Open a current account for individual entrepreneurs. Bank tariffs for cash settlement services for individual entrepreneurs and LLCs

January 14, 2019 Individual entrepreneur taxes

There are dozens of financial organizations on the market offering settlement services to individual entrepreneurs, but not every service will be truly profitable and convenient. So that you can choose best bank for small businesses, we analyzed the market and selected 9 optimal offers. These are organizations with competitive rates that are maximally focused on business needs.

Main criteria when choosing a servicing bank

By law, an entrepreneur is not obliged to conduct business, but a modern business cannot exist safely without banking support. Connecting to RKO significantly expands the list of possible partners. will be able to connect to acquiring - accept payments from cards, make financial operations remotely, participate in tenders and much more. In addition, in the absence of an account, non-cash transactions in amount cannot exceed established by law 100,000 rubles.

When choosing where to open a current account for an individual entrepreneur, it is important to pay attention to the following points:

1. If you are a budding entrepreneur, look for a bank that offers starting tariff plan. This is a minimum package of services, often servicing it costs 0 rubles.
2. The bank must have a wide network of branches and ATMs so that you can go to the office or use an ATM to replenish or cash out your account at any time. In addition, you can consider banks that serve clients remotely.
3. The service organization must offer a multifunctional Internet bank created specifically for small business clients. As a result, the entrepreneur will be able to conduct operations remotely, from anywhere.
4. Variety of tariff plans. A business may expand, its needs may change, and you should be able to switch to a different tariff. To open a current account, it is advisable to choose a bank that offers at least 3 tariff options: starting, medium and for high turnover.
5. Price of service and operations performed. It is clear that the service should not only be profitable, but also convenient. Therefore, first determine the needs of your business, and then look for a bank that will satisfy them at the lowest price.
6. Offer additional products. It’s good if the selected bank conducts comprehensive service entrepreneurs, that is, it is not limited to RKO only. The client may need to participate in a salary project, connect to acquiring, credit and deposit products - it is better to receive all these services from the servicing bank: it is both profitable and convenient.
7. The bank must issue cards for businesses. These are debit payment instruments linked to the individual entrepreneur's current account. As a result, the client will be able to use the ATM to withdraw funds and replenish the account. These cards can be used for standard transactions in stores and on the Internet, and they can be used to pay abroad.
8. The bank shouldn't have any problems. It participates in the deposit insurance system, global and national rating agencies assigned to him good rating, they call it stable.

Below are banks for individual entrepreneurs that meet all these parameters. Maintaining an account in each of them will be profitable and convenient.

The best banks for cash settlement services

This is a rating of banks for individual entrepreneurs; it includes organizations offering the best products for small businesses. Their services are in demand; most individual entrepreneurs in the country are served by them. The rating includes both conventional banks with stationary offices and innovative ones that offer clients completely remote services.

Sberbank

Since most entrepreneurs primarily consider Sberbank, we will initially analyze its programs. The bank is truly ready to offer individual entrepreneurs high-quality, convenient and profitable services. 5 tariff plans have been developed for entrepreneurs.

Features of service at Sberbank:

• online booking service for account details in 5 minutes;
• To open a current account it is not necessary to go to the office; Sberbank provides the service of connecting to cash settlement services, including remotely;
• If an individual entrepreneur was registered more than six months ago, Sberbank does not charge a service fee for the first 2 months. The exception is the TP “Great Opportunities;
• bonuses from partners: Yandex, Vk, hh, myTarget;
• a business debit card is paid, its maintenance per year is 2,500 rubles;
• additional services: maintaining salary projects, insurance, loans, deposits, accounting, bank guarantees, acquiring, leasing, factoring, foreign trade activities, collection.

Sberbank tariffs

Alfa Bank

This bank is also often considered by entrepreneurs to connect to cash settlement services. When choosing where to open a current account for an individual entrepreneur, be sure to study its offers. Important advantage Alfa Bank has a modern approach to work, innovative technologies, its Internet banking for business is recognized as the best in Russia.

Features of service at Alfa Bank:

• if you pay a service fee for a year at once, 3 months of using the services will be free;
• the maximum favorable tariff plan “1%” for beginning entrepreneurs, the client pays only 1% for funds received into the account;
• the best online bank for business with the ability to conduct online accounting and integration with online accounting services;
• possibility of release virtual card for business with free service;
• free issue and maintenance of a business card only at the “1%” tariff; for all others, issue will cost 199 rubles, monthly maintenance – 299 rubles;
• Most tariffs include free cash withdrawal and account replenishment;
• additional services: loans, deposits, acquiring, management of salary projects, foreign trade activities, bank guarantees, service for issuing loans from private investors, cash desks.

Alfa Bank tariffs

VTB

Another large, stable and reliable bank to serve entrepreneurs. VTB is a more conservative organization that offers classic services to small businesses.

Features of service at VTB:

• on all tariff plans, payments to the budget are made free of charge;
• there is a service - free assistance in registering a business;
• the SMS notification service is activated and provided free of charge;
• you can make a payment outside of business hours;
• additional services and services for business: lending, deposits, acquiring, salary projects, bank guarantees, foreign trade activities.

VTB tariffs

Promsvyazbank

The bank works with any form and scale of business, and has developed a special starting tariff for beginning entrepreneurs. Promsvyazbank clients receive everything they need Financial services In one place.

Features of servicing individual entrepreneurs at Promsvyazbank:

• Under the “Business Light” and “24/7” tariffs, the first three months are free of service fees. Another three months can be free if the client pays for the service for a year at once;
• a wide range of business cards, including Customs cards;
• 24/7 payments within Promsvyazbank.

Promsvyazbank tariffs

Opening

Another big one financial structure, actively working with business. The bank's offer for entrepreneurs includes 5 tariff plans and a full range of all possible financial products and business services. You can open an account both in rubles and in foreign currency.

Features of service at Otkritie Bank:

• if you compare where it is more profitable to open an account for a new individual entrepreneur, you should consider the “First Step” tariff; the client incurs virtually no costs;
• free translations individuals at any tariff;
• issuing a business card is free, the fee for its maintenance is charged only from the 7th month - 149 rubles;
• reservation of details bank account online in 2 minutes;
• additional services: loans (including state support), bank guarantees, deposits, acquiring, salary accounts, bank guarantees, currency transactions, foreign trade activities, educational platform, etc.

