There are three basic criteria for choosing a tariff:

• The number of free payments and the cost of paid ones.
• The cost of maintaining an open account per year or month. It is also worth considering the costs of maintaining an account that remains inactive for a long time. This is important for those companies that rarely use the services of banks.
• Tariffs for withdrawal or replenishment of the account in cash.

Other indicators also play an important role, but they are mainly important only in individual cases, so it is worth relying on them only when the company has a clear understanding of future activities in which these parameters play an important role.

Tariff Overview

To choose a favorable tariff with good conditions, you need to look at the offers of all banks, which is almost impossible. This rating table of the most simple RKO tariffs(settlement and cash services) TOP-10 Russian banks:

№	Bank	Service / Opening (rub)	Free payments	Cash deposit	Cash withdrawal	Translations (free)
1	Sberbank	For free	3	0,15%	3%	Up to 150000r.
2	Opening	For free	3	0.3%+200 rub.	3,5%	Up to 150000r.
3	UralSib	For free	3	0,15%	2%	Up to 150000r.
4	Dot	For free	Everything is free	1%	Free	Free
5	Rosbank	For free	3	0,15%	1,5%	Up to 150000r.
6	Promsvyaz	For free	3	For free	3%	Up to 150000r.
7	Tinkoff	For free	49r/1pc.	0,15%	1.5%+99r	1.5%+99r
8	Oriental	490/month	5	For free	1,2%	25r
9	Alfa Bank	490/month	3	For free	3%	Up to 150000r
10	Ural	4200 (once)	Everything is free	0,05%	Free	Free

Keep in mind that some offers regularly offer discounts. Thus, free service can only be for a limited time. For example:

• Bank opening". At the time of this writing, account maintenance was free only for the first 5 months, after which you will have to pay 590 rubles / month.
• UralSib. This service package remains free for 3 months only. Further payment - 480r / month.
• Tinkoff. Only six months free. Further on 490r/month.
• Ural Bank. Free for 3 months. Then you have to pay.
• RosBank. Free for 2 months. Further on 590r/month.

Absolutely free rates have:

• Sberbank.
• Dots.
• Promsvyazbank.

Focusing on the presented tariffs and figures, any legal entities, whether they are large LLCs, small firms or even individual entrepreneurs, can choose exactly the type of tariff that is optimal for the current business option.

The above rates refer to the lowest price range. However, the same banks have offers not only for small businesses, but also for medium and large companies.

Mid-level tariffs:

№	Bank	Service / Opening (rub)	Free payments	Cash deposit	Cash withdrawal	Translations (free)
1	Sberbank	490/month	5	0,3%	1,4%	Up to 150000r.
2	Opening	For free. After 5 months – 1290/month	10	0,25%	3%	Up to 150000r.
3	UralSib	For free. After 3 months – 1200/month	5	0,12%	1,3%	Up to 150000r.
4	Dot	500/month	10	0,2%	1,5%	Free
5	Rosbank	For free. After 2 months – 990/month	12	0,15%	1,5%	Up to 150000r.
6	Promsvyaz	For free. After 3 months – 333/month	5	0,25%	1%	Up to 75000r.
7	Tinkoff	For free. After 2 months – 1990/month	Up to 29r / payment	For free	1%+79r.	1%+79r.
8	Oriental	1290/month	16r / payment	0,15%	1,2%	25 rub.
9	Alfa Bank	1440/month	16r / payment	0,18%	1%	Up to 100000r
10	Ural	4200	Everything is free	0,05%	-	-

High level tariffs:

№	Bank	Service / Opening (rub)	Free payments	Cash deposit	Cash withdrawal	Translations (free)
1	Sberbank	990/month	10	0,15%	1,4%	Up to 150000r.
2	Opening	For free. After 5 months – 5990/month	Everything is free	0,16%	2%	Up to 150000r.
3	UralSib	2400/month	20	0,12%	1,3%	Up to 150000r.
4	Dot	500/month for 3 months. Further on 2500r.	100	0.2% after 1 million.	Free	Free
5	Rosbank	For free. After 2 months – 1590/month	30	0,15%	1,5%	Up to 150000r.
6	Promsvyaz	For free. After 3 months – 1267/month	19 rub / payment	0,25%	1,4%	Up to 75000r.
7	Tinkoff	For free. After 2 months – 4990/month	Up to 19r / payment	For free	1%+59r.	1%+59r.
8	Oriental	1890/month	20	Up to 300 thousand - free	Up to 30 thousand - free	25 rub.
9	Alfa Bank	3200/month	30	For free	Up to 150 thousand - free	Up to 100000r
10	Ural	900/month	27r / payment	0,05%	-	-

Which tariff to choose?

