Any businessman is faced with the need to make payments to his clients, suppliers, and partners. Carrying out such transactions in cash is extremely inconvenient, and sometimes even illegal. Therefore, individual entrepreneurs must choose the most suitable bank for settlement and cash services.

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

Cash settlement services (CSS) are a range of services that allow business representatives to conduct their activities as comfortably as possible. When interacting with a bank, an entrepreneur often operates with large sums, so the selection of a suitable financial institution must be approached carefully. When conducting a search, it is necessary to evaluate a whole range of factors:

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

When searching for a bank, you should not forget about the level of security. The financial institution must guarantee the impossibility of theft/loss of funds in accounts. If there are remote banking systems, login to them should be carried out not using a simple password and login, but using SMS passwords or special keys.

Sberbank

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

Bank Point

In Tochka Bank you can open an account using any of the 3 tariffs presented for free. You won’t have to pay for its maintenance even if there is no turnover. The Economy tariff provides 3 free months of account management. The cash settlement terms in this bank are some of the most favorable; the advantages include the absence of a commission for depositing cash, the possibility of making free payments and receiving limited amounts without commission, and the accrual of interest on the balance. Users will also be pleased with convenient modern Internet banking.

Tinkoff Bank

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

Raiffeisenbank

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

Modulbank

At Modulbank, the operating day lasts from 4:00 to 20:45, which allows you to make payments almost instantly. The bank offers some of the most attractive service conditions not only for beginning entrepreneurs, but also for those who have owned their own business for a long time. A clear range of tariffs allows you to choose the appropriate option and minimize your costs while taking advantage of all the amenities provided.

VTB 24

VTB 24 has developed a wide range of tariffs for its clients, allowing them to choose suitable service conditions. Here you can make payments not only through Internet banking, but also using a mobile phone. And synchronization with 1C Accounting and “My Business” allows you to manage document flow as efficiently as possible. On the bank’s website you can select a tariff, send an online application to open or reserve an account.

URALSIB

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

Alfa Bank

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

Bank Avangard

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

Rosselkhozbank

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

Promsvyazbank

Promsvyazbank provides 7 service tariffs for small businesses with different costs for opening and maintaining an account. Beginners are offered virtually free service, while large companies are offered favorable conditions and ample opportunities. Having online banking allows you to make payments without time limits and at maximum speed. Corporate cards are available at no additional cost. The bank often runs promotions to reduce the cost of account maintenance or offers free maintenance for several months.

Rosbank

For representatives of small businesses, Rosbank offers uniform terms of service. Here you will have to pay for opening and maintaining an account, but all intrabank transfers will be free. The client gets access to Internet banking and SMS notifications and can use them without additional costs. Transfers to other banks will cost 30 and 250 rubles, respectively, when using Internet banking and paper media. For convenience, you can issue a transaction card for only 100 rubles to spend funds from your current account.

UBRD

To open an account at UBRD Bank, you need to contact the branch, but you can submit an application directly on the institution’s website. There are 4 tariffs available for clients, requiring a one-time payment from 0 to 7,500 rubles. A number of programs do not imply a subscription fee, for others it does not exceed 900 rubles per month. An undoubted advantage is the commission-free cash deposit. And you won’t have to pay for interbank payments under 2 out of 4 tariffs. The settlements themselves are made very quickly during the extended trading day.

OTP bank

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

Gazprombank

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

Bank opening

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

Vesta bank

Read also: Current account for LLC in 2019

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

Expert bank

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

SKB-Bank

Different service packages are provided for different clients. Beginners who do not make many transactions will be able to open an account and use it for free for another 3 months, paying only 59 rubles for each payment document. For other tariffs there is a certain number of free payments and favorable conditions for depositing cash. Absolutely all applicants will be able to use Internet banking without paying a commission. By paying a subscription fee for 3, 6 or 12 months at once, you can reduce the final cost by 5, 10 or 20%, respectively.

Sovcombank

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

VTB Bank of Moscow

For its clients, VTB Bank of Moscow offers 3 tariffs that are ideal for beginning entrepreneurs (“Business Start”), trade and service enterprises (“Business Development”) and companies with a large volume of payments (“Business Online”). Mobile banking and Internet banking, and connection to a salary project are provided absolutely free of charge to all users. The packages include 5, 25 and 100 free payments, respectively, and the ability to deposit cash free of charge according to established limits.

Loko-Bank

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

Binbank

Separate tariff packages are provided for different categories of B&N Bank clients. The entrepreneur makes a one-time payment every month and uses the available services within the tariff. When paying for packages for 3, 6 or 12 months at once, you can save on its cost from 5 to 10%. Opening an account and maintaining it will be free. The client can also use Internet banking without additional costs.

UniCredit Bank

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

AK Bars Bank

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

Eastern Bank

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

Russian Standard Bank

Opening an account at Russian Standard Bank is carried out for all clients under the same conditions. An employee of the institution is ready to help the entrepreneur prepare all the necessary documents and issue his details on the day of application. Mobile banking and online banking are provided free of charge. Remote operations can be performed around the clock. It is possible to issue a corporate MasterCard Business card, linking acquiring and a salary project to it. Low commissions for depositing and withdrawing funds from the account.

Credit Europe Bank

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

Renaissance

Bank Vozrozhdenie has developed an excellent range of tariffs suitable for different categories of clients. Regardless of the type of service, an account is opened free of charge. Entrepreneurs will be pleased with the relatively low cost of maintaining an account; the price of payment for large enterprises is 20 and 10 rubles, respectively, for the “Optimal” and “No Borders” tariffs. The Internet banking system is provided free of charge, the client is also served by a personal manager, and SMS notifications can be activated.

