Comparison of banks for opening an account. Tariffs of banks for settlement and cash services for individual entrepreneurs and LLCs

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

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

Comparison of bank rates

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

Among the most profitable and attractive commercial offers for conducting cash settlement services include the services of such banks:

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

How to open a current account for an individual entrepreneur?

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

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

30 min. reading

Updated: 13/01/2020

The most detailed review on the Internet! Are you looking for the best place to open a business account? We have prepared an overview of the tariffs of the best banks for entrepreneurs, we will tell you which bank is the most profitable. We will advise where to open an account for free, find out which banks do not charge service fees. We calculated the cost of payments for you, made a detailed comparison of tariffs, studied pitfalls, and prepared advice from personal experience. Get comfortable and let's get started!

I have been an IP for 11 years. For a long time I was a client of one bank. They had favorable conditions for settlement and cash services for individual entrepreneurs (hereinafter referred to as individual entrepreneurs), but the turn came to change this organization. From today's review, you will find out in which bank it is most profitable to open an IP current account. This article will be relevant both for beginners who are just thinking about their business, and for experienced entrepreneurs who have been operating for several years and are now deciding which bank is better to open a current account for an individual entrepreneur. In this article you will find comparisons of the rates of various banks, calculation scenarios for beginners and experienced entrepreneurs, and I will also share my own experience with you, from which you will learn about all the "pitfalls" when opening a bank account and its subsequent use.

I have been registered as an entrepreneur since 2007. During this time I had several business projects. The first is a small tanning studio. For a year of work, I managed to increase the invested money by 2 times, after which I sold it. Then, I switched to internet projects. I had an online store for water-saving equipment. I have been doing it for 4 years. The invested money was repulsed many times, I did not count how much, but I was always in the black and I managed to sell it at a good price. There were several other small online stores, more precisely, one-page sites, where we sold Chinese goods at a crazy margin (sometimes up to 1000%). And now I am focused on the content site, which brings through advertising (contextual, banner, mailing list advertising, etc.), CPA networks, affiliate programs.

I registered an individual entrepreneur and a current account for him at the Ermak bank, Nizhnevartovsk, Khanty-Mansi Autonomous Okrug. It was a bank with the most favorable, at that time, conditions for settlement and cash services (RKO) in the city. Over the past 8 years, I have already changed 3 cities of residence. From Nizhnevartovsk I moved to Moscow, and from there three years later to Gelendzhik.

The main problem that prompted me to look for another bank is working with a USB token. USB-Token is such a special key on a flash drive with which secure operations are performed (payments, transfers, etc.). These tokens have a limited period of time and need to be re-registered periodically. To re-register it, you need to bring a printed application, acts to the bank. Since I am in a city where there are no Yermak branches, this is a problem for me. The problem, in general, solvable, can be transferred by mail and courier, but the last straw for me was that the operator did not accept the Act from the courier, since my signature was different there.

When I opened an account with this bank, I left samples of signatures along with the Agreement. Over the years of work, my signature has changed, and since I don’t see what my signature was on the sample in the bank, and the teller didn’t meet me halfway and couldn’t find a solution to this issue, except to sign the documents again, I decided to go to another bank, especially since technologies do not stand still and there are banks that work without these tokens and their security is no worse, all transactions are confirmed using SMS.

It remains only to formulate the requirements for the new bank:

Service is not more expensive, and even better cheaper than in the previous bank;
Online banking with confirmation of transactions by SMS, not by USB token;
Mobile application for Android and iOS (desirable, but not required);
Presence of offices throughout the country (desirable, but not required).

How banks were selected for analysis

At the moment, the content site is under development, which means that I have:

Small turns;
1-3 incoming payments;
Extremely rare outgoing transactions (1-3 times a month), transfer to one of your debit cards in another bank;
STS - 6%, without employees.

In this review, you will find out the rates of 10 banks, 7 of which are in the TOP-10 banks in the country in terms of assets. Three more banks were included in the review as the most advanced and technologically advanced. One of the criteria for manufacturability was the integration of the bank with an online accounting service, with which you can submit tax returns and interact with the tax authorities without leaving your home.

To submit tax returns via the Internet, I use the Kontur.Elba service. There was a time when I had to submit reports directly to the tax office at the place of residence, when I lived in Nizhnevartovsk. I decided to find an alternative to queues even before I moved to the capital. You could kill a whole day at the tax office. Now it has become more civilized there, they have introduced an electronic queue system, and before that you had to come almost at 6 in the morning to take a queue.

I want to warn you that in banks they may try to “divorce” you for additional insurance of a corporate card, as was the case with me at Sberbank. Moreover, managers do it quite brazenly, almost claiming that it is mandatory. Therefore, be more persistent in such cases, make it clear to such a banking scoundrel right away that you are not going to take out any insurance even in case of coercion.

In the case of Sberbank, I see no point in a corporate card. Okay, the first year is free. But from the second year to pay 2.500 rubles. for a useless, in my case, service - I consider it a waste of money.

Accrual% on the balance

This is an interesting service that appeared on the RKO market not so long ago. Many banks actively use it in marketing campaigns and advertising. But what is it really?

Take Tinkoff Bank. They promise 6% on the balance (simple tariff). If you look into the details, it turns out that a maximum of 3,000 r is charged per month.. That is, if you had a million in your account, then at a rate of 6% per annum you should be credited with approximately 4,600 rubles, but you will receive only 3,000 rubles.

