home Sample documents The Markswebb agency has updated its rating of banks based on the cost of servicing small businesses. Where is it better to open a current account for an individual entrepreneur or LLC? The best bank for legal entities

The Markswebb agency has updated its rating of banks based on the cost of servicing small businesses. Where is it better to open a current account for an individual entrepreneur or LLC? The best bank for legal entities

Hello, dear readers! Igor Eremenko, entrepreneur and author of the SlonoDrom.Ru resource, is in touch. Today we will talk about where it is more profitable to open a current account for an individual entrepreneur or LLC in 2019.

Several years ago, when opening an individual entrepreneur for the first time, I was faced with the question: in which bank to open a current account. If you have already opened or are just planning or, then most likely you have also asked yourself this question.

In this article I will present to your attention a detailed overview of the tariffs of reliable banks for opening and servicing a current account.

After reading the article you will learn:

What important criteria do banks need to present when opening a current account?
What fees and tariffs are established for banking services for a current account?
Which bank is better to open a current account?

So, let's find out which bank provides the best conditions for business owners! 🙂

1. Criteria for choosing a bank to open a current account

When choosing a bank, we will be guided by the following key criteria (the higher the criterion, the more significant it is):

Bank reliability
Cost of service (tariffs and commissions)
Availability and functionality of Internet banking
Opening cost
Interest on balance

I. Bank reliability is one of the important criteria that must be taken into account. Since the funds of legal entities in bank accounts are not insured, in the event of a bank bankruptcy, you can permanently lose all your money. Recently, it is no longer uncommon for the Central Bank to revoke the licenses of commercial banks.

Important!
One of my friends lost more than 3 million rubles. in one of the banks as a result of its bankruptcy. Neither the state nor the bank returned this money.

II. Maintenance cost— includes commissions, monthly and additional payments for servicing the current account. One of the important criteria along with the reliability of the bank.

Personal experience:
When I opened a current account for the first time, I noticed that most banks have almost no different functionality, but the price for services differs several times. Therefore, it makes no sense to overpay for the services of a current account (especially when the business is not yet making money)!

III. Availability and functionality of Internet banking. Since in modern times any payment transaction can be carried out via the Internet without visiting the bank and waiting in queues, the presence of Internet banking is a very important addition to the current account.

The functionality of online banking is also important, so that it is clear and easy to use.

IV. Opening cost- This is a one-time amount of money paid for opening a current account. On average, the cost of opening a current account ranges from 500 to 2,000 rubles. Some banks do not charge money at all for opening a bank account. Not the most important criterion, but it is also worth considering.

V. Interest on balance- this is the monthly amount accrued on the account balance according to the current interest rate. A good addition to your current account so that your money always works.

Even 2-8% interest per annum can provide good additional income!

2. Which bank is better to open a current account for an individual entrepreneur or LLC in 2019: TOP 8 banks - review of tariffs

For all tariff plans.

For free: mobile and internet banking, SMS info, salary and corporate cards.

The operating day is almost a day: from 1 to 20 hours Moscow time.

A current account is opened online in 3 minutes, all necessary documents will be delivered to your home or office free of charge.

+ there is built-in free accounting!

Eat. Great.

One of the best online banks in Russia. Clear and simple interface. Fast processing of transactions. Completely free. Additional partner bonuses are provided: for advertising, online accounting, corporate communications...

IV. Opening cost. For free.

V. Interest on the balance. Eat. High.

Tariff "Simple" - up to 4% on the balance. Tariff “Advanced” and “Professional” up to 6% on the balance.

You can go to the bank’s website and find out all the benefits of a current account

2. Modulbank

is a medium-sized bank that works exclusively with small businesses. It has good conditions for servicing current accounts.

I. Reliability — 4 out of 5 points. Above average.

The bank has existed since 1992. Stable bank. Since 2016, it has been working only with small businesses. Commercial bank, without the participation of state capital. Sovcombank owns 24% of the shares.

I I. Cost of maintenance. Low.

There are 3 tariffs to choose from:

1. Starting — 0 rub.
— Free payments are not provided. Carrying out 1 payment transaction will cost 90 rubles.
— The commission for withdrawals depends on the withdrawal amount: 1% (up to 100 thousand rubles), 3% (from 100,001 to 300,000 rubles), etc. Depositing funds at Modulbank offices and ATMs is free, through other banks - according to the commission of a third-party bank.
— Transfer to cards/accounts of individuals — 90 rubles.
— One free corporate card.

2. Optimal - 490 rub.
— Making 1 payment will cost 19 rubles.
— When withdrawing cash up to 50,000 rubles/month. there is no commission, up to 300,000 - 1% commission, up to 500,000 - 3% commission, etc. Depositing money into a current account at Modulbank offices and ATMs is free; through other banks and ATMs, third-party bank commissions are charged.
— Transfer to cards/accounts of individuals — 19 rubles.
— Corporate cards — 2 free.

