Which bank is more profitable to open an account for individual entrepreneurs? Where to open a current account for an individual entrepreneur or LLC: favorable rates from banks. Current account for individual entrepreneurs

What does small business want from a bank?

1. Reliability – no one wants to “fly through” having their license revoked. However, the banks themselves will not honestly say that they have problems.
2. Low tariffs - monthly service, withdrawal of funds.
3. No need to go anywhere - good online banking.

Which banks are “in fashion” among entrepreneurs today? We polled our readers, and here is the list (5 most popular):

• Sberbank
• Alfa Bank
• Dot
• Tinkoff
• Vanguard

Sberbank

Offers small businesses big choice package services included in the Sberbank Business Online system. In addition, by connecting a package of seven on the market, you can go through free education at the Sberbank Business School. Thus, opening an account will cost 3,000 rubles, but if you connect to the Optima or Active package, it will be free. Internet banking is free on all system packages from Sberbank. Maintaining an account – 1700 rub.

Transfer to cards of individuals in Sberbank or a third-party bank - 1.1% of the amount, min 150 rubles. The exception is salary contracts, social charity transfers.

To open a corporate card you must submit additional statement and deposit 2,400 rubles into a business account, annual maintenance is 1,200 rubles. Account management is possible in conjunction with the 1C Enterprise system.

Alfa Bank

Offers the following minimum tariff for doing business, called “StartUp”. Opening an account is free. The cost of monthly service in rubles when filling out an application on the website and paying for the year at once will be 818 rubles, but if you pay every month, then – 1090 rubles. Advance payment with a discount for six months - 5450 rubles, for 9 months - 9810 rubles. The package includes the issue of the first Alfa-Cash Ultra card; monthly maintenance will cost 299 rubles.

Connecting to Internet banking RUB 990 is a one-time payment. Mobile banking – 59 rubles per month. Cash deposit per month in the amount of no more than 30,000 rubles. for free.

Free up to five transfers in rubles, then 250 rubles per transfer. The interest rate for cash withdrawal is 2.2%. The commission for transferring to a card in Alfa-Bank will be up to 50,000 rubles. free then 0.5% of the amount up to RUB 5,000. per month, minimum 100 rub. Commission for transfers to another bank is 1%, minimum 100 rubles, transfers up to 50,000 rubles are free.

The service my business - online accounting and alpha bank involve joint integration, where you can automatically receive Bank statements, posting items of income and expenses and sending payments to the bank very quickly.

Bank Tinkoff

Opening a current account – 0 rub. The first two months of use are free, then 490 rubles monthly. Transfer to cards from 1.5%, minimum 99 rubles. Integration with 1C, My business. When an account is opened, a corporate card is issued, directly linked to the account, from which money can be withdrawn.

Dot

Opening an account and connecting to Internet banking is free. Monthly maintenance – 750 rub. Transfers from individuals to a card – 0.5%, but not less than 150 rubles. The bank does not have integration with the My Business, Internet Accounting services. 1C Accounting, but there is change tax reporting for 3500 rub.

Vanguard

Opening a current account using the bank’s website will cost 1,000 rubles, without or urgent opening – 3,000 rubles.
Monthly management fee bank account– 900 rub.
Translation Money within the bank to cards of Avangard Bank holders from 3,000,000 rubles 1%, up to 3,000,000 – 0.5%. The system does not integrate with accounting services. It is possible to link a card to an account.

Comparison of banks by business conditions

In the table we will analyze them according to the three points indicated at the beginning, on a 5-point scale - all assessments are subjective.

Where to quickly open a current account for an individual entrepreneur or LLC

Now in almost any large bank accounts are opened very quickly: you provide documents while they are being checked, you read the agreement, sign, get access to online service, sign the documents on the card attached to the account.

There are branches of large banks where, for some reason, only one responsible person can sign on behalf of the bank, who this moment or on vacation or at a meeting, then you will have to wait (or better yet, go to another bank right away).

In my case, Tinkoff worked the fastest. An hour or two at a branch of Sberbank or Alfa Bank and the account is already ready. But they will most likely issue you a card within a few days. With Tinkoff - half an hour online, then the check and account works, and the card and documents are delivered to your home or office - when it’s convenient.

Hello, dear readers! I came up with the idea a long time ago to write a review article about where and in which bank to open a current account for individual entrepreneurs and LLCs and to collect in it all the interesting offers on banks providing such a service. Therefore, keep a list of the best, in my opinion, banks for opening a current account. I contacted bank representatives and received information from most.

Criteria for evaluation

I propose to evaluate the banks listed below according to the following criteria in order to determine where it is profitable, safe and convenient to open a current account:

1. Cost of opening a current account.
2. Maintenance cost (monthly).
3. Account opening deadlines.
4. Internet banking (availability and cost).
5. Mobile bank (availability and cost).
6. SMS notification (availability and cost);
7. Operation day.
8. Commission for non-cash payments legal. persons.
9. Possibility of transferring physical persons to regular bank cards/accounts (commission).
10. Cash withdrawal through ATMs (commission).
11. Cash.
12. Number of free plastic cards.
13. Synchronization with online accounting “My Business” and “Elba”, etc.
14. Interest on account balance.

If you have a suggestion to expand the list of criteria, write in the comments, we will try. I couldn’t fit all the banks into one table on the website, so let’s go through all the banks one by one.

List of banks

Important We did, i.e. have tariffs without a monthly subscription fee.

We will divide the list into classic jars“veterans”, and to more modern and technological ones.

The “veterans” include:

1. Sberbank.
2. Alfa Bank.
3. Promsvyazbank.
4. Loko-Bank.

Towards more modern and technologically advanced banks:

1. Tinkoff.
2. Modulbank.
3. Tochka (based on Otkritie and Qiwi banks).
4. DeloBank (based on SKB Bank).

If the first group of banks is known to everyone, then the second group is still little known, but I will tell you with full responsibility that I would recommend looking in the direction of the second group. Below we will compare and in conclusion we will draw conclusions on where to open a current account for individual entrepreneurs and LLCs is profitable, safe, convenient, etc.