But that's not the worst. Interest is charged on the minimum monthly balance. Let's say you have 600,000 rubles in your account for almost the entire month. At a rate of 6% per annum, you will have to accrue about 2,700 rubles. But if during this period the amount on the account falls at least a day lower, then you will be counted on this very minimum amount. For example, you transferred 597,000 rubles to a wholesaler, and the next day this money was returned to the account as a result of the sale of goods. So the minimum balance is 3.000 r. 6% on this amount will be about 13 rubles.

When I developed an online store, there were always large amounts of funds on my current account. Of course, it is interesting that they do not lie dead weight and at least some penny drips on them. But the entrepreneur constantly operates with this money, bought something, sold something. And the calculation of interest on the minimum amount makes this tool practically useless, or, as I noted above, marketing. It allows Tinkov to stand out from the competition, entrepreneurs are willing to follow this trick, but it brings little real benefit.

Of our candidates, a similar service is also available in Modulbank, which offers 3% per annum on the average daily account balance from 30 thousand rubles. This means that the bank sums up all the days during the month when you had more than 30 thousand rubles in your account, then divides them by the number of days in the month and charges 3% per annum on the resulting amount.

Let's try to figure out which is better. The table below shows 4 dates. On each of these dates, the status of the current account changed. On March 1, 300,000 rubles were received. Then, on March 12, 295,000 left and 5,000 rubles remained. On March 18, 495,000 rubles arrived. and the balance was 500,000 r. And finally, on March 24, another 120,000 rubles came. after which the balance became 620.000 p.

Under the terms of Tinkoff Bank, 6% is charged on the minimum balance, in our example it is 5,000 rubles. The income will be about 25 rubles.

Now let's calculate the profit in Modulbank. Here you need to consider receipts at which the balance was more than 30,000 rubles. It turns out 300.000 + 495.000 + 120.000 = 915.000 rubles. / 30 days = 30.500 rubles We consider 3% for this amount and it turns out about 77 rubles.

As can be seen from the example, the percentage value is far from always decisive. Sometimes the way it is calculated wins. In the case of Tinkov, the amount of accrual will depend on the minimum amount in the account. And in the case of Modulbank, everything will depend on the amount of money received on your current account.

Online accounting for individual entrepreneurs on the simplified tax system 6% and UTII

If you are unfamiliar with this service, I will explain, it allows you to report to the tax authorities without leaving your home. This is very convenient as it saves you a lot of time. For me, as an Internet entrepreneur who constantly moves around regions and countries, this is an indispensable service.

As noted above, there are specialized services, for example, Kontur.Elba or My Business, which have wide functionality and allow you to submit declarations and other tax documents not only to simple IP workers on a simplified without employees, but also to IP with employees, as well as LLC on special modes (USN, Patent) and OSNO.

Some banks have similar functions, only in a simplified version. To understand the difference between the functionality of online accounting in a bank and a specialized service, see the table below:

SERVICE	BANKS	SERVICES KONTUR.ELBA AND MY BUSINESS
Calculation of USN and UTII taxes, as well as insurance premiums for individual entrepreneurs	Yes	Yes
Creating a payment order	Yes	Yes
Payment reminder	Yes	Yes
Sending a declaration electronically	Yes	Yes
Calculate the salary of employees, report for them to the tax, pension fund and the Social Insurance Fund.	Yes	Yes
holidays, bonuses, travel allowances	–	Yes
Accounting for goods, the history of the movement of goods in the warehouse, the formation of warehouse documents, inventory	–	Yes
Issuing invoices, acts and invoices, invoices to counterparties using your own or ready-made templates	–	Yes

This is an incomplete list of differences, the table reflects the most popular services. It is worth noting that most banks offer online accounting services only for individual entrepreneurs on a simplified basis without employees and a cash desk. This greatly reduces the number of potential customers and will be relevant for startups, and even then not for everyone.

Of the minuses of online accounting of banks, it is worth noting the weak integration with the tax office and the lack of high-quality support. Let me give you an example from my experience:

Recently, I received a letter from the inspectorate, in which the tax authorities demanded an explanation why I did not pay insurance premiums for one of the previous years. All calculations were made in Kontur.Elba, so the first thing I did was contact the support of this service for advice.

The support staff, completely free of charge, checked my declaration, suggested which tax reconciliations should be ordered, and I did it in the personal account of the service and, further, advised me to print payment documents on paid insurance premiums and show all this to the tax authorities.

Through the taxpayer's personal account on the website nalog.ruI created an appeal in which I indicated that I had paid all the insurances and attached scans of payments as evidence. Why did you do it through nalog.ru? Firstly, because geographically I was in another city and I considered it inappropriate to spend money on tickets to show these pieces of paper to the tax authorities. Secondly, when making an appeal, it is assigned an incoming number, which means that my appeal is drawn up in a proper document flow and civil servants do not have the right not to respond to my message.

What is the conclusion from this story? Let the Kontur.Elba service cost me more than free bookkeeping through one of the banks, it gives me more advantages and assistance in those matters in which I myself am incompetent.

If I were at the initial stage of my business, I would definitely consider opening a current account for an individual entrepreneur in one of these banks, which make it possible to report to the tax office for free, because in the first years of doing business, the probability of error when submitting reports will be minimal , and the money that is required to pay for one of the online accounting services is better spent on business development.

