It is beneficial to open a current account for individual entrepreneurs. In which bank to open a current account for an LLC. To open an account for an LLC, you need to provide
Work specifics legal entities presupposes the presence of a current account for an LLC. Banks offer various tariffs for settlement and cash services, each of which is beneficial to a certain category of clients.
Where is it profitable to open a current account for an LLC?
Opening bank account is not the responsibility of a limited liability company, but without it the company will not be able to enter into contracts for an amount exceeding 100,000 rubles and make mandatory budget payments. In addition, each organization sets a cash limit on cash that cannot be exceeded. The surplus is kept in a bank account.
Where it is better to open a current account for an LLC depends on the needs of the company. It is more profitable for a newly organized small enterprise to use an inexpensive tariff with a minimum set of functions. A large organization needs extensive account management capabilities.
When choosing financial institution For settlement and cash services, the following points must be taken into account:
- speed of checking documents and opening an account;
- the cost of opening a current account for an LLC;
- Availability of monthly payments;
- amount of commissions for tax payments and others non-cash payments;
- cash transaction fees;
- availability and convenience of Internet banking;
- duration of the operating day.
In addition, when considering options for where to open a current account for an LLC, you can pay attention to the possibility of registering corporate card, depositing funds through an ATM, providing line of credit and interest on the remaining amount.
Bank requirements
When comparing where it is more profitable to open a current account, you need to pay attention not only to the tariffs, but also to the reputation of the bank. First of all, it must be reliable, since the money of legal entities is not insured and in a situation where the license is revoked, it will be frozen.
It is worth assessing the proximity of the branch of the credit institution and customer focus. A loyal attitude and quick resolution of emerging issues will make the work process easier.
When opening an account for an LLC, it is important to clarify the technical capabilities: remote access to the account, including from mobile devices, user-friendliness of the interface, absence of software glitches, speed of processing payment orders.
Tochka - bank for entrepreneurs
Bank for entrepreneurs "Tochka", operating on the basis of FC Otkritie, specializes in working with corporate clients. The bank does not have branches; service occurs remotely, 24 hours a day. Tochka is one of the banks where you can really profitably open a current account for an LLC; the procedure takes no more than an hour. Interest is charged on the account balance.
Tinkoff Bank also has no branches and operates on the basis remote maintenance. The bank has a high customer focus and is distinguished by the presence of a personal manager. Long operating hours (from 07.00 to 21.00), which is a definite plus for business. The balance is charged up to 8%. Tinkoff Bank - financial institution, where you can quickly open a current account for an LLC with instant provision of details. A credit line is provided.
Another bank focused on corporate clients, working remotely. Modulbank has a convenient Personal Area, available after opening a current account and 24/7 technical support. Account opening occurs instantly. Up to 5% is charged on the balance.
for free | |
from 0 to 4,500 rubles | |
Internet banking | for free |
Transaction fees | 90 rubles for transfer, budget and tax payments without commission |
300 rubles, first year free | |
Issuance of certificates | from 300 in in electronic format up to 800 rubles on paper |
Request processing speed | high |
SMS notification | from 0 to 90 rubles |
There is |
Otkritie Bank has an extensive network of branches throughout the country. When opening a current account, up to 8% per annum is charged on the balance. It is possible to select the necessary tariff options.
The largest bank in Russia also provides the opportunity to open an LLC account, which can be done in one day. It is possible to replenish a corporate card via an ATM. You can activate a completely free tariff.
VTB
You can open a current account for an LLC at VTB Bank, which has a high rating, reliability and a wide network of branches.
A large, reliable bank with a large number of branches throughout Russia. Convenient personal account for account management, there is a personal manager service. Long operating day. Up to 3% is charged on the balance.
Cost of opening a current account | for free |
Monthly subscription fee | from 490 rubles, if there are no transactions, no fee is charged |
Internet banking | for free |
Transaction fees | budget and tax payments without commission |
Cost of registration and maintenance of a corporate card | for free |
Issuance of certificates | from 300 rubles |
Request processing speed | high |
SMS notification | for free |
Possibility of remote account management | There is |
Large European bank with a high degree of reliability - a good choice where to open a current account.