Open a current account at Tinkoff Bank

1. Cost of service (monthly) - the first 2 months are free, then at the "Simple" tariff - 490 rubles. per month, “Advanced” - 990 rub., “Professional” - 4990 rub. per month. If there were no account transactions in a month, then this month is free.
2. Account opening time - you can use it in 5 minutes.
3. Operating day - from 7:00 to 21:00 Moscow time.
4. Commission for non-cash payments legal. persons - according to the “Simple” tariff, 3 payments are free, the rest - 49 rubles. per payment, according to the “Advanced” tariff, 10 payments are free, the rest - 29 rubles. per payment, according to the “Professional” tariff - 19 rubles per payment. Unlimited payments on the “Simple” tariff – 490 rubles, on the “Advanced” tariff – 990 rubles, on the “Professional” tariff – 1990 rubles. per month.
5. Possibility of transferring physical persons to regular bank cards/accounts (commission) - yes, on Tinkoff cards Bank without commission.
6. Cash withdrawal through ATMs (commission):
   — According to the “Simple” tariff: up to 400,000 rubles. — 1.5%, up to 1,000,000 rub. - 5%, from 1,000,000 - 15%. With each withdrawal, an additional 99 rubles are withdrawn.
   — According to the “Advanced” tariff: up to 400,000 rubles. — 1%, up to 2,000,000 rub. - 5%, from 2,000,000 - 15%. With each withdrawal, an additional 79 rubles are withdrawn.
   — According to the “Professional” tariff: up to 800,000 rubles. — 1%, up to 2,000,000 rub. — 5%, from 2,000,000 rub. - 15%. With each withdrawal, an additional 59 rubles are withdrawn.
7. Cash:
   — At the “Simple” tariff: 0.15%, minimum 90 rubles.
   — According to the “Advanced” tariff: up to 300,000 rub. free, from 300,000 rub. — 0.1%, minimum 79 rub. , 3 refills per month - 990 rubles, per year - 9900 rubles.
   — According to the “Professional” tariff up to RUB 1,000,000. free, from 1,000,000 rub. — 0.1%, minimum 59 rub. 5 top-ups without commission - 1490 rub. per month, 14,900 rub. in a year.
8. Number of free plastic cards - 0 rubles one corporate and salary cards or two corporate and salary cards depending on the tariff.
9. The interest on the account balance is up to 6%.

You can open an account at bank website.

A small conclusion on the bank's proposal. Oleg Tinkov is at his best as always. It has always been famous for the best service. One of the longest operating days, money is transferred instantly, cool mobile app and Internet banking, up to 6% per annum on the account balance, opening without visiting the bank, the first 2 months are free, 24/7 phone support, you can withdraw cash from almost any ATM and much more.

Soon there will be such features as reminders about upcoming taxes, submitting reports to government bodies, verification of partners and contractors, currency payments and friendly exchange control, templates for regular payments etc.

Open a current account in Modulbank

1. The cost of opening a current account is free.
2. Cost of service (monthly) - first tariff - 0 rubles, second tariff - 490 rubles, third tariff - 4500 rubles. per month.
3. Internet banking (availability and cost) - yes, free.
4. Mobile bank (availability and cost) - yes, free.
5. SMS notification (availability and cost) - yes, free.
6. Operating day: 9.00 – 20.30.
7. Commission for non-cash payments legal. persons - 90, 19 and 0 rub. (in order of tariffs listed).
8. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes. For individual entrepreneurs, depending on tariffs: 0.75% up to 300,00 rub., 19 rub. up to 500,000 rub., about rub. up to 1,000,000 rub. For LLC, depending on tariffs: 0.75% up to 100,000 rubles, 19 rubles. up to 200,000 rub., 0 rub. up to 300,000 rub.
9. Cash withdrawal through ATMs (commission): from 0 to 20% depending on the withdrawal amount.
10. Cash deposit: from 0 to 2.7%.
11. The number of free plastic cards is 1 to 5, depending on the tariffs.
12. Synchronization with online accounting “My Business” and “Elba”, etc. - There is.

bank website.

A small conclusion on the bank's proposal. The bank has a free tariff plan. Modulbank operates on the basis of Regional Credit Bank, which is more than 23 years old, convenient mobile application and Internet banking, cash withdrawal to any bank card with low commissions. And, as a representative of the bank said, all current accounts are insured for 1.4 million rubles, which makes us believe in its reliability. By the way, its founder - former manager directions for business in Sberbank Yakov Novikov. I don’t see any cons yet, just like Tinkoff Bank.

Open a current account at Tochka Bank

1. The cost of opening a current account is free.
2. Cost of service (monthly) - depending on the tariff, from about to 2500 rubles.
3. Account opening time - you can use it in 5 minutes, and complete registration - 1 day.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, free.
7. Operating day - from 00.00 to 21.00 Moscow time.
8. Commission for non-cash payments legal. for persons - on the free tariff - payments are free, on the other two 10 and 100 are free, in addition to the package - 60 and 15 rubles.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes.
   — Up to 200,000 or up to 500,000 rubles. free of charge depending on tariffs for individual entrepreneurs.
   — Up to 100,000 or up to 300,000 rubles. free of charge depending on tariffs for LLC.
   — With the free plan, translations are free for individual entrepreneurs and LLCs.
10. Cash withdrawal through ATMs (commission): free of charge on the free tariff, up to 50,000 rubles on the second tariff. - 1.5%, over - 3%, at the third tariff - up to 100,000 rubles. free, above - from 1.5 to 3% depending on the amount.
11. Cash deposit: on a free tariff - up to 300,000 rubles. 1%, over - 3%, on the second tariff any amounts - 0.2%, on the third - up to 1,000,000 free, over 0.2%.
12. The number of free plastic cards is from 2 to 6 free depending on the tariff.
13. Interest on the account balance is not provided. There is a tax cashback of 2%.

bank website.