We determine the most profitable bank

Now let's try to determine which bank is more profitable in various use cases. In all scenarios, only the number of outgoing payments will change. Incoming payments are free everywhere, but the cost of outgoing payments is different. Well, let's not forget to calculate the service, commissions for the withdrawal of profits and other payments.

Scenario #1: up to 5 outgoing transfers per month

This is a scenario for beginners who will have few payments. Since I am currently developing a new project, these calculations will be very relevant for me.

When calculating the cost of outgoing payments to legal entities, we will take the maximum figure for this scenario 5. This means that in some months, when there will be fewer outgoing payments, for example, 1-2, the cost of servicing will be cheaper in some banks.
When calculating the cost of outgoing payments to individuals, we will start from the figure of 100,000 rubles. Here we mean that we will withdraw the earned profit to debit cards opened either in the same bank or in other banks. It is clear that in each individual case different amounts will be displayed, but since we agreed that this scenario is designed for beginners, we will assume that the beginner will have a small income. And we will break these 100 thousand rubles. for 4 outgoing payments of 25 thousand rubles each, since we mean that the money to the account will be received not in one large amount, but in different parts, and we seem to be withdrawing 25 thousand rubles each. every week for life.

Bank	Alfa Bank	Tinkoff	Dot	Modulbank	Sberbank	VTB	Opening	Raiffeisen
Monthly maintenance	490	408	750	490	0	900*	492	990
	100	98	0	95	200	0	158	125
	0	0	0	0	0	0	0	125
	0	0 + 99**	0	76 (4 x 19)	44 + 62,5***	0	0 + 99****	100
	590	0	0	0	500	0	0	500
	1180	605	750	661	806,5	0	749	1840
Total for the year	7670	7260	9000	7932	4.178	10800	8988	16580

* - I made calculations for VTB Bank taking into account the perpetual promotion, otherwise the bank's tariffs are unprofitable. The first 3 months the service is free, then 1200 rubles. per month.

** - Since in Tinkoff you can only withdraw to your debit cards without commissions, we will include in the costs the service fee for the Tinkoff Black debit card (99 rubles per month)

*** - In Sberbank, servicing a classic debit card costs 750 rubles. the first year or 62.5 p. per month. From the second year, maintenance is 450 rubles / year or 37.5 rubles / month. Do not forget about the unnamed Momentum card, the service of which is free, but here I do not take it into account, since it is not easy to open it, it does not happen in all service offices.

**** - In Otkritie bank, as well as in Tinkov, without commissions, profits can only be withdrawn to a debit card of an individual opened within the bank. The cost of servicing the cheapest debit card costs 99 rubles / month

So, as can be seen from the table, the Sberbank tariff is out. It is almost 2 times cheaper than its closest pursuer, Tinkoff Bank.

Scenario #2: up to 20 outgoing transfers per month

Now let's determine the most profitable current account for an individual entrepreneur who is more active than in the first scenario. To do this, I took the data of the online store for one of the past active periods. The turnover of the store for the year amounted to about 5.5 million rubles. My account received 338 incoming payments (they could not be counted) and there were 186 outgoing payments, of which:

44 were to the accounts of individuals, including their debit cards for a total of 3.380.056 rubles;
12 payments to tax authorities and FIU;
130 payments to accounts of legal entities.

Divide this data by 12 months of the year, rounded up and get:

4 outgoing payments per month to individuals for a total amount of 281.671 rubles;
1 payment per month to the tax authorities and the FIU;
11 payments per month to the accounts of legal entities.

Now let's calculate the rates:

Bank	Alfa Bank	Tinkoff *	Dot	Modulbank	Sberbank	VTB	Opening	Raiffeisen
Monthly maintenance	490	990	750	490	0	900*	492	990
External payments in rubles through the Internet bank to the accounts of legal entities and individual entrepreneurs	400	29	300	209	800	600	632	275
Tax and budget payments	0	0	0	0	0	0	0	25
Payments to accounts of individuals	820	99	500 + 2460	76 (4 x 19)	44 + 660 + 62,5***	1320	1320 + 99****	100 + 1820
Signature card	590	0	0	0	500	0	0	500
Total in the first month of service	2.300	1.118	4.010	775	2066,5	2.820	2.543	3.710
Total for the year	21.110	13.416	48.120	9.300	19.298	33.840	30.516	39.020

* – In the second scenario, the Advanced tariff is considered, while in other cases, the Simple tariff was considered above. In this calculation, Advanced is more profitable than Simple.

From the table it becomes obvious that this time Modulbank is the leader. However, this approach to determining the best bank is not entirely correct, because each bank in the line has several tariffs, limits and commissions for each of which are different, so the correct conclusion that we can draw from the second scenario is as follows:

As your business grows, you need to review the rates of different banks and change them to the most profitable ones, otherwise you risk overpaying every year for servicing a current account.

I studied the tariffs of the analyzed banks and came to the conclusion that changing the tariff to a higher one in the tariff scale of each bank will not change the situation much. Only in Tinkovo, if you switch to the Advanced tariff, you can reduce the cost of annual maintenance to 12 thousand rubles. In other cases, the cost of maintenance increases.

What else to pay attention to?