Tariff selection depends on how the company will work:

1. Maximum free payments required: we pay attention to the offers of banks: Otkritie, Tochka and Uralsky.

2. You need to replenish your account often with cash: the best options are Tinkoff and Alfa-Bank.

3. Free service required: Sberbank, Promsvyazbank and Tochka.

4. Often need to withdraw money: Point and East Bank.

In general, in almost all respects, depending on the size of the company and its needs, Tochka Bank will be the best offer. However, other options cannot be immediately dismissed, since some services may be more interesting in other banks.

Recently, many banks are reluctant to open accounts for new customers. Often, the formal reason for refusal is the legal address. The fact is that credit institutions, under pressure from the “recommendations” of the Central Bank, have tightened the requirements for verifying information about a legal entity when opening an account. And since new firms have nothing special to check, it was the legal address that received especially close attention. It is this requisite, according to the tax service and other inspection bodies, that may contain an indication of the company's involvement in the so-called ephemeral. Bulk registration addresses are compromised, and their use can lead to negative consequences. One of them is the refusal of the bank to accept the organization for settlement and cash services.

However, as we have learned, there are banks in Moscow that are more loyal to the mass nature of legal addresses. According to unofficial information that we received from our colleagues - employees of law firms, some Moscow banks open settlement accounts for firms on the same day without any verification of the legal address, including without field checks. Therefore, we had a question: so which banks are the most loyal? We tried to compile a national rating of friendly banks.

Lanta Bank

Opening an account within 20-30 minutes without an on-site check, there is a “bank-client”, an operating day until 17:00, accounts in rubles and foreign currency, 6 branches in Moscow, there are branches in other cities, a corporate card is provided.

It usually takes 2-3 days to open an account, but it can take up to three hours for an additional payment of approx. 3,000 rubles, you can apply by proxy, no lease agreement is required, a bank employee can certify a card with signatures.

RosEvroBank

There are 12 bank branches in Moscow, many branches in other Russian cities, there is a "Bank-client" system, support (call center). When opening an account, documents confirming the location of the company at the legal or actual address are not requested, and field verification is not carried out. Corporate cards, own ATMs.

Interregional postal bank

A bank employee can certify a card with signatures. Opening a current account is quick, there is no on-site verification, but it is necessary to provide an information letter about the actual address of the location of the sole executive body of the LLC and a lease (sublease) agreement for the right to use the legal address, as well as a certificate of ownership of the premises specified in the agreement, certified the owner of the premises or a notary public.

A card with one signature can be certified by both a notary and a bank employee, there is a client bank, you must provide a letter in any form containing information about the presence at the legal address of the permanent management body of the company. At the same time, supporting documents are provided: contracts, agreements, certificates.

The Megapolis company has developed friendly informal relations with some banks during the practice. We assist our clients in opening an account and help to avoid problems that may arise during this simple but very important procedure.

Approximate set of documents for opening a current account

The requirements of banks for the documents required for the procedure for opening a current account may differ, since each of them has its own technology for checking client data. However, we recommend that when going to the bank, collect a package of the following documents, which will certainly not be superfluous.