A small conclusion on the bank’s proposal: Convenient mobile application, and Internet banking, the longest operating day, transfers within Tochka around the clock, transfers to individuals. persons without commissions, created on the basis of Otkritie Bank, which has been on the market for a long time.

Current account in Expert Bank

1. The cost of opening a current account is free.
2. Cost of service (monthly) - depending on the tariff, from about to 3990 rubles.
3. Account opening time - you can use it in 5 minutes, and complete registration - 1 day.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, free.
7. Operating day - from 09.00 to 17.00 Moscow time.
8. Commission for non-cash payments legal. persons: 0, 18 and 78 rub. depending on the tariff.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - no information.
10. Cash withdrawal through ATMs (commission): free withdrawal is not provided for the free tariff. On paid ones - up to 100,000 and 700,000 rubles. for free. Maximum amount withdrawals - $15,000
11. Cash deposit: 0.1%, free at the maximum rate.
12. The interest on the account balance is up to 5%.

You can open a current account at bank website.

A small conclusion on the bank's proposal. Expert Bank is the largest in the Omsk region and has branches in several cities of Russia. There is a free tariff, online account reservation, the bank does not limit the volume of payments, offers a modern Internet bank and increased limits to withdraw cash from corporate cards. When making an advance payment for service, you can get a 10% discount.

Current account in Promsvyazbank

1. The cost of opening a current account is 0 rubles.
2. Maintenance cost (monthly) - from 0 to 2,290 rubles. depending on the tariff.
3. Account opening time is 1 day, reservation 10 minutes in advance on the official website when submitting an online application.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, from 0 to 199 rubles. depending on the tariff.
7. Operating day - from 9.00 to 21.00.
8. Commission for non-cash payments legal. persons - from 3 to 200 pcs. free, over the limit - from 19 to 110 rubles. depending on the tariff.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes, from 0.1 to 10% depending on the amount. An additional charge ranges from 18 to 350 rubles. depending on the tariff.
10. Cash withdrawal through ATMs (commission) - 1.2% on average;
11. Number of free plastic cards - all cards are paid. You can produce any quantity costing from 200 to 990 rubles. per month per card.
12. Synchronization with online accounting “My Business” and “Elba”, etc. - yes! And what’s more, when you open an account, you get 3 months of accounting as a gift.

You can read the terms and open an account at official website of Promsvyazbank.

A small conclusion on the bank's proposal. Promsvyazbank is a systemically important bank in the Russian Federation, which indicates its reliability. Moreover, for last years The bank has become more modern and is constantly developing. Definitely, he deserves you to open a current account with him!

1. The cost of opening a current account is free.
2. Cost of service (monthly) - from 0 to 8,000 depending on the tariff.
3. Terms for opening an account - the account will be ready in 5 minutes, complete registration - 1 day.
4. Internet banking (availability and cost) - yes, included in the price.
5. Mobile bank (availability and cost) - yes, included in the price.
6. SMS notification (availability and cost) - yes, at the maximum tariff - free, at the rest - 60 rubles. for each card.
7. Operating day - from 09.00 to 18.00 Moscow time.
8. Commission for non-cash payments legal. persons: free - 3, 5, 10, 50 and 100 pcs. depending on the tariff. Over the limit - from 16 to 100 rubles.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes. For LLC - 0.5%. At the maximum tariff 300,000 rub. free, then 1.5%. For individual entrepreneurs - 150,000 rubles. free, then 1%. At the maximum tariff - 300,000 rubles. free, then 1.5%.
10. Cash withdrawal through ATMs (commission): at a free rate of 3%, at a maximum rate - 500,000 rubles. free, then 1.4%. At other tariffs - 1.4%.
11. Cash deposit: on a free tariff - from 0.15 to 0.36% depending on the tariff and amount. You can deposit from 50,000 to 500,000 rubles for free. With the free plan, you can deposit cash only with a commission.
12. The number of free plastic cards is up to 5. Free service only in the first year. From the second - 2,500 per year.
13. Synchronization with online accounting “My Business”, “Elba”, etc. is available.
14. The interest on the account balance is up to 3%.

You can open a current account at bank website.

A small conclusion on the bank's proposal. Not long ago, Sberbank developed a new line of tariffs, and now entrepreneurs have access to a free package of services. The bank holds promotions for new clients, so you can get 1 or 3 months of service as a gift. Each tariff provides free payments, and if you open a savings account, interest will be accrued on the account balance.

Open a current account with Alfa Bank

1. 0 rub. opening an account and connecting to Internet banking.
2. 0 rub. Internet banking and mobile bank to manage your account.
3. 0 rub. issuing a business card for depositing and withdrawing cash at any ATM.
4. 0 rub. tax and budget payments.
5. Maintenance cost (monthly) - from 490 rubles. up to 9,900 per month.
6. Commission for non-cash payments legal. individuals - from 3 payments to 30 payments free of charge. At the maximum tariff, all payments are 0 rubles. Over the limit - from 16 to 50 rubles. depending on the tariff.
7. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes. From 100,000 to 500,000 rub. free depending on the tariff. Over the limit - from 1 to 10% depending on the tariff.
8. Cash withdrawal through ATMs (commission) - from 50 to 500,000 rubles. free depending on the tariff, over the limit - from 1 to 10%.
9. There is synchronization with online accounting “My Business” and “Elba”, etc.
10. There is no interest on the account balance, but you can get cashback on taxes of up to 3%.

Additional bonuses:

• 3,000 rub. for advertising on Google.
• 9,000 rub. for advertising in Yandex.
• up to 50,000 rub. for promotion in in social networks.
• Access to all working tools “Bitrix24”, “My Business”, “Contour” for six months free of charge.
• Certificate for recruitment in HeadHunter.

You can open a current account at bank website.

