Convenient jars for individual entrepreneurs. Open a current account for an individual entrepreneur: which bank is better. Criteria for choosing a bank for business
January 2019
One of the primary issues that arises when starting a new business is opening a current account. For individual entrepreneurs, this procedure is not mandatory, although it is used by many entrepreneurs for convenience. financial transactions, but for an LLC a current account is required. About where it is better to open a current account for an individual entrepreneur or LLC at the most comfortable conditions and will be discussed in this article.
Opening a bank account for an individual entrepreneur or LLC
A current account is an account that is opened in a bank by a legal entity or an individual for the purpose of storing Money. With its help, current calculations are carried out in non-cash form. The client can open several such accounts in one bank (they may differ in the currency of the account, as well as special purpose funds for them may be different).
You can open a current account through an online application on the website of the selected bank. Usually the account is opened within 24 hours from the date of application. It is not necessary to visit the bank for this.
The complete package of documents required to open an account is individual for each bank. The final list of documents will be influenced by the type of account being opened, as well as the legal status of the organization. Required documents you need to look directly on the bank’s website where you plan to open a current account.
A sample list of documents for individual entrepreneurs and LLCs can be found below.
Which bank to choose for an individual entrepreneur or LLC - 5 best banks
To understand which bank to open a current account for an individual entrepreneur or LLC, you first need to decide on the basic criteria that such a bank must meet. There are many such criteria, but here are the most basic and important of them:
- fee for opening a current account;
- monthly cost of its maintenance;
- minimum percentage for account transactions (deposit/withdrawal, as well as transfer of funds);
- convenience and availability mobile banking(a specialized application must be simple and understandable to use);
- accrual of interest on the balance of funds;
- high rating and reliability of the financial structure in which you plan to open an account (the rating of the most reliable banks can be found in the corresponding article).
It should be noted that all prices listed below are relevant for Moscow and the Moscow region. The cost of services in other regions may vary.
This is a young online bank for entrepreneurs, which is a branch of SKB Bank. To open a current account there are five interesting ones: tariff plans. The main features of each are described below:
- "Profitable start." Main distinctive features This tariff includes free account opening and free monthly maintenance. There is also a free transfer within the DeloBank and SKB-Bank networks. There are no free external payments - the cost of one transfer is 87 rubles. The commission for depositing funds into the account is 0.3% (without commission you can deposit up to 50 thousand rubles per month).
- "Active growth" Monthly service at this rate will cost 792 rubles. - if you pay for the package one year at a time. If you pay monthly, the price will increase to 990 rubles. for a month of service. The tariff includes 10 free payments, from 11 a fee of 25 rubles is introduced. for the operation. You can deposit cash for free up to an amount of 50 thousand rubles, above which a commission of 0.2% is introduced.
- "More possibilities". The cost of this package is 1432 rubles. per month if paid for a year at once (RUB 1,790 - if paid every month). The tariff includes 50 free payments, with 51 payments it will cost 25 rubles. It is possible to deposit cash free of charge up to an amount of 150 thousand rubles, then - 0.2% of the amount.
- "Reliable solution." For this package you will have to pay from 2480 to 3100 rubles. per month (price conditions are the same as for the two previous tariffs). It includes: 100 free external payments (from 101 the cost per transaction will be 25 rubles), depositing cash through an ATM or bank cash desk up to 200 thousand rubles. (above this amount a commission is introduced - 0.1% of the contribution amount).
- "Major League". The tariff is estimated at 6072 rubles. per month with a 20% discount. Regular monthly price is RUB 7,590. This plan boasts an unlimited number of free external transfers, as well as commission-free cash deposits without any restrictions.
For each of the four paid tariffs there is a promotional period when opening an account. “Active Growth” will be serviced free of charge for the first two months, the remaining three tariff plans will be serviced for free for one month. Also, all paid tariffs will be charged annual interest on the account balance: if the amount in the account is over 50 thousand rubles. (up to 300 thousand rubles) - 2.5%, over 300 thousand rubles. - 5%.
The most detailed information on each tariff can be found.
Open an account
This organization is the most profitable bank for individual entrepreneurs, according to the analytical agency Markswebb.
Perhaps no one will deny that this company has one of the most convenient systems online banking, and perhaps the most convenient. Another advantage of the bank is the long payment day, which lasts from 01:00 to 20:00 (for third-party Moscow banks), and inside the bank it is completely 24/7.