Signature card

In the comparison table above, I also noted a few more points, for example, the design of the card with sample signatures. Such a card is needed for the bank employee to verify any documents and identify your signature. This is necessary so that documents are not forged for you. For example, you have been billed for payment. For some reason, you could not use the online bank and printed the document on paper, and then took it to the bank. When accepting this payment order, a bank employee will verify the signature on the document with the sample signature on the same card that you issued when opening a current account for an individual entrepreneur. If the signatures match, then the banker will transfer the money according to the payment document, if not, then return it back.

So, in many banks from the table above, such cards are not issued, more precisely, they are not mandatory for issuance, because, for example, the same Tinkoff bank does not have service offices and all payment documents can only be issued through a personal online account. bank, where each payment is confirmed by SMS.

But when you come to open a current account at the same Sberbank, an employee with a straight face will say that it is necessary to issue a card with sample signatures, the cost of which is 250 rubles in Gelendzhik, and 500 rubles in Moscow. The cost is small, but I am more outraged when unnecessary services are imposed on you. I agreed and only later found out that it was not necessary to draw up this card.

There are banks where issuing a card with sample signatures is mandatory when opening an account, for example, in Alfa-Bank, the cost of the service is 590 rubles. Without this, you will not be able to open an account.

Account closing cost

In my former Sovdepovsky Ermak, they took 500 rubles from me for closing an account. Fortunately, in most modern banks this service is free.

Account statement cost

After the massive cleansing of the banking sector by the Central Bank of the Russian Federation began, the surviving banks are afraid of any claims from the regulator and zealously comply with all its requirements and instructions, one of the most terrible, among which is 115 Federal Law "On countering the legalization (laundering) of income received by criminal way, and the financing of terrorism”. As a result, many accounts of individual entrepreneurs and LLCs have recently been closed, the activities of which seemed suspicious to financial monitoring services. In 2017 alone, according to the Delovaya Rossiya public organization, banks closed at least 500,000 business accounts.

What does this mean for you? Your account can be blocked at any time, even if you are doing business honestly and openly. Therefore, you must immediately imagine the consequences.

1 First, if you actively use the account, then your current contracts may suffer, as happened with the businesswoman Xenia:

I work in the field of public procurement, the business is absolutely transparent, all Contracts can be checked on the public procurement website. We use the account every day, it was a complete surprise for me when my operations were suspended.

Because of this, I was unable to purchase goods for one of my customers. Now I will not be able to deliver the goods on time and will suffer losses due to the terms of the Agreement. And yet, I could not pay another invoice for transport delivery with an order for another client, now the car is idle with my cargo.

Who will compensate me for the losses incurred and the loss of reputation? How do you look customers in the eye now?

2 Second, if your account is blocked, then you may need a current account statement, on which you will then calculate taxes. The statement can also be uploaded to Kontur.Elba or My Business and the services will calculate the tax amount for you.

Some banks charge crazy money for such statements:

Tinkoff - 2990 rubles.
Modulbank - 2500 rubles.
Alfa-Bank - 600 rubles.

How to choose a bank to open a current account - recommendations and advice

Since in this review, when choosing a bank, I proceeded from my needs and wishes, I will give you advice on what to look for when choosing a bank for cash settlement.

1 Determine the list of required services. Before compiling your list of banks for rating, determine what you will need in the process of work. For me, this is, for example, an online bank that works without tokens. Maybe you need a salary project, a currency account or.

2 Learn the features of the bank and its services. The availability of the service you need does not determine its quality; it may vary in different banks. Read reviews on the Internet, call the bank's hotline to clarify the details. For example, not all online banks work on poppies (company products), not all banks have a mobile version. If you are making transfers abroad, then you need to find out how much it will cost to maintain an account in foreign currency, as well as the cost of foreign exchange transfers. If by the nature of your activity you need to deposit cash, then it is better to choose a bank with a wide branch network, etc.

3 Integration with various services. In the review, I already mentioned the integration of online banks with services such as Kontur.Elba and Moe Delo. In addition to them, there are many other services that can also be integrated with your bank, for example, 1C, My Warehouse, Button, Fingeroo, etc.

4 Location of ATMs. Explore the ATMs of which banks are near your home or on your way to work. This will help save time on withdrawing cash from the card.

5 Find out where your counterparties are served. It may be worth opening an account in the same bank where the accounts of your main counterparties are opened. This will help save on commissions, speed up the time of payments, partially, minimize questions from the financial monitoring of the bank.

6 Look at the payment processing time. For example, in my former Yermak, payments were processed from 8:00 to 16:00, and there are banks where the payment processing time is from 4:00 to 21:00.

7 Interest on account balance. Sometimes the interest on the balance can cover the monthly maintenance of the current account or at least reduce it.

9 Bonuses from partners. When opening an account, many banks offer bonuses from partners, for example, if you advertise your services in Yandex.Direct, Google Adwords or myTarget, you can get special promo codes up to 75,000 rubles.

Or you can get several months of free service in various cloud services, such as Kontur.Elba, My Business, 1C Entrepreneur, AmoCRM, or post a free job on HH.ru

Frequently Asked Questions (FAQ)

Is it necessary to open a bank account and is it possible to maintain an IP without a current account?

By law, an individual entrepreneur can operate without opening a current account, but with some restrictions. In particular, cash settlements with legal entities and other individual entrepreneurs are limited to 100 thousand rubles. under one contract. For example, you rent an office for 10 tr. per month. Usually the agreement is concluded for 11 months, which means that the amount of 110 thousand rubles will be specified in the Agreement, which is prohibited (5 and 6 paragraphs of the Bank of Russia Directive No. 3073-U dated October 7, 2013). In this case, you can conclude 2 contracts with the landlord, for half a year each, which will allow you to meet the required limit within the framework of one Contract, but for this you must have a good, close relationship with a partner who agrees to do this.