Before opening an account for an LLC, the bank will conduct an audit of the organization's activities. To do this, you will need to provide a package of documents, including constituent documents:
- application for service;
- questionnaire;
- extract from the register of legal entities;
- registration certificate;
- certificate of registration as a taxpayer;
- charter;
- a document confirming the authority of the manager;
- director's passport;
- signature card;
- lease agreement or certificate of ownership of the premises at the location of the LLC;
- licenses and other permitting documentation.
In addition to the required papers, a financial organization has the right to request additional information: a letter of recommendation from another bank, concluded agreements with counterparties confirming activities, data on tax reporting etc. Copies of constituent documents must be certified by a notary or an authorized employee of the bank.
Having a current account for individual entrepreneurs is not prerequisite. It may be needed if a bilateral agreement provides for non-cash payments. The individual entrepreneur will also need to provide a package of documents to the bank:
- statement;
- questionnaire;
- passport;
- registration certificate;
- signature card;
- licenses (if available).
Additionally, they may request notification of codes statistical reporting, extract from the register, cooperation agreements, etc.
Possible reasons for refusal to open an account
A financial institution may refuse to open an account for an LLC if there is evidence of a violation of the law. This concerns the suppression of attempts to legitimize cash obtained by criminal means and preventing the financing of terrorist organizations. Wherein the bank may refuse on the basis of suspicions without having significant evidence. Compliance with these points is controlled by the Central Bank.
In addition, the reasons for refusing cash settlement services are:
- Negative information about business reputation from the bank where the LLC’s current account was previously located. This is especially true when it is closed at the initiative of a financial institution.
- Lack of documents required to open an account.
- Incorrect data about the location of the organization, founders and director.
- Inconsistency with the actual type of activity OKVED data;
- Negative information about the director provided by the security service, including involvement in crime.
The bank's work with legal entities is carefully checked by regulatory authorities. Systematic violations will lead to revocation of the license, so the percentage of refusals in cash management services is quite high. This is especially true for new organizations engaged in certain types of activities, such as transport services.
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 another reason: the limit on cash transactions within one agreement is only 100,000 rubles. Below we will describe in detail how to open a current account for individual entrepreneurs in 2020.
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 the business. The funds used in the business pass through the account, and this is not the individual’s personal money. They can become such only if the individual entrepreneur withdraws them from the account or transfers them to an individual’s card marked “for personal needs.”
When choosing a bank for an individual entrepreneur, the following points are important.
- Distance from place of work. Do you plan to process money transfers using regular paper payments, regularly collect statements and deposit cash? Then you need to choose a bank that is closest to your workplace or on your way from home to work.
- Operating mode. The longer the working day at the bank, the better. For Internet banking clients, this nuance is also important - all operations, even electronic ones, are carried out strictly during bank business hours.
- Availability of 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 asking to check receipts. It is enough to open the desired page on your computer and update it regularly at any time and from anywhere. Some banks offer mobile versions online banking for tablets and smartphones.
- Additional business tools. As part of the Internet service large banks offer built-in consulting products - generating payments, checking counterparties, receiving statements, certificates, reconciliations, etc.
- Convenient tariff plan. You can profitably open a bank account for an individual entrepreneur by comparing offers and choosing the minimum tariff. But be sure to check what's behind it. Banks charge both for opening an account and for its monthly maintenance. Free opening often does not mean the cheapest tariffs, as well as a special offer with free service for the first 1-2 or 3 months. Estimate in advance how much monthly maintenance will cost after the grace period.
A bank for individual entrepreneurs must have a reliable reputation, a high rating, be on 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 2020. They offer the most profitable terms cooperation for entrepreneurs.
Are you planning to open a current account? Open a current account in a reliable bank - Alfa-Bank and receive for free:
- free account opening
- first account in foreign currency
- certification of documents
- Internet bank
- and much more
What fees 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 following payments.
- Monthly maintenance. 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.
- Connecting a remote service. Payment for Internet banking services is either included in monthly payment, or charged separately.
- Regular remote maintenance. It is not enough to pay to connect to the service; you will also have to pay for its use, because the system is constantly updated, new tools and capabilities are added.
- Processing payments. Not all banks have a commission for each payment; there are package offers with a fixed number of free transactions.
- Cash withdrawal. You will have to pay for each withdrawal set by the bank percentage or specified amount.
When assessing where to open a current account for the business needs of an individual entrepreneur, calculate all payments. It may turn out that in a jar with minimum fee or charging nothing at all for opening an account, high service fees and the provision of remote services.