There is also a nice bonus in the form of free account maintenance for several months, depending on the conditions:
- each new user - 2 months;
- if the person who opened the account came from a bank with a revoked license - 3 months;
- if the client has just registered an individual entrepreneur - 6 months;
- if the client has made an advance payment for a year - +2 months.
Interest will be accrued on the current account opened here - up to 6% per year on the balance.
Tinkoff Bank presents three tariffs:
- "Simple". Monthly service for this tariff is 490 rubles. You can make three transfers to another bank for free (after that you will have to pay 49 rubles for each). Commission for transfer to an individual’s account and withdrawal of funds up to 400 thousand rubles. - 1.5% + 99 rub. Topping up your current account is subject to a commission of 0.3% (but not less than 290 rubles).
- "Advanced". Its monthly cost will be 1990 rubles. The tariff includes 10 free payments, from 11 each subsequent one will cost 29 rubles. For translation to an individual and withdrawal of funds up to 400 thousand rubles. a commission of 1% + 79 rubles applies, for replenishment - 0.25% (minimum 290 rubles).
- "Professional". You will have to pay 4990 rubles for it. per month. This tariff does not provide for free payments (the cost of each is fixed - 19 rubles). Transfer funds to an individual's account. persons and can be withdrawn with a commission of 1% + 59 rubles. (up to an amount of 800 thousand rubles). You can top up your account by paying a commission of 0.15% of the amount (not less than 290 rubles).
Opening a current account for each tariff is free.
You can find all the available information for each tariff.
Open an account
This bank is one of the most popular among entrepreneurs, since it specializes in servicing exclusively this category and provides Better conditions for individual entrepreneurs.
To open an account in this organization, three tariffs are presented: “Required minimum”, “Golden mean” and “All the best at once”. Open an account and connect mobile bank is free for each tariff. Monthly fee - 0, 500 and 2500 rubles. accordingly (without discount). For the “All the best at once” tariff, the first three months of service will cost 500 rubles. per month. If the package of services is paid for a year at once, then the prices are 0, 450 and 2000 rubles per month. In case of zero turnover in the account within billing period you will not have to pay for service (this applies to all tariffs).
The number of free payments to the account of an LLC or individual entrepreneur: unlimited for the “Required Minimum” tariff - this tariff plan can be activated only on one account in your company, 10 - for the “Golden Mean” (above this number a fee of 60 rubles is introduced for the transfer ) and 100 - for “All the best at once” (from 101 - 15 rubles per translation).
You can withdraw cash and transfer funds to an individual’s account without commission at the “Required Minimum” tariff. “The Golden Mean” allows you to transfer individual entrepreneurs for free up to 200 thousand rubles. per month. The following commission applies to cash withdrawals: up to 50 thousand rubles. - 1.5% (but not less than 100 rubles), above this amount - 5% (minimum 100 rubles). For the “All the best at once” tariff there is a limitation of free monthly transfer to individuals with individual entrepreneurs in the amount of 500 thousand rubles. Withdraw cash up to 100 thousand rubles. per month without paying a commission. 3% of the amount will have to be paid if the amount of funds withdrawn is in the range from 100 to 400 thousand rubles. and 8% - more than 400 thousand rubles.
Also, Tochka Bank has the longest payment day: 24 hours a day - intrabank transfers, 20 hours (from one in the morning to nine in the evening) - other bank counterparties.
For a detailed overview of the tariff plans, follow the link.
Open an account
This is popular among the population and reliable financial structure is one of those where it is more profitable to open a current account.
To sign up for a package of services there is no need to visit bank branch- the manager himself will come to the specified address. The account will be opened and available for use within 24 hours (you can obtain account details without presenting the necessary documentation and visiting the bank in 10 minutes). The Internet banking system here is very convenient and can compete with Tinkoff Bank.
To open a current account for any turnover and purpose, the bank offers five tariffs: “Tariff “1%”, “Electronic”, “Success”, “Alfa-Business Foreign Economic Activity” and “Everything you need”. The main features of each of them are presented below.
Open an account
The main activity of this organization is working with small businesses. Opening a current account is easier here than anywhere else. Opening an account takes 5 minutes and occurs online. Also, your visit to the bank is not required - within 24 hours you will meet with a specialist and sign an agreement.