• Original or notarized copy of the charter of the legal entity.
• List of shareholders (for OJSC, CJSC).
• Certificate of state registration.
• Certificate of registration with the tax authority in the Russian Federation
• Licenses (permits).
• Information letter of the state statistics body on registration in the USREO or in the Statregister of Rosstat.
• Certificate of making an entry in the Unified State Register of Legal Entities.
• An extract from the Unified State Register of Legal Entities, the date of issue of which is not more than one month before the date of submission to the bank, if during this month there have been no changes in the information presented in the extract.
• Documents confirming the powers of the sole executive body, chief accountant, representative of a legal entity, other persons signing documents (specified in the card), including:
• protocol (decision) of the authorized body on appointment;
• order on entry into office (hiring);
• power of attorney for a representative;
• documents proving the identity of the sole executive body, chief accountant, representative of a legal entity, other persons signing documents, for example, a passport of a citizen of the Russian Federation.
• Documents confirming the location of the sole executive body of a legal entity, for example:
• Certificate of ownership of real estate;
• Lease or sublease agreements, other documents confirming that the client owns (uses) the premises at the address specified in the constituent documents.
• A card with sample signatures and a seal imprint (certified by a notary public or, in some cases, by a bank employee).
• Application for opening an account (filled in the form of a bank).

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

From the article you will learn:

• Why do individual entrepreneurs and LLCs open a current account;
• How quickly and where is it better to open a current account;
• Advantages and features of having an account with a company.

It is necessary for all owners of large and small firms, individual entrepreneurs and heads of enterprises and organizations to know about the current account.

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

To learn how to open a current account for an individual entrepreneur or LLC and what documents will be needed to open a current account with a bank, read this article.

1. What is a current account and what is it for - definition and benefits

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

Checking account - this is a bank account that has a unique number assigned to the client in order to identify him, for non-cash payments in the course of business activities, paying taxes and other payments.

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

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

Benefits (+ ) of having a checking account

A company with a current account has the following advantages:

Advantage 1. Legal entity status

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

Advantage 2. Security of the company's own funds

Non-cash payments are considered the safest in comparison with cash payments. The probability of receiving counterfeit banknotes, theft, force majeure is excluded.

Advantage 3. Client solvency

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

Advantage 4. Speed ​​and convenience of operations

The possibilities of the Internet allow you to make payments online, without mandatory visits to the bank. Payments are made according to the "day to day" system. Funds are credited quickly, in the system of one bank without commissions and additional payments.

Advantage 5. Mobile payments

You can make payments from anywhere with an internet connection.

Advantage 6. Cash flow control

Implementation of timely control over the receipt of funds from counterparties. Online you can always check the receipts to the current account.

With the help of a current account, the company gets the opportunity to settle accounts with suppliers, receive money from buyers, pay taxes, withdraw cash under the report, for wages, households. needs, travel and other expenses, receive and repay loans, and so on.

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

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

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

Standard bank requirements for documents when opening a current account:

• Constituent documents of the organization: Charter, decision on the establishment of an enterprise (minutes of decision, if there are several founders), memorandum of association.
• Appointment orders director, chief accountant (if necessary).
• Persons' passports who will have the right of first and second signatures in the bank.
• Extract from the Unified State Register of Legal Entities or EGRIP made for a period not exceeding 3 months.
• Certificates of presence/absence of debt on taxes and fees.
• When documents are submitted by an authorized person, documents confirming his authority.
• Seal(in the presence of).

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

The bank fills out a card with sample signatures. It is necessary to be very careful when putting your signature sample, all transactions on the account will be carried out on it in the future, and if the signature seems different from the original to the teller, the documents can be returned without execution.

In order to transfer funds to a current account, it is not enough to know only its number. The bank details of the account are required, which are indicated in the bank account agreement concluded between client And bank.

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

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

For example : SP signed a contract for the supply of materials in the amount of 500 thousand rubles. Payment can only be made by bank transfer, and the entrepreneur will be required to open a bank account.

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

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

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

An account may be arrested or filed in the following cases:

• Late payments to the budget.
• Delays in filing income tax returns.
• The lawsuit of the judiciary.

You can close an account in the following cases:

• The decision of the authorized person.
• Liquidation or .
• Bankruptcy.
• The decision of the judiciary.

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

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

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

Having registered a company, it is necessary to decide on the bank in which the current account will be opened.

Consider the main criteria when choosing a bank to open a current account.

Criterion 1. Stability of the credit institution

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

Need to remember , that the balance of funds on the current account in the bank is not insured by anyone (unlike deposits of individuals), in the event of a bank failure, the company can wait a long time for the return of funds.

