In which bank to open a current account for an LLC. Bank tariffs for cash settlement services for individual entrepreneurs and LLCs Which bank to choose to open a current account

In which bank should I open a current account for an individual entrepreneur or LLC?

Many entrepreneurs, both beginners and experienced ones, ask this question. Choosing a bank to open a current account is usually based on many criteria:

• - the cost of servicing the current account and the number of transactions included in this cost;
• - ease of management of current accounts and other banking products via Internet banking;
• - the amount of various commissions;
• - possibility of preferential lending;
• - bank reliability, etc.

But today banks not only provide a number financial services. They try to help in solving various business problems throughout life cycle his existence. Traditional banking services become part of a larger ecosystem, existing side by side with accounting and tools tax accounting, document flow, commodity accounting, personnel management and marketing tools.

The effectiveness of Internet banks was assessed for three types of small businesses:

• 1. Micro-business (individual entrepreneur without staff);
• 2. A trade and service company that makes payments only in rubles;
• 3. A company conducting foreign economic activity.

The best online banks for micro-businesses

A freelancer works for himself, makes payments in rubles and can receive payments in foreign currency. Maintains accounting for the simplified tax system and document flow. He has basic needs regarding Internet banking: easy access, setting up notifications, help with accounting and the absence of technical restrictions on working in different browsers and operating systems. Which online bank will be most effective for him?

The best online banks for trade and service enterprises

These are small companies leading retail trade goods and services for individuals. They use the payroll project and acquiring, issue corporate cards, use loans and deposits, and manage access to the service. Can keep accounts using the simplified tax system or OSNO. Which online bank will be most effective for them?

Efficiency rating of Internet banks for companies leading foreign trade activities

The company is engaged in both import and export. Buys goods wholesale abroad and sells them to legal entities in Russia. Conducts foreign exchange transactions and undergoes foreign exchange control, places free money on deposit. Accounting on OSNO. Which online bank will be most effective for her?

*) Final assessment of the effectiveness of the Internet bank on a scale from 0 to 100 points.

Conclusions: which online bank is more convenient for individual entrepreneurs and LLCs

The best online banks for small businesses - Tochka Bank, Modulbank, DeloBank, Tinkoff Bank and Vesta Bank - are distinguished by their powerful work in service development. They are all for last year significantly expanded functionality, especially in terms of integration with non-banking services useful to entrepreneurs. In addition, many banks have introduced technological innovations - for example, Open API and signing a payment from Internet banking with a fingerprint in a mobile application.

The effectiveness of Internet banking for a trade and service enterprise is inextricably linked with the availability detailed information and statistics on various types acquiring, the ability to fully manage deposits, loans and salary projects (automation of work with registers using 1C DirectBank technology is of great importance here).

The best online banks for companies engaged in foreign trade activities are distinguished by the ease of working with incoming payments (in particular, noticeable notifications of receipts) and with outgoing foreign currency payments (you can attach a justification in the payment form). However, even the leaders still have a lot of work to do: for example, introducing tracking and search for missing currency payments, as well as a service for issuing invoices to non-resident counterparties.

Source and research methodology: markswebb.ru

The information is provided for informational purposes only. These ratings cannot serve as a direct indication of the choice of any organization for opening and maintaining a current account.

• 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;

Most reliable bank 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 for an 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 free service during the first months and independently determine the range of services in the 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 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.

7 Russian banks for opening a current account for individual entrepreneurs: Sberbank, Avangard, Vozrozhdenie Modulbank and others.

The Moneymaker Factory portal offers you an overview of “Where is the best place to open a current account for an individual entrepreneur.” It is based on the personal interest of the author, who studied the conditions of several banks in order to choose the most inexpensive and optimally functional option for himself. Next, the narration will be in the first person.

We set the conditions:

• I need to open a current account for individual entrepreneurs with the cheapest level of service, since my income is still small;
• I will receive transfers from legal entities and individuals;
• I will pay taxes and contributions to the Pension Fund, as well as transfer funds to a personal card 5-6 times a month for payments in stores and other points of sale;
• my individual entrepreneur is on the simplified tax system of 6%.

An additional advantage will be convenient services, which will help you “not bother” with monthly accounting.

At the end, I will summarize the results with a comparative analysis of the costs of registering an account for an individual entrepreneur.

So, let's begin.

Sberbank

An account is opened in 5 minutes remotely. Once a reservation is made, payments can be received immediately. True, they will be carried out only at the moment of opening, but the fact itself is very captivating. Within a month, the client must provide the following documents:

• passport;
• registration certificate;
• tax registration document;
• extract from the Unified State Register of Individual Entrepreneurs;
• card with sample signatures and seal imprint;
• documents on the powers of the persons indicated in the card;
• passports of authorized persons;
• licenses, patents (if available).