Otkritie Bank tariffs

UBRD

The bank adheres to modern trends, develops convenient service packages and online services. In addition to standard financial services, clients are offered a large list of additional ones. The UBRD tariff plan “Everything is simple” ranks first in terms of profitability among tariffs for small individual entrepreneurs. Internet Bank Light is recognized best service for small businesses in 2018 - the rating was compiled by the Markswebb agency.

Features of servicing individual entrepreneurs at UBRD:

• there is a connection fee for the “Test Drive” and “Premium” TPs, but three months of using the bank’s services will be free, and for subsequent months a low fee will be charged;
• provision of bonuses from UBRD partners: 1C, Promo Expert, hh, My Warehouse, etc.;
• range of standard additional services: acquiring, loans, deposits;
• additional services for business: consulting, remote business registration, provision of accounting and legal services, insurance, electronic document management, business meetings, etc.

UBRD tariffs

Tinkoff

Let's consider and best banks countries operating entirely remotely. Many entrepreneurs pay attention to Tinkoff Bank. It has been working in the market for a long time and, despite its remote activities, is one of the ten best banks in Russia in many industries financial activities. Clients are offered a high-quality, long-developed and “tested” algorithm for remote collaboration using numerous services.

Features of service at Tinkoff:

• accrual on account balance 4-6% per annum;
• for the first two months there is no fee for servicing the “Simple” and “Advanced” tariff plans;
• for the “Simple” TP, no monthly fee is charged if the total monthly spending on the client’s corporate cards exceeds 50,000 rubles;
• for the “Advanced” TP there is no monthly fee if the total monthly spending on corporate cards exceeds 200,000 rubles;
• IP service is only remote, there are no offices;
• gifts from partners: Yandex, Google, Vk, myTarget;
• provision of a personal manager;
• instant account booking and remote opening;
• additional services: acquiring, online accounting, foreign trade activities, salary projects, bank guarantees, credit services, customer lending, call center, website builder, etc.

Tinkoff tariffs

ModulBank

We can say that this is the best bank for opening an account for individual entrepreneurs, operating entirely via the Internet. He cooperates only with companies and entrepreneurs, all attention is paid to them. Despite remote service, clients receive all necessary financial services and settlement services.

Features of service in ModulBank:

• Online service only, no offices;
• According to the “Optimal” tariff, there is no service fee if the individual entrepreneur immediately pays 9,900 rubles. When paying for services for 6 months, a 15% discount is provided, for a year - 20%;
• According to the “Unlimited” tariff, there is no service fee if the client immediately pays 99,000 rubles. When paying for services for six months - a 15% discount, for a year - 20%;
• accrual of up to 3-7% per annum on the client’s balance (except for the starting tariff);
• book an account online in 5 minutes;
• additional services: loans, deposit products, salary projects, acquiring, accounting services, foreign trade activities, cash desks.

Tariffs of ModulBank

Dot

Created on the basis of Otkritie Bank. It is a bank only for business representatives. Account registration at Tochka and its maintenance are always remote. Tochka applies a modern approach to work; this organization’s Internet bank is recognized as one of the most effective on the market.

Features of service at Tochka:

• on the “All the best at once” TP, the first 3 months of using the services cost 500 rubles;
• remote service only;
• online banking integrates with any online accounting services;
• additional services: accounting services, acquiring, foreign trade activities, servicing payroll projects;
• discounts from numerous partners.

Tariffs Points

Conclusion

To compare where it is more profitable to open a current account for an individual entrepreneur, you can use the following table, which shows the main conditions of the presented banks:

These are the best banks for individual entrepreneurs for profitable opening of a current account. In each of them you can get high-quality and safe service, each has additional services and services for business. All listed organizations accept applications to connect to RKO online. For individual entrepreneurs, a minimum package of documentation is provided for opening an account.

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

Where to open a current account - comparison of tariffs

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

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

Now let's look at the advantages of cash settlement services in each bank in more detail.

Tinkoff Bank

Tinkoff received a credit rating of A from the ACRA agency and has repeatedly confirmed it. The operating day lasts from 01:00 to 20:00 (Moscow time). For external payment you need to pay from 19 to 49 rubles. depending on the connected service package. At the same time, for the “Simple” and “Advanced” tariff plans, the subscription fee already includes 3 and 10 free payments, respectively.

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

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

Mobile and online banking at Tinkoff have repeatedly received high marks for efficiency. And any questions can be resolved with a personal manager via chat.

Dot

Tochka is a project of FC Otkritie Bank. The “Golden Mean” tariff plan provides 10 free payments to other banks, and on the “All the best at once” tariff there will already be 100 of them. If this number is not enough, then for each subsequent transfer you need to pay 60 or 15 rubles, respectively. On the “Required Minimum” TP all translations, including physical ones. persons - free. External payments take place from 00:00 to 20:00 (Moscow time), and intrabank payments operate around the clock.

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

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

Modulbank

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

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

Sovcombank

Sovcombank is a large bank with a wide network of branches and good performance reliability. According to ACRA, it has been assigned an A rating. External payment processing costs from 15 to 50 rubles.

Cash withdrawal for salary is possible with a commission of 0.5%. When receiving cash for household expenses. needs and other purposes, the tariff will range from 1.1 to 15%.

BCS Bank (Sphere)

BCS Bank has placed great emphasis on servicing legal entities and individual entrepreneurs. And he opened a separate service called Sphere with very competitive rates. There is a free tariff, payment cards starting from 25 rubles, convenient Internet banking and a mobile application, filing reports with the tax office, etc. The sector will provide good competition to market leaders Tinkoff, Tochka and Modulbank.

Loko-Bank

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

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

To manage your account, you have access to a convenient online banking system. Free funds can be placed on deposits, and if there is a shortage own money Loko-Bank will issue a loan together with the SME Corporation.

Promsvyazbank

Currently, 100% of the shares of PSB belong to the DIA, and in the future it is planned to create a support bank on its basis to service the State Defense Order.

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

Withdrawing cash from an individual entrepreneur's account will cost at least 1.4%. Legal funds from the account are issued to individuals at 0.5%.

Alfa Bank

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

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

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

Sberbank

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

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

Sberbank will not only open an account for a business, but will also offer many support services (online cash registers, accounting, guarantees, etc.). Account management is carried out through Sberbank Business Online, which integrates with any accounting programs.