A small conclusion on the bank's proposal. Just like in Sberbank, you can choose for reliability. But the tariffs are less favorable than in Sberbank: there is no free tariff, a small number of free payments and high commissions for physical translations persons. Among the advantages of the bank: cashback on taxes, Gift certificates for partner services and convenient online banking.

Current account in LOCKO-Bank

1. The cost of opening a current account is free.
2. Maintenance cost (monthly) - 0, 990, 4,990 rubles. depending on the tariff.
3. Terms for opening an account - reservation within a minute, full registration - within 24 hours.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, from 150 to 250 rubles. per month, at the maximum tariff - free.
7. Operating day - from 9.00 to 19.00.
8. Commission for non-cash payments legal. persons - 19, 29 and 59 rubles. depending on the tariff.
9. Possibility of transferring physical persons to ordinary bank cards/accounts (commission) - yes, for individual entrepreneurs up to 150,000 rubles. to your account for free, in other cases for individual entrepreneurs and LLCs with a commission from 2 to 10% depending on the amount.
10. Cash deposit - from 0.07 to 0.3% depending on the amount and tariff. At the maximum tariff there is a free deposit.
11. There is synchronization with online accounting “My Business” and “Elba”, etc.
12. There is no interest on the account balance.

You can submit an application and open an account at official website of Loko-Bank.

A small conclusion on the bank's proposal. Loko-Bank offers a free tariff, functional mobile and Internet banking. There is fast online account reservation. But in terms of the cost of SMS information and payments, the bank loses to its competitors.

Current account at Eastern Bank

1. The cost of opening a current account is free.
2. Maintenance cost (monthly) - from 490 to 9,990 rubles. depending on the tariff.
3. Account opening time: reservation within 5 minutes, full registration within 24 hours.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, free. Extended version - 250 rub. for the first issue, 100 rubles. - for the next 2.
7. Operating day - from 9.00 to 23.00.
8. Commission for non-cash payments legal. individuals - 5 and 20 payments free of charge, above the norm - from 16 rubles. There are plans with free payments.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - yes, up to 150,000 rubles. free, up to 500,000 rub. — 0.5%, over 500,000 rub. - 1%.
10. Cash withdrawal through ATMs (commission) - no information.
11. Depositing cash is free.
12. Number of free plastic cards - no information.
13. There is synchronization with online accounting “My Business” and “Elba”, etc.
14. There is no interest on the account balance.

To know detailed tariffs and you can open an account at official website of Vostochny Bank.

A small conclusion on the bank's proposal. Eastern Bank offers free account reservation, full-fledged Internet banking and extended business hours. You can transfer money to personal card no commission, and the cost of payment is one of the lowest among banks.

Current account in DeloBank

DeloBank is a service from the well-known SKB Bank, which has been successfully operating in the banking services market for a long time.

1. The cost of opening a current account is free.
2. Cost of service (monthly) - depending on the tariff, from about to 7590 rubles.
3. Account opening time - you can use it in 10 minutes, and complete registration - 1 day.
4. Internet banking (availability and cost) - yes, free.
5. Mobile bank (availability and cost) - yes, free.
6. SMS notification (availability and cost) - yes, free.
7. Operating day - from 09.00 to 21.00 Moscow time.
8. Commission for non-cash payments legal. persons: on the free tariff, all payments are 87 rubles, on the rest there are 10, 100 and an unlimited number of free payments depending on the tariff, payments over the limit - 25 rubles.
9. Possibility of transferring physical to persons on regular bank cards/accounts (commission) - up to RUR 50,999.99. free, then with a commission, above - from 1 to 10% depending on the amount.
10. Cash withdrawal through ATMs (commission): 2% at SKB Bank and partner ATMs, 3% at other ATMs.
11. Cash deposit: up to 50,000, 200,000 rub. free depending on the tariff, at the maximum tariff unlimited amounts are free, over the limit - from 0.1 to 0.3% depending on the tariff.
12. The number of free plastic cards is 1.
13. Synchronization with online accounting “My Business”, “Elba”, etc. is available.
14. The interest on the account balance is up to 5%.

You can open a current account at bank website.

A small conclusion on the bank's proposal. DeloBank is a new online branch of SKB Bank with a convenient personal account. There is a free tariff, interest on the balance, you can deposit cash and transfer money to individual accounts for free. persons Depending on the connected tariff, you can get 1 or 2 months of service as a gift. And if you pay in advance, DeloBank will provide a discount from 5 to 20%.

Conclusion

If you are just starting out or have a micro-business with a small turnover, then the following are ideal for you:

• Modulbank(free plan).
• Dot(cool service).
• Tinkoff Bank(free 2 months and cheap tariff 490 rubles).
• (there is a free plan).
• (there is a free plan).

If you really like to choose, you can open accounts in both and compare for yourself which is better. It's free anyway ;)

If your turnover is higher (from 1 million rubles per month), then you can use the first 4 (Tinkoff, Modulbank, Expert Bank and Tochka), and you can also consider:

• Promsvyazbank.
• Alfa Bank.
• Sberbank.
• Oriental.

Conclusion

In conclusion, I want to say that the choice is yours. Personally, I believe that the future belongs to technology companies. If you have your own evaluation criteria, write in the comments, you can also suggest other banks for review, but only if they are really better in terms of conditions than those listed in the article. I would also like to ask you to write reviews about the banks where you have current accounts, what you like, what you don’t like, etc.

I hope that the article helped you in choosing a bank to open a current account for an individual entrepreneur or LLC.

A successful individual entrepreneur at a certain moment is faced with the fact that he needs a current account to make transactions for large sums of money with partners. However, finding the right bank for this is not an easy task. From this article you will learn what criteria you need to pay attention to when opening a current account, and which banks provide the most advantageous offers.

Opening an account

Be sure to check how much it costs to open a current account for an individual entrepreneur in the bank that interests you. Most of them have abandoned the paid system and now open current accounts for free. However, among the leading banks there are those that still charge a fee for this, which ranges from 1,000 to 3,000 rubles.