The main problem that you may encounter if you work without a cash account is interaction with other counterparty organizations, although much depends on the type of your activity. If your activity involves working with other organizations, settlements with which will be made in a non-cash way, for example, the purchase or shipment of any goods to legal entities, then you can’t go anywhere without an account, since not every organization wants to work with an individual entrepreneur, transferring money to him for services or goods in cash, which is fraught with additional costs for various kinds of commissions. If you are engaged in retail sales or services and accept cash payment, then you may well work without a cash account. Where is it more profitable to open an IP current account

The information presented in this review suggests that it is most profitable to open a current account at Sberbank, Tinkoff Bank, Modulbank and Alfa-Bank. These banks offer not only the most favorable rates, but also the most competitive online banking functionality and capabilities.

Which banks open a current account for free

The following banks open a current account for free: Sberbank, Tinkoff, Alfa-Bank, Modulbank, Tochka, Otkritie, Raiffeisen, VTB (for promotions, check with managers). These are the banks reviewed in this review. Surely there are a lot of other banks where you can open a cash account for free, the purpose of the article was different, namely, to analyze the most reliable and functional banks in terms of which bank to open a current account is most profitable.

Reasons for refusal to open an account

If you were refused to open a current account, then this could happen for one of the following reasons:

Bad reputation. Perhaps you are on the bank's blacklist or the Rosfinmonitoring blacklist (terrorists and their accomplices), which banks check when analyzing a client. You can get on the list of unreliable clients for delays or non-payment of a loan, including those issued to an individual, for opening too many accounts, as well as for blocking an account with a bank, for example, for non-payment of taxes, alimony, any fines.
Problems with documents. This is a trifle compared to an unreliable reputation, because document problems are easy to fix, but fixing your reputation is much more difficult. The bank may refuse if you made some mistake in the application or forgot to provide any document or its copy, etc.
Invalid information. After filling out the application form and providing a set of documents, the bank's security service will definitely conduct an inspection. If you provided false information, you may be denied opening a bank account.
Problems with tax or other government agencies. If you do not pay taxes, insurance premiums, duties and other important payments, then this may be the reason for the refusal of the bank.
A victim of statistics, or an attempt to serve the Central Bank of the Russian Federation. This is a rare cause, but it does exist. The fact is that in connection with the mass cleansing of the banking sector, all banks are trying to clearly follow all the recommendations. Every year, each bank reports to the Central Bank, including the percentage of refusals to open a bank account. If the failure rate is zero, then this may cause unnecessary questions from the regulator to the bank, which top managers try to avoid. Therefore, you may well become a victim of statistics. There is no need to despair if you were refused in one bank - go to another, if they refuse there too, probably the reason is not in statistics, but in something else.

Can an individual entrepreneur have several current accounts in different banks?

The law does not restrict the entrepreneur in this regard; you can open any number of accounts in any bank and any region. If you are active, then this can even be useful. If suddenly the financial monitoring of the bank considers your transactions doubtful and decides to block the account, then while the proceedings are going on, another account opened with another bank will come in handy, which you can use for urgent settlements with counterparties.

What documents are needed to open a current account?

In most banks, to open a current account, it will be enough for you to present your passport and TIN. However, the bank, at its discretion, may require you to provide any other documents, for example, a notarized signature card, a certificate of registration of an individual entrepreneur, an extract from the USRIP, licenses necessary for the activities of an individual entrepreneur. It is always better to find out the exact list of documents on the website or by calling the bank you are interested in.

Which banks do not close accounts?

Such banks do not exist, because all banks are under the control of the Central Bank of Russia, and that, in turn, has laws and regulations. One of them is the Law on Combating the Financing of Terrorism and Money Laundering. There are entrepreneurs who conduct dishonest business and cash out, both through one-day IPs and through one-day LLCs. Therefore, if your transactions fall under the control of financial monitoring and seem suspicious, then your account will be blocked.

Opening an account: free of charge;
Replenishment: from 0.1%;
Online accounting: 0 rub.;
Salary project: from 0 rub.

A great option for those who are just starting to learn the basics of entrepreneurship. No fees for opening an account and maintaining online accounting. The first year of service - 0 rubles. Currency control is only 1% of the transfer amount.

Opening an account: free of charge;
Cash deposit: 0%;
Salary project: 0 rub.

Favorable conditions for large businesses - up to 300 free payments per month, online accounting, replenishment of a settlement account without commission.

Opening an account: free of charge;
Replenishment: from 299 rubles;
Online accounting: 0 rub.;
Salary project: from 0 rub.

Round-the-clock online service with a clear RKO interface. You can transfer up to 1 million rubles from your current account to a Tinkoff card without commission. Withdrawal of funds within 150 thousand is also free.

Opening an account: free of charge;
Cash deposit: from 0.5%;
Online accounting: 0 rub.;
Salary project: from 0 rub.

This bank is more suitable for beginner entrepreneurs, whose account turnover is minimal. RKO is carried out with a minimum commission, free replenishment of the balance up to 75,000 rubles is also available.