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

UBRD

UBRD is a large TOP-50 bank. The cost of the payment, depending on the tariff, will be 25 or 79 rubles. In addition, the “Economy” tariff plan includes 10 payments. On the current banking day, only external transfers sent before 18:00 are processed. IP without charging additional fees. commission can transfer up to 300 thousand rubles to a personal account. per calendar month. Removal Money from the account will cost at least 1.1% of the amount.

Opening

External payments in the bank are carried out from 00:00 to 20:00 (Moscow time). For each of them you will have to pay 25 - 100 rubles. The packages include from 3 and 15 free payments, and there is no fee for transfers on the “Open Opportunities” TP.

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

SKB-bank (DeloBank)

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

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

Eastern Bank

KB Vostochny is registered in the Amur region, but actively works with clients throughout Russia and is one of the leading banks Far East. The basic cost of an external payment is 35 rubles. Many packages include free payment cards: 5 pcs. — in the “Your Start” tariff, 15 pcs. — “Your Online”, 30 pcs. — “Your success”, 60 pcs. - “Your scale” and unlimited quantity - in the “Your Unlimited” TP.

Cash withdrawals will cost a minimum of 1.2% of the amount received. You can withdraw from 10 to 500 thousand rubles without interest. depending on the chosen tariff. There are no fees for using Internet banking, and when opening an account, Vostochny automatically approves an overdraft.

Vesta Bank

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

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

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

Raiffeisenbank

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

The commission at Raiffeisenbank for issuing cash for salaries will be 0.5% of the amount, and for all other purposes - at least 1.6%. Regarding physical individuals can transfer up to 30 - 700 thousand rubles for free. depending on the tariff.

Where is the best place to open an individual entrepreneur current account?

Here is a list of optimal banks for opening an individual entrepreneur account:

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

Where is it more profitable to open an LLC current account?

List of the best banks for opening an organization account:

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

Banks opening a current account for free

It takes literally 1 hour to open an account in many banks. Thanks to modern technologies, this procedure is quick, and entrepreneurs do not need to visit bank branches. You can reserve an account via the Internet; the contract and other documents will be delivered by courier.

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

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

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

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

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

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

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

List of documents for opening an LLC account:

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

Is it necessary to open a current account?

The law does not oblige individual entrepreneurs to open a current account, but LLCs need one. But doing business with it is much more convenient.

We must not forget about the limitation on the maximum transaction amount in cash of 100,000 rubles. Not all companies are ready to renegotiate contracts in order not to violate this norm, and most large suppliers completely refuse to accept payment for goods (services) in cash.

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

Until May 2014, when opening an account for individual entrepreneurs and legal entities. persons were required to submit to the Federal Tax Service and insurance funds relevant notice. But now this responsibility has shifted to the banks. In fact, when opening an account, it is enough to submit an online application to the bank and prepare documents. All other work will be handled by bank employees.

We were glad to help you! If you have any questions, please ask in the comments.

• Opening an account: free;
• Replenishment: from 0.1%;
• Online accounting: 0 rub.;
• Salary project: from 0 rub.

An excellent option for those who are just starting to learn the basics of entrepreneurship. No fees for opening an account or maintaining online accounting. The first year of service is 0 rubles. Currency control is only 1% of the transfer amount.

• Opening an account: free;
• Cash deposit: 0%;
• Salary project: 0 rub.

Favorable conditions for big business- up to 300 free payments per month, online accounting, replenishment of a current account without commission.

• Opening an account: free;
• Replenishment: from 299 rub.;
• Online accounting: 0 rub.;
• Salary project: from 0 rub.

24/7 online service with a clear RKO interface. You will be able to transfer from your current account to Tinkoff map up to 1 million rubles without commission. Withdrawing funds up to 150 thousand is also free.

• Opening an account: free;
• Cash deposit: from 0.5%;
• Online accounting: 0 rub.;
• Salary project: from 0 rub.

This bank is more suitable for beginner individual entrepreneurs whose account turnover is minimal. RKO is carried out with a minimum commission, it is also available free refill balance up to 75,000 rubles.

• Opening an account: free;
• Cash deposit: from 0.15%;
• Online accounting: 0 rub.;
• Salary project: from 2,500 rubles;

The most reliable bank in the country offers entrepreneurs many profitable options and bonuses. For example, replenishing an account without commission up to 500 thousand, transfers to individuals in amounts up to 300,000 rubles. Sberbank's tariff line also includes free services.

• Opening an account: free;
• Replenishment: from 0.2%;
• Online accounting: from RUB 2,500;
• Salary project: from 0 rub.

Entrepreneurs can receive cashback from amounts that go towards paying taxes. The cost of an annual cash settlement is low, which allows both beginners and successful businessmen to use the bank’s functionality. Another plus - profitable merchant acquiring, only 1.3%.

• Opening an account: free;
• Replenishment: from 0.16%;
• Online accounting: 0 rub.;
• Salary project: up to 399 rubles.

The financial institution offers its clients a wide selection of tariff plans for individual entrepreneurs. Other advantages of cash settlement services include the low cost of payment orders and free transfers to individuals in amounts up to 500 thousand.

Vostochny Bank - flexible choice of tariff plan options

• Opening an account: free;
• Cash deposit: from 0.15%;
• Online accounting: from 0 rub.;
• Salary project: from 0 rub.

The bank has a large, developed network of offices, which allows you to open a current account in any region of the country. Despite the high cost annual maintenance, individual entrepreneurs can individually activate the TP functionality by disabling unnecessary services.

• Opening an account: free;
• Cash deposit: from 0.05%;
• Online accounting: 0 rub.;

Each package of services gives you the opportunity to get a discount on cash settlements of up to 50%. Price exchange control only 900 rubles per month. In addition, you can track your account movements online 24 hours a day.

• Opening an account: from 0 rub.;
• Cash deposit: from 0%;
• Online accounting: 0 rub.;
• Salary project: from 0 rub.

Individual entrepreneurs can take advantage of benefits when opening a current account and not pay for the first 2 months of maintenance. Business support service operates 24 hours a day online.

• Opening an account: free;
• Cash deposit: from 0.05%;
• Online accounting: 0 rub.;
• Salary project: from 1,000 rub.

The Bank has developed several benefit programs lending and deposits for individual entrepreneurs. You will be able to invest your money profitably and receive income on the balance of up to 6%.

• Opening an account: free;
• Cash deposit: from 0%;
• Online accounting: 0 rub.;
• Salary project: 0 rub.