The list of documents in other banks is not much different, so I will no longer indicate it. More accurate information can be found on the website of a specific credit institution.

If all documents are in order, an account is opened and you can use it. Before opening, you need to select a package within which the service will be provided. There are standard rates, but they are more expensive.

The “Minimum” package includes: account maintenance, use of remote banking and free 5 payments per month. Monthly cost - 1700 rubles. There is a separate fee for opening - 3,000 rubles and servicing the linked card. It’s cheaper than opening without a package, but when compared with other banks, it’s not cheap at all. The advantage of Sberbank is that it offers a huge selection of related services, but a beginner entrepreneur does not need them. They are not included in the package, which means they are paid separately.

Bank "Avangard"

This bank offers simple and understandable conditions for cash settlement services. The main thing is to carefully read the tariffs, where it is written that when opening a current account by submitting an online application, the cost of the operation is 1000 rubles, and when registering offline - 3000 rubles. Maintenance - 900 rubles per month. Avangard does not have package offers. One tariff for everyone. It includes connecting to Internet banking, a salary project, and an unlimited number of intrabank payments. External payments will cost 30 rubles per transaction. You can link a Cash Card to your current account, which will allow you to use your account through an ATM. Service in the office is provided upon prior request. Please note that this card is not intended for payments at retail outlets.

The opening procedure is standard, as is the package of documents provided. To keep the cost of opening to a minimum, you need to fill out an online application, upload scans of the required documents, and then contact the office with the originals to complete the operation.

Bank "Revival"

For new individual entrepreneurs, the bank’s “Starter” tariff plan is best suited. In it, opening via the Internet will be absolutely free. Maintenance costs 600 rubles per month. The cost of one Internet payment at this tariff is the highest in the bank - 40 rubles per 1 piece. The opening procedure involves an online application to reserve an account number, uploading scans and then contacting the bank office. All this can be done within one day. The tariff includes free options: online banking service, issuance of a checkbook, certification of documents and transaction passport. Maintaining a linked card will cost 200 rubles.

Free account opening is valid as part of the “Easy Transition” promotion. It will work until December 31, 2017. Therefore, those who want to save money and use Vozrozhdenie Bank need to hurry up.

There is very little information on the bank's website about tariffs for related operations. Apparently, you will have to contact the office directly for it or call bank specialists.

Raiffeisen-Bank

Bank with foreign capital usually provides fairly loyal terms of service in many areas. Let's see what he can offer the young IP. Raiffeisen has several tariff plans. The Start package will suit me. Its price when paid for 1 month is 990 rubles. But if you pay for 1 or 2 years at once, the cost will be lower - 743 rubles per month. This amount includes the opening, maintenance of an account and Internet service “ELBRUS”-Internet, opening of a “Business 24/7” card - “Basic”. Card maintenance costs 90 rubles per month. Mobile banking will cost 190 rubles. The cost of one payment is 25 rubles.

To reserve a room, you need to submit a request through the website. The manager will call you back and discuss the time of the meeting with the employee to sign the documents. The employee will arrive at the specified location within the city where the bank office is located. At first glance, Raiffeisen’s pricing policy is quite loyal, but here you need to study in depth the tariffs for the necessary individual entrepreneur operations.

VTB 24

The bank is large and one of the top five, but cash settlement services for individual entrepreneurs are not very comfortable here. Firstly, the prices for opening an account are off the charts - 2500. Even if we take the minimum package tariff, which provides a 50% discount, it turns out that I will pay 1250 for opening, 250 for connecting to an Internet service and 1000 for a package of documents, and even I will pay a subscription fee of 1100 for the first month. The huge and clumsy mechanism of this bank still lags behind new trends and does not offer online account booking. Everything will have to be done in person at the office. Internet banking is not connected remotely, but is installed on my computer, for which I must sign a “Certificate of Completion”.

Module-Bank

A young bank working exclusively with small and medium-sized businesses. All operations and processes in it are “tailored” to remotely servicing enterprises. He has a lot additional services, which make life easier, which I really appreciate. Let's look at its tariffs. The “Starter” tariff suits me. In it, opening, maintaining an account and Internet banking for 1 person are absolutely free. But 1 payment costs as much as 90 rubles. There is also a 1.5% charge for cash withdrawals from any amount.