3. Unlimited - 3,000 rubles.
— Unlimited number of non-cash payments.
— For withdrawals up to 100,000 there is no commission, up to 500,000 - a 1% commission, up to 1 million rubles - a 5% commission, over 20%. There is also no commission for depositing funds, provided that the deposit is made at the offices and terminals of Modulbank and its partners.
— Free transfers to cards/accounts of individuals.
— 5 free corporate cards.

For all tariff plans.

Free Internet bank,mobile banking, SMS notification.

Operating day: from 9 to 20:30. Payments are credited in 10 minutes.

It is also possible to open a current account via the Internet and immediately receive its number. The contract will be delivered to you at any convenient time.

III. Availability and functionality ь Internet banking. Eat. Great.

Modern, clear and simple online banking. One of the best.

IV. Opening cost. For free.

V. Interest on the balance. Eat. Average.

No interest is accrued on the “Start” tariff, 3% on the balance on the “Optimal” tariff, and 5% on the “Unlimited” tariff.

You can find out more about the current account in ModulBank!

3. Ural Bank for Reconstruction and Development

is another popular bank that provides free conditional services for a current account.

I. Reliability — 4 out of 5 points. Above average.

The bank was founded back in 1990, one of the largest banks in the Urals. Included in the TOP-50 credit institutions in Russia. Without the participation of state capital.

II. Maintenance cost. Below average - Average.

Tariff conditions vary significantly in different cities. Generally, in large cities with a population of over a million, service tariffs are significantly higher than in other cities of the country. At the same time, in cities with a population of over a million, there is no possibility of free service.

The bank offers a lot of tariffs, we will look at the 2 most optimal ones.

1. Tariff “Everything is simple” - 0 rub. (from 300 rub./month in large cities)
— The cost of one payment is 55 rubles (without subscription fee) and from 22 rubles. (if you have a subscription fee).
— Cash withdrawals through UBRD ATMs — 1%, through ATMs of third-party banks — 3%. Depositing cash in some cities is free, in others from 0.1%.
— 1 free corporate card.
— SMS notification — 39 rubles/month.

2. “Online” tariff - from 350 rubles/month

— Making 1 payment costs from 19 rubles. depending on the city.
— The commission for cash withdrawal is the same: 1% at UBRD ATMs, at other ATMs — 3%. The commission for depositing funds into an account depends on the city, in most cases it is free, in others it is from 0.1%.
— One corporate card is free.
— SMS notification — 39 rub./month.

For all tariffs.

Free Internet banking,mobile bank (view transactions).

Operating day: from 9 to 18:30.

You can submit an application for opening a current account via the Internet, and a bank specialist will come to you at a convenient time to complete the documents.

III. Availability and functionality of Internet banking. Eat. Average level.

Internet bank is average in terms of functionality.

A huge drawback is the virtual absence of a mobile bank. Through it, you can only view account transactions, but to create a payment transaction you will have to use the full version of Internet banking.

IV. Opening cost. For free. In some cities and tariffs - from 700 rubles.

V. Interest on the balance. No.

No interest is charged on the balance.

1.2 Current account in the largest banks in Russia - TOP 5 banks

Now let’s move on to a review of the well-known and largest banks in the country: Sberbank, VTB24, Alfa-Bank.

The reliability of these banks is the highest, since they are for the most part key in the Russian financial system, and their bankruptcy will mean that there are very serious problems in the entire economy. Moreover, even in conditions of a deep crisis, they will be financially supported by the state.

As you yourself already understood, the risks of bankruptcy of such banks are extremely small. However, with regard to the cost of service, the price, as a rule, is an order of magnitude higher than that of “second” tier banks.

1. Sberbank

4. Bank Tochka (Opening)

5. Conclusion

In any case, when choosing a bank, proceed from your own preferences and needs. If you have already had experience working with banks and have something to share, leave your opinion and feedback in the comments below.

Also, if you found more favorable conditions in other banks, write about it, I will definitely make a review and add it to the article.

That's all for me! I wish you successful business!

There are three basic criteria for choosing a tariff:

The number of free payments and the cost of paid ones.
The cost of servicing an open account per year or month. It is also worth considering the costs of maintaining an account that remains inactive for a long time. This is important for those companies that rarely use the services of banks.
Tariffs for withdrawing or replenishing an account in cash.

Other indicators also play an important role, but they are mainly important only in individual cases, so you should rely on them only when the company has a clear understanding of future activities in which these parameters play an important role.

Review of tariffs

To choose a favorable tariff with good conditions, you need to look through the offers of all banks, which is almost impossible. This rating table of the simplest ones can make the task easier. RKO tariffs(settlement and cash services) TOP 10 banks in Russia:

№	Bank	Maintenance / Opening (RUB)	Free payments	Cash deposit	Cash withdrawal	Translations (free)
1	Sberbank	For free	3	0,15%	3%	Up to 150,000 rub.
2	Opening	For free	3	0.3%+200r.	3,5%	Up to 150,000 rub.
3	UralSib	For free	3	0,15%	2%	Up to 150,000 rub.
4	Dot	For free	Everything is free	1%	Free	Free
5	Rosbank	For free	3	0,15%	1,5%	Up to 150,000 rub.
6	Promsvyaz	For free	3	For free	3%	Up to 150,000 rub.
7	Tinkoff	For free	49r/1pc.	0,15%	1.5%+99r	1.5%+99r
8	Oriental	490/month	5	For free	1,2%	25r
9	Alfa Bank	490/month	3	For free	3%	Up to RUB 150,000
10	Ural	4200 (one time)	Everything is free	0,05%	Free	Free