Tariff plans for dynamically developing businesses allow you to get a discount of up to 50% on cash management services. The cost of currency control starts from 800 rubles per month.

• Opening an account: free;
• Cash deposit: from 0.1%;
• Online accounting: 0 rub.;
• Salary project: 0 rub.

When opening an account, the entrepreneur receives a corporate card as a gift and will be able to pay salaries hired workers no commission. Extra Bonus- 3 months of free accounting and reporting to government agencies.

• Opening an account: free;
• Cash deposit: from 0.25%;
• Online accounting: 0 rub.;
• Salary project: 0 rub.

Individual entrepreneurs receive a remote currency control service and the ability to make urgent ruble payments. You can open a special account with VTB and use it to participate in electronic trading.

• Opening an account: free;
• Cash deposit: from 0.1%;
• Online accounting: from RUB 5,800;
• Salary project: 0 rub.

Internet banking individual entrepreneur allows you to make a mass payment to an unlimited number of recipients in just 1 minute. IN personal account You can view the history of transactions by day and generate payments based on a document from the statement.

• Opening an account: 500 rub.;
• Cash deposit: from 0.15%;
• Online accounting: 0 rub.;
• Salary project: from 0 rub.

When connecting to a cash settlement bank, you can choose specific services instead of the usual package offers. It is possible to provide statements in ruble and foreign currency account no commission.

• Opening an account: 0 rub.;
• Cash deposit: from 0.1%;
• Online accounting: 0 rub.;
• Salary project: from 500 rub.

A qualified manager in each city will advise on all issues related to account servicing. The bank offers an overdraft for a large sum for business development.

• Opening an account: 0 rub.;
• Cash deposit: from 0%;
• Online accounting: from 650 rubles;
• Salary project: 0 rub.

When you open an individual entrepreneur's current account, you will receive a manager's cashback card, which will be credited with cashback from all purchases for corporate card. Fixed bonus amount - 1.5% on everything.

• Opening an account: 0 rub.;
• Cash deposit: from 0.19%;
• Online cash desk: 0 rub.;
• Salary project: 0 rub.

An individual entrepreneur receives a business card as a gift and the opportunity to use an online cash register for free. You can get an express loan for the development of your business with a limit of up to 20 million rubles and a period of 10 years.

• Opening an account: 0 rub.;
• Cash deposit: from 0%;
• Online accounting: 0 rub.;
• Salary project: 0 rub.

A young business can use cash register services completely free of charge. An individual entrepreneur's current account opens quickly, and each tariff includes free online accounting and Internet banking.

The most profitable cash settlement in Sfera Bank. Here you can receive advisory and financial support around the clock, without visiting a bank office. Raiffeisen and Tinkoff are popular among entrepreneurs; you can use the RKO functionality without charging a commission. Sberbank and Alfa-Bank remain the most reliable; they are most often chosen by beginning individual entrepreneurs. Vostochny and Tochka Bank offer complete freedom of action for their clients - entrepreneurs can take advantage of free service during the first months and independently determine the range of services in their tariff plan. At MTS and UniCredit large percentage on the balance of funds - up to 6%. Delo Bank also offers the same conditions, but servicing the accounts of entrepreneurs with a small turnover is quite expensive. Most banks from the second ten do not charge interest on the balance, and the amount of payments is almost 2 times higher than that of TOP organizations.

Criteria for choosing a bank for opening a current account

We suggest that you familiarize yourself with the main criteria when choosing a bank for a current account for an individual entrepreneur or LLC. The efficiency and reliability of your business will depend on them. Here is a short list of the main points that you need to pay attention to when selecting a RKO program:

• reputation financial organization. Read the reviews of those who have already opened a current account and are serviced in it;
• list of services included in the tariff plan, for example, salary project, online accounting, acquiring;
• is it possible to integrate the bank's cash settlement services with other services;
• number and location of ATMs. This will save time when cashing out funds from a corporate card;
• payment processing time. An important parameter on which the speed of the transaction will depend. For example, some banks do not process transactions at night, which may cause some inconvenience;
• the amount of interest accrued on the balance. Sometimes this amount can cover the individual entrepreneur’s expenses for servicing the current account;
• the presence of an overdraft or line of credit for entrepreneurs. This service is especially relevant for those who make regular purchases of goods and do not always have enough money to quickly buy a quality product;
• bonuses from partners. For example, when opening a current account for an individual entrepreneur, Sberbank gives 15 thousand rubles for the first advertising campaign in Yandex Direct;

It’s also worth finding out which bank opened current accounts from your counterparties. If you open an account with the same bank, you will be able to make payments with lower fees and significantly speed up payment processing times.

When can a bank refuse to open an account?

Sometimes it is impossible to open a current account for an individual entrepreneur and many entrepreneurs wonder why the bank refused to provide cash settlement services? Let's look at common reasons for refusal to open an account for small and medium-sized businesses:

• inaccurate information in the application form about the entrepreneur;
• absence of one or more documents for execution of a cash settlement agreement;
• incorrectly specified legal address or its concealment;
• lack of tax reporting;
• suspicions of the bank's involvement in the illegal activities of the individual entrepreneur.

In practice, there may be more reasons for refusing to open a current account, and banks do not disclose them. In principle, an individual entrepreneur can carry out its activities without a current account, but then strict restrictions are established for the business.

Last update: 01/21/2020

Reading time: 11 min. | Views: 9137

Hello dear readers financial journal"website"! In this article we will tell you how and where it is more profitable to open a current account for individual entrepreneurs and LLCs, what documents will be needed to open an account, and which banks provide services for opening and servicing current accounts for individual entrepreneurs and organizations.

From the article you will learn:

• Why should individual entrepreneurs and LLCs open a current account?
• How quickly and where best to open a current account;
• Advantages and features of having an account with a company.

All owners of large and small companies, individual entrepreneurs and managers of enterprises and organizations need to know about the current account.

If you want to know how to open a current account quickly and profitably, then read our article further. So let's go!

For information on how to open a current account for an individual entrepreneur or LLC and what documents will be needed to open a current account in a bank, read this article

1. What is a current account and why is it needed - definition + advantages of settlement account 📋

According to the legislation of the Russian Federation, all legal entities can keep their funds in a bank account.

Checking account - This Account bank, which has a unique number assigned to the client for the purpose of his identification, for non-cash payments during economic activity, payment of taxes and other payments.