Here I can afford a more expensive tariff - “Optimal”. The monthly fee is only 450 rubles, but there are additional options and goodies. The current account number is reserved remotely after submitting an application and uploading documents. To sign the agreement, you will have to come to the bank’s office or call an employee. I was a little confused by the requirement in the list of documents for recommendations from other Modul-Bank clients. And also, keep this in mind. The free mode may change in a year and become quite unprofitable, since the bank attracts customers in this way.

Bank opening"

Quite a popular bank with a standard set of options when opening a current account for individual entrepreneurs. The operation itself costs 1300, management will cost another 750 if available remote maintenance. If there is none, then the cost of maintaining it increases to 1700. The price of one payment order in online banking will be 27-30 rubles, depending on the type “external-internal”. Issue of a CACHE card costs 200 rubles, maintenance - 1500 per year (125 rubles per month). The registration procedure begins with an application on the website. When filling it out, you must tick the “Account reservation” box. After sending, the current account number will be sent to the specified e-mail, which can already be indicated in the documents. To complete the operation, you need to contact the bank with a package of documents within 2 weeks.

Comparative analysis and results

So, I virtually visited 7 banks that offer the service of opening an account for individual entrepreneurs. What happened? Where is the best place to open a current account for an individual entrepreneur?

Technically, the opening conditions are not much different. Everywhere the algorithm is the same:

1. Application on the website.
2. Room reservation.
3. Providing documents to the office or visiting a specialist.

The list of documents is also approximately the same (it is described in the Sberbank review).

Price. This is where it gets more interesting. I made a table with the results minimum price opening an account and servicing it.

It turns out that the most expensive service is in the most “people's” bank - Sberbank. In sixth place is VTB24, in fifth place is Otkritie Bank, provided that you do not issue a card. Next comes “Vanguard”, and the top three look like this:

• 3rd place - Raiffeisen Bank;
• 2nd place - Vozrozhdenie Bank;
• The winner is “Module-Bank” with absolutely free account opening at the “Start” tariff.

Before contacting a particular bank, Moneymaker Factory advises you to double-check the validity of the specified conditions. They tend to change several times a year.

After writing this review, we found special offer 1C and Tinkoff Bank for aspiring entrepreneurs with free opening current account and free service for the first 3 months.

Tinkoff is good and modern bank. Therefore, if anyone is interested, we recommend testing it for 7 months for new entrepreneurs and up to 3 months for everyone else for free. And we will soon add it to the review and, as it seems to us, it will become a leader.

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

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

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

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

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

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

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

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

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

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

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

Why open a PC and is it possible without it?

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

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

RS provides the following advantages:

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

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

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

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

No. 1: Sberbank

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

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

Tariffs from Sberbank.

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

No. 2: VTB

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

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

Tariffs from VTB.

No. 3: FC Otkritie “Open bank”

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

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

Open Bank offer.

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

No. 4: Alfa Bank

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

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

Alfa-Bank tariffs.

#5: Vanguard

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

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

Offer from Vanguard.

#6: Revival

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

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

Bank "Revival.

No. 7: Point

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

Bank point and proposal for opening accounts.

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

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

No. 8: Binbank

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

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

Conditions for maintaining accounts in B&N Bank.

No. 9: Raiffeisen

Raiffeisen has foreign capital in its assets. During the entire period of work, he distinguished himself with a loyal attitude and advantageous offers for your clients.

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

Withdrawal: 1%.

Raiffeisen Bank tariffs for individual entrepreneurs and LLCs.

No. 10: Tinkoff And in conclusion I would like to note Tinkoff bank

. This is a modern solution on the market and in their advertising they offer extremely interesting ideas.

• Tinkoff stands out with a whole host of interesting ideas:
• No turnover - no payment;
• up to 78,000 rubles for advertising;
• Up to 2 months for nothing;
• Built-in accounting in your personal account (calculates taxes and prepares a declaration);
• cashback up to 30%;
• Mobile applications;

Profitable acquiring.

Offer from Tinkoff Bank. Where to open a current account for individual entrepreneurs and LLCs: 4 free accounts in banks

+ comparison table The RS does not exist for absolutely nothing. But “Tochka” offers 2 months trial + 3 free

upon payment. We recommend taking a closer look if you have very little money in business to start. To determine where a current account for individual entrepreneurs is more profitable, we compare the characteristics of competitors in the table. ().

Images are clickable

• Abbreviations:
• ind. - individually;
• n/a - no data;
• 5-1 - from 0.5% to 1% inclusive;

External payment becomes paid after the free limit expires.

• If you study all the reviews in more detail, the main indignation of customers are:
• unexpected commissions;
• queues;
• misinformation;
• human factor (incorrect completion of documents).

