Which bank account to choose. In which bank is it better to open a current account for an individual entrepreneur? Choosing the best bank for entrepreneurs

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

Where is it profitable to open a current account for LLC

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

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

When choosing a financial institution for settlement and cash services, the following points should be considered:

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

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

bank requirements

Comparing where it is more profitable to open a current account, it is necessary to pay attention not only to tariffs, but also to the reputation of the bank. First of all, it must be reliable, since the money of legal entities is not insured and in the event of a license revocation, they will be frozen.

It is worth evaluating the proximity of a branch of a credit institution and customer focus. Loyal attitude and quick resolution of emerging issues will facilitate the work process.

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

Tochka - a bank for entrepreneurs

Bank for Entrepreneurs "Tochka", operating on the basis of "FC Otkritie", specializes in working with corporate clients. The bank has no branches, service is carried out remotely, around the clock. Tochka is one of the banks where you can really profitably open a current account for an LLC, the procedure takes no more than an hour. Interest is accrued on the balance of the account.

Tinkoff Bank also has no branches and operates on a remote service basis. The bank has a high customer focus and is distinguished by the presence of a personal manager. Long operating day (from 07.00 to 21.00), which is a definite plus for business. Up to 8% is charged on the balance. Tinkoff Bank is a financial institution where you can quickly open a current account for an LLC with instant provision of details. Credit line provided.

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

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

The largest bank in Russia also provides the opportunity to open an LLC account, which can be done in one day. It is possible to replenish a corporate card through an ATM. You can subscribe to a completely free plan.

VTB

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

A large, reliable bank with a large number of branches throughout Russia. A convenient personal account for managing an account, there is a personal manager service. Long business day. The balance is charged up to 3%.

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

Package of documents for opening a current account

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

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

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

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

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

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

Possible reasons for refusal to open an account

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

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

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

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

It is not necessary to open a current account for an individual entrepreneur. However, often, especially when a businessman is focused on the rapid growth of the company and plans to enter into cooperation with other large firms, the R/S will be an important element of success. But where to go? At the moment, on the territory of the Russian Federation there are many credit organizations and banks that have in the list of their services such as opening an account for entrepreneurs. But how many representatives of this service, just as big a range of prices. Therefore, you have to spend a lot of time, find out, calculate and look for the most suitable conditions. After all, many additional factors are hidden inside the opening service - the rate of commissions for maintaining an account, the prices for transfers and cash withdrawals, and so on.

Where to open a business account

The purpose of the current account is to be a convenient tool for running your own business. It is used both for control by the entrepreneurs themselves, and for blocking activities and compiling fines by the tax department together with extra-budgetary funds.

What you can do with a checking account:

• Use non-cash transfers
• Accept transfers from other organizations and legal entities
• Pay taxes
• Pay contributions to funds

These are just a few of the main features. But remember, it is better not to use this account in the same way as you use your personal bank account. Otherwise, the tax authority, when checking, may get confused and force you to pay an additional 13 percent income tax.

If an entrepreneur additionally connects the online banking service to his account, he gets the opportunity to use it directly from his personal computer, which is very convenient and saves a huge amount of time.

When asked where I can open a current account, no one can give a 100% unambiguous answer. Because there are too many individual factors. However, to figure out on what principles you need to choose a bank for yourself is a quite affordable goal.

So, for example, if a “peshnik” opens an account for a small local business, and the main thing for him is the minimum commission for maintaining an account, then let him look for it among local regional banks. But at the same time, there may be problems with transfers to personal accounts of foreign companies, so you should think twice. Maybe a federal organization would be more suitable. More expensive, but more functional.

Criteria for choosing a bank to open a current account

In addition to your own preferences and goals that your business will pursue, there are a number of factors that you should definitely focus on when choosing a bank:

1. Service price for opening an account for an entrepreneur
2. Service price r/s (in some organizations you you can meet the offer where to pay, in case of zero turnover account, you don't have to).
3. How much will be charged for transactions transfer of own funds.
4. The cost of processing one payment order.
5. Connection options and online banking services, and also cost and commissions.
6. The location of the bank (you still have to go there sometimes, and if not connect online banking even quite often).
7. Reliability. This factor is also considered through customer feedback.

It is advisable to choose a bank that belongs to the DIA state guarantee system (deposit insurance agencies). In this case, you can expect that your funds stored in the bank will be insured, and in cases of unforeseen problems of the banking organization (alas, this is not uncommon in our time), the state will compensate you for them.