Accounts can be opened both for legal entities (individual entrepreneurs, LLCs, etc.) and for individuals. main feature current account in that it is opened for the purpose of carrying out commercial (or other) activities.

Good to know: a current account is not opened to accumulate money; interest is not accrued on it (with rare exceptions). It is necessary for the current activities of the company.

Advantages (+) of having a current account

A company with a current account has the following advantages:

Advantage 1. Legal entity status

Having a bank account increases the status of the company, increases the trust of suppliers, and proves that the company is reliable and stable.

Advantage 2. Security of storage of the company's own funds

Non-cash payments are considered the most secure compared to cash payments. Eliminates the possibility of receiving counterfeit bills, theft, force majeure.

Advantage 3. Client's solvency

The presence of turnover on the current account convinces the bank of the client’s solvency. When applying for a loan, he will be offered favorable individual conditions. In addition, there will be no need to provide evidence of the profitability of the enterprise.

Advantage 4. Speed ​​and convenience of transactions

Internet capabilities allow you to make payments online, without mandatory visits to the bank. Payments are made according to the “day to day” system. Funds are deposited quickly, in the system of one bank, without commissions or additional payments.

Advantage 5. Mobile payments

You can make payments from anywhere where there is internet.

Advantage 6. Control over the receipt of funds

Exercising timely control over the receipt of funds from counterparties. You can always monitor receipts to your current account online.

With the help of a current account, a company has the opportunity to pay with suppliers, receive money from customers, pay taxes, withdraw cash for reporting, for wages, household expenses. needs, travel and other expenses, obtaining and repaying loans, and so on.

What documents will be needed to open a bank account for an individual entrepreneur (IP) or a limited liability company (LLC) - you will find out below

2. Necessary documents for opening a current account for individual entrepreneurs and LLCs 📑

Banks have different requirements for opening accounts. Sometimes credit institutions hold special promotions to attract clients; they involve the provision of a simplified package of documents.

Standard requirements of banks for documents when opening a current account:

• Constituent documents of the organization: Charter, decision to create an enterprise (protocol of the decision, if there are several founders), constituent agreement.
• Orders of appointment director, chief accountant (if necessary).
• Passports of persons, who will have the right of first and second signatures in the bank.
• Extract from the Unified State Register of Legal Entities or Unified State Register of Individual Entrepreneurs, made for a period of no more than 3 months.
• Certificates of presence/absence of debt on taxes and fees.
• When submitting documents by an authorized person, documents confirming his authority.
• Seal(in the presence of).

To save time, you can open a current account via the Internet, with mandatory subsequent submission to the bank original documents.

A card with sample signatures is filled out at the bank. You must be very careful when putting your sample signature, all operations on the account will be carried out using it in the future, and if the operator finds the signature different from the original, the documents may be returned without execution.

In order to transfer funds to a current account, it is not enough to know only its number. Required Bank details accounts that are specified in the bank account agreement concluded between client And bank.

All legal entities are required to open a current account. The legislation provides for the possibility of working without opening an account only for individual entrepreneurs (individual entrepreneurs) working without opening legal entity.

However, there is a limitation on maximum amount cash transaction in the amount of 100 thousand rubles.

For example : The individual entrepreneur entered into a contract for the supply of materials in the amount of 500 thousand rubles. Payment can only go through non-cash, and the entrepreneur will be required to open a bank account.

If the condition is not met, then when checking tax office, fine will be for individual entrepreneurs up to 5 thousand rubles, for LLC in 10 (ten) times more. You can read about it at the link.

This limit does not apply to funds received for wages, for issuance on account, social payments, for the personal needs of the entrepreneur (this will have to be proven).

The bank may suspend operations on the account at the request of authorized persons.

An account may be seized or card files may be placed in the following cases:

• Late payments to the budget.
• Delays in filing income tax returns.
• Judicial claim.

You can close an account in the following cases:

• Decision of an authorized person.
• Liquidation or .
• Bankruptcy.
• Judicial decision.

If, upon closing an account, there is a balance on it, at the request of authorized persons, it is transferred to another account or withdrawn in cash.

Today, businesses can have multiple accounts with one or more banks.

3. In which bank to open a current account for individual entrepreneurs and LLCs - 5 main criteria for choosing a bank 📊

Having registered a company, you need to decide on the bank in which the current account will be opened.

Let's consider the main criteria when choosing a bank to open a current account.

Criterion 1. Stability of the credit institution

The safety of the company's funds will depend on the reliability of the bank.

Must be remembered , that the balance of funds in the bank account is not insured by anyone (unlike private deposits); if the bank goes bankrupt, the company may wait a long time for the return of funds.

Criterion 2. Tariff schedule and commissions (cost of service)

The second most important selection criterion is the tariff plan used for opening and servicing an account. Difference in tariffs in different banks maybe very significant, regardless of the level of services provided. Therefore, it is necessary to choose a suitable tariff plan.

Banks charge a commission for opening a current account, its amount can be from 100 rub. up to several thousand . You can find a lending institution that offers open an account for free, but an increased rate may apply for the service.

Below in the article we will present the optimal tariffs in stable and reliable banks.

Criterion 3. Availability of Internet banking

Internet banking has now become a necessary element of the functioning of an enterprise. It allows you to make payments fast, mobile, without visiting the bank.

Important to know the opinion of bank clients about the existing Internet bank, since the system may not be mature and inconvenient to use.

Criterion 4. Calculation of interest on account balance

Some credit institutions offer an accrual service income interest on the balance of funds on the current account. This is usually done for important clients of the bank, in order to attract and accumulate all the client’s funds in one credit institution. The percentage is usually purely symbolic, but carries a positive attitude.

Where is it more profitable to open a current account for LLCs and individual entrepreneurs - rating of the best banks for opening a current account

4. Where is it more profitable to open a current account for an individual entrepreneur or LLC - TOP-8 banks (classification according to tariff plans) 🏨

You can choose a bank based on different criteria; it is important to decide on the most significant ones for a particular enterprise. If a company needs an invoice only For settlements with the tax authorities, you should not choose banks with mobile and Internet applications.

If the organization constantly lacks funds in its account, there is no need to choose tariffs with interest accrual on the account.

4.1. Banks where you can open a current account for LLCs and individual entrepreneurs online free of charge and quickly - 4 modern and innovative banks

Young progressive banks offer good conditions for your clients. Below are TOP 4 bank, where you can open a current account for individual entrepreneurs and LLCs free of charge and online. These banks are the most technologically advanced and have reasonable rates for opening and maintaining a current account.

