Information / 24.08.2021

Where is it better to open a current account. Which bank is more profitable to open a current account for LLC. Current account in Promsvyazbank

Individual entrepreneurs can only work with cash, make transfers to a personal card. In this case, you will not have to pay for banking services, but there are a number of serious disadvantages and limitations:

it is difficult to control and analyze financial flows;
the amount of the transaction in cash within one agreement has a limit and cannot exceed 100,000 rubles;
the loss of a significant number of potential customers is possible, since today it is very popular to pay by non-cash method, and a transfer to an individual causes distrust and discontent;
more questions arise from the tax authorities as it is difficult to distinguish between personal and work finance.

Therefore, the presence of at least one current account is mandatory from the point of view of business development and prospects. This is an indicator of the seriousness and reliability of an individual entrepreneur for counterparties, the possibility of obtaining profitable credit and investment offers, convenience and significant time savings.

How many accounts can an individual entrepreneur open

According to the legislation, for the successful conduct of business, an entrepreneur can have any number of p / s. The decision depends solely on the needs and specifics of a particular business. Opening accounts with free service in several of the 12 banks in the city will undoubtedly add advantages for individual entrepreneurs:

selection of the most favorable cash settlement rate for each type of transaction;
simplification of mutual settlements with partners;
reliability, independence from technical failures;
convenience of dividing cash flows for different areas of activity;
strengthening the security and increasing the safety of confidential commercial information;

However, the costs of settlement and cash services increase, additional time is required to control financial transactions.

Bank account opening procedure

Today the level of competition in the banking sector is extremely high. The service is customer-oriented, the needs and wishes are taken into account as much as possible, the most modern technologies are used. It is necessary to decide where to do it better, taking into account the number and type of transactions per month. The cost of opening an account for an individual entrepreneur in Moscow starts from 0 rubles at the Simple rate (Tinkoff Bank) to 0 rubles at Vostochny Bank. To conclude an agreement, you must contact a financial institution with an application and a package of documents.

Attention! If the entrepreneur applies personally and plans to independently manage the bank account, one passport is enough!

In the case of an application from a trustee, it is required to provide a passport and a notarized power of attorney. In some situations, additional documents may be required:

license or patents, if the type of activity is subject to licensing;
license if the work is related to state secrets;
a state contract or an extract from it in the presence of a state order;
SNILS, for working with electronic document management or accounting services.

If payments will be made only in electronic form, it is not required to provide a card with sample signatures. The opening of a current account in most cases occurs in one day, or no later than the next business day.

Attention! The bank will independently notify the tax office, the pension fund and the social insurance fund about this.

The application can be submitted online on the page and receive an agreement with the courier in the office or at home, without visiting the institution at all.

Choosing a reliable bank in Moscow and an optimal tariff

So that one day an individual entrepreneur will not be left without honestly earned funds, it makes sense to choose only reliable banks with a proven reputation and a high rating, which are part of the state deposit insurance system (DIA). Next, you should be guided by convenience and cost. Important:

the presence of an Internet bank and a mobile application;
location of branches in Moscow;
work schedule, since even electronic payments are made during business hours;
transaction speed; customer reviews on the quality of service.
an advantage can be the presence of branches and branches in other cities.

The main criteria when choosing a tariff plan:

the cost charged to open;
monthly payment for cash settlement services and its components - from 0 rubles at the Startup (VESTA) tariff to 4990 rubles at Tinkoff Bank;
the price of connection and regular maintenance of the remote service;
the price of each cashless transfer operation in excess of the free package; starts from 0 rubles in the L (Sphere) tariff and goes up to 199 rubles in Sberbank;
commissions for depositing and withdrawing cash;
accrual of interest on the balance.

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

The "Moneymaker Factory" portal offers you an overview "Where is it better to open a current account for an individual entrepreneur". It is based on the personal interest of the author, who has studied the conditions of several banks in order to choose the cheapest and most functional option for himself. Further, the narration will go in the first person.

We set the conditions:

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

An additional plus will be convenient services that will help you not "bother" with monthly accounting.

In the end, I will summarize with a comparative analysis of the costs of registering an invoice for an individual entrepreneur.

So, let's begin.