Opening an account here is free. It is possible to receive interest on the account balance if a paid tariff is activated (up to 7%). An important advantage of this company is the ability to open a current account without a subscription fee (0 rubles per month). There are also two more paid tariffs.
On this moment Three tariff plans are available for connection on the website: “Start”, “Optimal” and “Unlimited”. Below are the main characteristics of the free Starter package:
- opening a PC and monthly fee - 0 rub.;
- fee for each transfer - 90 rubles;
- commission for withdrawal of funds - 2.5% (up to 100 thousand rubles);
- commission for replenishing an account from your card or through ModulBank, Unistream or Binbank terminals is 0.5%.
Below you can find brief description other tariffs ( Full description all packages can be seen).
Open an account
Comparison table of banks for individual entrepreneurs or LLCs
For comparison, the cheapest tariffs from the line for each bank will be used. Below is a table with the most significant indicators for such tariffs for each of the above organizations.
Bank | Opening fee | Monthly cost | Commission for payment order | Commission for depositing funds | Commission for withdrawal of funds |
DeloBank "Profitable Start" | 0 rub. | 0 rub. | 87 rub. (no free transfers provided) | 0-0,3% | 3% |
Tinkoff Bank "Prostoy" | 0 rub. | 490 rub. | 49 rub. (3 free operations) | 0.3% (minimum RUB 290) | 1.5% + 99 rub. |
Point "Required minimum" | 0 rub. | 0 rub. | 0 rub. | 1% | 0% |
Alfa-Bank "Tariff "1%" | 0 rub. | 0 rub. | 0 rub. | 1% | 0% |
ModuleBank “Start” | 0 rub. | 0 rub. | 90 rub. | 0,5% | 2,5% |
Drawing conclusions
This article will help a novice entrepreneur make a choice financial organization, in which it is better to open a current account, as well as choose the most suitable tariff plan. It is impossible to say unequivocally which of the above banks and tariffs is the best.
Video on the topic
Despite economic crisis, there are more and more opportunities for earning money lately. Many people decide to leave their usual place of work and become individual entrepreneur. However, in order to run a business profitably, you need to know all the nuances. It is definitely worth deciding where it is more profitable to open a current account, which one best bank for individual entrepreneurs. The following will describe the best financial institutions with which you can cooperate in running your own business.
"Modulbank"
The work of this financial institution is specifically aimed at private entrepreneurs. Acquiring, accounting, payroll projects - all these services can be obtained in one place. You can open a current account here without complications and bureaucracy in just 10 minutes. However, you do not need to pay when concluding the contract. They will only be paid Additional services, such as payment order, accounting. According to many clients, this is the best bank for individual entrepreneurs. I’m pleased with the user-friendly interface in the online application for your personal account. An entrepreneur can manage an account while on a business trip or on vacation.
Acquiring for individual entrepreneurs is also relevant today. Which bank to choose? Modulbank can also help in this matter. The cost of connecting the simplest commercial equipment will be 24 thousand rubles. For 30 thousand rubles you can connect a wireless device for servicing cards. This is especially true for cafes and restaurants. Internet acquiring is also relevant today. It is impossible for those entrepreneurs who are planning to open their own online store to do without this. The cost of connecting to the service at Modulbank is only 1000 rubles.
Modulbank also offers to purchase high-quality commercial equipment - modular cash registers. This is high-quality equipment with which even a novice entrepreneur can easily do bookkeeping. The cost of a stationary cash register is 33 thousand rubles.
Customer reviews show that Modulbank really offers many opportunities for business owners. It is no coincidence that many people do not have a question about which bank to choose for an individual entrepreneur. For this reason financial institution ranks first on the list.
"Dot"
This bank also offers excellent rates for entrepreneurs. The financial institution does not charge money for opening a current account. However, it is worth considering that you will have to pay a monthly subscription fee of 950 rubles for services. Economists will execute the first 5 payment orders free of charge. For each subsequent one you will have to pay 50 rubles. Good reviews can be heard about the online account of Tochka Bank, which is protected by a double password. To log in, it is not enough to enter your username and password. The site will ask you to enter the numbers from the SMS message.