Opening an account: free of charge;
Cash deposit: from 0.15%;
Online accounting: 0 rub.;
Salary project: from 2,500 rubles;

The most reliable bank in the country offers entrepreneurs many profitable options and bonuses. For example, replenishment of an account without commission up to 500 thousand, transfers to individuals for amounts up to 300,000 rubles. There is a line of Sberbank tariffs and free service.

Opening an account: free of charge;
Replenishment: from 0.2%;
Online accounting: from 2,500 rubles;
Salary project: from 0 rub.

Entrepreneurs can receive cashback from the amounts that go to pay taxes. The cost of an annual cash settlement is low, which allows both beginners and successful businessmen to use the bank's functionality. Another plus is profitable merchant acquiring, only 1.3%.

Opening an account: free of charge;
Replenishment: from 0.16%;
Online accounting: 0 rub.;
Salary project: up to 399 rubles.

A financial institution offers its customers a wide range of tariff plans for individual entrepreneurs. Among other advantages of RKO, one can note the low cost of a payment order and free transfers to individuals for amounts up to 500 thousand.

Vostochny Bank - flexible choice of tariff plan options

Opening an account: free of charge;
Cash deposit: from 0.15%;
Online accounting: from 0 rubles;
Salary project: from 0 rub.

The bank has a large developed network of offices, which allows you to open a current account in any region of the country. Despite the high cost of annual maintenance, IPs can individually activate the functionality of the TP by turning off unnecessary services.

Opening an account: free of charge;
Cash deposit: from 0.05%;
Online accounting: 0 rub.;

Each package of services gives you the opportunity to get a discount on RKO up to 50%. The cost of currency control is only 900 rubles per month. In addition, you can track the movement of your account online around the clock.

Opening an account: from 0 rubles;
Cash deposit: from 0%;
Online accounting: 0 rub.;
Salary project: from 0 rub.

Individual entrepreneurs can take advantage of benefits when opening a current account and not pay the first 2 months for service. The business support service works 24 hours a day online.

Opening an account: free of charge;
Cash deposit: from 0.05%;
Online accounting: 0 rub.;
Salary project: from 1,000 rubles.

The Bank has developed several preferential lending and deposit programs for individual entrepreneurs. You will be able to profitably invest money and receive income on the balance up to 6%.

Opening an account: free of charge;
Cash deposit: from 0%;
Online accounting: 0 rub.;
Salary project: 0 rub.

Tariff plans for a dynamically developing business allow you to get a discount of up to 50% on settlement and cash services. The cost of currency control starts from 800 rubles per month.

Opening an account: free of charge;
Cash deposit: from 0.1%;
Online accounting: 0 rub.;
Salary project: 0 rub.

When opening an account, an entrepreneur receives a corporate card as a gift and will be able to pay salaries to employees without commission. Additional bonus - 3 months of free accounting and reporting to government agencies.

Opening an account: free of charge;
Cash deposit: from 0.25%;
Online accounting: 0 rub.;
Salary project: 0 rub.

Individual entrepreneurs receive a remote currency control service and the opportunity to make urgent ruble payments. You can open a special account with VTB and use it to participate in electronic trading.

Opening an account: free of charge;
Cash deposit: from 0.1%;
Online accounting: from 5,800 rubles;
Salary project: 0 rub.

Internet banking of an individual entrepreneur allows you to make a mass payment to an unlimited number of recipients in just 1 minute. In your personal account, you can view the history of transactions by day and generate payments based on the document from the statement.

Opening an account: 500 rubles;
Cash deposit: from 0.15%;
Online accounting: 0 rub.;
Salary project: from 0 rub.

When connecting RKO Bank, you can choose specific services instead of the usual package offers. It is possible to provide statements on the ruble and foreign currency account without commission.

Opening an account: 0 rub.;
Cash deposit: from 0.1%;
Online accounting: 0 rub.;
Salary project: from 500 rubles.

A qualified manager in each city will advise on all issues related to account maintenance. The bank offers a large amount of overdraft for business development.

Opening an account: 0 rub.;
Cash deposit: from 0%;
Online accounting: from 650 rubles;
Salary project: 0 rub.

When opening a current account for an individual entrepreneur, you will receive a manager's cashback card, which will be credited with cashback from all purchases with a corporate card. Fixed bonus amount - 1.5% for everything.

Opening an account: 0 rub.;
Cash deposit: from 0.19%;
Online cash desk: 0 rub.;
Salary project: 0 rub.

An individual entrepreneur receives a business card as a gift and the opportunity to use the online cash desk for free. You can get an express loan for the development of your business with a limit of up to 20 million rubles and a period of 10 years.

Opening an account: 0 rub.;
Cash deposit: from 0%;
Online accounting: 0 rub.;
Salary project: 0 rub.

A young business can use the services of RKO for free. An IP settlement account is opened quickly, online accounting and Internet banking are connected to each tariff for free.

The most profitable RKO in Sfera Bank. Here you can receive consulting and financial support around the clock, without visiting the bank office. Popular among entrepreneurs are Raiffeisen and Tinkoff, you can use the RKO functionality without charging a commission. Sberbank and Alfa-Bank remain the most reliable, they are most often chosen by novice individual entrepreneurs. Vostochny and Tochka Bank offer complete freedom of action for their customers - entrepreneurs can use free service during the first months and independently determine the set of services in the tariff plan. MTS and UniCredit have a large percentage of the balance of funds - up to 6%. Delo Bank offers the same conditions, but servicing the accounts of entrepreneurs with a small turnover is quite expensive. Most banks from the second ten do not charge interest on the balance, and the amount of payments is almost 2 times higher than that of the TOP organizations.