While you start to select a system for maintaining a current account that is convenient for you, monitoring of bank promotions and offers will come in handy. Since today the competition for an entrepreneur is growing, many companies are beginning to make concessions and offer various discount options. For example, you can find promotions where, if you pay for a year in advance, you will receive a reduction in the price of servicing your current account.

big bank

The positive aspects of this option can overpower the desire to "take cheaper":

• Reliability. At such banks rarely have their licenses revoked.
• Branching. The presence of a huge number of branch offices can go hand in hand. After all, not you have to look for ATMs, yes And most likely one of branches will be very close to your place of residence.
• Thoughtfulness. Typically large organizations spend more money on service development. Accordingly, it can be expected that services will be more thoughtful and more conveniently performed. For example, Internet banking.

Minus - cost of services.

How much does a current account for an individual entrepreneur in Sberbank cost

Sberbank is the largest organization in the Russian Federation. Therefore, to show an example of a pricing policy on it would be a good decision. You will understand how much reliability and convenience will cost you, as well as whether it is worth saving and looking for a smaller organization.

• Opening a current account 2400 rubles.
• Opening a current account, if you took a loan from the same bank - 700 rubles.
• Monthly payments for maintaining an account - 2000 rubles. Or 700 rubles, if payment orders you work only with using online banking.
• Important! These are Moscow prices. If you planning to work in region, then you can count on tariff reduction in one and a half to two times.
• Connecting an online service from the Security Council - 960 rubles.
• EDS USB key - 990 rubles.
• Transfers to a personal account - 1% of the amount.

How much does it cost to open a current account in different banks

• VTB - 2500 rubles.
• Gazprom - 2500.
• Alfa-Bank - from 800 rubles.
• Promsvyazbank - from 500 rubles.
• Unicreditbank - from 1200 rubles.

But there are also free options - these are the Bank of Moscow, Raiffeisenbank and BinBank. However, take a closer look at domestic rates.

As you can see, the range of prices even for one part of the service (opening a bank account) is very large. Therefore, it is necessary to delve into the conditions that an entrepreneur offers this or that organization very carefully. Where you pay nothing for one column, you can overpay for another tariff column. Some banks are trying to create the most flexible system of interaction with businessmen. So, for example, in some banks, they may not take anything for maintaining a cash account if no transactions are made on the current account for a certain period, but if there are any, a fee appears.

How much does it cost to connect Internet banking for individual entrepreneurs

Basically, the service of connecting to the bank's Internet service is included in the basic tariff. So it will be easier for the bank to interact with the entrepreneur and at the same time promote its functionality. But you also have to pay for this. Prices again vary from bank to bank.

Moreover, the service also includes the issuance of an electronic signature (which, in principle, is very convenient, because it can be useful, for example, when working with a taxpayer's personal account).

• Gazprombank - from 1500 rubles.
• Alfa-bank - from 990 rubles.
• VTB - from 500 rubles.

Organizations such as Avangard, Promsvyazbank, Raiffeisenbank, BinBank provide access to the online service for free, you will only need to pay for the issuance of an EDS.

For individual entrepreneurs, it is important to understand in advance how they will withdraw funds from the current account. To facilitate this process, many banks offer to purchase their own additional card, which will be linked to the current account. However, this is not always convenient. Now the most popular method is when money is withdrawn to an ordinary card of an individual (it doesn’t matter if the same bank or not). For the withdrawal will also take money. Today, this is standard 1 percent of the amount.

Outcome

As you can understand, the range of prices for the services of opening, maintaining a current account and performing operations on it is very large, depending on the bank. Therefore, we recommend that you spend enough time to learn more about the details of bank rates. Well, what to pay attention to first of all and what selection criteria to use, we told you.

Any businessman is faced with the need to make settlements with their customers, suppliers, partners. Making such cash transactions is extremely inconvenient, and sometimes completely illegal. Therefore, individual entrepreneurs should choose for themselves the most suitable bank for settlement and cash services.

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

Settlement and cash services (CSS) is a set of services that allows business representatives to conduct their activities as comfortably as possible. In the course of interaction with the bank, an entrepreneur often operates with large sums, so the selection of a suitable financial institution must be approached carefully. When conducting a search, it is necessary to evaluate a whole range of factors:

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

When looking for a bank, one should not forget about the level of security. The financial institution must guarantee the impossibility of theft/loss of funds in the accounts. In the presence of remote banking systems, entry into them should be carried out not with a simple password and login, but with the use of SMS passwords or special keys.