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

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

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

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

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

No. 1.

Don’t be fooled by advertising and read contracts in detail

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

No. 2.

Don't trust just reviews

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

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

No. 4.

Current account and cash management services

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

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

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

Conclusion + Video

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

If you want to purchase goods, you don’t have this opportunity, that’s why PROMSVYAZBANK decided. YOU UNDERSTAND. Now the bank decides how much you should sell and how much you should buy!!! A client calls you...

THIEVES AND FRAUDSTERS who deceive individual entrepreneurs. Guys, be very CAREFUL with them!!! Under the pretext of opening an account, they offer you everything beautifully, and then they say that you have a limit of up to 3,000,000 rubles for transferring funds...

How to choose the best services Despite the fact that for reference entrepreneurial activity opening a current account is not prerequisite , it’s unlikely that you’ll be able to work without it. Any business involves settlements with clients and partners, and legislation imposes serious restrictions on cash transactions. Use personal cards

and business accounts are illegal. Counting is easy Account in the bank, but it is precisely this that allows you to carry out a lot of operations with in cash , this is the so-called RKO - settlement- cash service

, and also opens access to specific bank services.

• Therefore, the following factors may influence your choice: Scroll banking services . For example, almost any business requires certain investments at the start. The bank can ensure their availability at the expense of borrowed money
• . Therefore, the conditions and availability of credit may become a key factor in the choice.
• Geography of presence. Even the largest banks from the top 10 do not have branches in all localities. Requirements for clients. For example, some credit organizations
• do not work with IP.

Cash settlement tariffs for legal entities

You cannot compare only the cost of opening a current account in banks. This is a one-time payment that can be ignored in most cases. The key indicator is the totality of all expenses that an enterprise may incur or individual entrepreneur during the service process. Namely:

• Monthly commission for servicing the account and accessing it using the remote maintenance system.
• The amount of fees for all transfers and other transactions. For example, in favor of individuals for payment wages, in favor of partners for settlements under supply contracts, cash withdrawals and deposits at cash desks, self-service devices, etc.
• Prompt information on services and account status.

You can add or subtract commissions and interest for additional services to the final cost:

• lending;
• deposits (work in plus);
• acquiring;
• and so on.

The process of such calculation requires a lot of time to study tariffs and the nuances of their application. RKO tariffs for LLCs and individual entrepreneurs may differ and may depend on the region, as well as on other factors.

Or you can simply use our calculator. We will calculate everything for you. All you have to do is compare and choose.

Which bank is better to open an individual entrepreneur's current account?

Favorable tariffs for cash settlement services for entrepreneurs are not always the decisive factor. The quality of service and technical capabilities of the bank are no less important. For example, in some credit institutions, opening a bank account may take several days or even weeks and require more than one office visit. And some banks can do everything in one, maximum two days, and accept and sign documents even without visiting a branch.

Such high-tech banks with customer-oriented service include, for example, the following:

• Tinkoff Bank;
• Modulbank;
• Tochka (generally positions itself as a multi-bank service);
• DeloBank;
• Sphere;
• Vesta (relevant only for Moscow).

They focus primarily on remote servicing.

If you have a micro-enterprise and every penny counts, then it is better to open an account at a rate with free service. These provide, for example:

• Sberbank;
• Alfa Bank;
• Opening;
• Dot;
• Modulbank;
• Loko-Bank;
• Promsvyazbank;
• Sovcombank;
• DeloBank.

Where is the best place to open an LLC current account?

Sometimes a limited liability company can be managed by one individual, who will also be the only employee. Therefore, such an organization is not much different from the same individual entrepreneur. But such situations are rather rare.

The LLC form of ownership opens up much great opportunities for business, so it is traditionally chosen for creating companies with good turnover. And if individual entrepreneurs, like individuals, are guaranteed deposits by the Deposit Insurance Agency, then a legal entity is not insured by anyone.

Hence the simple conclusion - you need to choose a bank primarily based on its performance indicators, by which you can be convinced of its high reliability.

Select a tariff for cash management services legal entities will be a little more difficult than for the same individual entrepreneurs, since a larger volume of basic and additional services. The bank must provide their maximum set.

These criteria can easily include credit institutions from the top 10 by revenue and/or capital. For example:

• Sberbank,
• Alfa Bank,
• Opening,
• Gazprombank,
• Rosselkhozbank,
• Promsvyazbank.

To ensure that the comparison of banks is not limited only to their tariffs, we have collected a lot of information about each of them, for example: key performance indicators, technical capabilities, reviews from real clients, geographic presence, range of services and documents required for submitting an application.