Criteria for choosing a bank to open a current account

We suggest that you familiarize yourself with the main criteria when choosing a bank for a settlement account of an individual entrepreneur or LLC. The efficiency and reliability of your business will depend on them. Here is a short list of the main points that you need to pay attention to when choosing an RKO program:

the reputation of the financial institution. Read the reviews of those who have already opened a current account and are serviced in it;
a list of services included in the tariff plan, for example, a salary project, online accounting, acquiring;
is it possible to integrate the cash register of the bank with other services;
number and location of ATMs. This will save time when cashing out funds from a corporate card;
payment processing time. An important parameter on which the speed of the transaction will depend. For example, some banks do not carry out transactions at night, which may cause some inconvenience;
the amount of interest charged on the balance. Sometimes this amount is able to cover the expenses of an individual entrepreneur for servicing a current account;
availability of an overdraft or a credit line for entrepreneurs. This service is especially relevant for those who make regular purchases of goods and money is not always enough to quickly buy a quality product;
bonuses from partners. For example, when opening a settlement account for an individual entrepreneur, Sberbank gives 15 thousand rubles for the first advertising company in Yandex Direct;

It is also worth finding out in which bank settlement accounts are opened with your counterparties. If you open an account in the same bank, you will be able to make payments with a lower commission, significantly speed up the time of payments.

When can a bank refuse to open an account

Sometimes it is impossible to open a current account for an individual entrepreneur, and many entrepreneurs are wondering why the bank refused the cash settlement? Let's take a look at the common reasons why small and medium businesses are denied an account:

false information in the questionnaire about the entrepreneur;
the absence of one or more documents for the execution of the cash settlement agreement;
incorrectly specified legal address or its concealment;
lack of tax reporting;
suspicions of the bank of involvement in the illegal activities of the individual entrepreneur.

In practice, there may be more reasons for refusing to open a current account and banks do not disclose them. In principle, an individual entrepreneur can carry out his activities without a current account, but then severe restrictions are set for the business.

How to open a current account at Tochka for IP, LLC

Thanks to high-tech service, in "Tochka Banke" opening an account IP, LLC takes a minimum of time. The sequence of actions in both cases is the same, only the packages of documents differ.

Step-by-step instructions on how to open an account through Tochka Bank

Click on the button highlighted in yellow and follow the instructions:

Enter your phone number on the site. Submit an application.
Wait a bit - our employee will call you.
The bank will check your documents extremely quickly - it will take up to several minutes. In this case, the account will be booked immediately. You will receive notification via SMS and email.
Dear Entrepreneur! We have reviewed your application for opening an account with Tochka. Your business is clean and beautiful in terms of law, financial monitoring and security services. You are just great! Our manager will call you soon and tell you what to do next. Team Points 8 800 2000024
Make an appointment with an employee in a convenient place and at a convenient time. Give him the original documents and sign the contract.

Documents required by Tochka to open an account

To open an account for an LLC, you need to provide:

certified, current charter of the organization with current changes;
decision, protocol on the appointment of the head;
personal data, TIN of participants whose share of the authorized capital exceeds 25%;
passport of the head, as well as other persons who can dispose of the organization's funds;
if the organization is a JSC - the register of shareholders;
if the organization is older than 3 months - a copy of the financial statements, tax return or audit report on the annual report;
for licensed activities - licenses.

AT "Point" opening an account for IP requires collection of copies:

passports of the individual entrepreneur;
OGRNIP;

The bank employee will bring the application and questionnaire with them so that you can complete them.

Settlement and cash services and other services

open in Tochka Banke online cash desk- not the only thing that will help the development of your business.

We also offer acquiring, payroll projects, foreign exchange transactions, internet banking and a mobile service application.

Acquiring

Would you like to accept payment not only in the old fashioned way in cash, but also by bank cards? Then the proposed "Point Bank" acquiring.

The cost of the service is 2.3% of the annual turnover (or 975 rubles monthly). Select a portable or fixed terminal. It is not necessary to buy it. You can rent the device for a year - after that it will become your property.

The service allows online stores to accept payments remotely. The commission is only 3.5%.

Finally, offered in bank "Tochka" acquiring tariffs for mobile devices. For only 3490 rubles you will receive the LifePay application and card reader. This kit will turn your smartphone or tablet into a payment terminal with a commission of only 2.7%. Your customers will receive checks by email.

Payroll projects

Pay salaries to your employees on Tochka cards (commission only 0.55%) or Rocketbank (free of charge). The bank will also produce and deliver salary cards free of charge.

Money is credited within 5 minutes. You can withdraw them for free at any ATM.

Currency transactions

Do you cooperate with foreign partners? You do not have to meet with the manager separately and collect documents. You can through Bank "Tochka" open a special account for a currency based on an already existing settlement.

Exchange rates are updated in real time.
Commission for conversion (spread) - only 30 kopecks.

Through the Internet bank, you can download and print a transaction passport with a blue seal for government agencies.

Want to save time? Book a personal assistant. He will draw up the paperwork, conduct an examination of the transaction, transfer money in the desired currency, and print out the transaction passport.

A personal assistant is not a controller. Therefore, if he discovers mistakes made during the preparation of the transaction, he will inform you about this and help you correct them.