Monthly service

Monthly maintenance also plays an important role. It can also be free or paid. It all depends on the conditions of account management. For example, some banks provide a strictly limited number of free payment cards per month, while additional ones are purchased for a fee. This is where free monthly maintenance accounts make a profit. Paid service implies a larger or unlimited number of payments per month, or a set additional functions.

Internet banking connection

No one wants to waste time in queues at branches, so look for a current account with an online payment function. Then you won't have to waste energy traveling to the nearest bank branch to carry out business transactions.

Tax and budget transfers

It's fairly easy for checking account holders to pay your taxes, especially since some banks are willing to handle this for you. For an additional fee, you can add a service through which the bank will manage all tax and budget transfers.

Interbank transfers

Money transfers always require a commission, but for some accounts it is clearly overpriced, while for others it is quite acceptable. If you know that you will be making a lot of transactions between banking organizations, then you definitely need to pay attention to this criterion.

Cash withdrawal

The conditions under which you open a current account determine how much money you can cash out and at what cost. Accounts usually have rates that break down the amount of money into several steps. For example, you can withdraw up to 50 thousand for free, from 50 to 100 thousand for 1% of the amount, and from 100 to 500 thousand for 3%. In some cases, the commission for cashing out money is included in account maintenance, and then this service is free.

Corporate card

In order to have Free access At any time, an individual entrepreneur will need a corporate card to access their finances. Often they are issued for an additional fee, but it also happens that they come as a bonus to expensive services. The number and features of cards vary from bank to bank, so do your research before opening an account.

Accrual of % on balance

Another bonus that some banks provide to individual entrepreneurs is the accrual of interest. That is, it turns out that your working capital also ends up in a savings account, under the terms of which you are paid interest on the money that you have left at the end of the month. Usually they are not very large, but still a nice addition, especially with inflation conditions.

Online accounting for individual entrepreneurs

Individual entrepreneurs rarely hire professionals and do their own accounting. To simplify this task, a number of banks have decided to create an online accounting function that displays all income and expenses of individual entrepreneurs, helps to prepare a monthly report and calculate taxes payable. A very useful service, it greatly simplifies the workflow, so if you feel like you're about to get lost in the numbers, definitely look for a checking account with it.

Top 10 best banks for individual entrepreneurs - comparison of tariffs

Tinkoff Bank

Tinkoff Business offers a “Simple” tariff for beginners and existing entrepreneurs. “Simple” is aimed at those who are just starting their own business, as it offers them a very profitable terms to open and maintain an account.

• Opening and maintenance for the first six months is free for them, then only 450 rubles per month.
• You can make three free payment orders monthly, subsequent ones for 49 rubles each. The function becomes free if you connect the special application “Interbank - no commission”.
• The fee for withdrawing money from the account ranges from 1.5 to 10 percent, depending on the amount withdrawn.
• The “Simple” tariff supports online banking and has special applications for IOS and Android.
• In addition to basic services, the tariff also ensures promotion of your business on social networks and gives free access to online accounting for 45 days, subsequent days are subject to payment.

Alfa Bank

Alfa Bank's orientation is more towards established individual entrepreneurs who are willing to pay for the services they offer. The “Start” tariff is famous for its security and a set of additional functions that make working with it more efficient.

• Opening an account is free, but you need to pay 490 rubles monthly for maintenance without any discounts or additional conditions.
• All payment orders are paid, from 1 to 6 – 45, all subsequent ones – 150 rubles.
• It is possible to connect personal online banking for 990 rubles per month.
• Cash withdrawals come with a commission ranging from 2 to 11 percent, depending on the amount.
• Makes it possible to issue a corporate card linked to an account for 299 rubles.
• Has a wide range additional bonuses– assists in opening your own online store, promotes your business through social networks, and provides free online accounting services for six months.

Bank "Tochka"

The “Minimum” tariff has become incredibly popular among beginning entrepreneurs due to the fact that it provides most of its functions completely free of charge. On the other hand, it also does not have any additional bonuses or services that might interest entrepreneurs.

• Opening, servicing, cash withdrawal, online banking are free.
• The bank provides assistance in registering an enterprise in the register for 2800, and this includes the state fee.
• Has its own application on IOS.

Modulbank

Modulbank is considered the offspring of Sberbank and positions itself as a bank for small businesses. Its “Start” tariff provides all the conditions necessary for comfortable maintenance of a current account.

• Account opening and maintenance are free.
• Each payment order costs 90 rubles.
• It is possible to withdraw money from the account with a commission of 1.5 to 20 percent, depending on the amount.
• Supports free online banking, almost all transactions can be carried out via the Internet. It also has a very fast and high-quality application for IOS and Android.
• As a bonus, there are gifts from Modulbank partner companies - from Yandex, OZON and others.

Promsvyazbank

The Business Start tariff is suitable for those who do not want to spend money on an expensive current account, but want to receive the entire basic set of services.

• Opening, servicing and withdrawing cash under this tariff are free.
• Payment orders are also not too expensive: the first three are free, all subsequent ones cost 99 rubles.
• There is online banking with a wide variety available services– almost any transaction can be completed via the Internet without coming to a Promsvyazbank branch. Supports a good application for smartphones.
• The tariff also provides loans for small businesses for not large amounts. They have preference when considering applications and processing them.

Sberbank

The biggest Russian bank also did not stand aside and was also pleased with the offer of a tariff for individual entrepreneurs. The “Easy Start” tariff contains everything you need for comfortable work.

• Opening and maintaining an account is free.
• The first three payments are free, but all subsequent ones cost 100 rubles each.
• Stable commission for cash withdrawals – 3% of any amount.
• "Easy Start" is connected to the online bank and opens everything possible services there. There is also an application for smartphones, but it is difficult to use as it slows down the phones a lot.
• The tariff offers an unusual bonus system: business promotion on social networks and a free monthly subscription to the hh.ru website for searching for employees.