MTS Bank

MTS Bank operates successfully in the Russian market. The institution has prepared uniform conditions of service for small business representatives. Here you can reserve an account for free and make transfers remotely. The client can also apply for a corporate card, use currency control services, and connect a salary project. For business representatives, the bank has prepared a loan with lower interest rates, the money from which can be used to develop their business.

Svyaz Bank

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

Bank Zenith

New clients have the opportunity not only to open an account for free, but also to connect to all existing remote banking systems. Having convenient Internet banking allows you to carry out all operations remotely, without going to a bank branch. Customers are invited to choose one of 6 tariffs (there is a special line for beginners, importers, traders and other categories).

Bank MKB

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

RNKB

Russian National Commercial Bank has been operating on the market since 1991. One of the services provided is cash settlement services for individual entrepreneurs and legal entities. For the convenience of its clients, the bank has provided the opportunity to open a simple current account with payment for all transactions or connect to one of 5 tariffs. Each of them is suitable for a certain category of clients (start-up entrepreneurs, large companies).

Trust Bank

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

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

What is the cost of service?

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

1. Subscription fee. May be absent or free for several months after opening. Typically, the subscription fee is determined monthly, but when paying an annual cost, some banks reduce the final price.
2. Cost of using mobile banking. Additionally, the bank may charge information for SMS notifications and requests.
3. Cost of using Internet banking. Some banks charge a separate fee for access to your personal account. Large institutions provide this service free of charge. Additional costs may be associated with the installation of specialized equipment and the issuance of electronic keys.
4. Payment order price. A certain number of them can be provided free of charge as part of a package. Typically, the cost of an electronic and paper payment order is very different; the former is much cheaper.
5. Commission for cash withdrawal and account replenishment. Within the framework of different tariffs, it may be absent or greatly reduced.
6. Cost of transfers to the budget. This includes paying taxes and required insurance premiums. Almost all banks allow such transactions for free, others charge a certain percentage or a fixed fee.

When choosing a banking organization to open an account, an individual entrepreneur should pay attention to the following criteria:

• financial condition. The individual entrepreneur must be confident in the safety of his own funds that are in the accounts of the credit institution;
• the cost of cash management services. As with the choice of any other product or service, the economic factor is of decisive importance;
• quality and quantity of remote banking services. Today, a significant part of transactions is carried out using the Internet, which is convenient and beneficial for customers. It does not matter whether we are talking about an individual or an LLC;
• the number of bank branches and ATMs, as well as their location. Solving some issues requires personal presence, so the presence of an office of a financial institution near the place of work of the individual entrepreneur is a serious argument in favor of this bank;
• terms of cooperation with a credit institution. In addition to good prices for services provided, the bank can charge interest on the account balance, introduce a preferential interest rate when lending to clients and offer other profitable options for joint work.

Comparison of bank tariffs

Among the key criteria that help you choose a bank suitable for cooperation is the amount of tariffs for cash settlement services. When deciding where it is more profitable to open an account for an individual entrepreneur, you should not only compare prices for individual types of banking services, but also consider the financial component of the issue as a whole.

The most profitable and attractive commercial offers for cash settlement services include the services of the following banks:

• Sberbank. The leader of the country's banking sector opens an individual entrepreneur's current account for free. However, you will still have to pay for some related activities, for example, certification of a card with samples of signatures and seals. The cost of monthly service is 1.4 thousand rubles for a package of services "Minimum";
• Modulbank. A bank popular among entrepreneurs, which provides most of its services remotely. Opening an account is free of charge. There is also no monthly service fee, since the bank has set tariffs for each transaction, for example, a transfer to the accounts of other banks costs 90 rubles. for users of the service package Starting;
• Bank Point. Another financial organization that opens an account for individual entrepreneurs for free. At the same time, the tariff value for the monthly cash settlement package called Lowcost is only 1.25 thousand rubles. It includes several free payments and a number of other financial transactions;
• Bank Tinkoff. One of the most famous banks opens an individual entrepreneur account for free. Moreover, for the first two months there is also no charge for service, after which the cost of the cash register service is 490 rubles per month. Account balances are charged 6% per annum;
• Alfa Bank. Offers a package of banking services Startup. According to its terms, opening an account is free, monthly service will cost the client 1.09 thousand rubles.

How to open a current account for an individual entrepreneur?

Today, most serious banks provide the opportunity to apply for opening an account online. But to sign an agreement on cash settlement services, you still need to visit the office of a financial institution. This will not take much time, since all the necessary documents will already be ready.

In order to open an account, an individual entrepreneur must provide a standard package of documentation, which includes: an entrepreneur’s passport, registration and registration certificates, information about the persons who will perform financial transactions on the account, etc. After concluding an agreement on cash settlement services, the bank independently notifies all interested fiscal authorities about this, sending them notifications about the opening of an individual current account.

This is the first article about the life of a beginning individual entrepreneur. Yesterday I submitted documents to the tax office and began to choose the best bank for an individual entrepreneur. That's what came out of it.

It turned out that the information on the Internet is either irrelevant or too promotional with a lot of footnotes and asterisks. To understand this, I had to read 28 pages of the Banki.ru forum, several topics on automotive and SEO forums, and study the TOP 10 articles from Yandex and Google for the query “bank for individual entrepreneurs.”