What is needed to open a bank account for an individual entrepreneur
You can open a bank account for an individual entrepreneur only upon application. Copies of the following documents are attached to it:
- passport - all pages;
- certificate of registration as an individual entrepreneur or registration sheet of the Unified State Register of Individual Entrepreneurs;
- tax registration certificate;
- notification from Rosstat with statistics codes.
- license (if available).
The application itself is filled out on the bank's form - everyone has their own. Having collected the above package, go to your chosen credit institution.
What documents are required when opening an account?
Contact your consultant with a question about how to open a current account for an individual entrepreneur and tell him that you have the entire package of documents with you. You will be taken to see a specialist in working with entrepreneurs. Next, you need to complete the following mandatory papers.
- customer profile;
- agreement for opening a current account for an individual entrepreneur;
- contract for maintenance and connection of Internet service;
- card with sample signatures.
All this is completed within one day. Usually the account is ready for use the very next day - the client is given its number and registered in the online banking system. But it is activated only after payment for the account opening service. Banks charge it differently - some charge it from the first receipt into the account, while others practice payment in cash at the cash desk.
The registration procedure itself bank office takes a lot of time. Pre-booking will help you save money. To do this, just leave an application on the bank’s website to open a current account. The manager will contact you, clarify the details and send you to email forms. Once completed, they must also be sent to the manager. After this, the time of the visit to the bank is agreed upon. When the client arrives, everything is ready - all that remains is to resolve the issue of payment.
What to do immediately after opening an account
Until May 2014, there was an obligation to mandatory notify the Federal Tax Service, the Pension Fund of the Russian Federation and the Social Insurance Fund about the opening and closing of a current account. 7 days were given for this. The amendments to Federal Law No. 59 dated 04/02/2014 that came into force canceled this obligation. Now banks independently notify the tax authorities, Pension Fund and social insurance on opening and closing 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, indicating “withdrawal of money for personal needs” in the purpose of payment. The card must belong to the same individual as the individual entrepreneur’s current account.
An enterprise, if it operates and pays taxes, cannot fulfill its duties as a taxpayer without a current account. The reason is the requirement of Article 45(3) of the Tax Code of the Russian Federation. According to this norm, the obligation to pay tax is considered fulfilled from the moment the order for transfer to the budget is presented. If the company has not yet started real activities after registration, and there is no taxable property on its balance sheet, then for some time you can do without a visit to the bank. But sooner or later, the head of the company will be faced with the question - in which bank to open a current account for the LLC?
We list the criteria that potential clients consider important when opening a current account:
- reputation of the credit institution financial market;
- a wide network of branches and offices;
- speed of execution of the contract and other documents (ideally in 1 day or visit);
- favorable rates service;
- convenient and intuitive online banking interface;
- transaction speed;
- customer focus.
Undoubtedly, all this has important for the convenience of non-cash payments. But when deciding which bank is better to open an account for an organization, you need to pay attention first of all to its reliability and stable financial position.
If the bank in which the LLC accounts are opened, then the legal entity will be in more difficult situation than IP. Since 2014, individual entrepreneurs like bank clients, are equal to ordinary individuals. This means that they are subject to a guarantee of return of funds in the current account in the amount of no more than 1.4 million rubles. LLCs are classified as third-priority creditors, so the money will be returned only after the claims of the first and second-priority creditors are satisfied. Of course there is high risk that payments will never reach legal entities.
Will you be concerned about the speed of opening an account or the courtesy of bank staff if credit rating bank is critically low, but the risk of license revocation is high?
How to assess the financial condition of a bank
All credit institutions are required to openly publish information about their activities. On the website of the Central Bank in free access banks' reports are posted: on financial and tax results, amount of capital, compliance with mandatory standards.
But although the information is open, it is impossible to understand it without special education It's hard enough. When choosing where to open a current account for a company, you can refer to the ratings compiled by independent professional agencies:
- international (S&P Global Ratings, Moody's, Fitch Ratings);
- Russian (Rus-Rating, Expert RA, NRA, AK&M).
When choosing organizations to open an LLC current account, we were guided by three important criteria:
- Net asset size (in rubles). This is the amount equity bank and liabilities (money from clients - individuals and legal entities, interbank loans and other funds raised).