Sberbank

The account is opened in 5 minutes remotely. After reservation, payments can be received immediately. True, they will be held only at the moment of opening, but the very fact is very captivating. Within a month, the client must provide the documents:

passport;
registration certificate;
tax registration document;
extract from EGRIP;
card with samples of signatures and seal imprint;
documents on the powers of the persons indicated in the card;
passports of authorized persons;
licenses, patents (if any).

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

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

The "Minimal" package includes: maintaining an account, using remote banking, and making 5 payments per month free of charge. The monthly cost is 1700 rubles. Opening is paid separately - 3000 rubles and service of the linked card. It is cheaper than opening without a package, but when compared with other banks, it turns out to be quite expensive. The advantage of Sberbank is that it offers a huge selection of related services, but a novice individual entrepreneur does not need them. They are not included in the package, which means they are paid separately.

Bank "Avangard"

This bank offers simple and understandable conditions for cash settlement services. The main thing is to carefully read the tariffs, where it is written that when opening a current account by submitting an online application, the cost of the operation is 1000 rubles, and with off-line registration - 3000 rubles. Doing - 900 rubles per month. Avangard has no package deals. One tariff for all. It includes the connection of Internet banking, a salary project, an unlimited number of intrabank payments. External payments will cost 30 rubles for 1 operation. You can link a Cash Card to your current account, which will make it possible to use the account through an ATM. Office service is available upon prior request. Please note that this card is not intended for payments in retail outlets.

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

Bank "Revival"

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

Free account opening is valid within the "Easy transition" promotion. It will run until December 31, 2017. Therefore, those who want to save money and take advantage of the Vozrozhdenie Bank should hurry up.

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

Raiffeisen Bank

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

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

VTB 24

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

Module-Bank

A young bank working exclusively with small and medium-sized businesses. All operations and processes in it are "sharpened" for remote servicing of enterprises. It has many additional services that make life easier, which I am very pleased with. Let's look at its rates. The "Starter" tariff suits me. In it, opening, maintaining an account and Internet banking for 1 person are absolutely free. But 1 payment order costs as much as 90 rubles. Also, 1.5% is taken for the withdrawal of cash from any amount.

Here I can afford a more expensive tariff - "Optimal". The monthly fee is only 450 rubles, but there are additional options and "goodies". The current account number is booked remotely after the application is submitted and the documents are uploaded. To sign the agreement, you will have to come to the bank's office or call an employee. I was a little embarrassed by the requirement in the list of documents for recommendations from other clients of Modul-Bank. And also, keep in mind. The free regime may change in a year and become rather unprofitable, since the bank thus attracts customers.

Bank opening"

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

Comparative analysis and results

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

The technical conditions for opening are not much different. The algorithm is the same everywhere:

Application on the site.
Room reservation.
Providing documents to the office or the arrival of a specialist.

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

Price. Here it is more interesting. I made a table with the results for the minimum cost of opening an account and maintaining it.

	Internet banking	Card to account
Sberbank

Opening		200 + 1500 (maintenance per year)
Raiffeisen
Revival	200 per month
Vanguard
Module-Bank		First year - 0

It turns out that the most expensive service is in the most "people's" bank - Sberbank. VTB24 is in sixth place, Otkritie Bank is in fifth place, provided that you will not apply for a card. Next comes Avangard, and the top three looks like this:

3rd place - Raiffeisen Bank;
2nd place - Bank Vozrozhdenie;
The winner is "Modul-Bank" with absolutely free account opening at the "Start" tariff.

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

After writing this review, we found a special offer from 1C and Tinkoff Bank for start-up entrepreneurs with free opening of a current account and free service for the first 3 months.

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

An entrepreneur will not be able to develop a business operating only in cash - he will have to open a bank account for an individual entrepreneur. This will significantly expand the number of counterparties, control cash receipts and write-offs, and also get a lot of customers who prefer to pay by card. There is one more reason: the limit on cash transactions under one agreement is only 100,000 rubles. Below we will tell you in detail how to open a current account for an individual entrepreneur in 2019.

How to choose a bank for an individual entrepreneur

An individual entrepreneur's current account is not just a tool for working with funds, but also an indicator of the seriousness of a business. The funds involved in the business pass through the account, and this is not the personal money of an individual. They can become such only if the individual entrepreneur removes them from the account or transfers them to the card of an individual marked "for personal needs."