Sberbank

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

Bank Tochka

You can open an account at Tochka Bank at any of the 3 tariffs presented for free. You will not have to pay for its maintenance even in the absence of turnover. The Economy tariff provides 3 free months of account maintenance. The conditions of cash settlement in this bank are one of the most favorable, the advantages include the absence of a commission for depositing cash, the possibility of making free payments and receiving limited amounts without a commission, accruing interest on the balance. Users will also be pleased with convenient modern Internet banking.

Tinkoff bank

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

Raiffeisenbank

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

Modulbank

In Modulbank, the operating day lasts from 4:00 to 20:45, which allows you to make payments almost instantly. The bank offers one of the most attractive terms of service not only for start-up entrepreneurs, but also for those who have been owning their own business for a long time. A clear range of tariffs allows you to choose the appropriate option and minimize your costs, using all the amenities provided.

VTB 24

For its customers, VTB 24 has developed a wide range of tariffs, allowing you to choose the right service conditions. Here you can make payments not only through the Internet bank, but also using a mobile phone. And synchronization with 1C Accounting and “My Business” allows you to keep the workflow as efficiently as possible. On the bank's website, you can choose a tariff, send an online application for opening or reserving an account.

URALSIB

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

Alfa Bank

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

Bank Avangard

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

Rosselkhozbank

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

Promsvyazbank

Promsvyazbank provides 7 service tariffs for small business representatives with different costs for opening and maintaining an account. For beginners, they offer almost free service, and for large companies - favorable conditions and ample opportunities. The presence of online banking allows you to make payments without time limits and with maximum speed. Issuance of corporate cards is available at no additional cost. The bank often holds promotions to reduce the cost of maintaining an account or offers free maintenance for several months.

Rosbank

For small businesses, Rosbank offers unified service conditions. Here you will have to pay for opening and maintaining an account, but all intra-bank transfers will be free. The client gets access to the Internet bank and SMS informing and can use them without additional costs. Transfers to other banks will cost 30 and 250 rubles, respectively, when using the Internet bank and paper. For convenience, you can issue an operating card for only 100 rubles to spend funds from your current account.

UBRD

To open an account with UBRD Bank, you need to contact the branch, but you can send an application directly on the institution's website. For customers, there are 4 tariffs that require the payment of a one-time payment from 0 to 7,500 rubles. A number of programs do not imply a subscription fee, for the rest it does not exceed 900 rubles per month. The undoubted advantage is the commission-free cash deposit. And for interbank payments, 2 out of 4 tariffs will not have to be paid. The settlements themselves are made very quickly during an extended business day.

OTP bank

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

Gazprombank

Gazprombank offers favorable service conditions, but you will have to pay 2,500 rubles for opening an account during the initial treatment. And for this you will have to contact the bank personally. The institution offers favorable conditions for crediting cash to the account (the commission is 0.05% of the amount), a full range of services for servicing the account, including currency control. The special service "Client-Bank" allows you to make payments in a short time using an electronic format or paper, but the latter will cost more.

Bank opening

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

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

Expert bank

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

SKB-Bank

Different clients have their own packages of services. Beginners who do not make many transactions will be able to open an account and use it for free for another 3 months, paying only 59 rubles for each payment document. For the rest of the tariffs, there is a certain number of free payments, favorable conditions for depositing cash. Absolutely everyone who applied will be able to use Internet banking without paying a commission. When paying a monthly fee immediately for 3, 6 or 12 months, you can reduce the total cost by 5, 10 or 20%, respectively.

Sovcombank

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

VTB Bank of Moscow

For its customers, VTB Bank of Moscow offers 3 tariffs that are ideal for novice entrepreneurs (“Business Start”), trade and service enterprises (“Business Development”) and companies with a large volume of payments (“Business Online”). Absolutely for all users, mobile banking and Internet banking, connection of a salary project are provided free of charge. As part of the packages, there are 5, 25 and 100 free payments, respectively, and the ability to deposit cash for free within the established limits.

Loco-Bank

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

Binbank

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

UniCredit Bank

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

AK Bars Bank

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

Eastern Bank

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

Russian Standard Bank

Opening an account with Russian Standard Bank is made for all clients on the same terms. An employee of the institution is ready to help the entrepreneur in preparing all the necessary documents and give out his details on the day of the application. Mobile banking and Internet banking are provided free of charge. Remote operations can be performed around the clock. The issue of a corporate MasterCard Business card is available, as well as linking acquiring and a salary project to it. Low fees for depositing and withdrawing funds from the account.