Criterion 2. Tariff scale and commissions (service cost)

The second most important selection criterion is the tariff plan used to open and maintain an account. The difference in tariffs in different banks can be very essential regardless of the level of services provided. Therefore, you need to choose the right tariff plan.

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

The article below will present the optimal tariffs in stable and reliable banks.

Criterion 3. Availability of Internet banking

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

Important to know the opinion of bank customers about the existing Internet banking, as the system may not be worked out and inconvenient to use.

Criterion 4. Interest accrual on account balance

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

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

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

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

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

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

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

1) Tinkoff bank

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

The bank has two tariff plans: Simple, Advanced.

Tariffs for opening and maintaining a current account in Tinkoff Bank:

The opening time will take only a few minutes, the account can be used immediately. The bank has long business day– from 7.00 to 21.00

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

2) Modulbank

The bank module offers a free tariff plan for small businesses, has a convenient mobile application. According to management, current account balances are insured for up to RUB 1.4 million. The disadvantages of the bank include an unbranched branch network, since the bank is still young, it does not have full customer confidence.

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

Tariffs for servicing and opening a current account with Modulbank:

Monthly maintenance	According to tariffs from 490 rubles. starter pack for free.
Internet bank Mobile bank SMS alerts	+ free For free For free
Payment cost	According to the unlimited plan for free, for others from 19 rubles.
Funds transfers to cards	Up to 0.5%
Cash withdrawal	Under the optimal and unlimited plans for free, for the starting 1.5%
Interest on balance	Up to 5% per annum, depending on turnover and tariff plan.

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

The disadvantages of the bank include a small branch network, since the bank is still young, it does not have full customer confidence.

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

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

There are 5 service plans:

1. Business Package 3 - All Inclusive 3 months;
2. Business Package 6 – All Inclusive 6 months;
3. Business Package 12 - All Inclusive 12 months;
4. Online - real time mode;
5. “Everything is simple” – payment only for transactions on the account.

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

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

The bank opens an account within one day. Operating day standard– from 9.00 to 18.30.

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

4) Bank Point (Opening)

Bank Tochka offers convenient terms of service for customers, makes transfers in the bank's system around the clock. Tariffs may be different in different regions of the bank's presence. The Moscow representative offices of the bank have the most expensive tariffs. Offers services of Internet acquiring, mobile acquiring, carries out transfers with verification of the counterparty. The disadvantages include an insufficient number of offices and representative offices.

The bank has 3 service tariff plans:

1. Low cost;
2. Economy;
3. Business.

Tariffs for opening and servicing a current account with Tochka (Opening) bank:

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

The Bank offers services of Internet acquiring, mobile acquiring, performs transfers with verification of the counterparty. What is mobile, trading and, we wrote in the last material.

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

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

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

1) Sberbank

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

Only "Important" (VIP) clients of the bank with good turnovers on the current account, using various banking products, can count on preferential terms. As a bonus, Sberbank offers the opening of a second and subsequent current accounts in the mode online without visiting the bank and submitting additional documents.

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

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

Tariffs for opening a current account and its maintenance for individual entrepreneurs and LLCs in Sberbank:

The bank does not differ in the speed of service; it will take from one day to several days to open an account. Working hours with clients– from 09.30 to 20.00.

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

2) Alfabank

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

Clients note a rather high tariff plan and tight control over the operations performed by clients.

Tariffs for opening and servicing a current account with Alfabank:

The time to open an account with Alfa Bank will take from 3 days. Operating day length standard - from 09.00 to 19.30.

3) Vanguard Bank

Avangard Bank offers not the best service conditions.

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

The bank offers the following tariff plans:

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

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

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

4) Raiffeisen Bank

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

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

1. Start;
2. Base.

Tariffs for opening and maintaining a current account with Raiffeisen Bank:

It will take 1 day to open a bank account. It has very short business day- from 09.00 to 17.00, which is a very inconvenient moment for customers.

The bank offers average-priced tariffs, with the Start tariff, Internet banking is paid. Customers note the fact of an attempt to impose additional services in the bank

4.3. Summary table of tariffs for opening and maintaining a bank account

It is necessary to choose a bank according to individual needs, choosing progressive technology companies.