The financial institution also offers merchant acquiring for individual entrepreneurs. Which bank to choose? It all depends on the turnover. You will have to pay 2.5% of the amount that passed through the terminal during the reporting month. After the client pays by card, the money is transferred to the entrepreneur’s bank account on the next business day.
Internet acquiring from Tochka bank costs a little more. You will have to pay 3.5% of turnover. In this case, the purchase amount will be credited to your account only after two working days.
Which bank to choose for an individual entrepreneur if the company will have several employees working at once? In this case, Tochka Bank is also perfect. The financial institution implements salary projects. Employees can receive financial rewards for their work using Rocketbank cards.
Tinkoff Bank
Which bank to choose for individual entrepreneurs in Moscow? According to many entrepreneurs, this financial institution is most suitable. Primarily because it has enough compartments. You can get advice from a qualified specialist at any time; in addition, Tinkoff Bank offers favorable rates for doing business. As in previous cases, you will not have to pay to open a current account. Moreover, there is no need to pay a monthly fee for the first 3 months. In the future, the monthly cost of account maintenance will be 490 rubles.
Quite a lot good reviews You can hear about the work schedule of a financial institution. Payments are credited to the account regularly - without holidays and weekends, from 7:00 to 21:00. Only in rare cases are there exceptions. Those who download a free mobile application for account control will get more opportunities. The program has built-in accounting, which greatly facilitates reporting for the tax authorities. You can send a declaration directly from your personal account. The bank will remind you of the need to submit a tax report a few days in advance via SMS notification.
If the question arises, which bank is better to choose for an individual entrepreneur, if you need to pay the company’s employees, you can also pay attention to Tinkoff. The financial institution offers favorable rates. No commission is charged for transferring money to employees. Plastic cards are also issued free of charge. Reviews show that you can withdraw money for free anywhere in the world.
"Alfa Bank"
Which bank to choose for individual entrepreneurs in Russia for those who are just planning to start their own business? It is worth paying attention to the tariff from Alfa-Bank called “Startup”. A current account is opened for free; you will have to pay 890 rubles for maintenance every month. The advantage is that you can create up to 5 free payment orders monthly. Reviews show that this is quite enough for a novice entrepreneur.
Like other financial institutions, Alfa-Bank offers the use of a personal account service. The downside is that you will have to pay 990 rubles one-time for connection. Along with it, it is characterized by increased reliability and ease of use. To your office self employed can be accessed from any browser. There is also an application for tablets and smartphones.
For beginning entrepreneurs, Alfa-Bank is also convenient because it offers free legal advice. It is possible to get help from a qualified specialist who will tell you how to open an account correctly in a particular case and what documents to look for.
"Ural Bank for Reconstruction and Development"
The financial institution offers profitable services for small and medium-sized businesses. Here you can also open an account for individual entrepreneurs. Which bank to choose? The decision should be made after evaluating the proposals of several organizations. For beginning businessmen, you should pay attention to the Economy tariff. When opening an account, you will not have to pay for bank services, but the monthly subscription fee will be 650 rubles. The cost of a payment order is 25 rubles.
Good reviews can be heard about online banking of a financial institution. The data in your personal account is securely protected. Every private entrepreneur can manage an account remotely.
Many choose " Ural Bank reconstruction and development” thanks to profitable acquiring. It offers both a trading option and a resource for online stores. In this case, the client will have to pay only 1.8% of the turnover of funds passing through the terminal. If a private entrepreneur provides his own equipment (trading terminal), he will have to pay 1.7% for bank services.
Bank "Avangard"
Due to the low cost of service, this financial institution is popular among private entrepreneurs who operate in small towns. The downside is that you will have to pay 1000 rubles to open an account. Monthly subscription fee - 900 rubles. For each payment order you will have to pay an additional 30 rubles. The financial institution also offers convenient online banking. Clients receive SMS notifications regarding account operation issues free of charge.
Avangard Bank offers simple and secure payments using bank cards. Which bank to choose for an individual entrepreneur if you plan to work via the Internet? Reviews show that in this case it may well be beneficial cooperation with this financial institution. Avangard Bank offers both classic trading and Internet acquiring. The cost of the service will depend on the turnover of funds. If more than 300 thousand rubles pass through the terminal in a month, you will have to pay a commission of 2.9%.
Also offered profitable terms on salary projects. There is an opportunity to receive a target line of credit to pay employees. In this way, risks related to the firm's performance are significantly reduced.