Transfer in euros or US dollars - $25–30
Translation in Chinese yuan - $20.
Currency control - only 0.12–0.15% of the transfer amount (from 350 rubles).
Personal assistant services - 0.2–0.3% of the transaction amount (from 700 rubles).

Internet banking

Since we are introducing an online bank that operates without a system of offices, remote banking plays a key role.

Proposed in "Point Bank" Internet banking, personal account for the client - accessible, simple, mastered in a couple of minutes.

Mobile app

Would you like to generate payments according to the photo of the invoice? AT "Point Bank" personal account for legal entities - it is also a mobile application. Take a picture of the document on your smartphone camera - and the payment is ready.

There are versions of the application for Android, iOS, Windows.

An enterprise, if it works and pays taxes, cannot fulfill the obligations of a taxpayer without a current account. The reason is the requirement of Article 45(3) of the Russian Tax Code. According to this norm, the obligation to pay tax is considered fulfilled from the moment the order for transfer to the budget is presented. If the company, after registration, has not yet begun real activities, and there is no taxable property on the balance sheet, then for some time you can do without a visit to the bank. But sooner or later, the head of the company will face the question - in which bank to open a current account for an LLC?

We list the criteria that potential customers consider important when opening a current account:

popularity of the credit institution in the financial market;
a wide network of branches and departments;
the speed of execution of the contract and other documents (ideally - in 1 day or visit);
favorable service rates;
convenient and understandable online banking interface;
transaction speed;
customer focus.

Undoubtedly, all this is important for the convenience of cashless payments. But when deciding in which bank it is better to open an account for an organization, it is necessary to pay attention first of all to its reliability and stable financial position.

If the bank in which LLC accounts are opened, then the legal entity will be in a more difficult position than the individual entrepreneur. Since 2014, individual entrepreneurs, as bank clients, have been equated with ordinary individuals. This means that they are covered by a guarantee of the return of funds in the current account in the amount of no more than 1.4 million rubles. LLC is classified as a third priority creditor, so the money will be returned only after the claims of the first and second priority creditors are satisfied. Of course, there is a high risk that payments will not reach legal entities.

Will you care about the speed of opening an account or the courtesy of bank staff if the bank's credit rating is critically low and the risk of license revocation is high?

How to assess the financial condition of a bank

All credit institutions are required to openly publish information about their activities. On the website of the Central Bank, the reports of banks are freely available: on financial and tax results, the amount of capital, compliance with mandatory standards.

But although the information is open, it is quite difficult to understand it without special education. When choosing where to open a current account for a company, you can refer to the ratings that are compiled by independent professional agencies:

international (S&P Global Ratings, Moody's, Fitch Ratings);
Russian (Rus-Rating, Expert RA, NRA, AK&M).

When choosing organizations to open a current account for an LLC, we focused on three important criteria:

Net assets (in rubles). This is the sum of the bank's own capital and liabilities (money of individual and legal entities, interbank loans and other attracted funds).
Creditworthiness. This is the ability of the bank to issue loans for short and long periods, taking into account the interest rate, target direction and conditions for issuing loans. The creditworthiness index is assessed by different rating agencies according to their own scale. Most often, the rating is denoted by the Latin letters A, B, C, D with the addition of the signs "+" and "-" and the forecast (negative or stable).
Funds of enterprises (in rubles). The higher the degree of trust on the part of business in a certain banking institution, the more own money is placed in it by legal entities and individual entrepreneurs. This is a kind of voting with the ruble on the question of where to open a bank account.

The best Russian banks

From the top 30 Russian banks, according to the version of the banki.ru portal, we have selected 5 credit institutions that, in our opinion, are best suited for opening an LLC account.

Alfa Bank. It provides a full range of banking services for all categories of clients, but is especially loyal to small businesses that are just starting their business. For them, even a special tariff plan "StartUp" has been developed with free registration of an LLC account and cards with sample signatures. When paying for banking services in advance, you can save from 17% to 25% of the cost of tariffs.

Opening. According to banki.ru, it was recognized as the "Bank of 2015". As part of the loyalty program for users, 1C-Start offers to open a bank account for LLC for free. The first three months of servicing and using online banking will also be free. If we also add partner bonuses here, then this financial corporation can be called number one in the category “Where is it more profitable to open a bank account”.

Sberbank of Russia.If in the question of which bank to choose for an enterprise, you are primarily guided by the size of assets, then the leader, of course, will be Sberbank. This is the largest credit institution in Russia and the CIS, with the most extensive network of branches and divisions. 50% of the authorized capital of Sberbank plus one voting share is owned by the Central Bank of the Russian Federation. In recent years, the management of the joint-stock company has been actively working to improve service. Positive customer feedback allowed Sberbank to receive the title of institution with the best customer support in 2015 according to banki.ru.

VTB. Another bank with state participation. Consistently included in the TOP-5 banks of Russia in all significant criteria. For business representatives involved in public procurement, it provides guarantees to secure obligations under contracts.

Tinkoff Bank. Ranked first in the Business Banking Fees Rank 2017 in terms of the cost of servicing a small business and first in terms of the cost of servicing a B2B service. Second place in the independent national rating of banks on banki.ru in terms of service quality. Ideal for start-up organizations and for all those who are not ready for serious expenses for banking services. The cost of tariff plans includes not only maintaining a current account, but also online accounting.