The table below shows a summary of the main parameters to get a complete picture of the rates for popular banks.

The cost of opening and maintaining a bank account

Name of the bank	Opening a current account	Maintaining a current account	Internet banking	Payment cost	Interest on the balance
Tinkoff	For free	2 months free, then from 500 rubles.	For free	From 30 rubles, unlimited 990 rubles / month	Up to 8% per annum
Modulbank	For free	From 0 to 3 thousand rubles.	For free	From 0 to 90 rubles.	From 3 to 5% per annum
UBRD	For free	From 300 rub.	For free	From 25 rub.	No
Dot(Opening)	For free	From 500 rubles to 7.5 thousand rubles.	For free	From 0 to 50 rubles.	Up to 8% per annum
Sberbank	From 1.5 thousand rubles.	From 1.5 thousand rubles.	Included in service cost	100 rubles from the payment.	No
Alfa Bank	For free	From 850 rub.	990 rub. for connection	From 25 rub. from payment.	No
Vanguard	From 1 thousand rubles.	900 rub.	For free	From 25 rub. from payment.	No
Raiffeisen bank	Included in the tariff	From 1.5 thousand rubles.	2.5 thousand rubles for connection	From 15 rub. from payment.	No

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

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

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

If an LLC or an individual entrepreneur will receive more than 1 million rubles per month , it is better to stop your choice at Sberbank, Alfabank, Avangard Bank, UBRD Bank. They offer customized maintenance programs and are stable and reliable.

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

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

Opening an account is a prerequisite for work for legal entities and desirable for individual entrepreneurs. If an individual entrepreneur plans to develop his activities, the account will be needed for payment of taxes, settlements with suppliers and so on.

So, let's look at the step-by-step procedure for opening a current account.

Step 1. Choosing a bank (credit institution)

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

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

Other banks offer departure of a specialist to the customer's office, where the account will be opened on the spot, without visiting the bank.

Step 2. Selecting a tariff plan

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

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

Step 3. Paperwork

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

It is also necessary to sign documents for additional services.

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

Step 4. Setting up additional services

After signing the documents, Internet banking or client banking, mobile banking, acquiring, and so on are set up.

And what it is for, read in our last publication.

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

6. How to find out the current account of the organization - 4 easy ways

Consider some simple ways to determine the current account of the organization.

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

If you want to know the account number of a third-party organization to which you are going to transfer funds, then you can also see it at the end of the contract.

You can find out the current account of the organization (IP) by the details at the end of the contract

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

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

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

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

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

Details include:

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

When specifying erroneous details, the funds usually “freeze” at the bank, and wait for confirmation for crediting. The customer must notify the credit institution in writing of the exact details of the payment.

7. Frequently Asked Questions (FAQ)

Consider some of the questions entrepreneurs often ask when registering their business.

Question 1. Where is the best place to open a business account?

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

Key points to consider when choosing a bank:

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

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:

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

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

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

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

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

Through 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.

Bank	Alfa Bank	Tinkoff	Dot	Modulbank	Sberbank	VTB	Opening	Raiffeisen
Monthly maintenance	490	408	750	490	0	900*	492	990
	100	98	0	95	200	0	158	125
	0	0	0	0	0	0	0	125
	0	0 + 99**	0	76 (4 x 19)	44 + 62,5***	0	0 + 99****	100
	590	0	0	0	500	0	0	500
	1180	605	750	661	806,5	0	749	1840
Total for the year	7670	7260	9000	7932	4.178	10800	8988	16580

* - 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:

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

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

From the table it becomes obvious that this time Modulbank is the leader. However, this approach to 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.

Hello dear readers! Entrepreneur and author of the SlonoDrom.Ru resource Igor Eremenko is in touch. Today we will talk about where it is more profitable to open a current account for an individual entrepreneur or LLC in 2019.

A few years ago, when opening an individual entrepreneur for the first time, I faced the question: in which bank should I open a current account. If you have already opened or are just planning or, then most likely you also asked yourself this question.

In this article, I will present to your attention a detailed overview of the tariffs of reliable banks for opening and maintaining a current account.