- Creditworthiness. This is the bank’s ability to issue loans for short and long terms, taking into account interest rate, target direction and conditions for issuing loans. Credit score varies rating agencies assessed on their own scale. Most often, the rating is indicated by the Latin letters A, B, C, D with the addition of the signs “+” and “-” and the forecast (negative or stable).
- Enterprise funds (in rubles). The higher the degree of trust of a business in a particular banking institution, the more own money placed in it by legal entities and individual entrepreneurs. This is a kind of voting with rubles on the question of where to open a bank account.
The best Russian banks
From the top 30 Russian banks according to the banki.ru portal, we selected 5 credit institutions that, in our opinion, are best suited for opening an LLC account.
Alfa Bank. Provides a complete package banking services for all categories of clients, but is especially loyal to small businesses just starting their business. A special “StartUp” tariff plan has even been developed for them with free registration LLC accounts and cards with sample signatures. When paying for banking services in advance, you can save from 17% to 25% of the cost of tariffs.
Opening. According to banki.ru, it was recognized as “Bank of the Year 2015”. As part of the loyalty program for users, 1C-Start offers to open a bank account for LLC for free. The first three months of service and use of online banking will also be free. If we also add bonuses from partners, then this financial corporation can be called number one in the category “Where is it more profitable to open a bank account.”
Sberbank of Russia.If in the question of which bank to choose for your enterprise, you are guided primarily by the size of assets, then the leader, of course, will be Sberbank. This is the largest credit institution in Russia and the CIS, with the most extensive network of branches and divisions. 50% authorized capital Sberbank plus one voting share belongs to the Central Bank of the Russian Federation. Recent years leadership joint stock company actively working to improve service. Positive customer reviews allowed Sberbank to receive the title of institution with the best customer support 2015 according to banki.ru.
VTB. Another bank with state participation. Consistently ranked among the TOP 5 banks in Russia according to all significant criteria. For business representatives participating in government procurement, it provides guarantees to ensure obligations under contracts.
Tinkoff Bank. It takes first place in the Business Banking Fees Rank 2017 in terms of the cost of servicing small businesses and first place in terms of the cost of servicing B2B services. Second place in the independent national rating of banks on banki.ru for quality of services. Ideal for start-up organizations and for all those who are not ready for serious expenses on banking services. The cost of tariff plans includes not only maintaining a current account, but online accounting.
Even though it is permitted by law entrepreneurial activity without a current account, but many Russians still decide to activate this service. This is due to several reasons. Cash payments in our country are allowed only up to 100 thousand rubles. If an organization has an account, this increases its credibility. Where is the best place to go to open it? The rating of banks for individual entrepreneurs will help with this. Each institution offers its own terms of cooperation.
Why do you need an account for an individual entrepreneur?
When you open a current account, you have the right to several operations:
- registration of civil documents;
- performing transactions for large amounts;
- the ability to send funds to legal entities;
- concluding contracts with employees and paying them.
An invoice is required if the entrepreneur takes at least 100 thousand rubles. In its absence, an agreement must be concluded for each delivery. As a result, it will be more expensive and take longer. Moreover, with the help of the bank, the conclusion of documents is more convenient. The organization provides a personal manager who will answer questions about using the account at any time.
Opening an account
The procedure does not require much time. You just need to contact the bank. During this process, all rules must be followed, as it is legally binding.
All entrepreneurs decide for themselves whether to open an account or not. The law of the Russian Federation allows an individual to establish an individual entrepreneur without it. But then many procedures will be inaccessible, since large retail stores and other children operate only by bank transfer.
Bank selection
- convenience;
- profitability;
- high customer orientation.
Convenience presupposes use modern technologies at work. This means that the credit institution makes payments through verified channels. Often to speed up the process between large companies mutual settlement agreements are concluded. Clients are encouraged to use online programs to manage their accounts. In this case, you do not need to visit the bank office.
The benefit involves collecting small fees for servicing the account. Banks often charge funds for:
- opening an account;
- its management;
- connection to services for remote maintenance;
- online service;
- withdrawal of funds.
Some banks set fees for transferring money. Before opening an account, it is important to familiarize yourself with the rates by comparing them.
Peculiarities
Customer oriented. They do everything to make the work of the individual entrepreneur convenient. Customer focus includes:
- availability of telephone for consultations;
- speed of service;
- positive reviews about the company’s work;
- presence of branches;
- rarity of software failures;
- extended operating day;
- Availability of high-quality encryption channels for security.