Credit Europe Bank

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

rebirth

Bank Vozrozhdenie has developed an excellent range of tariffs suitable for different categories of customers. Regardless of the type of service, an account is opened free of charge. Entrepreneurs will be pleased with the relatively low cost of maintaining an account, the price of a payment for large enterprises is 20 and 10 rubles, respectively, for the “Optimal” and “Without Borders” tariffs. The Internet banking system is provided free of charge, the client is also served by a personal manager, you can connect SMS informing.

MTS Bank

MTS Bank successfully operates in the Russian market. For representatives of small businesses, the institution has prepared uniform terms of service. Here you can book an account for free, make transfer operations remotely. Also, the client can issue a corporate card, use the services of currency control, connect a salary project. For business representatives, the bank has prepared a loan with lower interest rates, the money from which can be directed to the development of their business.

Communication Bank

Svyaz Bank is one of the 20 most reliable banks in the country. For business entities, he developed not only a range of RKO tariffs, but also convenient Internet banking, a full-fledged mobile application. The bank's hotline operates around the clock, if desired, you can extend the operating day for an additional fee. Organizations also have access to deposits with higher interest rates than usual. You can get a discount if you pay for annual service.

Bank Zenith

For new customers, it is possible not only to open an account for free, but also to connect to all available RBS systems. The presence of convenient Internet banking allows you to carry out all transactions remotely, without contacting a bank branch. Clients are invited to choose one of 6 tariffs (there is a special line for beginners, importers, traders and other categories).

Bank MKB

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

RNKB

The Russian National Commercial Bank has been operating on the market since 1991. One of the services provided is cash settlement services for individual entrepreneurs and legal entities. For the convenience of its customers, the bank has provided the possibility of opening a simple current account with payment for all transactions or connecting one of 5 tariffs. Each of them will suit a certain category of clients (start-ups, large companies).

Trust bank

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

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

What is the cost of service

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

1. Subscription fee. May not be available or may be free for several months after opening. Typically, the amount of the subscription fee is determined monthly, but when paying for the annual cost, some banks reduce the final price.
2. The cost of using mobile banking. Additionally, the bank may charge information for SMS informing, requests.
3. The cost of using Internet banking. Some banks charge a separate fee for access to your personal account. Major institutions provide this service free of charge. Additional costs may be associated with the installation of specialized equipment, the issuance of electronic keys.
4. Payment order price. A certain number of them can be provided free of charge as part of the package. Usually, the cost of an electronic and paper payment order is very different, the former is much cheaper.
5. Commission for cashing out funds and replenishing the account. Within the framework of various tariffs, it may be absent or greatly reduced.
6. The cost of transfers to the budget. This includes the payment of taxes and statutory insurance premiums. Almost all banks allow you to make such transactions for free, others charge a certain percentage or a fixed fee.

30 min. reading

Updated: 16/04/2019

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

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

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

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

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

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

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

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

How banks were selected for analysis

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

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

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

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

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

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

Accrual% on the balance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We determine the most profitable bank

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

Scenario #1: up to 5 outgoing transfers per month

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

• When calculating the cost of outgoing payments to legal entities, we will take the maximum figure for this scenario 5. This means that in some months, when there will be fewer outgoing payments, for example, 1-2, the cost of servicing will be cheaper in some banks.
• When calculating the cost of outgoing payments 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 displayed, but since we agreed that this scenario is designed for beginners, we will assume that the beginner will have a small income. And we will break these 100 thousand rubles. for 4 outgoing payments of 25 thousand rubles each, since we mean that the money to the account will be received not in one large amount, but in different parts, and we seem to be withdrawing 25 thousand rubles each. every week for life.

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

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

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

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

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

Scenario #2: up to 20 outgoing transfers per month

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

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

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

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

Now let's calculate the rates:

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

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

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

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

What else to pay attention to?

Signature card

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

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

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

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

Account closing cost

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

Account statement cost

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

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

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

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

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

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

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

Some banks charge crazy money for such statements:

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions (FAQ)

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

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

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

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

Which banks open a current account for free

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

Reasons for refusal to open an account

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

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

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

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

What documents are needed to open a current account?

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

Which banks do not close accounts?