When choosing a bank for an individual entrepreneur, the following points are important.

Distance from the place of work. Are you planning to process money transfers with ordinary paper payments, regularly collect statements and return cash? Then you need to pick up a bank in the immediate vicinity of the workplace or on the way from home to work.
Mode of operation. The longer the working day at the bank, the better. For Internet banking customers, this nuance is also important - all transactions, even electronic ones, are carried out strictly during the bank's working hours.
Availability of an internet service. The most convenient bank for individual entrepreneurs is electronic. There is no need to run anywhere with payments and constantly call the operator with a request to check the receipts. It is enough to open the desired page on your computer and regularly update it at any time and from anywhere. Some banks offer mobile versions of online banking for tablets and smartphones.
Additional business tools. As part of the Internet service, large banks offer built-in consulting products - the formation of payments, verification of counterparties, receipt of statements, certificates, reconciliations, etc.
Convenient tariff plan. You can profitably open a bank account for individual entrepreneurs by comparing offers and choosing the minimum tariff. But be sure to check what's behind it. Banks charge a fee for both opening an account and monthly maintenance. Free opening often implies not the cheapest rates, as well as a special offer with free service for the first 1-2 or 3 months. Estimate in advance how much the monthly service will cost after the grace period.

A bank for individual entrepreneurs must have a reliable reputation, a high rating, be in the register of the Central Bank of the Russian Federation and be a member of the deposit insurance system. According to analysts, Alfa-Bank, Tinkoff, Promsvyazbank, Modulbank, Tochka meet these criteria in 2019. They offer the most favorable terms of cooperation for entrepreneurs.

Are you going to open a current account? Open a current account with a reliable bank - Alfa-Bank and get free of charge:

free account opening
first foreign currency account
certification of documents
Internet bank
and much more

What payments does the bank charge from the account holder?

In addition to the fee for opening an account, its owner needs to be prepared for the next payments.

Monthly service. In some banks, it is tied to the number of transactions. If they are absent, payment may not be charged. But each bank has its own rules, which you should familiarize yourself with in advance.
Remote service connection. Payment for Internet banking services is either included in the monthly payment or charged separately.
Regular remote maintenance. It is not enough to pay for connecting to the service, you will have to pay for its use, because the system is constantly updated, new tools and capabilities are added.
Making payments. Not all banks have a commission for each payment; there are package offers with a fixed number of free transactions.
Cash withdrawal. For each withdrawal, you will have to pay the interest set by the bank or the agreed amount.

When assessing where to open a current account for the business needs of individual entrepreneurs, calculate all payments. It may turn out that in a bank with a minimum fee or nothing at all for opening an account, high tariffs for service and the provision of remote services.

What you need to open a bank account for individual entrepreneurs

It is possible to open a bank account for individual entrepreneurs only upon application. Copies of the following documents are attached to it:

passport - all pages;
certificate of registration as an individual entrepreneur or a sheet of record of the USRIP;
tax registration certificate;
notification from Rosstat with statistics codes.
license (if any).

The application itself is filled out on the bank's letterhead - each has its own. After collecting the above package, go to the selected credit institution.

What documents are drawn up when opening an account

Contact a consultant with a question on how to open a current account for an individual entrepreneur and tell them that you have the entire package of documents with you. You will be escorted to a specialist in working with entrepreneurs. Next, you have to draw up the following mandatory papers.

customer profile;
an agreement for opening an individual entrepreneur's current account;
service agreement and Internet service connection;
card with sample signatures.

All this is completed within one day. Usually, the account is ready for work the next day - the client is given its number, and registration is carried out in the online banking system. But it is activated only after payment for the service of opening an account. Banks charge it in different ways - some write off from the first receipt to the account, while in others it is practiced to pay in cash through the cashier.

The very procedure of registration in a bank office takes a lot of time. Advance booking will help to save it. To do this, it is enough to leave an application on the bank's website for opening a current account. The manager will contact you, clarify the details and send the forms to e-mail. Having filled them in, they also need to be sent to the manager. After that, the time of the visit to the bank is agreed. By the time the client arrives, everything is ready - all that remains is to resolve the issue of payment.