I realized that it was difficult to find up-to-date information on the Internet, and decided to call all the banks myself. Based on the articles I read, I compiled a list of 20 banks that I began calling to find out accurate information.

You can open a current account at any time after registering an individual entrepreneur, but it is better to do this as early as possible. A budding entrepreneur will be able to use it to accept and send any payments, cash and non-cash, and withdraw money for personal needs to his card or personal account. After your business expands, you will be able to enable the acceptance of non-cash payments in terminals or on the Internet, conduct transactions in foreign currency and issue salaries to your employees on cards.

You can open an account in any bank you like, regardless of your place of registration or business registration. You can submit an application online or at a bank branch.

Introduction to my business

• Many receipts to the current account from individuals
• Transfer money once a week to your card in Alfa-Bank
• Payment by invoice - only mandatory payments to the tax office and the Pension Fund of Russia
• simplified tax system 6%

My requirements for the bank

• Low prices for opening and maintaining an account
• Low fees for cash withdrawals and withdrawals to a personal card
• Online banking with support for modern browsers, including Safari for Mac
• SMS notifications about transactions (receipt of money, making payments)
• Mobile application for iOS (preferably)

Of the 39 banks I called, I chose 14 banks with the most profitable and interesting offers.

I also found out what documents need to be submitted to the bank to open an account. The package of documents includes:

• Passport
• Extract from the Unified State Register of Individual Entrepreneurs or certificate of registration of an individual entrepreneur
• Entrepreneur's TIN

All documents must be submitted in original form. Bank employees will take and certify copies of them themselves.

After this, you need to fill out an application (if you have not done so previously) and sign agreements for opening accounts. Then wait for notification that your application has been reviewed and an account has been opened. You will immediately receive details that can be entered into all documents and databases.

1 place. Winner. Tochka (FC Otkritie/Qiwi Bank). Tariff "Required minimum"

Tochka positions itself as “the best bank for entrepreneurs.” After its appearance, many businessmen servicing Avangard Bank moved to Tochka. There are many discussions on this issue on the forums. For all its clients, the bank offers a favorable tariff with free (!) service and special offers from the bank’s partners. The point is part of a unique interbank project organized by Otkritie Financial Corporation and Qiwi Bank. You can choose which bank balance you want to be serviced on - the conditions do not change.

In addition, Tochka launched an online registration service for individual entrepreneurs. To use it, just leave a request and upload scans or photos of documents. Bank specialists will draw up an application themselves and submit it to the tax office, select OKVED activity codes and open a current account. You will only need to pay the registration fee and sign a current account agreement with the manager.

The point operates in all major cities of Russia and almost all regions.

The bank is suitable for both new and long-existing individual entrepreneurs.

The bank offers everything necessary for individual entrepreneurs.

The point operates on the basis of two large Russian banks.

• Cost per month for free
• Opening cost for free
• for free
• Transfers to individuals for free
• Internet banking
• SMS notification 90 rubles per month for each number
• iOS app There is
• Login to Internet Banking
• Cash withdrawal for free
• Account registration online with a specialist visiting
• Additionally online registration of individual entrepreneurs - free (including state duty)
• Bonuses when opening an account 50,000 rubles for promotion in social networks in myTarget, 10,000 rubles for promotion in Yandex.Direct, 3,000 rubles for promotion in Google.Adwords

Advantages

• Free salary and corporate cards
• Assistance in registering individual entrepreneurs

Flaws

• Small Business Only

2nd place. Modulbank. Tariff "Optimal"

The project from people from Sberbank is positioned as a convenient bank for small businesses. Convenient website, technical support with a human face, all operations via Internet banking and mobile application. For an individual entrepreneur, he has an inexpensive tariff with all the necessary functions. After talking with a consultant and studying the forums, I concluded that this bank is best suited for entrepreneurs according to the criteria stated in my requirements.

The bank operates in 50 regions of Russia, including Moscow, St. Petersburg, Novosibirsk, Kazan, Rostov-on-Don, Krasnodar and Sochi.

The bank offers convenient conditions for small businesses.

The account is completed entirely online.

A fairly stable and reliable bank.

All transactions with the account are carried out online.

• Cost per month 690 rubles, 0 - if card expenses per month are from 100,000 rubles
• Opening cost for free
• Cost of payment order 19 rub.
• Transfers to individuals up to 500,000 rubles - according to the payment tariff, then from 1%
• Internet banking
• SMS notification 90 rubles
• iOS app There is
• Login to Internet Banking login and password with confirmation code from SMS
• Cash withdrawal Up to 50,000 rubles - free, then - from 2.5%
• Account registration online with a specialist visiting
• Bonuses when opening an account gifts from Yandex, My Business, Kontur.Elba, OZON and other services; 4 months of virtual telephony + free landline number; discount 5,000 rub. for the first lease payment

Advantages

• Free account maintenance for card expenses over 100,000 rubles per month
• Savings accounts and deposits
• Loans and overdraft with instant processing

Flaws

• Expensive payment orders

3rd place. Tinkoff Business. Tariff "Simple"

A new product for entrepreneurs from a well-known bank. To open a current account, you don’t have to travel anywhere - the manager himself will come to your office with documents and a bank card. The service conditions are quite comfortable for an individual entrepreneur.

Like Tochka, Tinkoff operates in almost all cities of Russia.

The terms of service at Tinkoff are quite convenient for individual entrepreneurs.

The account is completed entirely online.

A fairly stable online bank.

All transactions with the account are carried out online.