VTB 24

VTB 24 is not often mentioned when it comes to servicing small businesses, but in vain. The Business Start tariff allows you to receive a large volume of services for the appropriate payment.

• Opening an account in this case will cost 1,500, but it will be done almost instantly.
• The service will cost you 1,200 rubles per month, but you will have access to free cash withdrawals.
• You will have access to five free payments per month, the rest for an additional fee, depending on the amount of the order.
• The tariff provides promotion on social networks and gives free annual access to online accounting services.

Raiffeisen Bank

Raiffeisen Bank with its “Start” tariff is offered at Russian market a truly European product - there is nothing superfluous in this current account, but the services that are provided are offered for adequate payment.

• Opening an account is free, but monthly service costs 990 rubles.
• This tariff has a fairly reasonable cost for payment orders compared to other offers - only 25 rubles per payment order.
• Cash withdrawals are possible with a commission from 1 to 10 percent.
• Start is connected to online banking and most account-related tasks can be completed through it.

Ural Bank for Reconstruction and Development

This bank can hardly be called cutting-edge, but in terms of offers for small businesses, it has clearly outperformed many competitors. Its “Online” tariff is somewhat similar to the Raiffeisen Bank offer, but has slightly more favorable conditions in some respects.

• Free account opening, service fee – 900 rubles per month.
• The cost of one payment order is only 27 rubles, much lower than most competitors.
• The commission for cash withdrawal is very small - from 1.1% to 7.5%.
• It is especially profitable to open an account with this bank if you are already its client - in this case, you will be guaranteed a 50% discount on the “Start” tariff.

Bank Avangard

Our rating is closed by Avangard Bank with the “Basic” tariff. This offer doesn't really have any special features or bonuses, but it is fairly well balanced in terms of cost-to-service.

• The cost of opening an account is 1000, monthly maintenance is 900 rubles.
• The price for one payment order is not very high - 30 rubles.
• Stable commission for cash withdrawal – 3%.
• Tariff support for online banking and smartphone applications.

A comparison of bank tariffs for individual entrepreneurs is presented in the table:

Let's summarize. We've sorted it out best deals, which are available on the small business services market. You can notice that almost every tariff attracts one or two features that may be important for a certain circle of clients - some need cheap payment cards, some need a low commission for cashing out money, some need a budget current account for starting a business . Now there are no offers that would not lure customers with special bonuses. Decide for yourself what exactly you want from your account, so as not to overpay for services that you do not use. Start from your needs, and then you can choose exactly what you need. Do not forget to check the proposed current account according to the criteria described at the beginning of the article, and then you will definitely find the only one whose set of services suits you.

A beginning individual entrepreneur must open a bank account for storage and circulation of funds. But, as practice shows, the problem is to choose best bank, which will meet the requirements of beginning entrepreneurs in all respects. In fact, the task is quite difficult, because each proposal has its own characteristics and nuances, as well as advantages and disadvantages. In order not to make a mistake with your choice, we present a rating of banks for business, namely those financial institutions, which at the initial stage for individual entrepreneurs will be the most economically profitable and convenient to use.

Selection criteria

It’s worth starting the review with the fact that first of all, budding entrepreneurs should pay attention to some service features, namely:

1. Reliability: first of all, it is worth choosing reliable bank, who will not lose his license with a 99.9% probability, in order to avoid difficulties in the future with returning his own savings.
2. Service tariffs: It is worth noting here that novice businessmen must effectively distribute their assets without spending large sums on maintaining a current account.
3. High level of remote service: in order to perform financial operations, transfer funds and track your account balance using online banking.

These are the most important selection criteria, and it is worth noting that banks offer not only a browser-based version of online banking, but also a mobile application, which will be extremely useful for an entrepreneur. Now let's turn to the rating of Russian banks, there are a number credit institutions, which are in particular demand among individuals and individual entrepreneurs, such banks include Sberbank, Alfa-Bank, Tinkoff Bank and Avangard. This information is relevant today. In addition, there are other banks that are in particular demand - these are Rosselkhozbank, VTB 24, VTB Bank of Moscow. But it is worth noting that the leaders financial market

are not always ready to offer the most favorable terms of cooperation.

Please note that the information provided in the rating is current for 2018.

First of all, we note that on the Internet you can find several ratings compiled both by representatives of small businesses themselves and by professional agencies. Therefore, first of all, of course, it is worth relying on research conducted by experts. But in this article we will present only 10 banks that combine all the parameters necessary for an entrepreneur - reliability, minimum cost and convenient Internet banking.

UBRIR tariff “Online”

The last place in the top ten banks is occupied by UBRD Bank, which offers its users an “Online” tariff; the cost of service per month is only 850 rubles; there is no fee for opening an account. The cost of a payment order is 26 rubles, the cost of SMS notifications is 75 rubles per month, remote maintenance

using the online service, it is supported both in the browser version and in the mobile version. Login to the online bank is carried out via a USB key.

So, let’s return to the parameters and come to a definite conclusion that the monthly service fee is quite low, only 850 rubles, the bank’s reliability is beyond doubt insofar as it ranks 29th in the ranking of Russian banks. In addition, it provides services remotely, however, the “Online” tariff speaks for itself; this offer will be beneficial primarily to those who prefer to control their account through Internet banking.

Raiffeisen Bank tariff "Start" Ninth place in the ranking of the best banks for small businesses is Raiffeisen Bank with the “Start” service package. Here the cost of service is 990 rubles, a payment order costs 25 rubles, SMS notifications cost 190 rubles monthly. Internet banking works in a browser and mobile version.