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

An enterprise, if it works and pays taxes, cannot fulfill the obligations of a taxpayer without a current account. The reason is the requirement of Article 45(3) of the Russian Tax Code. According to this norm, the obligation to pay tax is considered fulfilled from the moment the order for transfer to the budget is presented. If the company, after registration, has not yet begun real activities, and there is no taxable property on the balance sheet, then for some time you can do without a visit to the bank. But sooner or later, the head of the company will face the question - in which bank to open a current account for an LLC?

We list the criteria that potential customers consider important when opening a current account:

• popularity of the credit institution in the financial market;
• a wide network of branches and departments;
• the speed of execution of the contract and other documents (ideally - in 1 day or visit);
• favorable service rates;
• convenient and understandable online banking interface;
• transaction speed;
• customer focus.

Undoubtedly, all this is important for the convenience of cashless payments. But when deciding in which bank it is better to open an account for an organization, it is necessary to pay attention first of all to its reliability and stable financial position.

If the bank in which LLC accounts are opened, then the legal entity will be in a more difficult position than the individual entrepreneur. Since 2014, individual entrepreneurs, as bank clients, have been equated with ordinary individuals. This means that they are covered by a guarantee of the return of funds in the current account in the amount of no more than 1.4 million rubles. LLC is classified as a third priority creditor, so the money will be returned only after the claims of the first and second priority creditors are satisfied. Of course, there is a high risk that payments will not reach legal entities.

Will you care about the speed of opening an account or the courtesy of bank staff if the bank's credit rating is critically low and the risk of license revocation is high?

How to assess the financial condition of a bank

All credit institutions are required to openly publish information about their activities. On the website of the Central Bank, the reports of banks are freely available: on financial and tax results, the amount of capital, compliance with mandatory standards.

But although the information is open, it is quite difficult to understand it without special education. When choosing where to open a current account for a company, you can refer to the ratings that are compiled by independent professional agencies:

• international (S&P Global Ratings, Moody's, Fitch Ratings);
• Russian (Rus-Rating, Expert RA, NRA, AK&M).

When choosing organizations to open a current account for an LLC, we focused on three important criteria:

1. Net assets (in rubles). This is the sum of the bank's own capital and liabilities (money of individual and legal entities, interbank loans and other attracted funds).
2. Creditworthiness. This is the ability of the bank to issue loans for short and long periods, taking into account the interest rate, target direction and conditions for issuing loans. The creditworthiness index is assessed by different rating agencies according to their own scale. Most often, the rating is denoted by the Latin letters A, B, C, D with the addition of the signs "+" and "-" and the forecast (negative or stable).
3. Funds of enterprises (in rubles). The higher the degree of trust on the part of business in a certain banking institution, the more own money is placed in it by legal entities and individual entrepreneurs. This is a kind of voting with the ruble on the question of where to open a bank account.

The best Russian banks

From the top 30 Russian banks, according to the version of the banki.ru portal, we have selected 5 credit institutions that, in our opinion, are best suited for opening an LLC account.

Alfa Bank. It provides a full range of banking services for all categories of clients, but is especially loyal to small businesses that are just starting their business. For them, even a special tariff plan "StartUp" has been developed with free registration of an LLC account and cards with sample signatures. When paying for banking services in advance, you can save from 17% to 25% of the cost of tariffs.

Opening. According to banki.ru, it was recognized as the "Bank of 2015". As part of the loyalty program for users, 1C-Start offers to open a bank account for LLC for free. The first three months of servicing and using online banking will also be free. If we also add partner bonuses here, then this financial corporation can be called number one in the category “Where is it more profitable to open a bank account”.

Sberbank of Russia.If in the question of which bank to choose for an enterprise, you are primarily guided by the size of assets, then the leader, of course, will be Sberbank. This is the largest credit institution in Russia and the CIS, with the most extensive network of branches and divisions. 50% of the authorized capital of Sberbank plus one voting share is owned by the Central Bank of the Russian Federation. In recent years, the management of the joint-stock company has been actively working to improve service. Positive customer feedback allowed Sberbank to receive the title of institution with the best customer support in 2015 according to banki.ru.

VTB. Another bank with state participation. Consistently included in the TOP-5 banks of Russia in all significant criteria. For business representatives involved in public procurement, it provides guarantees to secure obligations under contracts.

Tinkoff Bank. Ranked first in the Business Banking Fees Rank 2017 in terms of the cost of servicing a small business and first in terms of the cost of servicing a B2B service. Second place in the independent national rating of banks on banki.ru in terms of service quality. Ideal for start-up organizations and for all those who are not ready for serious expenses for banking services. The cost of tariff plans includes not only maintaining a current account, but also online accounting.

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