• Cost per month 490 rubles (2 months free for new clients, 3 for clients of closed banks, 6 for newly registered individual entrepreneurs)
• Opening cost for free
• Cost of payment order 3 payments for free, subsequent payments for 49 rubles, unlimited when connecting to the “Interbank - no commission” package (490 rubles per month)
• Transfers to individuals from 1.5 to 15%, to a personal Tinkoff Black card - free
• Internet banking yes, free (support for new browsers, including Safari for Mac)
• SMS notification There is
• iOS app There is
• Login to Internet Banking login with password and confirmation code via SMS
• Cash withdrawal from 1.5% to 10%
• Interest on balance 4% per annum
• Account registration online with a specialist visiting
• Bonuses when opening an account Help with promotion in Yandex.Direct, myTagret, Google AdWords and Youtube, 3 months. free use of the Elba and Moe Delo service, 45 days of using “1C: Entrepreneur” for free

Advantages

• Account details after completing the application
• Interest on account balance
• Free accounting for the simplified tax system and UTII

Flaws

• Expensive payment orders

4th place. Promsvyazbank. Tariff "Business Start"

A large bank with state participation, recognized by the Central Bank as one of the systemically important ones. It is one of the three largest commercial banks in Russia, so you don’t have to worry about revoking your license. The starting tariff from PSB is suitable for all small and newly opened individual entrepreneurs for whom it is important to save on opening and maintaining an account.

You can open a current account in many large cities - Moscow, St. Petersburg, Yekaterinburg, Volgograd, Chelyabinsk and others.

The account is opened and serviced completely free of charge.

You can open an account without visiting the bank.

The bank offers the entrepreneur everything he needs.

The bank returns to its previous position after reorganization.

The account is easy to manage via Internet banking.

• Cost per month for free
• Opening cost for free
• Cost of payment order 3 per month - free, then - 100 rubles
• Transfers to individuals up to 150,000 rubles - free, then - from 1.5%
• Internet banking yes (support for new browsers, including Safari for Mac)
• SMS notification 99 rubles per month
• iOS app There is
• Login to Internet Banking USB key
• Cash withdrawal from 3%
• Additionally business loans with fast online processing
• Account registration
• Bonuses when opening an account No

Advantages

• Completely free service
• Business loan after opening an account
• Preparation of documents for opening - free of charge

Flaws

• You cannot open an account in foreign currency

5th place. Raiffeisenbank. Tariff "Start"

A foreign bank that inspires trust. Originates from Austria and is considered one of the most reliable banks in Europe. Competent and polite operators in the call center. Positive reviews on forums. For beginning entrepreneurs, Raiffeisenbank offers a simple tariff with inexpensive services.

Basically, Raiffeisenbank operates in the European part of Russia. In Siberia, the bank is present in Novosibirsk, Omsk, Surgut, Krasnoyarsk and several other cities.

The bank is more suitable for an actively growing individual entrepreneur.

Raiffeisen offers businesses many different services.

Large and reliable international bank.

The bank develops its own remote banking systems.

• Cost per month 990 rubles
• Opening cost for free
• Cost of payment order 25 rubles
• Transfers to individuals up to 700,000 rubles - free, then - from 1%
• Internet banking yes (support for new browsers, including Safari for Mac)
• SMS notification 190 rubles
• iOS app for free
• Login to Internet Banking USB key
• Cash withdrawal from 1% to 10%
• Account registration online with a specialist visiting or at a bank branch
• Bonuses when opening an account No

Advantages

• Inexpensive payment orders
• Various services for foreign trade
• Loans, guarantees and overdraft for business

Flaws

• Expensive service per month

6th place. Sberbank. Tariff "Easy start"

The largest bank in the country offers a variety of services to small, medium and large businesses. He quickly opens accounts without visiting branches using a minimum package of documents. The Easy Start tariff is completely free to open and maintain an account, but offers expensive payment orders. It is suitable for a beginner entrepreneur with a small turnover.

Sberbank operates in all regions of Russia, except Crimea. You can open an account with it in any large, medium or small city.

The conditions at Sberbank are suitable for a small individual entrepreneur.

The account is opened at a bank branch.

Sberbank offers everything businesses need.

The largest and most reliable bank in the country.

You can manage your account through convenient online banking

• Cost per month for free
• Opening cost for free
• Cost of payment order the first three are free, then – 199 rubles
• Transfers to individuals up to 150,000 rubles - free, then - from 1%
• Internet banking yes, free
• SMS notification 199 rubles per month
• iOS app There is
• Login to Internet Banking login and password or USB key
• Cash withdrawal from 5% to 8%
• Account registration online with a specialist visiting or at a bank branch
• Bonuses when opening an account Assistance in promotion in Yandex.Direct, myTagret and VKontakte; 30 days of posting a vacancy on hh.ru and 7 days of access to the resume database as a gift; free year of access to 1C:Business Start; free CRM FreshOffice

Advantages

• Assistance in registering a business
• Business credit and debit cards
• You can buy or rent an online cash register
• Own counterparty verification system

Flaws

• Expensive payment orders

7th place. Sfera Bank. Tariff "S"

A project by BCS Bank, known for its investment products. The sphere does not have its own offices and serves clients online. The bank is interesting because of its built-in accounting for entrepreneurs using the simplified tax system and an account with free servicing. However, its overall range of services for business is still small

Sphere services are available in any city where there are BCS branches. The bank is present in Moscow, St. Petersburg, Novosibirsk, Kaliningrad, Perm and other cities.

The sphere is quite suitable for a small individual entrepreneur.