"Promsvyazbank"
The financial institution offers a full range of services related to settlement and cash services. Opening an account for an individual entrepreneur takes place here quite quickly. Which bank to choose? Promsvyazbank is quite suitable for running small and medium-sized businesses. When concluding an agreement with a financial institution, you will not have to pay anything. Monthly fee - 1050 rubles. The cost of a payment order is 45 rubles. There is high-quality Internet banking, which allows you to track account movements anywhere in the world.
In 2017, the bank introduced new service. For clients who have just registered as private entrepreneurs, the financial institution offers to open an account free of charge and maintain it for three months. Clients who enter into an agreement with the bank before December 31, 2017 will be able to take advantage of this opportunity.
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:
- Cost of opening a current account.
- Maintenance cost (monthly).
- Account opening deadlines.
- Internet banking (availability and cost).
- Mobile bank (availability and cost).
- SMS notification (availability and cost);
- Operation day.
- Commission for non-cash payments legal. persons.
- Possibility of transferring physical persons to regular bank cards/accounts (commission).
- Cash withdrawal through ATMs (commission).
- Cash.
- Number of free plastic cards.
- Synchronization with online accounting “My Business” and “Elba”, etc.
- 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:
- Sberbank.
- Alfa Bank.
- Promsvyazbank.
- Loko-Bank.
Towards more modern and technologically advanced banks:
- Tinkoff.
- Modulbank.
- Tochka (based on Otkritie and Qiwi banks).
- 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
- 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.
- Account opening time - you can use it in 5 minutes.
- Operating day - from 7:00 to 21:00 Moscow time.
- 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.
- Possibility of transferring physical persons to regular bank cards/accounts (commission) - yes, on Tinkoff cards Bank without commission.
- 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. - 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. - The number of free plastic cards is 0 rubles, one corporate and salary cards or two corporate and salary cards, depending on the tariff.
- 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
- The cost of opening a current account is free.
- Cost of service (monthly) - first tariff - 0 rubles, second tariff - 490 rubles, third tariff - 4500 rubles. per month.
- Internet banking (availability and cost) - yes, free.
- Mobile bank (availability and cost) - yes, free.
- SMS notification (availability and cost) - yes, free.
- Operating day: 9.00 – 20.30.
- Commission for non-cash payments legal. persons - 90, 19 and 0 rub. (in order of tariffs listed).
- 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.
- Cash withdrawal through ATMs (commission): from 0 to 20% depending on the withdrawal amount.
- Cash deposit: from 0 to 2.7%.
- The number of free plastic cards is 1 to 5, depending on the tariffs.
- 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 downsides yet, just like Tinkoff Bank.
Open a current account at Tochka Bank
- The cost of opening a current account is free.
- Cost of service (monthly) - depending on the tariff, from about to 2500 rubles.
- Account opening time - you can use it in 5 minutes, and complete registration - 1 day.
- Internet banking (availability and cost) - yes, free.
- Mobile bank (availability and cost) - yes, free.
- SMS notification (availability and cost) - yes, free.
- Operating day - from 00.00 to 21.00 Moscow time.
- 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.
- 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. - 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.
- Cash deposit: on a free tariff - up to RUR 300,000. 1%, over - 3%, on the second tariff any amounts - 0.2%, on the third - up to 1,000,000 free, over 0.2%.
- The number of free plastic cards is from 2 to 6 free depending on the tariff.
- There is no interest on the account balance. 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
- The cost of opening a current account is free.
- Cost of service (monthly) - depending on the tariff, from about to 3990 rubles.
- Account opening time - you can use it in 5 minutes, and complete registration - 1 day.
- Internet banking (availability and cost) - yes, free.
- Mobile bank (availability and cost) - yes, free.
- SMS notification (availability and cost) - yes, free.
- Operating day - from 09.00 to 17.00 Moscow time.
- Commission for non-cash payments legal. persons: 0, 18 and 78 rub. depending on the tariff.
- Possibility of transferring physical to persons on regular bank cards/accounts (commission) - no information.
- 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
- Cash deposit: 0.1%, free at the maximum rate.
- 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
- The cost of opening a current account is 0 rubles.
- Maintenance cost (monthly) - from 0 to 2,290 rubles. depending on the tariff.