1) Bank Tochka (Opening)

Bank Point offers convenient service conditions for clients, carries out transfers in the bank’s system around the clock. Tariffs may vary in different regions where the bank operates. The Moscow representative offices of the bank have the most expensive tariffs. Offers Internet acquiring services, mobile acquiring, carries out transfers with verification of the counterparty. The disadvantages include the insufficient number of offices and representative offices.

The bank has 3 service tariff plans:

1. Lowcost;
2. Economy;
3. Business.

Tariffs for opening and servicing a current account at Tochka Bank (Otkritie):

You can open a bank account in a day and use it immediately. Extended operating day– from 00.00 to 21.00.

The bank offers Internet acquiring services, mobile acquiring, and carries out transfers with verification of the counterparty. What is mobile, shopping and , we wrote in the previous material.

The disadvantages include the insufficient number of bank offices and representative offices.

2) Tinkoff Bank

Tinkoff Bank is different according to customer reviews good service, convenient Internet banking, the ability to open an account via the Internet. This is a young progressive bank that is successfully conquering the financial market. The disadvantages of its work include the lack of an extensive branch network.

The bank has two tariff plans: Simple, Advanced.

Tariffs for opening and servicing a current account at Tinkoff Bank:

It will take only a few minutes to open, and you can use the account right away. The bank has long operating day– from 7.00 to 21.00

The disadvantages of its work include the lack of an extensive branch network.

3) Modulbank

The bank module offers a free tariff plan for small businesses and has a convenient mobile application. According to management, balances on current accounts are insured for up to 1.4 million rubles. The disadvantages of the bank include its unbranched branch network, since the bank is still young and does not have the full trust of customers.

Offers three tariff plans depending on the turnover: Starter, Optimal, Unlimited.

Tariffs for servicing and opening a current account at Modulbank:

A bank account is opened within one day, although you can use it immediately. The operating day is long– from 9.00 to 20.30.

The disadvantages of the bank include a small branch network, since the bank is still young and does not have the full trust of customers.

4) Bank UBRD (Ural Bank for Reconstruction and Development)

The Ural Bank for Reconstruction and Development offers a convenient tariff plan. A special feature of the bank is the ability to call a manager to open an account in his office.

There are 5 service plans:

1. Business package 3 – All-inclusive principle 3 months;
2. Business package 6 – All-inclusive principle 6 months;
3. Business package 12 – All-inclusive principle 12 months;
4. Online – real time;
5. “Everything is simple” - payment only for account transactions.

Connection of tariffs is paid service, costs from 2.5 thousand rubles.

Tariffs for opening and servicing a current account at UBRD Bank:

The bank opens an account within one day. Standard operating day– from 9.00 to 18.30.

A special feature of the bank is the ability to call a manager to open an account in his office. The bank offers a cheap tariff plan, but paid SMS notifications.

4.2. Current account in the largest banks of the Russian Federation - 4 reliable and large banks

Let's move on to a review of the largest banks in the country with tariffs for opening and servicing a current account for legal entities.

1) Sberbank

Sberbank does not need to offer preferential terms service, it attracts customers with its reliability and the presence of many representative offices and offices . Therefore, the tariffs for servicing and opening a current account for individual entrepreneurs, LLCs and other forms of entrepreneurship at Sberbank are quite high.

Only “Important” (VIP) clients of the bank with good turnover on their current account, using various banking products. As a bonus, Sberbank offers the opening of a second and subsequent current accounts in the online without visiting the bank and submitting additional documents.

To open a current account with Sberbank, it offers 6 service tariff plans:

1. Minimum;
2. Basis;
3. Assets;
4. Optima;
5. Trading Plus;
6. Salary.

Tariffs for opening a current account and servicing it for individual entrepreneurs and LLCs in Sberbank:

The bank is not known for its speed of service; opening an account will take from one to several days. Client service schedule– from 09.30 to 20.00.

Among the main disadvantages of working with Sberbank are its low level of service quality, weak technical support, the duration of request processing.

2) Alfabank

Alfabank also takes advantage of its reliability and stability, there are individual programs services, bonuses and coupons are provided.

Clients note a fairly high tariff plan and strict control over transactions performed by clients.

Tariffs for opening and servicing a current account at Alfabank:

It will take 3 days to open an account with Alfa Bank. Duration trading day standard – from 09.00 to 19.30.

3) Avangard bank

Avangard Bank does not offer the best service conditions.

According to customer reviews, the bank has cases of imposition of services and annoying calls, although on average the impression of the bank is positive.

The bank offers the following tariff plans:

1. Base;
2. Extended;
3. All inclusive.

Tariffs for opening and servicing a current account at Avangard Bank:

It will take 1 day to open an account at Avangard Bank. Short operating day– from 09.00 to 17.30.

4) Raiffeisen Bank

The bank is a representative office Austrian banking holding company Raiffeisen Bank International AG». It is among the 20 largest banks operating in the Russian Federation in terms of assets.

Offers average cost service rates. The bank offers 2 service tariff plans:

1. Start;
2. Base.

Tariffs for opening and servicing a current account at Raiffeisen Bank:

It will take 1 day to open a bank account. It has very short operating day– from 09.00 to 17.00, which is a very inconvenient time for clients.

The bank offers average cost tariffs; the Start Internet Bank tariff is paid. Clients note the fact of an attempt to impose additional services on the bank

4.3. Summary table of tariffs for opening and servicing a current account in banks

You need to choose a bank according to your individual needs, choosing progressive technology companies.

The table below provides summary data on the main parameters to get a complete picture of the tariffs for popular banks.

Thus, large banks offer quite expensive service tariffs, which is explained by their position in financial market. Along with the old stable banks such as Sberbank, Alfa Bank, Vanguard, young promising banks are not inferior in stability and complexity proposed programs. They often offer more attractive rates And good service conditions. All presented banks have a high rating according to rating agencies.

Important! Because some banks offer service for a certain time for free, it makes sense to open accounts in not one, but several banks and see by personal example the convenience and quality of service.

For small business when turnover on the current account is planned to be small but stable, the best options it could be considered Mobulbank , bank Dot , Tinkoffbank . They are distinguished by offering free service for new customers (for several months), they offer free online banking and mobile banking.