The account is issued without visiting the bank.

Sphere clients have access to simple accounting and online cash registers.

BCS maintains a high level of reliability.

Internet banking works on any device.

• Cost per month for free
• Opening cost for free
• Cost of payment order 90 rubles
• Transfers to individuals free up to 100,000 rubles, then from 1.5%
• Internet banking There is
• SMS notification for free
• iOS app No
• Login to Internet Banking login and password, and then a choice of SMS confirmation or key fob with code
• Cash withdrawal up to 50,000 rubles free, then 5%
• Additionally free accounting for individual entrepreneurs using the simplified tax system, free electronic signature
• Account registration online with a specialist visiting
• Bonuses when opening an account 3 months of access to the ECAM inventory system, number 8-800 and 2 months of free telephony from MTT, 30 days of free job posting on hh.ru

Advantages

• Assistance in registering a business
• Free account maintenance
• Free built-in online accounting

Flaws

• Expensive payment orders
• Large fees for cash transactions

8th place. Sovcombank. Tariff "Start"

Sovcombank is a large bank that has become popular due to its offers for pensioners and the Halva installment card. It also actively serves small businesses. An account at Sovcombank is quickly opened using your passport. The starter plan offers free service and low-cost payments.

Sovcombank has branches in almost all major cities of the country - from Moscow and St. Petersburg to Yakutsk and Khabarovsk. You can open an account at any of these branches.

An account with Sovcombank is suitable for a beginning entrepreneur.

To open an account, you only need a passport.

The bank offers entrepreneurs a variety of services.

One of the largest private banks in the country.

Clients have access to free internet banking.

• Cost per month for free
• Opening cost for free
• Cost of payment order 50 rubles
• Transfers to individuals salary - 1%, other - from 1.4%
• Internet banking yes, free. Supports all browsers on any device (tablet, laptop, computer, or phone) without a dongle
• SMS notification for free
• iOS app There is
• Login to Internet Banking login and password along with SMS confirmation
• Cash withdrawal up to 50,000 rubles - free, then - from 2.5%
• Maintenance and issue of corporate cards standard - 500 rubles per year, Halva - 1,999 rubles per year
• Account registration online with a specialist visiting or at a bank branch
• Bonuses when opening an account No

Advantages

• Free account opening and maintenance
• Issue of Halva cards in the salary project
• Overdraft up to 10,000 rubles when opening an account
• Various types of acquiring and online cash registers

Flaws

• High fees for cash transactions

9th place. Loko-Bank. Tariff "Own business"

A fairly large and reliable bank that may not be afraid of having its license revoked in the near future. He is very actively developing his products - both for private and corporate clients. Its tariff is interesting due to its free service and low fees for cash transactions.

The bank is present in a number of large cities in the European part of Russia - Moscow, Yekaterinburg, Izhevsk, Tula, Ryazan, Vologda and others. In Siberia, he works in Novosibirsk, Krasnoyarsk, Omsk, Tomsk, Kemerovo and Tyumen. In Chelyabinsk, Belgorod and Togliatti, opening an account costs 1,500 rubles.

Loko-Bank is suitable for a newly registered individual entrepreneur.

You can open an account without visiting the bank.

The bank offers the entrepreneur everything he needs.

Quite a large and stable bank.

Loco-Bank is not present in all cities of the country.

• Cost per month for free
• Opening cost for free
• Cost of payment order 89 rubles
• Transfers to individuals from 2% to 10%, to a personal bank account - free
• Internet banking yes (support for new browsers, including Safari for Mac)
• SMS notification 250 rubles per month
• iOS app There is
• Login to Internet Banking USB key
• Cash withdrawal from 3% to 15%
• Account registration online with a specialist visiting
• Additionally account replenishment at Unistream points - from 0%
• Bonuses when opening an account No

Advantages

• An account is opened without visiting the bank
• Free account opening and maintenance
• Cash replenishment through a large network of partners
• Participation in government support for SMEs

Flaws

• Sometimes operations take a long time

10th place. Uralsib. Tariff "Startup"

A large regional bank, widespread in the Urals and Siberia. Actively engaged in lending and servicing both individuals and businesses. The cost of settlement and cash services in Uralsib, compared to other banks, is at an average level. The Startup tariff offers a large limit on transfers to individuals without commission and low commissions for cash transactions, but at the same time it has expensive payment orders.

Uralsib has offices in 46 regions of the country and in almost all major cities. You can open an account in any region of the country.

Uralsib is suitable for an entrepreneur with growing turnover.

An account is opened at a bank branch.

All necessary services are available to the bank's clients.

Uralsib maintains a high level of reliability.

A special package of services is available for payments in foreign currency.

• Cost per month 480 rubles
• Opening cost for free
• Cost of payment order the first 3 are free, then - 120 rubles
• Transfers to individuals 150,000 rubles per month - free, then - from 1%
• Internet banking yes, free
• SMS notification 200 rubles
• iOS app There is
• Login to Internet Banking USB key
• Cash withdrawal from 1.5% to 10%
• Account registration at a bank branch with an online application
• Bonuses when opening an account No

Flaws

• Expensive payment orders
• Online banking does not work on all devices

11th place. ForBank. Tariff "Initial"

An increasingly popular bank from Moscow is actively developing services for small businesses. For individual entrepreneurs, ForBank offers an account with free service, built-in accounting and a variety of business services. Another interesting offer is a corporate card with cashback for any expenses paid for it.

Entrepreneurs from Moscow, Smolensk, Novosibirsk, Barnaul and several other cities can open a current account with ForBank.