- Account opening time is 1 day, reservation 10 minutes in advance on the official website when submitting an online application.
- Internet banking (availability and cost) - yes, free.
- Mobile bank (availability and cost) - yes, free.
- SMS notification (availability and cost) - yes, from 0 to 199 rubles. depending on the tariff.
- Operating day - from 9.00 to 21.00.
- 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.
- 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.
- Cash withdrawal through ATMs (commission) - 1.2% on average;
- Number of free plastic cards - all cards are paid. You can produce any quantity costing from 200 to 990 rubles. per month per card.
- 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!
- The cost of opening a current account is free.
- Cost of service (monthly) - from 0 to 8,000 depending on the tariff.
- Terms for opening an account - the account will be ready in 5 minutes, complete registration - 1 day.
- Internet banking (availability and cost) - yes, included in the price.
- Mobile bank (availability and cost) - yes, included in the price.
- SMS notification (availability and cost) - yes, at the maximum tariff - free, at the rest - 60 rubles. for each card.
- Operating day - from 09.00 to 18.00 Moscow time.
- 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.
- 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%.
- 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%.
- 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.
- The number of free plastic cards is up to 5. Free service only in the first year. From the second - 2,500 per year.
- Synchronization with online accounting “My Business”, “Elba”, etc. is available.
- 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
- 0 rub. opening an account and connecting to Internet banking.
- 0 rub. Internet banking and mobile banking for account management.
- 0 rub. issuing a business card for depositing and withdrawing cash at any ATM.
- 0 rub. tax and budget payments.
- Maintenance cost (monthly) - from 490 rubles. up to 9,900 per month.
- 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.
- 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.
- Cash withdrawal through ATMs (commission) - from 50 to 500,000 rubles. free depending on the tariff, over the limit - from 1 to 10%.
- There is synchronization with online accounting “My Business” and “Elba”, etc.
- 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 on 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
- The cost of opening a current account is free.
- Maintenance cost (monthly) - 0, 990, 4,990 rubles. depending on the tariff.
- Terms for opening an account - reservation within a minute, full registration - within 24 hours.
- Internet banking (availability and cost) - yes, free.
- Mobile bank (availability and cost) - yes, free.
- SMS notification (availability and cost) - yes, from 150 to 250 rubles. per month, at the maximum tariff - free.
- Operating day - from 9.00 to 19.00.
- Commission for non-cash payments legal. persons - 19, 29 and 59 rubles. depending on the tariff.
- 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.
- Cash deposit - from 0.07 to 0.3% depending on the amount and tariff. At the maximum tariff there is a free deposit.
- There is synchronization with online accounting “My Business” and “Elba”, etc.
- 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
- The cost of opening a current account is free.
- Maintenance cost (monthly) - from 490 to 9,990 rubles. depending on the tariff.
- Account opening time: reservation within 5 minutes, full registration within 24 hours.
- Internet banking (availability and cost) - yes, free.
- Mobile bank (availability and cost) - yes, free.
- SMS notification (availability and cost) - yes, free. Extended version - 250 rub. for the first issue, 100 rubles. - for the next 2.
- Operating day - from 9.00 to 23.00.
- 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.
- 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%.
- Cash withdrawal through ATMs (commission) - no information.
- Depositing cash is free.
- Number of free plastic cards - no information.
- There is synchronization with online accounting “My Business” and “Elba”, etc.
- 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.
- The cost of opening a current account is free.
- Cost of service (monthly) - depending on the tariff, from about to 7590 rubles.
- Account opening time - you can use it in 10 minutes, and complete registration - 1 day.
- Internet banking (availability and cost) - yes, free.
- Mobile bank (availability and cost) - yes, free.
- SMS notification (availability and cost) - yes, free.
- Operating day - from 09.00 to 21.00 Moscow time.
- 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.
- Possibility of transferring physical to persons on regular bank cards/accounts (commission) - up to RUB 50,999.99. free, then with a commission, above - from 1 to 10% depending on the amount.
- Cash withdrawal through ATMs (commission): 2% at SKB Bank and partner ATMs, 3% at other ATMs.
- 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.
- The number of free plastic cards is 1.
- Synchronization with online accounting “My Business”, “Elba”, etc. is available.
- 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 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 RUR).
- (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.