If an LLC or individual entrepreneur will receive more than 1 million rubles per month , it is better to choose Sberbank, Alfabank, Avangard Bank, UBRR Bank. They offer customized service programs and are stable and reliable.

Assistance in opening a current account for individual entrepreneurs and LLCs - detailed step-by-step instruction

5. How to open a current account - step-by-step instructions (help) in opening a personal account for LLCs and individual entrepreneurs 📝

Opening an account is a mandatory requirement for legal entities and desirable for individual entrepreneurs. If an individual entrepreneur plans to develop his activities, his account will be necessary for paying taxes, settlements with suppliers, and so on.

So let's consider step by step order opening a current account.

Step 1. Selecting a bank (credit institution)

An account can be opened in one or more banks at the request of the client. Having chosen a bank, the client contacts its manager to clarify required package documents. After preparing the documents, he fills out an application form.

Some banks offer service for opening a current account online and providing copies of documents, but with mandatory confirmation during a personal visit to the bank. Usually, the second and subsequent accounts of a legal entity are opened online in one bank.

Other banks offer specialist visit to the customer’s office, where the account will be opened on the spot, without visiting the bank.

Step 2. Select a tariff plan

The second important step is choosing the right tariff plan. It depends on the amount of planned turnover on the current account.

Selected individually, it is possible to switch from one tariff plan to another. This procedure is usually free for clients.

Step 3. Paperwork

At the bank, the client fills out a sample signature card, an agreement for opening and/or settlement is concluded. cash service(sometimes it is presented in the form of an offer agreement on the company’s website and does not require separate signing). We wrote about what RKO () is and why it is needed in one of our articles.

It is also necessary to sign documents for additional services.

When opening a bank account, all authorized or trusted persons must be present (the power of attorney must be notarized). Compulsory The condition is confirmation of authority.

Step 4. Setting up additional services

After signing the documents, Internet banking or client banking is configured, mobile banking, acquiring and so on.

And why it is needed, read our previous publication.

If the client is poorly versed in the legal intricacies of opening and maintaining a current account, he can contact specialized companies that provide services for preparing and verifying all documentation for opening an account. Their experience and knowledge of legislation will help in solving all emerging problems.

6. How to find out an organization’s current account - 4 simple ways 📄

Let's look at some simple ways determination of the organization's current account.

Method 1. To find out your current account number, just look at the agreement concluded between the bank and the client.

If you want to find out the account number of a third-party organization to which you are going to transfer funds, you can also look at it at the end of the agreement.

You can find out the current account of an organization (IP) using the details at the end of the agreement

Method 2. If you have activated the Internet banking service, you can go to your personal account and find the necessary information there.

Method 3. You can find out the organization's current account via the Internet (website tax service — (egrul.nalog.ru ))

You can find out the organization's current account via the Internet and the federal tax service

Method 4. If the listed options did not help you find out the organization’s account, then the most obvious way is call the bank .

To conclude agreements/contracts for the supply of goods and services, you must know the details of a legal entity. They are usually written at the end of the contract, in the section: “ Addresses and details of the parties". Without details of a legal entity impossible transfer of funds.

Details include:

• Organization name, account number.
• Name, BIC, INN, COR/ACCOUNT, KPP of the bank.

If you provide incorrect details, the funds usually get stuck with the bank and wait for confirmation to be credited. The client must notify the credit institution in writing of the exact payment details.

7. Frequently asked questions (FAQ) 💬

Let's look at some questions that entrepreneurs often ask when registering their business.

Question 1. Where is it more profitable to open a current account for an individual entrepreneur?

An individual entrepreneur can open an account with one or more credit institutions at his discretion. High competition forces banks to fight for each client, offering profitable terms service.

The main points to pay attention to when choosing a bank:

• Operation stability, stability, high reliability rating credit organization. This information is available on the website of the Central Bank and various rating agencies.
• Tariff plan offered by the bank. It is worth noting that young progressive banks offer cheaper rates than credit institutions, which have already gained authority in the financial market.

• Opening an account: free;
• Replenishment: from 0.1%;
• Online accounting: 0 rub.;
• Salary project: from 0 rub.

An excellent option for those who are just starting to learn the basics of entrepreneurship. No fees for opening an account or maintaining online accounting. The first year of service is 0 rubles. Currency control is only 1% of the transfer amount.

• Opening an account: free;
• Cash deposit: 0%;
• Salary project: 0 rub.

Favorable conditions for large businesses - up to 300 free payments per month, online accounting, replenishment of a current account without commission.

• Opening an account: free;
• Replenishment: from 299 rub.;
• Online accounting: 0 rub.;
• Salary project: from 0 rub.

24/7 online service with a clear cash register interface. You will be able to transfer up to 1 million rubles from your current account to a Tinkoff card without commission. Withdrawing funds up to 150 thousand is also free.

• Opening an account: free;
• Cash deposit: from 0.5%;
• Online accounting: 0 rub.;
• Salary project: from 0 rub.

This bank is more suitable for beginner individual entrepreneurs whose account turnover is minimal. RKO is carried out with a minimum commission; free replenishment of the balance up to 75,000 rubles is also available.

• Opening an account: free;
• Cash deposit: from 0.15%;
• Online accounting: 0 rub.;
• Salary project: from 2,500 rubles;

The most reliable bank in the country offers entrepreneurs many profitable options and bonuses. For example, replenishing an account without commission up to 500 thousand, transfers to individuals in amounts up to 300,000 rubles. Sberbank's tariff line also includes free services.

• Opening an account: free;
• Replenishment: from 0.2%;
• Online accounting: from RUB 2,500;
• Salary project: from 0 rub.

Entrepreneurs can receive cashback from amounts that go towards paying taxes. The cost of an annual cash settlement is low, which allows both beginners and successful businessmen to use the bank’s functionality. Another plus is profitable merchant acquiring, only 1.3%.

• Opening an account: free;
• Replenishment: from 0.16%;
• Online accounting: 0 rub.;
• Salary project: up to 399 rubles.

The financial institution offers its clients a wide selection of tariff plans for individual entrepreneurs. Other advantages of cash settlement services include the low cost of payment orders and free transfers to individuals in amounts up to 500 thousand.

Vostochny Bank - flexible choice of tariff plan options

• Opening an account: free;
• Cash deposit: from 0.15%;
• Online accounting: from 0 rub.;
• Salary project: from 0 rub.