A free current account is available at ForBank.

The account is quickly opened without visiting the bank.

The bank offers small businesses a variety of services.

ForBank maintains a sufficient level of reliability.

Online accounting is built into the Internet bank.

Advantages

• Free account maintenance
• Built-in Internet accounting
• Free business card with 1.5% cashback
• Assistance in registering a business

Flaws

• This tariff does not allow for transactions with foreign currency.

12th place. MTS Bank. Tariff “Simply as simple as that”

A large bank controlled by the telecom operator MTS. He develops interesting offers for both private clients and businesses. For beginner entrepreneurs, he offers a tariff with free opening and maintenance. The bank is suitable for those who work in retail - it can inexpensively connect acquiring and install an online cash register.

MTS Bank has a wide network of branches in almost all major cities of the country - from Moscow and Kaliningrad to Khabarovsk and Vladivostok.

The conditions at MTS Bank are suitable for a small individual entrepreneur.

The account is opened at a bank branch.

MTS Bank offers everything businesses need.

Greetings, dear friend! With you is Alexander Berezhnov, entrepreneur and founder of the “PAPA HELPED” project and an expert on banking issues.

Two years ago I opened a current account for my individual entrepreneur. In this article I will tell you in which bank it is better to open it and why. I will also give step-by-step instructions, with the help of which even a novice entrepreneur can do this quickly and under the best conditions.

I’ll tell you what list of documents is needed to open a current account and answer frequently asked questions on the topic.

What is an entrepreneur’s current account and how does it differ from a “regular” one?

As an individual entrepreneur, you will be able to receive interest on the balance of your personal account and deposit proceeds from the sale of goods and services into it.

RS is convenient to use for settlements with contractors and partners, to pay current expenses: rent, employee salaries, utility bills.

Current account may have commercial enterprises only(IP, LLC and others). For individuals, a regular (current) bank account or deposit is opened.

It is understood that an individual will not accept money received as income or profit from business activities.

Another important difference between RS is that it must be reviewed by the tax authorities. Based on the turnover of such an account, tax is calculated and charged.

When carrying out dubious non-cash transactions, the tax office has the right to block the entrepreneur’s personal account until all circumstances are clarified..

For example, if your current account contains significant amounts from companies with a “shady” reputation or you systematically do not pay taxes.

If this happens, you will need to go to the tax office at your place of residence, resolve any disagreements that have arisen and write an application to unblock the PC. In most cases, this can be done on the same day and you will continue to work with non-cash payments without any problems.

Why does an individual entrepreneur need a current account and how much does it cost to open one?

An entrepreneur needs a current account to work with non-cash payments. Legal entities and individual entrepreneurs in most cases pay for goods and services by transfer to RS.

It is more convenient to pay taxes and make other payments from your business account.

The cost of opening a current account for an individual entrepreneur in 2019 depends on the bank and varies from “free” to several thousand rubles.

But you should not immediately give preference to the bank that offers such a service for ZERO rubles . Further maintenance of this PC may cost significantly more.

How to open a current account for an individual entrepreneur - step-by-step instructions from a practitioner

You can open the PC yourself according to the instructions below or entrust it to a third-party company. I myself use a reliable service - online accounting "My Business".

Here, in addition to the RS, they will help you, take care of accounting or advise on tax issues.

Step 1. Determine the purpose of opening a current account

Once again, I’ll list point by point why a PC is needed for an individual entrepreneur:

• non-cash payment for goods and services for business activities;
• accepting payments from the public via bank cards (acquiring);
• payment of employees in non-cash form;
• quick transfer of funds to legal entities, including large amounts (over 100,000 rubles).

According to the law, legal entities cannot accept more than 100,000 rubles in cash at a time.

Sometimes, when accepting large amounts, a legal entity does several checks up to 100,000 rubles. This happened to me when I bought an apartment.

The benefits of having a current account are obvious.

Step 2. Select a bank

When choosing a bank, you need to pay attention to several basic criteria.

Here they are:

1. The life of the bank and its “size”, the larger and more famous the bank, the better.
2. The cost of opening the RS itself.
3. Cost of monthly subscription fee for service.
4. Cost of sending a payment order.
5. The amount that can be withdrawn in cash per month without interest and the amount of interest for withdrawals above the limit.
6. Accrual of interest on the account balance: if any, then what.

If you have individual “wishes” for the bank in which you will open a current account, you should also take them into account when making your decision.

In the section of this article “Where is the best place to open an account for an individual entrepreneur,” I listed several good banks for this purpose.

Step 3. Prepare a package of documents

The list of documents for opening a current account may vary from bank to bank, but here are the ones you will definitely need:

• passport;
• extract from the Unified State Register of Individual Entrepreneurs (issued from January 1, 2017 instead of a certificate of registration of individual entrepreneurs);
• SNILS;
• IP seal;

To clarify the list of documents for a specific bank, contact its hotline or directly to the branch.

Step 4. Open a current account in the selected bank

After submitting documents to the bank, the RS will be opened for you within a day. Some banks accept all documents remotely via the Internet and the account will be ready within 20-30 minutes after reviewing your papers.

Step 5. Enjoy cashless payments

From the moment you open an account, you can accept non-cash payments and connect acquiring - accepting payments with plastic cards. You can also conveniently manage money on your PC and make the necessary payments.

The tax office recommends carrying out transactions on the individual entrepreneur’s account that indirectly confirm the actual activities of the entrepreneur. If you receive millions every month by bank transfer, and your RS expenses are 1,000 rubles, you will most likely be called to the tax office for a “conversation.”