After reading the article, you will learn:

1. What are the important criteria that banks need to present when opening a current account?
2. What commissions and tariffs are set for banking service of a current account?
3. In which bank is it better to open a current account?

So, let's figure it out - which bank provides the best conditions for business owners! 🙂

1. Criteria when choosing a bank to open a current account

When choosing a bank, we will be guided by the following key criteria (the higher the criterion, the more significant it is):

1. Bank reliability
2. Service cost (tariffs and commissions)
3. Availability and functionality of Internet banking
4. Opening cost
5. Interest on balance

I. Reliability of the bank is one of the important criteria to be taken into account. Since the funds of legal entities in bank accounts are not insured, in the event of a bank failure, you can irretrievably lose all the money. Recently, it is not uncommon for the Central Bank to withdraw licenses from commercial banks.

Important!
One of my friends lost more than 3 million rubles in one of the banks as a result of its bankruptcy. Neither the state nor the bank returned the money.

II. Maintenance cost- includes commissions, monthly and additional payments for servicing a current account. One of the important criteria along with the reliability of the bank.

Personal experience:
When opening a current account for the first time, I noticed that for most banks the functionality of the account is practically the same, but the price for services differs several times. Therefore, it does not make sense to overpay for servicing a current account (especially when the business is not yet making money)!

III. Availability and functionality of Internet banking. Since in modern times any payment transaction can be carried out via the Internet without visiting the bank and waiting in lines, the presence of Internet banking is a very important addition to the current account.

The functionality of Internet banking is just as important, so that it is clear and easy to use.

IV. Opening cost This is a one-time payment for opening a bank account. On average, the cost of opening a current account ranges from 500 to 2,000 rubles. Some banks do not take money at all for opening a bank account. Not the most important criterion, but it is also worth considering.

v. Interest on balance is the monthly accrued amount on the balance of the account according to the current interest rate. A good addition to a checking account so that your money always works.

Even 2-8% per annum can provide a good additional income!

2. In which bank is it better to open a current account for an individual entrepreneur or LLC in 2019: TOP 8 banks - an overview of tariffs

For all tariff plans.

For free: mobile and internet banking, SMS info, payroll and corporate cards.

The operating day is almost a day: from 1 am to 8 pm Moscow time.

A current account is opened online in 3 minutes, all the necessary documents will be brought to your home or office free of charge.

+ there is a built-in free bookkeeping!

Eat. Great.

One of the best Internet banks in Russia. Clear and simple interface. Fast transaction processing. Completely free. Additional partner bonuses are provided: for advertising, online accounting, corporate communications ...

IV. Opening cost. For free.

V. Interest on balance. Eat. High.

Tariff "Simple" - up to 4% on the balance. Tariff "Advanced" and "Professional" up to 6% on the balance.

You can go to the bank's website and find out all the advantages of a current account

2. Modulbank

is a medium-sized bank that works exclusively with small businesses. Differs in good terms of service of settlement accounts.

I. Reliability — 4 out of 5 points. Above average.

The bank has been in existence since 1992. stable bank. Since 2016, he has been working only with small businesses. Commercial bank, without the participation of state capital. Sovcombank owns 24% of the shares.

I I. Cost of service. Low.

There are 3 rates to choose from:

1. Starter - 0 rub.
- Free payments are not provided. Carrying out 1 payment transaction will cost 90 rubles.
— There is a commission for withdrawing funds depending on the amount of withdrawal: 1% (up to 100 thousand rubles), 3% (from 100,001 to 300,000 rubles), etc. Depositing funds at the offices and ATMs of Modulbank is free of charge, through other banks - according to the commission of a third-party bank.
- Transfer to cards / accounts of individuals - 90 rubles.
— One free corporate card.

2. Optimal - 490 rubles.
- Making 1 payment will cost 19 rubles.
- When withdrawing cash up to 50,000 rubles / month. no commission, up to 300,000 - 1% commission, up to 500,000 - 3% commission, etc. Depositing money to a current account in offices and ATMs of Modulbank is free of charge, commissions of a third-party bank are charged through other banks and ATMs.
- Transfer to cards / accounts of individuals - 19 rubles.
— Corporate cards — 2 free.