Please note that a number of offers regularly offer discounts. Thus, free service may only be available for a limited time. For example:

Bank opening". At the time of writing this article, account maintenance was free only for the first 5 months, after which you will have to pay 590 rubles/month.
UralSib. This service package remains free only for 3 months. Further payment – 480r/month.
Tinkoff. Free for only six months. Further on 490r/month.
Ural Bank. Free for 3 months. Then you will have to pay.
RosBank. Free for 2 months. Further on 590r/month.

Absolutely free plans has:

Sberbank.
Dots.
Promsvyazbank.

Based on the presented tariffs and figures, any legal entity, be it large LLCs, small firms or even individual entrepreneurs, can choose exactly the type of tariff that is optimal for the current way of doing business.

The rates shown above are for the lowest price range. However, the same banks have offers not only for small businesses, but also for medium-sized and large companies.

Mid-level tariffs:

№	Bank	Maintenance / Opening (RUB)	Free payments	Cash deposit	Cash withdrawal	Translations (free)
1	Sberbank	490/month	5	0,3%	1,4%	Up to 150,000 rub.
2	Opening	For free. After 5 months – 1290/month.	10	0,25%	3%	Up to 150,000 rub.
3	UralSib	For free. After 3 months – 1200/month.	5	0,12%	1,3%	Up to 150,000 rub.
4	Dot	500/month	10	0,2%	1,5%	Free
5	Rosbank	For free. After 2 months – 990/month.	12	0,15%	1,5%	Up to 150,000 rub.
6	Promsvyaz	For free. After 3 months – 333/month.	5	0,25%	1%	Up to 75000 rub.
7	Tinkoff	For free. After 2 months – 1990/month	Up to 29r/payment	For free	1%+79r.	1%+79r.
8	Oriental	1290/month	16r/payment	0,15%	1,2%	25 rub.
9	Alfa Bank	1440/month	16r/payment	0,18%	1%	Up to 100,000 rub.
10	Ural	4200	Everything is free	0,05%	-	-

High level tariffs:

№	Bank	Maintenance / Opening (RUB)	Free payments	Cash deposit	Cash withdrawal	Translations (free)
1	Sberbank	990/month	10	0,15%	1,4%	Up to 150,000 rub.
2	Opening	For free. After 5 months – 5990/month.	Everything is free	0,16%	2%	Up to 150,000 rub.
3	UralSib	2400/month	20	0,12%	1,3%	Up to 150,000 rub.
4	Dot	500/month for 3 months. Further on 2500r.	100	0.2% after 1 million.	Free	Free
5	Rosbank	For free. After 2 months – 1590/month.	30	0,15%	1,5%	Up to 150,000 rub.
6	Promsvyaz	For free. After 3 months – 1267/month.	19 rub/payment	0,25%	1,4%	Up to 75000 rub.
7	Tinkoff	For free. After 2 months – 4990/month.	Up to 19 rubles/payment	For free	1%+59r.	1%+59r.
8	Oriental	1890/month	20	Up to 300 thousand - free	Up to 30 thousand – free	25 rub.
9	Alfa Bank	3200/month	30	For free	Up to 150 thousand - free	Up to 100,000 rub.
10	Ural	900/month	27r/payment	0,05%	-	-

Which tariff should I choose?

Tariff selection depends on how exactly the company will operate:

1. Maximum free payments required: pay attention to the offers of banks: Otkritie, Tochka and Uralsky.

2. You need to frequently top up your account with cash: the best options are Tinkoff and Alfa-Bank.

3. Free service required: Sberbank, Promsvyazbank and Tochka.

4. You often need to withdraw money: Tochka and Eastern Bank.

In general, in almost all respects, depending on the size of the company and its needs, Tochka Bank will be the optimal offer. However, other options cannot be immediately dismissed, since some services may be more interesting in other banks.

The leaders of the rating were Modulbank, Tochka, Alfa-Bank and Tinkoff Bank. All of them offer the opportunity to open an account without visiting bank offices. The easiest way to open an account is at Tochka: the client is required to complete 12 “conditional actions” at the stage of filling out an application on the website, in a telephone conversation and during a meeting with the bank manager. Clients spend the least amount of time on contacts with the bank at Alfa-Bank - 31 minutes, including a meeting with the client manager. Tinkoff Bank showed the shortest waiting time for a bank response among the rating leaders - just under 26 hours.

The last lines of the rating are occupied by B&N Bank, Bank St. Petersburg and Uralsib Bank. To open a current account in these banks, the client must visit bank offices several times and fill out long paper or electronic forms. The process of opening a current account takes the longest at Uralsib Bank: the client needs to spend almost 2.5 hours contacting the bank (excluding time spent visiting the bank office) and a little more than 442 hours waiting for the bank’s response.