You will have to confirm the economic meaning of large transactions and “prove” your non-involvement in money laundering, illegal “cash-out” and other illegal transactions.

Where is the best place to open an account for an individual entrepreneur - choose a reliable bank with favorable conditions

List of banks for opening a personal account:

. One of the best banks in terms of conditions (tariffs) and convenience for entrepreneurs.

Tinkoff Bank. An excellent bank, it was there that I opened a personal account as an individual entrepreneur. I've been using it for 2 years now, no complaints.

. A very reliable and reputable bank, but the service here is quite expensive.

Alfa Bank . One of the biggest. Relatively low cost of IP maintenance.

Eastern Bank. Reliable bank, inexpensive tariffs, suitable for conservative entrepreneurs.

In which bank did I open a current account for my individual entrepreneur and why - I share my experience

When the question arose about opening a personal account for my individual entrepreneur, I did not think long, since I did not make great demands on the future partner bank.

I have a simplified tax system ( 6% on income). The turnover for the year was also planned to be small: from 300,000 rubles to 1,500,000 rubles.

Transaction frequency: 1-2 times per month for the amount 20,000-100,000 rubles.

Before this, I had been using a Tinkoff Bank debit card for a long time, so I made the decision open a personal account in Tinkoff Bank.

I interviewed businessmen I knew who already had a business account with Tinkov. The guys said that they were happy with everything.

The division that provides services to legal entities and individual entrepreneurs in this bank is called ““.

What I like here:

• convenient online account with the ability to do your own accounting;
• integration of a debit card into the individual entrepreneur’s account;
• prompt technical support;
• tariffs and terms of service.

I’ve been using the RS at Tinkoff Bank for 2 years now and I, like my friends, are happy with everything. Now when they ask me if I can recommend this bank for opening a personal account, I say yes.

Frequently asked questions on the topic

I wondered about them myself and regularly heard them from friends.

Question 1. Is it possible to open a current account online? Anatoly, 29 years old, Vologda

Yes, now almost all major banks offer customers to open a current account online without visiting a physical office. My partner discovered MS a year ago in exactly this way.

To do this, you need to prepare a package of documents, provide the bank with an imprint of your individual entrepreneur’s seal and signature (scanned) on a sheet of paper.

From the bank's side, you will be assigned a personal manager, with whom you will be able to resolve all organizational issues regarding your personal account remotely.

In just 10-60 minutes you will become a full-fledged owner of a PC.

Question 2. Where to open a current account for individual entrepreneurs in 2019? Maria, 34 years old, Nizhny Novgorod

In them, my friends and I discovered PC for ourselves and are quite satisfied.

Question 3. Is an individual entrepreneur obliged to open a current account in principle? Alexander, 35 years old, Samara

According to the law, an individual entrepreneur no need to open PC. But in some cases it is simply necessary. First of all, such an account is needed if you work with legal entities and other individual entrepreneurs. This is called the b2b sector (bi to bi) or “business to business”.

If you plan to work with tenders and quotes, or participate in government contracts, having a PC will be a prerequisite.

When working in trade and accepting card payments (acquiring), you will have to open a current account.

Question 4. How to quickly open a PC? Marat, 27 years old, Kropotkin

If in steps then:

1. Decide on your entrepreneurial goals.
2. Choose a bank with the ability to open a personal account without visiting the office.
3. Submit documents to the bank electronically.

This is the fastest way.

Question 5. What service rates are considered normal? Zaur, 32 years old, Makhachkala

Here I will give Modulbank tariffs for 2019 (my friend has a RS account there):

These tariffs can be considered as average. I believe that the conditions described are quite beneficial for individual entrepreneurs.

Question 6. Is it possible to open an account without a service fee? Nina, 23 years old, Cherepovets

Yes, you can. A number of banks do not charge service fees under RS. But, often under such conditions, the cost of sending a payment order is significantly higher than in other banks.

Carefully read the terms of the agreement with the bank, as it will definitely not remain in the red. Try to predict the volume of future operations and their frequency. Based on these criteria, make a decision in favor of one bank or another.

Question 7. Is it possible to link a card to your current account as an individual entrepreneur and pay for purchases with it? Nikolay, 29 years old. Volgograd

Now in almost all banks an RS is opened with a card that is “linked” to it. It turns out that you have another plastic card. You can pay with it in stores like anyone else.

Question 8. Why may they refuse to open an account? Ivan, 41 years old, Murmansk

There are several such reasons. In most cases, this is a trivial problem with documents: the necessary papers are missing, they are executed incorrectly or have lost their legal force.

The most common reason for refusal— suspicion of having committed illegal transactions in the past (money laundering or terrorist financing). Recently, the topic of “surveillance” of the movement of non-cash money of entrepreneurs and individuals has been hotly raised on the Internet and the media.

According to unofficial information, banks have a single database of “unreliable merchants.” Once you get into it, it is difficult to prove that you are an honest and law-abiding entrepreneur.

If the bank refuses to open a personal account, the last resort is to register a company (IP) in the name of a relative and conduct business on his behalf. If this happens to you, you can contact a lawyer or lawyer.

Sometimes in complex legal situations I myself use outside help. Specialists from the online service “Lawyer” will help you resolve complex legal issues.

I periodically turn to these guys and responsibly recommend this company as trusted by “PAPA”.