In Russia, many institutions are ready to work with entrepreneurs. for individual entrepreneurs is compiled based on the benefits of clients. After reviewing all the programs, you will be able to choose the appropriate option.
Tinkoff Bank
- free account opening;
- 2 months of free service;
- Beginning entrepreneurs are invited to sign up for the “Simple” tariff, which includes six months of free service;
- free up to 10 payments;
- if there is no turnover, there is no need to pay a commission;
- integration into online accounting systems “My Business” and “Kontur”.
Many believe that Tinkoff Bank is the most suitable for business, since it charges interest on the balance, which can be equal to 7%. Services available online - submission of reports to the Federal Tax Service, registration of insurance and salary cards. Payments are made until 21:00. Tinkoff Bank performs all operations via the Internet, which saves time.
Bank "Tochka" (Otkritie group)
The organization continues for individual entrepreneurs. It is also beneficial for the development of your activities. For the first 3 months of service a 70% discount is given. The balance is charged 7% per annum.
Opening an account is very simple. Specialists come to the office, conclude an agreement, and set up the client bank for activities via the Internet. Opening is free of charge. The advantages include long Internal transfers are carried out throughout the day, and external ones - from 0:00 to 21:00 Moscow time.
"Modulbank"
The rating of banks for opening individual entrepreneurs includes Modulbank. Opening an account is free of charge. This is completed in 1 day. If you wish, you can order a specialist to come to the office, where the documents will be drawn up. The advantages of Modulbank include:
- use of details 5 minutes after opening an account;
- free service for using an online account;
- customer support via online chat, social networks;
- there are mobile applications;
- the operating day lasts from 9 a.m. to 11 p.m.;
- synchronization with accounting systems.
Payments are confirmed by cloud signature and SMS.
UBRD
The rating of banks for opening a current account for individual entrepreneurs also includes Development. You just need to visit the office. A day later the client will have the details. You can fill out an application through the website. Employees call and agree on a deal at a convenient time. Then the account is opened in 1 hour.
UBRD offers tariffs for which there is no account maintenance fee. You just need to pay for the operations performed. Internet banking is provided free of charge. If you are connected to the Light tariff, you will also not have to pay for using the account. To improve security, you can activate the service of informing about completed actions. Then it will be convenient to control movements in the account, because reports will be sent by email.
Sberbank
The institution is also included in the rating of banks for individual entrepreneurs. The current account is issued on favorable terms. Sberbank operates the “Business Environment” project, created to support entrepreneurs. You can open an account with it. A service contract is drawn up within 1 day. Details will be provided after 5 minutes.
Opening an account is free. You can choose one of 50 currencies. The advantage is the long operating day. Payments are made from 6 a.m. to 11 p.m., seven days a week.
"Promsvyazbank"
It offers favorable rates for individual entrepreneurs. Opening an account is free and you can use mobile and online banking. The advantages of such cooperation include:
- 24/7 online payment processing;
- quick and free verification of counterparties;
- synchronization with accountants in 1C and “My Business”.
With this account you can save time and money.
"Vanguard"
- Account verification.
- Accrual of money.
- Receiving and depositing cash.
- Transfer of salaries to cards.
Each entrepreneur must determine for himself which account will be the most profitable for him. Bank ratings for individual entrepreneurs only serve as assistance in this matter. It is advisable that the organization’s offices are located nearby, since many procedures will require a personal visit.
It is also important to have professional telephone support. The listed institutions offer favorable conditions, and therefore cooperation with them will be effective.
And has the right to make only cash payments, observing set limit 100 thousand rubles. However, by working in this way, you deprive customers and clients of the opportunity to pay by card or online, and you deprive yourself of the convenience of managing your money. There is an abundance of offers in the financial market, and we decided to figure out which bank is better to open a current account for individual entrepreneurs in 2020.
Criteria for choosing a bank for individual entrepreneurs
What should be the best bank to open an individual entrepreneur account? Reliable, easy to use and inexpensive to maintain. But that is not all. A typical entrepreneur's business is retail a store, where most buyers pay in cash. At the same time, payments with suppliers are carried out, as a rule, by bank transfer. Accordingly, the commission percentage when depositing cash into the account should be profitable.