, entry is via a USB dongle. The advantage is that you can open a current account in one visit to a bank branch, and then you can control your accounts using online banking. Raiffeisenbank occupies 14th position in the ranking according to

financial indicators Intesa service package “Basic” Eighth place - Intesa Bank. E monthly account maintenance - 1200 rubles, cost of payment order 20 rubles, Internet banking works in browser and mobile versions, login is via a USB key. Even though the cost

annual maintenance

In seventh place is AKB Avangard. Here the service fee is 900 rubles monthly, opening a current account is paid - 1 thousand rubles, the cost of a payment order is 30 rubles, SMS notifications are free. Internet banking works in browser and mobile versions, login is via a USB key. Despite the fact that the cost of annual service is not the lowest, the advantage here is that by becoming a client of the bank, he offers additional service, including preferential lending. Position in the ranking by financial indicators – 51.

Alfa Bank - “At the start”

The sixth position for the current year is occupied by Alfa-Bank, an account can be opened for free, the service fee is 490 rubles.

As for payment orders, for the first 5 you will have to pay 45 rubles, from 6 for the next 150 rubles, there is no charge for SMS information, only businessmen from Moscow and St. Petersburg are forced to pay it at a rate of 59 rubles. To connect to Internet banking you will have to pay a one-time payment of 990 rubles. Login to online banking is carried out using a login and password, as well as a one-time SMS code. To receive cash you will have to pay from 2.2 to 11%. Entrepreneurs can also obtain corporate plastic for 299 rubles.

Indeed, the tariffs at Alfa Bank are not the lowest, but the bank is quite progressive, therefore it offers a wide range of services for its clients, in particular, it provides advertising and promotion on Yandex.Direct, provides legal advice completely free of charge, and certificates for recruiting personnel on the Internet. resource HeadHunter, as well as six months of Bitrix24. In addition, it ranks seventh in the ranking in terms of financial indicators.

Sberbank service package “Easy Start”

In 5th position is the largest and most reliable bank in our country, which offers free monthly services and free account opening.

The fourth position is occupied by Promsvyazbank, which does not charge fees for maintaining and opening an account, as well as for payment orders. Among other things, it provides SMS notification service free of charge. There are mobile and browser versions of Internet banking, which can be accessed using a USB key. Promsvyazbank has been among the top ten for several years banking organizations in Russia and ranks tenth in terms of financial indicators.

Modulbank service package “Start”

This is an excellent offer for beginning businessmen, which is why the bank ranks third in the ranking with the “Start” tariff. Within its framework, there is no cost for opening and servicing an account, payment orders cost 90 rubles. Internet banking works in mobile and browser versions. Go to Personal Area You can only use your login and password, as well as a one-time code from an SMS message. As for stability and reliability, Modulbank ranks only 204th place, but it is worth noting that its indicators are growing steadily.

Tinkoff Bank tariff “Simple”

It is no wonder that Tinkoff Bank is popular among small businesses; it ranks second in the ranking of the best banks for entrepreneurs. For the first two months there is no service fee, then 490 rubles, payment orders: 3 - free, subsequent ones for 49 rubles. The main feature of the bank is the best Internet banking with wide functionality and a clear interface; login is carried out via login, password and one-time code from SMS messages. Tinkoff ranks 33rd in the ranking in terms of financial indicators.

Tochka bank tariff "Lowcost"

Within this tariff, the cost of annual service is 750 rubles, there is no fee for opening an account, the cost of a payment order is: the first 5 are free, the next are 50 rubles. Internet banking works in a mobile browser version, login is carried out using a login and password, as well as a one-time SMS code. Within this tariff, the bank offers salary project

to a Rocketbank card.

Based on the results of the presented rating, the best bank for small businesses is Tochka. Although in fairness it should be noted that all 10 presented financial institutions deserve the attention of a potential client. Therefore, before making the final choice, it is wiser to personally consult with specialists from each bank in order to come to a certain conclusion, because the quality of service and other privileges available to banking clients are of great importance.

The best bank for entrepreneurs according to Markswebb

Analytical agency Markswebb conducted a study of commercial banks for entrepreneurs? in order to find out which commercial bank is most profitable to open a current account for individual entrepreneurs. The study was conducted in May 2017, following which the following results were presented on June 1: the best, according to the analytical agency, for entrepreneurs were: Tinkoff Bank, Modulbank and Tochka bank. They offer the lowest cost of monthly service – 490 rubles per month. Plus, they don't charge fees for money transfers individuals for an amount up to 150,000 rubles.

Among other things, there are a number of banks that are extremely unprofitable for entrepreneurs; here are a few examples:

• Rosselkhozbank - 32,800 rubles;
• Ak Bars - 30,140 rubles;
• ATB – 29890 rubles;
• VTB – 26,700 rubles;
• Binbank - 26,300 rubles.

Please note that the cost of service is given for one calendar year.

So, based on the results of several studies, the most profitable bank for small businesses - this is Tinkoff, Tochka Modulbank. Despite the fact that they are not market leaders financial services, they are the ones who are ready to offer the cheapest service for beginning entrepreneurs, plus Additional services necessary at the initial stage. It should also be taken into account that, as add-ons for individual entrepreneurs, banks offer preferential lending, overdraft, corporate cards and more.

According to the legislation of the Russian Federation, individual entrepreneurs have the right to work using exclusively cash in any transactions. However, most individual entrepreneurs still open an account. This makes it more convenient to track finances, because most transactions are between legal entities are paid by bank transfer. Cash payments in the Russian Federation are limited, the limit is 100,000 rubles. In addition, your own account increases the prestige of an individual entrepreneur and inspires greater trust on the part of clients and partners.

The choice of institutions in which you can open an account is large. It's easy to get confused. 10 best banks for individual entrepreneurs according to the terms of cooperation, as well as customer reviews:

• Tinkoff;
• "Dot";
• "Modulbank";
• UBRD;
• Sberbank;
• Promsvyazbank;
• Vanguard;
• Vesta Bank;
• VTB 24;
• Banca Intesa.

Entrepreneurs should choose a financial institution that focuses on customer needs. Signs of such an institution:

• toll-free telephone number for consultation;
• high speed of resolution of disputes;
• fast service;
• positive reviews not only from the media, but also from clients;
• long operating period;
• security of clients and finances;
• Additional services;
• customer loyalty;
• deposits are insured;
• variety of tariffs;
• applications for working online from any device (PC, laptop, tablet, smartphone).