Question 9. Do I need to notify the tax and pension fund about opening a current account? Svetlana, 34 years old, Elektrostal

Indeed, previously, within 5 days after opening an RS, it was necessary to notify the tax office and the Pension Fund by submitting an application. A fine was imposed for failure to comply with this requirement.

Do it now Not required. Since May 2014, a law came into force that abolished the procedure for mandatory notification of government agencies about the opening/closing of a distribution network.

Now the bank does this for you automatically.

conclusions

A current account is necessary for an entrepreneur to carry out non-cash transactions. Each bank interested in a new client tries to offer the best conditions for opening a current account. At the same time, it is important to look at where it will be more profitable for you to open a PC in the long term.

First, formulate the criteria and requirements based on which a decision will be made to open a personal account in a particular bank.

These criteria include: the volume and frequency of transactions, the size of the balance of funds stored in the account, work with foreign currency and others.

Remember that some banks open an account for individual entrepreneurs for free, but then “get” theirs by providing you with more expensive services for using the PC.

To make an informed decision regarding one bank or another, compare the conditions for opening a personal account in each of them. Open an account in a trusted bank, do not be fooled by tempting offers of freebies from small and new “players” in this market.

If the bank in which you have money on RS IP “bursts”, then the deposit insurance agency will reimburse you for the amount up to 1,400,000 rubles.

However, if you are private lawyer or a notary, then the money is tied up with professional activities upon revocation of a bank’s license, You YOU WILL LOSE!

As a result, no matter which bank you choose, the risk of force majeure always exists. After all, this is entrepreneurial activity, and here the strongest wins.

Do individual entrepreneurs need to open a bank account in 2019? Is it possible to work without opening a current account? What documents are needed to open an account? What will change in opening accounts for individual entrepreneurs in 2019? You will find answers to these and other questions in our article.

When an account for an individual entrepreneur is not needed

An individual entrepreneur can open a settlement (current) and other accounts in a bank under a bank account agreement (Article 11 of the Tax Code of the Russian Federation). That is, an individual entrepreneur can open a business account, but is not obliged to do so.

An individual entrepreneur may well work only with cash or make payments through a personal account opened for an individual. This option is quite suitable for individual entrepreneurs who are engaged, for example, in retail trade or household services. After all, such individual entrepreneurs often work only with the public and only accept cash payments. However, in some cases, you still cannot do without a current account. We'll talk about this further.

Is an individual entrepreneur required to open a current account?

An individual entrepreneur is required to have a current bank account only for certain transactions. According to general rules, an entrepreneur is not required to open a current account. He has the right to conduct all payments through his personal account, opened as an individual, or in cash. The exception is cases when a current account is required. For example, when paying for the rental of real estate (clause 4 of the Bank of Russia instructions dated October 7, 2013 No. 3073-U). To open a current account, a bank account agreement is concluded.

Why is it better to open a current account for an individual entrepreneur?

There are some reasons why it makes sense for an individual entrepreneur to open a current bank account designed specifically for doing business. Let's give a few reasons for this.

Reason 1: cash payment limit

If you plan to enter into contracts with organizations, other individual entrepreneurs, pay and receive significant amounts, then you may need a current account. After all, you can pay in cash with companies and other individual entrepreneurs only in an amount of no more than 100,000 rubles under one agreement (clauses 5 and 6 of Bank of Russia Directive No. 3073-U dated October 7, 2013).

Reason 2: fears of partners

Some of your partners (organizations and individual entrepreneurs) may be afraid to transfer money to personal accounts of individuals. After all, it is possible that the tax inspectorate may regard such payments as income of an individual subject to personal income tax. And from payments to individuals, organizations and individual entrepreneurs are required to withhold personal income tax as tax agents and submit calculations using forms 6-NDFL and 2-NDFL. Therefore, many simply do not want to get involved with payments to physicists’ personal accounts.

Read also A law has been adopted to simplify the clarification of erroneous tax payments

At the same time, in order to open a profitable and convenient account, we recommend paying attention to the following:

• tariffs for cash management services (check how much it will cost to make payments);
• cost of opening an account (some banks charge opening fees and some do not);
• monthly rates;
• Internet banking options;
• conditions for issuing a bank plastic card;
• cash withdrawal limit at ATMs and the commission charged for it;
• is a deposit offered for the balance of funds in the account (often the interest on the deposit exceeds the cost of banking services. This is a very profitable option);
• Is there 24/7 online support?

Also, of course, you should choose the most reliable bank with a good history. If you choose a good bank, then you will not need to constantly fear that its license will be revoked any day now. After all, if this happens, it will be very difficult to get your money back.

Opening a current account in a simplified manner

From September 1, 2016, banks open current bank accounts for individual entrepreneurs according to new, “simplified” rules. This is provided for by Federal Law No. 191 FZ dated June 23, 2016. From September 1, 2016, to open an account, you no longer need to submit to the bank certificates of state registration of individual entrepreneurs and registration with the Federal Tax Service. The bank will receive this data from the tax office in electronic form independently. These rules for opening accounts continue to apply in 2019.

Before September 1, it was required to submit the originals of these documents to the bank or have their copies certified by a notary. If, before September 1, 2016, the bank opened an account without a registration certificate, then it could be fined 20,000 rubles. (Article 132 of the Tax Code of the Russian Federation).

Also, from September 1, individuals who already have a personal bank account can open current accounts for individual entrepreneurs without a personal visit to the bank - via the Internet. That is, for example, if an individual already has a personal bank card in a bank, then a current account for an individual entrepreneur in this bank can be opened online, without visiting the bank.