	Modulbank

	Alfa Bank
	Tinkoff Bank
	Promsvyazbank
	Vesta Bank
	Bank Avangard
	Sberbank
	Raiffeisenbank
	Bank opening




	Sovcombank

	Bank "Saint-Petersburg
	Bank Uralsib

How the rating was compiled

The study included banks that took high positions in last year’s studies of online banks for small businesses, as well as banks with the largest number of search queries “account for individual entrepreneurs %bank name%”. Of the 20 participants, it was possible to open a current account for individual entrepreneurs in 18 banks (“Zapsibkombank” refused to open an account for two independent mystery shoppers, and in “Rosbank” it was not possible to open an account within a month after submitting the application).

Banks were assessed according to several key criteria - the ability to open an account without visiting a bank office, the time spent on all contacts with the bank, the number of actions to transfer the necessary information to the bank and the waiting time for a response from the bank.

The respondents were three secret shoppers registered as individual entrepreneurs in Moscow. Each respondent sequentially opened current accounts in different participating banks, recording all contacts with the bank in the process of opening an account, the time of contacts, all actions on the part of the bank and the actions required from the client.

Hello, dear readers of the business blog site. Modern entrepreneurship is closely tied to the banking system. Today it is very important to competently think through the management and methods of calculations for business and understand the types of tax deductions.

In the article we will look at:

Which bank is best to open a current account for individual entrepreneurs and LLCs + examples?
Let's compare 10 major market competitors and tell you what advantages and disadvantages they have;
Let's consider favorable rates for maintaining bank accounts for entrepreneurs and legal entities.

In the article you can find out where it is profitable to open a current account for an individual entrepreneur/LLC + comparison of banks.

Let's take a closer look at all the nuances of opening and profitable offers for working with accounts for small and large businesses.

List of documents for opening a current account for individual entrepreneurs and LLCs

The opening procedure is simplified as much as possible. The individual entrepreneur is required to:

business permit();
extract on registration with Rosstat;
USRIP extract.

photocopies of founders’ documents;
order of appointment to a leadership position;
sample signatures;
photocopy of passports of LLC persons;
extract from the Unified State Register of Legal Entities ().

Also, for individual entrepreneurs and LLCs, you must equally provide:

statement;
a completed information form;
passport (for the person who comes to the department)

Sometimes the list of certificates may be expanded at the request of the inspection organization. Often they additionally ask for evidence of the absence of debts or a review from one of the business partners.

Why open a PC and is it possible without it?

In practice, it is more convenient to conduct business through a banking institution. They charge a fee, but at the same time provide convenient functionality for reports to the Federal Tax Service, Pension Fund and Social Insurance Fund. You receive an extract and take it to the inspectorate, no complications or hassles.

According to the law, if the amount of contracts with counterparties exceeds 100 thousand rubles, then it is mandatory to enter into cooperation with a bank.

RS provides the following advantages:

Possibility of acquiring.
Removal of restrictions on cash payments.
Transfer of non-cash salaries.
Integration with 1C accounting, etc.
Possibility of self-collection.
Additional service.

Integration with accounting and . These two components increase profitability and simplify reporting to the Federal Tax Service, Pension Fund, and Social Insurance Fund. Fewer hassles during inspection checks.

Which bank is better to open a current account for individual entrepreneurs and LLCs in 2019: TOP 10 banks

There are 10 well-known financial institutions in the modern market. They fell into this category due to their reliability and wide range of clients. If you have entered into an agreement with them, you can be confident in the quality of the services provided.

No. 1: Sberbank

One of the largest financial figures in the country, his offices are located in all cities of the country.

Cost: from 1000 to 1700 rubles;
Opening: from 1500 (2300 for St. Petersburg, 3000 for Moscow) for 1 day;
Transfer: 35 rubles;
For cash withdrawal: 1%;
Online accounting: built-in.

Tariffs from Sberbank.

Sberbank is certainly a reliable institution that has been operating for a long time. Its branches are located in any major city, but the main problem is long lines.

No. 2: VTB

The share of state ownership is over 60%, it is the second giant after its previous competitor. VTB offers lower interest rates for deposits and withdrawals, but you still have to pay to connect to Internet banking.

Monthly maintenance: from 1200 to 3200;
Internet banking connection: 250;
Cash deposit: 0.39%;
Cash out: 0.5% .

Tariffs from VTB.

No. 3: FC Otkritie “Open bank”

This private project is young and modern, it started under its own name in 2012 (before that it was part of other credit and financial systems), quickly gained popularity and in 2019 is an important part of the country’s financial system.

New client: 2 months free for everyone + 2 months. with annual payment as a gift;
Price: from 590;
Cash deposit: 0.3-0.16%;
Withdrawal: 3.5-2%;
External payments: 79-49 rub.

Open Bank offer.

FC Open is not so widespread throughout Russia, but has offices in large cities. With them, just like with others, you can open a current account online, leave a request and a specialist will call you back. Next, you just need to come to the office with all the documents.