What you need to do right after opening an account

Until May 2014, there was an obligation to notify the Federal Tax Service, the Pension Fund of the Russian Federation and the FSS about the opening and closing of a current account. This was given 7 days. The amendments to ФЗ-59 dated 02.04.2014, which entered into force, canceled this obligation. Now banks independently notify the tax, the Pension Fund and social insurance about the opening and closing of an individual entrepreneur's current account.

To withdraw money for personal needs from an individual entrepreneur's current account, it is recommended to have a card with the ability to accept money transfers. Funds can be transferred to it by indicating in the purpose of the payment “withdrawal of money for personal needs”. The card must belong to the same individual as the account of the individual entrepreneur.

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 checking account for individual entrepreneurs and LLCs, what documents will be needed to open an account and which banks provide services for opening and maintaining checking accounts for individual entrepreneurs and organizations.

From the article you will learn:

Why should an individual entrepreneur and LLC open a current account;
How quickly and where is it better to open a current account;
Advantages and features of the presence of a bank account with the company.

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

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

How to open a current account for an individual entrepreneur or LLC and what documents will be needed to open a current account in a bank - read this article

1. What is a current account and what is it for - definition + advantages of p / s 📋

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

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 (sole proprietorship, LLC, etc.) and for individuals. main feature a current account in that it is opened in order to carry 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.

Advantages (+) of having a current account

A company with a current account has the following advantages:

Advantage 1. Legal entity status

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

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

Cashless payments are considered the safest in comparison with cash payments. The likelihood of receiving counterfeit banknotes, thefts, force majeure is excluded.

Advantage 3. Client solvency

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

Advantage 4. Speed and convenience of operations

The possibilities of the Internet allow making payments online, without obligatory visits to the bank. Payments are made on a day-to-day basis. 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 the Internet.

Advantage 6. Control over the receipt of funds

Implementation of timely control over the receipt of funds from counterparties. In online mode, you can always check the receipts to the current account.

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

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

2. Required 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 imply the provision of a simplified package of documents.

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

Constituent documents of the organization: Articles of Association, decision to establish an enterprise (minutes of decision, if there are several founders), articles of association.
Appointment orders director, chief accountant (if necessary).
Passports of persons who will have the right of the first and second signatures at the bank.
Extract from the Unified State Register of Legal Entities or EGRIP made for a period not exceeding 3 months.
Inquiries about the presence / absence of debt on taxes and fees.
When submitting documents by an authorized person, documents confirming his powers.
Seal(in the presence of).

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

A card with sample signatures is filled in at the bank. It is necessary to be very careful when putting your signature sample, all operations on the account will be carried out on it in the future, and if the signature appears to the operator to be different from the original, 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. Bank account details are required, which are indicated in the bank account agreement concluded between client and the bank.

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

However, there is a limitation 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 obliged to open a current account with the bank.

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

This limit does not apply to funds received for wages, for reporting, social payments, for the personal needs of an entrepreneur (this will need to be proven).

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

A seizure may be established on the account or filing cabinets are issued in the following cases:

Late payments to the budget.
Delays in filing income tax returns.
The lawsuit of the judicial authorities.

You can close an account in the following cases:

Authorized person's decision.
Liquidation or.
Bankruptcy.
Judicial decision.

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 several accounts in one or several 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.

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

Criterion 1. Stability of the credit institution

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

It must be remembered , that the balance of funds on the current account in the bank is not insured by anyone (unlike the deposits of individuals), in case of bankruptcy, the company may 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 for opening and servicing an account. The difference in tariffs in different banks can be very essential, regardless of the level of services provided. Therefore, it is necessary to choose a suitable tariff plan.

Banks take a commission for opening a current account, its value can be from 100 rubles up to several thousand ... You can find a lending institution offering open an account for free, but a higher rate may be charged for the service.

Below in the article will be presented the optimal tariffs in stable and reliable banks.

Criterion 3. Internet bank availability

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

Important to know the opinion of the bank's customers about the existing Internet bank, since the system may not be worked out and is inconvenient to use.