3. Unlimited - 3,000 rubles.
— Unlimited number of non-cash payments.
- No commission is charged for withdrawals up to 100,000, up to 500,000 - 1% commission, up to 1 million rubles - 5% commission, over 20%. There is also no commission for depositing funds, provided that the replenishment is made at the offices and terminals of Modulbank and its partners.
— Free transfers to cards/accounts of individuals.
— 5 free corporate cards.

For all tariff plans.

Free Internet bank,mobile bank, sms notification.

Operating day: from 9 to 20:30. Payments are credited in 10 minutes.

It is also possible to open a current account via the Internet and immediately get its number. The contract will be delivered to you at any convenient time.

III. Availability and functionality e Internet banking. Eat. Great.

Modern, clear and simple Internet banking. One of the very best.

IV. Opening cost. For free.

V. Interest on balance. Eat. Medium.

Under the "Starting" tariff, no interest is accrued, under the "Optimal" tariff - 3% on the balance, under the "Unlimited" tariff - 5%.

You can learn more about the settlement account in ModulBank!

3. Ural Bank for Reconstruction and Development

- Another popular bank that provides the possibility of shareware maintenance of a current account.

I. Reliability — 4 out of 5 points. Above average.

The bank was founded in 1990, one of the largest banks in the Urals. Included in the TOP-50 credit institutions in Russia. Without the participation of state capital.

II. Service cost. Below average - Average.

Tariff conditions differ significantly in different cities. Basically, in large cities with a population of one million, service tariffs are much higher than in other cities of the country. At the same time, in million-plus cities there is no possibility of free service.

There are a lot of tariffs in the bank, we will consider the 2 most optimal ones.

1. Tariff "Everything is simple" - 0 rubles. (from 300 rubles/month in large cities)
- The cost of one payment is 55 rubles (without a subscription fee) and from 22 rubles. (subject to subscription).
- Cash withdrawal through UBRD ATMs - 1%, through ATMs of third-party banks - 3%. Depositing cash in some cities is free of charge, in others from 0.1%.
— 1 free corporate card.
- SMS notification - 39 rubles / month.

2. Tariff "Online" - from 350 rubles / month

— Making 1 payment costs from 19 rubles. depending on the city.
- The commission for cash withdrawal is the same: 1% at UBRD ATMs, in the rest - 3%. The commission for depositing funds into the account depends on the city, in most cases - free of charge, in the rest from 0.1%.
— One corporate card — free of charge.
— SMS informing — 39 rubles/month.

For all rates.

Free Internet banking,mobile bank (viewing operations).

Operating day: from 9 to 18:30.

An application for opening a current account can be left via the Internet, a bank specialist will come to you at a convenient time to complete the documents.

III. Availability and functionality of Internet banking. Eat. Average level.

Internet banking medium in terms of functionality.

A huge drawback is the virtual absence of a mobile bank. Through it, it is only possible to view account transactions, but in order to form a payment transaction, you will have to use the full version of the Internet bank.

IV. Opening cost. For free. In some cities and tariffs - from 700 rubles.

V. Interest on balance. No.

Interest on the balance is not charged.

1.2 Settlement account in the largest banks of Russia - TOP 5 banks

Now let's move on to a review of the well-known and largest banks in the country: Sberbank, VTB24, Alfa-Bank.

The reliability of these banks is the highest, since they are for the most part key in the Russian financial system, and their bankruptcy will mean that there are very serious problems in the entire economy. At the same time, even in conditions of a deep crisis, they will be financially supported by the state.

As you yourself have already understood, the risks of bankruptcy of such banks are extremely small. However, with regard to the cost of servicing, the price is usually an order of magnitude higher than that of second-tier banks.

1. Sberbank

4. Bank Point (Opening)

5. Conclusion

In any case, when choosing a bank, proceed from your own preferences and needs. If you have already had experience working with banks and have something to share, leave your opinion and feedback in the comments below.

Also, if you find more favorable conditions in other banks, write about it, I will definitely make a review and add it to the article.

That's all for me! I wish you successful business!