No. 4: Alfa Bank

The largest private financial institution in the Russian Federation. Specializes in flexible tariff plans and a wide range of partners. Alfa Bank provides lower prices (from 15,000 to 30,000) + the possibility of installments. This is noticeably cheaper than competitors.

The main difference: no turnover - no payments;
Cost: from 490;
Interest on payments: 50 rubles;
Cash receipt: from 1%.

Alfa-Bank tariffs.

#5: Vanguard

A young private bank that offers its holders excellent online service. It’s nice that they don’t have unnecessary advertising on their website; the user is immediately given the opportunity to read the contract.

Initial contribution: 1000 rub. ;
Price per month: 900;
Transfer fee: 30 rub. ;
Interest for transfer to physical face: from 0.5 to 1%;
cashing out: 0.5-2% .

Offer from Vanguard.

#6: Revival

One of the main offers from Vozrozhdenie is pay what you want. As part of the promotion, you can register an account without any payment.

First payment: 3000;
Monthly fee: from 0 to 1800;
Cash replenishment: 0.1%;
Transfer fee: from 10 to 100 rubles.

Bank "Revival.

No. 7: Point

Tochka is a branch of FC Otkritie; is aimed exclusively at entrepreneurs, the entire structure is optimized for small and medium-sized businesses. Fast support, detailed instructions, a convenient online account and low acquiring rates are the main advantages of the organization.

Bank point and proposal for opening accounts.

Promotion: up to 5 months as a gift, flexible tariffs;
Start: 0r;
Monthly maintenance: from 570 to 7500;
Cashing out: no commission within tariff limits;
Replenishment: no extra. boards;
For the balance: up to 8% per year.

Nice addition. You can order a call on the website, the manager calls you back in 5 minutes and gives a full consultation.

No. 8: Binbank

The main shareholder of Binbank is the state, over 99% belongs to the Central Bank of the Russian Federation - this is a completely state project. They have:

Specialist. offer: 0 for connection when purchasing a cash register;
Start: 0;
Tariffs: from 1500 per month;
Percentage for transfers: 0.3%;
Cash withdrawal: 1%.

Conditions for maintaining accounts in B&N Bank.

No. 9: Raiffeisen

Raiffeisen has foreign capital in its assets. Throughout his career, he has distinguished himself by his loyal attitude and favorable offers for his clients.

Start: 0r ;
Monthly payment: from 990r;
Specialist. offer: up to 6 months. as a gift, card for RS;
Withdrawal: 1%.

Raiffeisen Bank tariffs for individual entrepreneurs and LLCs.

No. 10: Tinkoff

And in conclusion, I would like to mention Tinkoff bank. This is a modern solution on the market and in their advertising they offer extremely interesting ideas.

Tinkoff stands out with a whole host of interesting ideas:

No turnover - no payment;
up to 78,000 rubles for advertising;
Up to 2 months for nothing;
Built-in accounting in your personal account (calculates taxes and prepares a declaration);
cashback up to 30%;
Mobile applications;
Profitable acquiring.

Offer from Tinkoff Bank.

Where to open a current account for individual entrepreneurs and LLCs: 4 free accounts in banks + comparison table

The RS does not exist for absolutely nothing. But Tochka offers 2 months trial + 3 free upon payment. We recommend taking a closer look if you have very little money in business to start.

To determine where a current account for individual entrepreneurs is more profitable, we compare the characteristics of competitors in the table. ( Images are clickable).

Abbreviations:

ind. - individually;
n/a - no data;
5-1 - from 0.5% to 1% inclusive;
External payment becomes paid after the free limit expires.

If you study all the reviews in more detail, the main indignation of customers are:

unexpected commissions;
rudeness of employees for no reason;
queues;
misinformation;
human factor (incorrect completion of documents).

In practice, out of millions of customers, only 100 of them encounter problems, often associated with their own inattention. As for rudeness, employees won’t just be rude. If this happens, write a complaint to the main office, they will quickly sort it out.

How and where is it more profitable to open a current account: expert advice + example

Based on the material described above, we can conclude where it is more profitable. In general, based on what has been studied, we can come to the following decisions.

Sberbank, VTB	Reliable. Convenient cash withdrawal.
FC Otkritie, Tochka	up to 5 months as a gift + flexible tariffs. But it's hard to cash out. Accumulation of up to 8% on the balance.
Alfa Bank	Priority for a wide range of partners + discounts for the purchase of a cash register and terminal.
Avangard, Raiffeisen	Lots of positive reviews, attractive conditions. But there are no interesting offers or discounts.
Tinkoff	Lots of ideas, promotion on an advertising account, no turnover - no payment. But many complain about large commissions + unexpected terms of transactions.
Renaissance	Poor service, old technology. But there is a free plan.
Binbank	0R per RS when purchasing a cash register, quite a popular choice in cities.

If you want to save money - Tinkoff, Tochka, Otkritie. But be careful, low interest rates are additional terms of the contract.

Do you prefer stability - VTB, Sberbank, Alfa. But you will have to pay for reliability with high commissions.

No. 1. Don’t be fooled by advertising and read contracts in detail

Somewhere for a free month you have to pay an annual tariff, sometimes there are not obvious deductions. Be careful before signing documents.