Criterion 4. Accrual of interest on the account balance

In some credit institutions there is an accrual service income interest on the balance of funds in 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 LLC and individual entrepreneur - 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 for a particular enterprise. If the company needs an account only for settlements with the tax authorities, you should not choose banks with mobile and Internet applications.

With the constant lack of funds on the account of the organization, there is no need to choose tariffs with the accrual of interest on the account.

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

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

1) 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. It 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 with Tinkoff Bank:

The opening time will take only a few minutes, the account can be used immediately. The bank has long operating 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 and has a convenient mobile application. According to the statement of the management, the balances on the current accounts are insured for the amount of up to 1.4 million rubles. 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 speed: Start, Optimal, Unlimited.

Tariffs for servicing and opening a current account in Modulbank:

Monthly maintenance	According to tariffs from 490 rubles. for a starter package free of charge.
Internet bank Mobile bank SMS notifications	+ free Is free Is free
Payment cost	Free of charge for the unlimited plan, for others from 19 rubles.
Transfers of funds to cards	Up to 0.5%
Cash withdrawal	For optimal and unlimited plans for free, for a starting one 1.5%
Percentage on balance	Up to 5% per annum, depending on the turnover and the tariff plan.

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

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

3) Bank UBRD (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 your office.

There are 5 service plans:

Business package 3 - All inclusive principle 3 months;
Business package 6 - All inclusive principle 6 months;
Business package 12 - All inclusive principle 12 months;
Online - real time;
"It's simple" - payment only for account transactions.

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

Tariffs for opening and maintaining a current account in the 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 your office. The bank offers a cheap tariff plan, but paid SMS informing.

4) Bank Point (Opening)

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

The bank has 3 service tariff plans:

Lowcost;
Economy;
Business.

Tariffs for opening and maintaining a current account in the Tochka bank (Opening):

You can open a bank account in a day and use it right away. Extended operating day- from 00.00 to 21.00.

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

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

4.2. Current 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 maintaining a current account of 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 entrepreneurship in Sberbank are quite high.

Only “Important” (VIP) clients of the bank with good turnover on their current account and using various banking products can count on preferential terms. As a bonus, Sberbank offers to open 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:

Minimum;
Basis;
Assets;
Optima;
Trade plus;
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. Schedule of work with clients- from 09.30 to 20.00.

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

2) Alfabank

Alfabank also takes advantage of 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 maintaining a current account with Alfabank:

Opening an account with Alfa Bank will take 3 days or more. Length of the operating day standard - from 09.00 to 19.30.

3) Vanguard bank

Avangard Bank offers not the best terms of service.

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

The bank offers the following tariff plans:

Base;
Advanced;
All inclusive.

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

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

4) Raiffeisen Bank

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

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

Start;
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 operating day- from 09.00 to 17.00, which is a very inconvenient moment for clients.

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

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

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

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

The cost of opening and maintaining a current account in banks

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

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

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

For small business when the turnover on the current account is planned to be small, but stable, the best options can be considered Mobulbank , bank Point , Tinkoffbank ... They offer 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 service 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 PC for LLC and IE 📝

Opening an account is a prerequisite for work for legal entities and desirable for individual entrepreneurs. If the individual entrepreneur plans to develop his activities, his account will be is necessary to pay 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)

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

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

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

Step 2. Choosing a tariff plan

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

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

Step 3. Paperwork

At the bank, the client fills out a signature sample card, an agreement is concluded 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 what is it for, we wrote in one of our articles.

It is also necessary to sign documents for additional services.

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

Step 4. Configuring additional services

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

And what is it 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 legislation will help in solving all the problems that arise.

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

Let's look at some simple ways to determine the current account of an organization.

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

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

You can find out the current account of the organization (IE) 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 current account of the organization on the Internet (the website of the tax office - ( 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 the provision of services, you need to know the details of the legal entity. They, as a rule, are 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, BIK, INN, COR / ACCOUNT, KPP of the bank.

When incorrect details are specified, funds usually "hang" at the bank and wait for confirmation to be credited. The client must notify the credit institution in writing of the exact payment details.

7. Frequently Asked Questions (FAQ) 💬

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

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

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

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

Stability of work, stability, high reliability rating of the credit institution. This information is located 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 prestige in the financial market.