7 Russian banks for opening a current account for individual entrepreneurs: Sberbank, Avangard, Vozrozhdenie Modulbank and others.
The Moneymaker Factory portal offers you an overview of “Where is the best place to open a current account for an individual entrepreneur.” It is based on the personal interest of the author, who studied the conditions of several banks in order to choose the most inexpensive and optimally functional option for himself. Next, the narration will be in the first person.
We set the conditions:
- I need to open a current account for individual entrepreneurs with the cheapest level of service, since my income is still small;
- I will receive transfers from legal entities and individuals;
- I will pay taxes and contributions to the Pension Fund, as well as transfer funds to a personal card 5-6 times a month for payments in stores and other points of sale;
- my individual entrepreneur is on the simplified tax system of 6%.
An additional advantage will be convenient services, which will help you “not bother” with monthly accounting.
At the end, I will summarize the results with a comparative analysis of the costs of registering an account for an individual entrepreneur.
So, let's begin.
Sberbank
An account is opened in 5 minutes remotely. Once a reservation is made, payments can be received immediately. True, they will be carried out only at the moment of opening, but the fact itself is very captivating. Within a month, the client must provide the following documents:
- passport;
- registration certificate;
- tax registration document;
- extract from the Unified State Register of Individual Entrepreneurs;
- card with sample signatures and seal imprint;
- documents on the powers of the persons indicated in the card;
- passports of authorized persons;
- licenses, patents (if available).
The list of documents in other banks is not much different, so I will no longer indicate it. More detailed information can be found on the specific website credit organization.
If all documents are in order, an account is opened and you can use it. Before opening, you need to select a package within which the service will be provided. There are standard rates, but they are more expensive.
The “Minimum” package includes: account maintenance, use of remote banking and free 5 payments per month. Monthly cost - 1700 rubles. There is a separate fee for opening - 3,000 rubles and servicing the linked card. It’s cheaper than opening without a package, but when compared with other banks, it’s not cheap at all. The advantage of Sberbank is that it offers a huge selection of related services, but a beginner entrepreneur does not need them. They are not included in the package, which means they are paid separately.
Bank "Avangard"
This bank offers simple and understandable conditions for cash settlement services. The main thing is to carefully read the tariffs, where it is written that when opening a current account by submitting an online application, the cost of the operation is 1000 rubles, and when registering offline - 3000 rubles. Maintenance - 900 rubles per month. Avangard does not have package offers. One tariff for everyone. It includes Internet banking connection, salary project, unlimited number of intrabank payments. External payments will cost 30 rubles per transaction. You can link a Cash Card to your current account, which will allow you to use your account through an ATM. Service in the office is provided upon prior request. Please note that this card is not intended for payments in retail outlets.
The opening procedure is standard, as is the package of documents provided. To keep the cost of opening to a minimum, you need to fill out an online application, upload scans of the required documents, and then contact the office with the originals to complete the operation.
Bank "Revival"
For new individual entrepreneurs, the bank’s “Starter” tariff plan is best suited. In it, opening via the Internet will be absolutely free. Maintenance costs 600 rubles per month. The cost of one Internet payment at this tariff is the highest in the bank - 40 rubles per 1 piece. The opening procedure involves an online application to reserve an account number, uploading scans and then contacting the bank office. All this can be done within one day. The tariff includes free options: online banking service, issuance of a checkbook, certification of documents and transaction passport. Maintaining a linked card will cost 200 rubles.
Free account opening is valid as part of the “Easy Transition” promotion. It will run until December 31, 2017. Therefore, those who want to save money and use Vozrozhdenie Bank need to hurry up.
There is very little information on the bank's website about tariffs for related operations. Apparently, you will have to contact the office directly for it or call bank specialists.
Raiffeisen-Bank
Bank with foreign capital usually provides quite loyal conditions services in many areas. Let's see what he can offer the young IP. Raiffeisen has several tariff plans. The Start package will suit me. Its price when paid for 1 month is 990 rubles. But if you pay for 1 or 2 years at once, the cost will be lower - 743 rubles per month. This amount includes the opening, maintenance of an account and Internet service “ELBRUS”-Internet, opening of a “Business 24/7” card - “Basic”. Card maintenance costs 90 rubles per month. Mobile banking will cost 190 rubles. The cost of one payment is 25 rubles.