No. 2. Don't trust just reviews

Unfortunately, you can find many negative reviews on the Internet for any of the competitors described above. Most of them are related to the incorrect behavior of the applicant himself: he did not read the contract, did not look at the notice in time, etc.

A general trend can be found in negative reviews. If you complain about your account being blocked, look into the reason for the blocking. Unexpected interest - did not read the details of the cooperation. Many clients themselves do not fulfill the obligations they signed up for, and then blame others.

No. 3. Find out where the nearest branch is

There is no point in opening a personal account in a financial institution if it is located far from the place of business. In small towns, it is better to give preference to the nearest branch - it will be easier to deal with unforeseen situations.

No. 4. Current account and cash management services

These two concepts are close to each other. An account is an account to which the company’s income is transferred and from which employee salaries are transferred.

Maintenance are services that allow you to manage your account more efficiently. It involves integration with accounting, detailed reporting, package offers, etc.

In most financial institutions, together with the RS, a service for it is opened. Therefore, there is almost no difference between these terms; it is one common complex.

Conclusion + Video

We hope that after reading you will be able to finally decide in which bank to open a current account for an individual entrepreneur or LLC. If doubts still remain, we will add that according to statistics, Sberbank is the most common solution.

In this article we will figure out where to open a current account in 2019. Let's consider the tariffs for opening, servicing an account and the terms and conditions of cash settlement services of popular banks. You will also find out whether a current account is needed for individual entrepreneurs and LLCs, and who notifies the tax office about its opening.

Where to open a current account - comparison of tariffs

If you are faced with the task of choosing a bank to open an account, then you need to take into account many parameters: its reliability rating, range of additional services, quality of service, etc. Prices for services often play a decisive role.

We have prepared for you a table with tariffs for maintaining an account in popular banks:

Bank's name	Opening cost	Maintenance cost
	0 rub.	TP “Simple” - 490 rub. TP “Advanced” - 1,990 rub. TP “Professional” - 4,990 rub.
	0 rub.	TP “Required minimum” - 0 rub. TP “Golden Mean” - 500 rub. TP “All the best at once” - 2,500 rub.
	0 rub.	TP “Start” - 0 rub. TP "Optimal" - 690 rub. TP “Unlimited” - 4,900 rub.
	0 rub.	TP "Economy" - 0 rub. TP “Optimal” - 790 rub. TP “All inclusive” - 4,790 rub.
	0 rub.	TP “Start” - 0 rub. TP "Optima" - 990 rub. TP "Unlimited" - 4,990 rub.
	0 rub.	TP “Tariff 1%” - 0 rub. TP "Electronic" - 1,440 rub. TP “Success” - 2,100 rub. TP "Alfa-Business Foreign Economic Activity" - 3,200 rub. TP "Wholesaler" - 3,200 rub. TP “Everything you need” - 9,900 rub.
	0 rub.	TP “Business Start” - 0 rub. TP “Pay less” - 399 rub. TP "Business Light" - 1,050 rub. TP “Business 24×7” - 1,600 rub. TP "Business Check" - 2,290 rub. TP “My Business” - 1,800 rub.
	0 rub.	TP “Easy Start” - 0 rub. TP “Lucky Season” - 490 rub. TP “Good Revenue” - 990 rub. TP “Active settlements” - 2,460 rubles. TP “Great Opportunities” - 9,600 rub.
	0 rub.	TP “Favorable start” - 0 rub. TP “Active growth” - 990 rub. TP “More opportunities” - 1,790 rub. TP “Reliable solution” - 3,100 rub. TP "Major League" - 7,590 rub.
	0 rub.	S - free. M - 990 rub./month. L - 4,990 rub./month.
	0 rub.	TP “Your Start” - 490 rub. TP “Your online” - 1,390 rub. TP “Your success” - 1,990 rub. TP “Your scale” - 3,190 rub. TP “Your World” - 4,290 rub. TP “Your Unlimited” - 8,990 rub.
	0 rub.	TP "Startup" - 0 rub. TP “Basic” - 399 rub. TP "Trading" - 1,500 rub. TP “All inclusive” - 3,000 rub.
	0 rub.	TP “Everything is simple” - 0 rub. TP "Economy" - 500 rub. TP "ONLINE" - 700 rub.
	0 rub.	TP “First Step” - 0 rub. TP “Fast growth” - 490 rub. TP “Your Business” - 1,290 rub. TP “The whole world” - 1,990 rub. TP “Open Opportunities” - 7,990 rub.
	0 rub.	TP “Start” - 490 rub. TP “Basic” - 1,900 rub. TP "Optimum" - 2,900 rub. TP "Maximum" - 7,500 rub.
	0 rub.	TP “Start” - 0 rub. TP "Master" - 490 rub. TP “Success” - 1,490 rub. TP “Together” - 0 rub. TP “Start” - 650 rub. TP “Remote” - 1,150 rub. TP “Personal” - 1,850 rub. TP "Profitable" - 3,000 rub.

Now let's look at the advantages of cash settlement services in each bank in more detail.