This is the first article about the life of an aspiring sole proprietor. 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 advertising with a lot of footnotes and "stars". To understand this, I had to read 28 pages of the Banki.ru forum, several topics on automotive and SEO forums, study the TOP-10 articles from Yandex and Google on the request "bank for individual entrepreneurs".

I realized that it is difficult to find up-to-date information on the Internet, and I decided to call all banks myself. Based on the articles I read, I have compiled a list of 20 banks, which I began to call to find out the exact 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 novice 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 connect to the acceptance of non-cash payments in terminals or on the Internet, conduct transactions in foreign currency and issue your employee's salary to cards.

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

Introductory information about my business

A lot of receipts to the current account from individuals
Money transfer once a week to your card in Alfa-Bank
Payment by invoice - only mandatory payments to the tax and the Pension Fund
STS 6%

My bank requirements

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, payments)
IOS mobile application (desirable)

Out of 39 banks that I called, I chose 14 banks with the most advantageous 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 EGRIP or certificate of registration of an individual entrepreneur
TIN of the entrepreneur

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

After that, you need to fill out an application (if you have not done this earlier) and sign agreements for opening accounts. Then wait for the notification about the consideration of the application and the opening of the account. You will immediately receive details that can be entered into all documents and databases.

1st place. Winner. Tochka (FC Otkritie / Kiwi Bank). "Required minimum" tariff

The point positions itself as "the very best bank for entrepreneurs." After its appearance, many businessmen serviced by the Avangard Bank moved to Tochka. There is a lot of discussion on the forums on this issue. 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 FC Otkritie and Kiwi Bank. You can choose on the balance of which bank you want to be serviced - the conditions do not change from this.

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. The bank's specialists themselves will draw up a statement and send it to the tax office, select the 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 outlet operates in all major cities of Russia and in almost all regions.

The bank is suitable for both a new and a long-standing individual entrepreneur.

The bank offers everything you need for an individual entrepreneur.

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

Cost per month is free
Opening cost is free
is free
Transfers to an individual is free
Internet banking
SMS informing 90 rubles per month for each issue
IOS app there is
Login to Internet Bank
Cash withdrawal is free
Registration of an invoice online with a visit of a specialist
Additionally online registration of individual entrepreneurs - free of charge (including state duty)
Account opening bonuses 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
Help in registering an individual entrepreneur

disadvantages

Small business only

2nd place. Modulbank. "Optimal" tariff

The project from immigrants from Sberbank is positioned as a convenient bank for small businesses. A user-friendly website, technical support with a human face, all transactions via the Internet bank and a 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 invoice is issued completely online.

A fairly stable and reliable bank.

All transactions with the account are carried out online.

Cost per month 690 rubles, 0 - if expenses on cards per month are from 100,000 rubles
Opening cost is free
Payment order cost 19 rbl
Transfers to an individual up to 500,000 rubles - at the rate of payment, then from 1%
Internet banking
SMS informing 90 rubles
IOS app there is
Login to Internet Bank login and password with a confirmation code from SMS
Cash withdrawal Up to 50,000 rubles - free of charge, then - from 2.5%
Registration of an invoice online with a visit of a specialist
Account opening bonuses gifts from Yandex, Moe Delo, Kontur.Elba, OZON and other services; 4 months of virtual telephony + free landline number; discount 5,000 rubles for the first lease payment

Advantages

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

disadvantages

Expensive payment orders

3rd place. Tinkoff Business. "Simple" tariff

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

Like Tochka, Tinkoff works in almost all cities in Russia.

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

The invoice is issued completely 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 is free
Payment order cost 3 payments for free, the next 49 rubles, unlimited when connecting the package "Interbank - no commission" (490 rubles per month)
Transfers to an individual from 1.5 to 15%, on a personal Tinkoff Black card - free of charge
Internet banking yes, free (support for new browsers, including Safari for Mac)
SMS informing there is
IOS app there is
Login to Internet Bank login with password and confirmation code by SMS
Cash withdrawal from 1.5% to 10%
Interest on the balance 4% per annum
Registration of an invoice online with a visit of a specialist
Account opening bonuses Help in promotion in Yandex.Direct, myTagret, Google AdWords and on Youtube, 3 months. free use of the service Elba and My Business, 45 days of using "1C: Entrepreneur" for free

Advantages

Account details after registration of the application
Interest on account balance
Free accounting for STS and UTII

disadvantages

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. It is one of the three largest commercial banks in Russia, so you don't have to worry about revoking a license. The starting tariff from PSB is suitable for all small and recently opened individual entrepreneurs who need to save money on opening and maintaining an account.