To reserve a room, you need to submit a request through the website. The manager will call you back and discuss the time of the meeting with the employee to sign the documents. The employee will arrive at the specified location within the city where the bank office is located. At first sight, price policy Raiffeisen is quite loyal, but here you need to study in depth the tariffs for the necessary individual entrepreneur operations.
VTB 24
The bank is large and one of the top five, but cash settlement services for individual entrepreneurs are not very comfortable here. Firstly, the prices for opening an account are off the charts - 2500. Even if we take the minimum package tariff, which provides a 50% discount, it turns out that I will pay 1250 for opening, 250 for connecting to an Internet service and 1000 for a package of documents, and even I'll pay subscription fee 1100 for the first month. The huge and clumsy mechanism of this bank still lags behind new trends and does not offer online account booking. Everything will have to be done in person at the office. Internet banking is not connected remotely, but is installed on my computer, for which I must sign a “Certificate of Completion”.
Module-Bank
A young bank working exclusively with small and medium-sized businesses. All operations and processes in it are “tailored” to remotely servicing enterprises. He has a lot additional services, which make life easier, which I really appreciate. Let's look at its tariffs. The “Starter” tariff suits me. In it, opening, maintaining an account and Internet banking for 1 person are absolutely free. But 1 payment costs as much as 90 rubles. There is also a 1.5% charge for cash withdrawals from any amount.
Here I can afford a more expensive tariff - “Optimal”. The monthly fee is only 450 rubles, but there are additional options and goodies. The current account number is reserved remotely after submitting an application and uploading documents. To sign the agreement, you will have to come to the bank’s office or call an employee. I was a little confused by the requirement in the list of documents for recommendations from other Modul-Bank clients. Also, keep this in mind. The free mode may change in a year and become quite unprofitable, since the bank attracts customers in this way.
Bank opening"
Quite a popular bank with a standard set of options when opening a current account for individual entrepreneurs. The operation itself costs 1300, management will cost another 750 if available remote maintenance. If there is none, then the cost of maintaining it increases to 1700. The price of one payment order in online banking will be 27-30 rubles, depending on the type “external-internal”. Issue of a CACHE card costs 200 rubles, maintenance - 1500 per year (125 rubles per month). The registration procedure begins with an application on the website. When filling it out, you must tick the “Account reservation” box. After sending, the current account number will be sent to the specified e-mail, which can already be indicated in the documents. To complete the operation, you need to contact the bank with a package of documents within 2 weeks.
Comparative analysis and results
So, I virtually visited 7 banks that offer the service of opening an account for individual entrepreneurs. What happened? Where is the best place to open a current account for an individual entrepreneur?
Technically, the opening conditions are not much different. Everywhere the algorithm is the same:
- Application on the website.
- Room reservation.
- Providing documents to the office or visiting a specialist.
The list of documents is also approximately the same (it is described in the Sberbank review).
Price. This is where it gets more interesting. I made a table with the results of the minimum cost of opening an account and servicing it.
Opening | Package fee | Internet banking | Card to account | Without card/ |
||
---|---|---|---|---|---|---|
Sberbank | ||||||
Opening | 200+1500 (maintenance for a year) | |||||
Raiffeisen | ||||||
Renaissance | 200 per month | |||||
Vanguard | ||||||
Module-Bank | First year - 0 |
It turns out that the most expensive service is in the most “people's” bank - Sberbank. In sixth place is VTB24, in fifth place is Otkritie Bank, provided that you do not issue a card. Next comes “Vanguard”, and the top three look like this:
- 3rd place - Raiffeisen Bank;
- 2nd place - Vozrozhdenie Bank;
- The winner is “Module-Bank” with absolutely free account opening at the “Start” tariff.
Before contacting a particular bank, Moneymaker Factory advises you to double-check the validity of the specified conditions. They tend to change several times a year.
After writing this review, we found special offer 1C and Tinkoff Bank for beginning entrepreneurs with free opening of a current account and free service during the first 3 months.
Tinkoff is good and modern bank. Therefore, if anyone is interested, we recommend testing it for 7 months for new entrepreneurs and up to 3 months for everyone else for free. And we will soon add it to the review and, as it seems to us, it will become a leader. Specialist. An offer where everything is free can only be found from a 1C partner.
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. It means that credit institution makes payments through trusted 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.