Tinkoff Bank

Tinkoff received a credit rating of A from the ACRA agency and has repeatedly confirmed it. The operating day lasts from 01:00 to 20:00 (Moscow time). For external payment you need to pay from 19 to 49 rubles. depending on the connected service package. At the same time, for the “Simple” and “Advanced” tariff plans, the subscription fee already includes 3 and 10 free payments, respectively.

To withdraw cash by card you will have to pay at least 1% of the amount plus 59 rubles. But individual entrepreneurs will be able to transfer from 400 thousand to 1 million rubles to their own Tinkoff cards without a commission. You can receive up to 6% on your account balance.

When you open an account with Tinkoff, you will receive free accounting, as well as the opportunity to use a huge number of additional services (free salary project, bank guarantees, acquiring, etc.). From 3 months of service you can activate an overdraft.

Mobile and online banking at Tinkoff have repeatedly received high marks for efficiency. And any questions can be resolved with a personal manager via chat.

Dot

Tochka is a project of FC Otkritie Bank. The “Golden Mean” tariff plan provides 10 free payments to other banks, and on the “All the best at once” tariff there will already be 100 of them. If this number is not enough, then for each subsequent transfer you need to pay 60 or 15 rubles, respectively. On the “Required Minimum” TP all translations, including physical ones. persons - free. External payments take place from 00:00 to 20:00 (Moscow time), and intrabank payments operate around the clock.

You can withdraw cash without commission at the “Required Minimum” tariff, as well as up to 100 thousand rubles. — with the “All the best at once” service package activated. In all other cases, you will have to pay at least 1.5% of the amount received.

Internet Banking Points can be easily integrated with any popular accounting programs and services. A free mobile application is available to interact with the bank outside the office. On the “All the best at once” tariff, a 2% cashback is returned for paying taxes.

Modulbank

Modulbank specializes in servicing individual entrepreneurs and small companies. Payments are made from 01:00 to 20:45, and the cost of each payment is from 19 to 90 rubles. On the “Unlimited” tariff, all payments are free. You can withdraw up to 50 thousand rubles from a business card without commission. on TP “Optimal” or up to 100,000 rub. when using the “Unlimited” package. In other cases, the bank commission will be 2.5%.

Up to 7% per annum is charged on the average monthly account balance. In Modulbank’s Internet bank you can not only manage your account, but also view analytics or connect additional services: acquiring, payroll project, accounting, online cash register, etc. Modulbank’s accounting services are free for individual entrepreneurs on the simplified tax system of 6%.

Sovcombank

Sovcombank is a large bank with a wide network of branches and good reliability indicators. According to ACRA, it has been assigned an A rating. External payment processing costs from 15 to 50 rubles.

Cash withdrawal for salary is possible with a commission of 0.5%. When receiving cash for household expenses. needs and other purposes, the tariff will range from 1.1 to 15%.

BCS Bank (Sphere)

BCS Bank has placed great emphasis on servicing legal entities and individual entrepreneurs. And he opened a separate service called Sphere with very competitive rates. There is a free tariff, payment cards starting from 25 rubles, convenient Internet banking and a mobile application, filing reports with the tax office, etc. The sector will provide good competition to market leaders Tinkoff, Tochka and Modulbank.

Loko-Bank

The cost of an external payment card at a bank will range from 19 to 59 rubles. For cash withdrawals to pay salaries, 0.6% is withheld. When receiving cash for other needs, the commission will be higher - from 3%. When you subscribe to the “Unlimited” package, you can withdraw up to 300 thousand rubles from your account per calendar month for free.

An individual entrepreneur from his account in Loko-Bank can transfer up to 500 thousand per month to his own personal account. persons without commission. Account replenishment is available throughout Russia, both in Loko-Bank’s own branches and through the partner network.

To manage your account, you have access to a convenient online banking system. Free funds can be placed on deposits, and if there is a shortage of own money, Loko-Bank will issue a loan together with the SME Corporation.

Promsvyazbank

Currently, 100% of the shares of PSB belong to the DIA, and in the future it is planned to create a support bank on its basis to service the State Defense Order.

Promsvyazbank's tariffs include from 3 to 30 free external payments. Each additional payment will cost 18 - 110 rubles. depending on the selected package. External payments are processed the same day until 20:50.

Withdrawing cash from an account for individual entrepreneurs will cost at least 1.4%. Legal funds from the account are issued to individuals at 0.5%.

Alfa Bank

Alfa-Bank is one of the largest credit institutions in the Russian Federation. Its high level of reliability is confirmed by the ACRA agency (AA rating). External payments are sent from 01:00 to 23:30 (Moscow time). The cost of the payment will be from 0 to 30 rubles. depending on the connected package. Many service packages include 3 – 30 external payments.

Withdrawing cash from a card will cost at least 1.5% of the amount. In the “Wholesaler” and “Everything you need” tariffs, you can cash out 150 and 500 thousand rubles, respectively, for free. Regardless of the connected service package, an individual entrepreneur can transfer up to 100 thousand rubles to a personal account for free.