You can issue 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 draw up an account without visiting the bank.

The bank offers everything the entrepreneur needs.

The bank returns to its previous positions after the reorganization.

The account is easy to manage via the internet bank.

Cost per month is free
Opening cost is free
Payment order cost 3 per month - free, then - 100 rubles
Transfers to an individual up to 150,000 rubles - free of charge, then - from 1.5%
Internet banking yes (support for new browsers, including Safari for Mac)
SMS informing 99 rubles per month
IOS app there is
Login to Internet Bank USB key
Cash withdrawal from 3%
Additionally business loans with fast online processing
Registration of an invoice
Account opening bonuses No

Advantages

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

disadvantages

Can't open an account in foreign currency

5th place. Raiffeisenbank. Tariff "Start"

Trustworthy foreign bank. Comes from Austria and is considered one of the most reliable banks in Europe. Competent and polite call center operators. Positive feedback on the forums. For aspiring entrepreneurs, Raiffeisenbank offers a simple tariff with inexpensive service.

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 RBS systems.

Cost per month 990 rubles
Opening cost is free
Payment order cost 25 rubles
Transfers to an individual up to 700,000 rubles - free of charge, then - from 1%
Internet banking yes (support for new browsers, including Safari for Mac)
SMS informing 190 rubles
IOS app is free
Login to Internet Bank USB key
Cash withdrawal from 1% to 10%
Registration of an invoice online with a visit of a specialist or at a bank branch
Account opening bonuses No

Advantages

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

disadvantages

Expensive service per month

6th place. Sberbank. Easy start tariff

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 distinguished by completely free account opening and maintenance, but it offers expensive payment orders. It is suitable for a beginner IP with low revs.

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

Conditions in Sberbank are suitable for a small individual entrepreneur.

The account is drawn up at the bank branch.

Sberbank offers everything business needs.

The largest and most reliable bank in the country.

You can manage your account through a convenient Internet bank

Cost per month is free
Opening cost is free
Payment order cost the first three are free, then 199 rubles
Transfers to an individual up to 150,000 rubles - free of charge, then - from 1%
Internet banking yes, free
SMS informing 199 rubles per month
IOS app there is
Login to Internet Bank login and password or USB key
Cash withdrawal from 5% to 8%
Registration of an invoice online with a visit of a specialist or at a bank branch
Account opening bonuses Help with promotion in Yandex.Direct, myTagret and VKontakte; 30 days of posting a vacancy on hh.ru and 7 days of access to the CV database as a gift; free year of access to 1C: Business Start; free CRM FreshOffice

Advantages

Business registration assistance
Business credit and debit cards
You can buy or rent an online checkout
Own counterparty verification system

disadvantages

Expensive payment orders

7th place. Sphere Bank. Tariff "S"

The project of the BCS bank, known for its investment products. The sphere does not have its own offices and serves clients online. The bank is interesting with built-in accounting for entrepreneurs on the simplified tax system and an account with free service. However, the general set of services for business is still small.

Sphere's services are available in any cities 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 a visit to the bank.

Sphere's clients have access to simple bookkeeping and online cash registers.

BCS maintains a high level of reliability.

The Internet bank works on any device.

Cost per month is free
Opening cost is free
Payment order cost 90 rubles
Transfers to an individual free up to 100,000 rubles, then from 1.5%
Internet banking there is
SMS informing is free
IOS app No
Login to Internet Bank username and password, and then a choice of SMS confirmation or a key fob with a code
Cash withdrawal up to 50,000 rubles for free, then 5%
Additionally free accounting for individual entrepreneurs on the simplified tax system, free electronic signature
Registration of an invoice online with a visit of a specialist
Account opening bonuses 3 months of access to the EKAM inventory system, number 8-800 and 2 months of free telephony from MTT, 30 days of free posting of vacancies on hh.ru

Advantages

Business registration assistance
Free account maintenance
Free built-in internet accounting

disadvantages

Expensive payment orders
Large commissions for cash transactions

8th place. Sovcombank. Tariff "Start"

Sovcombank is a large bank that has become popular due to offers for pensioners and the Halva installment card. He also actively serves small businesses. An account in Sovcombank is quickly opened using a passport. Free service and low-cost payments are available at the starting rate.