The bank has a large, developed network of offices, which allows you to open a current account in any region of the country. Despite the high cost of annual maintenance, individual entrepreneurs can individually activate the TP functionality by disabling unnecessary services.

• Opening an account: free;
• Cash deposit: from 0.05%;
• Online accounting: 0 rub.;

Each package of services gives you the opportunity to get a discount on cash settlements of up to 50%. The cost of currency control is only 900 rubles per month. In addition, you can track your account movements online 24 hours a day.

• Opening an account: from 0 rub.;
• Cash deposit: from 0%;
• Online accounting: 0 rub.;
• Salary project: from 0 rub.

Individual entrepreneurs can take advantage of benefits when opening a current account and not pay for the first 2 months of maintenance. Business support service operates 24 hours a day online.

• Opening an account: free;
• Cash deposit: from 0.05%;
• Online accounting: 0 rub.;
• Salary project: from 1,000 rub.

The bank has developed several preferential lending and deposit programs for individual entrepreneurs. You will be able to invest your money profitably and receive income on the balance of up to 6%.

• Opening an account: free;
• Cash deposit: from 0%;
• Online accounting: 0 rub.;
• Salary project: 0 rub.

Tariff plans for dynamically developing businesses allow you to get a discount of up to 50% on cash management services. The cost of currency control starts from 800 rubles per month.

• Opening an account: free;
• Cash deposit: from 0.1%;
• Online accounting: 0 rub.;
• Salary project: 0 rub.

When opening an account, the entrepreneur receives a corporate card as a gift and will be able to pay salaries to employees without commission. Additional bonus - 3 months of free accounting and reporting to government agencies.

• Opening an account: free;
• Cash deposit: from 0.25%;
• Online accounting: 0 rub.;
• Salary project: 0 rub.

Individual entrepreneurs receive a remote currency control service and the ability to make urgent ruble payments. You can open a special account with VTB and use it to participate in electronic trading.

• Opening an account: free;
• Cash deposit: from 0.1%;
• Online accounting: from RUB 5,800;
• Salary project: 0 rub.

Internet banking for an individual entrepreneur allows you to make a mass payment to an unlimited number of recipients in just 1 minute. In your personal account, you can view the history of transactions by day and generate payments based on a document from the statement.

• Opening an account: 500 rub.;
• Cash deposit: from 0.15%;
• Online accounting: 0 rub.;
• Salary project: from 0 rub.

When connecting to a cash settlement bank, you can choose specific services instead of the usual package offers. It is possible to provide statements for ruble and foreign currency accounts without commission.

• Opening an account: 0 rub.;
• Cash deposit: from 0.1%;
• Online accounting: 0 rub.;
• Salary project: from 500 rub.

A qualified manager in each city will advise on all issues related to account servicing. The bank offers an overdraft for a large amount for business development.

• Opening an account: 0 rub.;
• Cash deposit: from 0%;
• Online accounting: from 650 rubles;
• Salary project: 0 rub.

When you open an individual entrepreneur's current account, you will receive a manager's cashback card, which will be credited with cashback from all purchases on the corporate card. Fixed bonus amount - 1.5% on everything.

• Opening an account: 0 rub.;
• Cash deposit: from 0.19%;
• Online cash desk: 0 rub.;
• Salary project: 0 rub.

An individual entrepreneur receives a business card as a gift and the opportunity to use an online cash register for free. You can get an express loan for the development of your business with a limit of up to 20 million rubles and a period of 10 years.

• Opening an account: 0 rub.;
• Cash deposit: from 0%;
• Online accounting: 0 rub.;
• Salary project: 0 rub.

A young business can use cash register services completely free of charge. An individual entrepreneur's current account opens quickly, and each tariff includes free online accounting and Internet banking.

The most profitable cash settlement in Sfera Bank. Here you can receive advisory and financial support around the clock, without visiting a bank office. Raiffeisen and Tinkoff are popular among entrepreneurs; you can use the RKO functionality without charging a commission. Sberbank and Alfa-Bank remain the most reliable; they are most often chosen by beginning individual entrepreneurs. Vostochny and Tochka Bank offer complete freedom of action for their clients - entrepreneurs can take advantage of free service during the first months and independently determine the range of services in their tariff plan. MTS and UniCredit have a high interest rate on the balance - up to 6%. Delo Bank also offers the same conditions, but servicing the accounts of entrepreneurs with a small turnover is quite expensive. Most banks from the second ten do not charge interest on the balance, and the amount of payments is almost 2 times higher than that of TOP organizations.

Criteria for choosing a bank for opening a current account

We suggest that you familiarize yourself with the main criteria when choosing a bank for a current account for an individual entrepreneur or LLC. The efficiency and reliability of your business will depend on them. Here is a short list of the main points that you need to pay attention to when selecting a RKO program:

• reputation of the financial institution. Read the reviews of those who have already opened a current account and are serviced in it;
• list of services included in the tariff plan, for example, salary project, online accounting, acquiring;
• is it possible to integrate the bank's cash settlement services with other services;
• number and location of ATMs. This will save time when cashing out funds from a corporate card;
• payment processing time. An important parameter on which the speed of the transaction will depend. For example, some banks do not process transactions at night, which may cause some inconvenience;
• the amount of interest accrued on the balance. Sometimes this amount can cover the individual entrepreneur’s expenses for servicing the current account;
• availability of an overdraft or credit line for entrepreneurs. This service is especially relevant for those who make regular purchases of goods and do not always have enough money to quickly buy a quality product;
• bonuses from partners. For example, when opening a current account for an individual entrepreneur, Sberbank gives 15 thousand rubles for the first advertising campaign in Yandex Direct;

It is also worth finding out in which bank your counterparties have current accounts. If you open an account with the same bank, you will be able to make payments with lower fees and significantly speed up payment processing times.

When can a bank refuse to open an account?

Sometimes it is impossible to open a current account for an individual entrepreneur and many entrepreneurs wonder why the bank refused to provide cash settlement services? Let's look at common reasons for refusal to open an account for small and medium-sized businesses:

• inaccurate information in the application form about the entrepreneur;
• absence of one or more documents for execution of a cash settlement agreement;
• incorrectly specified legal address or its concealment;
• lack of tax reporting;
• suspicions of the bank's involvement in the illegal activities of the individual entrepreneur.

In practice, there may be more reasons for refusing to open a current account, and banks do not disclose them. In principle, an individual entrepreneur can carry out its activities without a current account, but then strict restrictions are established for the business.