bank can change them unilaterally, this is not always beneficial for the individual entrepreneur, since a sharply increased amount for services or operations leads to losses.
• read reviews about the financial institution. Banks often hide some service features that emerge after the conclusion of an agreement.

Periodically review the ratings of banks for opening an individual entrepreneur’s current account, study the conditions, since after a year you can find better offers in other financial organizations. Enter into an agreement with the bank where you can change the tariff from minimum commission, because small businesses will grow and develop.

Three months of accounting, personnel records and legal support FOR FREE. Hurry up, offer is limited.