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

An account in Sovcombank is suitable for a novice 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.

A free internet bank is available to customers.

Cost per month is free
Opening cost is free
Payment order cost 50 rubles
Transfers to an individual salary - 1%, others - from 1.4%
Internet banking is, for free. Supports all browsers on any device (tablet, laptop, computer, or phone) without a dongle
SMS informing is free
IOS app there is
Login to Internet Bank login and password along with SMS confirmation
Cash withdrawal up to 50,000 rubles - free of charge, then - from 2.5%
Service and issue of a corporate card standard - 500 rubles per year, Halva - 1 999 rubles per year
Registration of an invoice online with a visit of a specialist or at a bank branch
Account opening bonuses No

Advantages

Free account opening and maintenance
Issuing Halva cards in a salary project
Overdraft up to 10,000 rubles when opening an account
Various types of acquiring and online checkout

disadvantages

High fees for cash transactions

9th place. Loco-Bank. Tariff "One's Own Business"

A fairly large and reliable bank that may not be afraid of license revocation in the near future. He is very active in developing his products - for both private and corporate clients. Its tariff is interesting because of the free service and low commissions 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 Tolyatti, opening an account costs 1,500 rubles.

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

The account can be issued without visiting the bank.

The bank offers everything the entrepreneur needs.

A fairly large and stable bank.

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

Cost per month is free
Opening cost is free
Payment order cost 89 rubles
Transfers to an individual from 2% to 10%, to a personal bank account - free of charge
Internet banking yes (support for new browsers, including Safari for Mac)
SMS informing 250 rubles per month
IOS app there is
Login to Internet Bank USB key
Cash withdrawal from 3% to 15%
Registration of an invoice online with a visit of a specialist
Additionally account replenishment at Unistream points - from 0%
Account opening bonuses No

Advantages

The account is issued without visiting the bank
Free account opening and maintenance
Cash replenishment through a large network of partners
Participation in state support for SMEs

disadvantages

Sometimes operations take a long time

10th place. Uralsib. Tariff "Startup"

A large regional bank spread in the Urals and Siberia. He is actively involved in lending and servicing both individuals and businesses. The cost of settlement and cash services in Uralsib, in comparison with 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 for payments in foreign currency is available.

Cost per month 480 rubles
Opening cost is free
Payment order cost the first 3 - free, then - 120 rubles
Transfers to an individual 150,000 rubles per month - free of charge, then - from 1%
Internet banking yes, free
SMS informing 200 rubles
IOS app there is
Login to Internet Bank USB key
Cash withdrawal from 1.5% to 10%
Registration of an invoice at a bank branch with an online application
Account opening bonuses No

disadvantages

Expensive payment orders
Internet banking does not work on all devices

11th place. ForBank. "Initial" tariff

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 a cashback for any expenses paid to it.

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

A free current account is available in ForBank.

The account is quickly issued without a visit to the bank.

The bank offers a variety of services to small businesses.

ForBank maintains a sufficient level of reliability.

Online accounting is built into the Internet bank.

Advantages

Free account maintenance
Built-in online accounting
Free business card with 1.5% cashback
Business registration assistance

disadvantages

This tariff does not provide for operations with foreign currency

12th place. MTS Bank. "As simple as possible" tariff

A large bank controlled by the telecom operator MTS. He develops interesting proposals for both private clients and business. For beginners, it offers a tariff with free opening and maintenance. The bank is suitable for those who work in retail - it is possible to 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.

Conditions in MTS Bank are suitable for a small individual entrepreneur.

The account is drawn up at the bank branch.

MTS Bank offers everything business needs.

All ways to find out the tax number of an individual by passport

What to look for when buying an inherited apartment?

Where is it better to open a current account. Which bank is more profitable to open a current account for LLC. Current account in Promsvyazbank