Another important issue for an entrepreneur is the ability to transfer money for personal needs without extra costs. Good way do not pay a commission for cash withdrawals - apply for a card in your name as an individual. If such a card is opened in the same banking institution as the individual entrepreneur’s account, then no transfer fee is charged. The main thing is that the owner of the card is the entrepreneur himself, and not his spouse, for example.
In our opinion, the best bank for individual entrepreneurs must meet the following necessary criteria:
- Enter . Since 2014, entrepreneurs have been equated to ordinary individuals. This means that if a bank’s license is revoked, they are guaranteed a refund, but not more than 1,400,000 rubles. In this sense, an individual entrepreneur is in a better position than an LLC, because such a guarantee does not apply to organizations.
- Offer different tariff packages of services and special credit products. It is important for small businesses to be able to choose only the services they need, so as not to incur unnecessary costs. Many banks offer inexpensive tariff plans, within which a limited number of payments are made, restrictions may also apply to the amount of turnover per month or year.
- Allow operations to be carried out current account from any device connected to the Internet. If we talk about convenience, the online payment function is the main criterion when choosing the best bank for small businesses.
Less significant, but also important signs of the best bank include the cost of opening a current account, the speed of transactions, the presence of many branches and branches in different cities.
To select a current account, try our bank tariff calculator:
Are you planning to open your own business? Don't forget to reserve your current account. To select a current account, try our bank tariff calculator:
The calculator will select the most advantageous bank offer for settlement and cash services for your business. Enter the volume of transactions you plan to make per month, and the calculator will show the tariffs of banks with suitable conditions.
Our rating of the best banks for individual entrepreneurs in 2020
International and Russian rating agencies compile ratings based on financial indicators: assets, profit, creditworthiness. Of course, a good bank should not only offer favorable conditions to clients, but also take care of its financial stability. When compiling our rating, we took into account the opinion of professional experts, customer reviews and the criteria discussed above for choosing the best bank for individual entrepreneurs.
From the top 30 banks according to the portal banki.ru (the rating is compiled using public reporting on the Central Bank website), we have selected five institutions in which we recommend opening an individual entrepreneur account in 2020.
Tinkoff Bank. Ranks first in the Business Banking Fees Rank 2017 in terms of cost of service Individual entrepreneurs and first place in terms of cost of servicing a B2B service. Second place in the independent national rating of banks on banki.ru for quality of services. Ideal for beginning entrepreneurs and for all those who are not ready to spend heavily on banking services.
Alfa Bank. Main directions: full complex of cash settlement services, corporate and investment business, leasing and factoring, trade finance. Our users, by opening an account here, receive additional bonuses: promo code for advertising in Yandex.Direct, free month of Beeline communications, certificate as a gift for recruiting from HeadHunter.
Bank opening. The bank has been operating in the financial market since 1993 and is included in the list of systemically important credit organizations Russia. Serves 2.7 million individuals and about 190 thousand legal entities. Present in 61 regions of the Russian Federation, has 442 offices. Supports beginners and experienced participants foreign economic activity, accompanies and finances foreign trade contracts on favorable terms.
Sberbank. The largest credit institution in Russia, with a reputation for being the most reliable bank. IN last years is actively working to improve service, which allowed it to receive the title of the bank with the best customer support of 2015 according to banki.ru.
VTB. A bank with state participation, which enjoys special trust from individuals. According to all significant indicators, it is consistently included in the TOP 5 banks in Russia. For small businesses participating in government procurement, the bank provides guarantees to secure obligations under contracts.
Comparison of RKO tariffs
The more transactions are carried out on the account, the higher the cost of servicing. Let's see what expenses an individual entrepreneur will have when maintaining an account in the top five banks.
Bank and | Alpha | Tinkoff Bank | Sberbank | VTB "Start" | Opening |
---|---|---|---|---|---|
Opening an account | Card certification 450 rub. | Card certification 200 rub. | |||
Service per month | 490, first 2 months free | 0 | 1000 rub. | 0 | |
Cost of electronic payment | 3 payments free, then 49 rubles. | up to 3 payments free, then 199 RUR | up to 5 payments are free, then 100 rubles. | up to 3 payments free, then 100 rubles. | |
Transfer for personal needs of individual entrepreneurs | Up to 100,000 rub. per month free of charge, then 1%, not less than 100 rubles. | 150,000 per debit card, 250,000 for credit | Up to 150,000 rub. free per month, then 1% | 1% of the amount up to RUB 600,000, then from 3% | |
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