In addition, the institution must be convenient for clients, modern, and reliable. Maintenance should be inexpensive.

Tinkoff is a financial institution where you can make all transactions via the Internet. Conditions:

• opening an account is free;
• service within 60 days – free of charge;
• carrying out 3 payment transactions – free of charge;
• a certain % is accrued on the balance of finances;
• you can take out insurance, submit reports to the Federal Tax Service, issue salary cards via the Internet;
• There is a mobile bank and iOS applications.

Tinkoff – profitable bank for opening an individual entrepreneur account. Especially because the entrepreneur does not need to personally visit the branch of the institution; he can perform all transactions via the Internet.

If necessary, managers can come to the individual entrepreneur’s office to resolve all sorts of issues, conclude an agreement, and so on.

Tochka Bank, part of the Otkritie group. Was recognized as the best in 2015. Conditions:

• opening an account is free;
• discounted service for 90 days;
• free use of online banking;
• accrual of interest on the account balance;
• transfers 24 hours a day;
• There is a mobile bank.

To create your own account at Tochka, individual entrepreneurs do not have to visit a branch. Managers are ready to come to the entrepreneur’s office and conclude an agreement, as well as set up an online bank so that the client can carry out all transactions via the Internet.

Modulbank also provides the service of visiting the individual entrepreneur’s office to conclude an agreement. Conditions:

• in a minimum amount of time after opening a free account, an individual entrepreneur can begin to use the details;
• availability of mobile banking;
• online support service on the website, as well as on social networks;
• confirmation of transactions with a cloud signature;
• iOS applications;
• Business assistant assistance is free.

Modulbank - best bank for individual entrepreneurs based on the analysis of customer reviews.

UBRD offers to open an individual entrepreneur account for 1 trip to the branch. You can use the details one day after the transaction.

In order to speed up the process, you must leave a preliminary application on the website. In this case, managers contact the entrepreneur and discuss the place and time of concluding the contract. The entire process in this case takes no more than 1 hour. Conditions:

• opening an account is free;
• Internet banking connection is free;
• iOS apps available.

Sberbank is one of the most reliable financial institutions in the Russian Federation. Conditions for individual entrepreneurs:

• opening an account is free;
• the ability to apply for opening an account via the Internet;
• the contract is concluded within 1 day;
• the details become available for use a few minutes after the operation is completed;
• free consulting service.

Sberbank is a trusted institution. For many years, this is where people turn to to create accounts, take out a loan or a mortgage.

Conditions for opening an account with Promsvyazbank for individual entrepreneurs:

• free account opening;
• mobile banking;
• 24/7 ability to make payments, seven days a week;
• free verification of counterparties;
• synchronization with “My Business”, “1C”.

Promsvyazbank – profitable bank for individual entrepreneurs. It is one of the financial institutions of the Russian Federation. It is actively developing, including in remote servicing.

Vanguard is a large and reliable commercial establishment. Has a lot of positive feedback from customers. Conditions for individual entrepreneurs:

• paid opening of a current account;
• paid service;
• free notifications about completed transactions via SMS;
• iOS applications.

You can create an account by contacting the branch or by writing an application on the website. In the latter case, the details can be used instantly.

Vesta Bank offers individual entrepreneurs interesting conditions for clients:

• free account opening;
• paid service;
• online bank with support for modern browsers;
• iOS applications.

The financial institution offers individual entrepreneurs the opportunity to discuss the date of drawing up the contract in advance. In this case, by the time the individual entrepreneur arrives, everything Required documents will already be drawn up, which significantly reduces the time for concluding the contract. In fact, all that remains is to sign it.

Which bank is the most profitable for individual entrepreneurs?, depends on the conditions it offers.

Thus, VTB 24 offers clients a choice between 2 tariffs. You can open an account in Start for free, but the service is paid. In General, both account opening and maintenance are paid. Services include online and mobile banking.

Banca Intesa

The credit institution Intesa offers individual entrepreneurs the “My Business” tariff. Conditions:

• free service;
• paid account opening;
• online bank;
• iOS applications.

The best loan for individual entrepreneurs- this is the one for which you need to collect a minimum package of documents, the decision on issuance is made as quickly as possible, and the % is as low as possible. Based on these data, the following proposals have been compiled.

Sberbank offers clients favorable loan"Confidence". For any needs and no deposit required.

Sberbank also offers the following loans for individual entrepreneurs. "Business Start" - intended for beginning businessmen. The loan is issued non-cash. “Business Asset” and “Invest” do not have an upper limit. Requires guarantors. “Business Rent” - to take out this loan you need collateral.

Renaissance Credit invites individual entrepreneurs to apply for a loan on the company’s website. A decision will be made online to issue funds. If the result is positive, you will need to visit the department financial institution. The loan terms are favorable for starting individual entrepreneurs - no collateral is required, the package of documents is minimal (passport and any other document of the individual entrepreneur’s choice).

VTB 24 offers individual entrepreneurs a choice of several profitable loans:

• "Kommersant";
• "For business owners";
• "Kommersant Active";
• "Kommersant Optima";
• "Kommersant Light".

Everywhere a deposit is required.

Rosselkhozbank offers the following loans. “Become a farmer” - for entrepreneurs in the region Agriculture. “Express” - a loan is given for the purchase of non-current and current assets. Does not require a deposit. A guarantor is needed. "Rational loan" - this loan requires collateral.

Basic documents that will be needed to obtain a loan from any credit institution in the Russian Federation:

• passport;
• USRIP certificate;
• military ID;
• extract from the Federal Tax Service;
• tax payment receipt.

The purpose of the article was to provide an overview advantageous offers credit institutions in the Russian Federation on account creation and lending. Presented Better conditions in banks for individual entrepreneurs.