You can deposit money into accounts and withdraw them through Alfa-Bank ATMs throughout the Russian Federation, and for the convenience of account management, a personal account is available on the website and application. When concluding an agreement on cash settlement services, the credit institution gives gifts and discounts from partners in the amount of up to 150,000 rubles.

Sberbank

This is the oldest and largest bank in the Russian Federation. A controlling stake in a financial institution is owned by the state. Payments are made daily from 7:00 to 23:00. The cost of payment is from 10 to 100 rubles. Tariffs include from 3 to 100 free payments.

Servicing a business card will cost 2,500 rubles. for the second year, and withdrawing money from an ATM using it is at least 1.4% of the amount received. Regardless of the chosen tariff, an individual entrepreneur can transfer up to 150,000 rubles to a personal card in Sberbank for free. per month.

Sberbank will not only open an account for a business, but will also offer many support services (online cash registers, accounting, guarantees, etc.). Account management is carried out through Sberbank Business Online, which integrates with any accounting programs.

When concluding an agreement, Sberbank gives gifts from partners for a total amount of up to 100 thousand rubles.

UBRD

UBRD is a large TOP-50 bank. The cost of the payment, depending on the tariff, will be 25 or 79 rubles. In addition, the “Economy” tariff plan includes 10 payments. On the current banking day, only external transfers sent before 18:00 are processed. IP without charging additional fees. commission can transfer up to 300 thousand rubles to a personal account. per calendar month. Withdrawing funds from the account will cost at least 1.1% of the amount.

Opening

External payments in the bank are carried out from 00:00 to 20:00 (Moscow time). For each of them you will have to pay 25 - 100 rubles. The packages include from 3 and 15 free payments, and there is no fee for transfers on the “Open Opportunities” TP.

To personal accounts persons can be transferred without commission up to 500 thousand rubles. per calendar month, regardless of the connected service package. Cash withdrawals are charged 1 - 10% depending on the connected tariff and the transaction amount.

SKB-bank (DeloBank)

SKB Bank is a large bank based in Yekaterinburg and actively developing throughout Russia. Within its online version - DeloBank - 5 tariffs are available with payments for 25 - 87 rubles. (0 rubles - on the “Major League” TP). When concluding an agreement, a business card is issued as a gift for depositing and withdrawing cash, as well as non-cash transactions. Getting money from an ATM will cost at least 2%.

All paid tariffs provide for the accrual of interest on the balance. It is also possible to open a deposit. In the Internet banking system, you can manage not only your current account, but also your personal account. faces.

Eastern Bank

KB Vostochny is registered in the Amur region, but actively works with clients throughout Russia and is one of the leading banks in the Far East. The basic cost of an external payment is 35 rubles. Many packages include free payment cards: 5 pcs. — in the “Your Start” tariff, 15 pcs. — “Your Online”, 30 pcs. — “Your success”, 60 pcs. - “Your scale” and unlimited quantity - in the “Your Unlimited” TP.

Cash withdrawals will cost a minimum of 1.2% of the amount received. You can withdraw from 10 to 500 thousand rubles without interest. depending on the chosen tariff. There are no fees for using Internet banking, and when opening an account, Vostochny automatically approves an overdraft.

Vesta Bank

For a long time Vesta served only wealthy clients, but then switched to providing services to small businesses. An interbank transfer will cost 20 rubles (for the Startup tariff plan - 89 rubles, for the All Inclusive tariff plan - 200 payments are included in the tariff).

Commission for receiving cash at households. needs will be from 1%. Individual entrepreneurs can transfer money to personal accounts up to 500 thousand rubles without commission. (at TP “Startup” - 300 thousand rubles).

Access to Internet banking is provided free of charge. If necessary, you can connect a salary project, acquiring or open a foreign currency account.

Raiffeisenbank

Raiffeisenbank is part of a large Austrian holding company and has excellent reliability indicators (ACRA rating - AAA). The cost of an external payment in addition to the number of services included in the package will be 25 rubles. This price is the same for all tariffs.

The commission at Raiffeisenbank for issuing cash for salaries will be 0.5% of the amount, and for all other purposes - at least 1.6%. Regarding physical individuals can transfer up to 30 - 700 thousand rubles for free. depending on the tariff.

Expert Bank

Expert Bank is based in the Omsk region, but serves clients throughout Russia. Its distinctive feature is the most honest and open tariffs. The payment will cost from 0 to 85 rubles, and on the “All Inclusive” tariff, sending any payments is included in the tariff.

To withdraw cash and pay business or travel expenses, Expert Bank issues business cards free of charge. On the “Optimal” TP, you can withdraw up to 100,000 rubles from cards without charging a commission, and on the “Unlimited” TP – up to 700,000 rubles.

Where is the best place to open an individual entrepreneur current account?

Here is a list of optimal banks for opening an individual entrepreneur account:

Where is it more profitable to open an LLC current account?

List of the best banks for opening an organization account:

Banks opening a current account for free

It takes literally 1 hour to open an account in many banks. Thanks to modern technologies, this procedure is quick, and entrepreneurs do not need to visit bank branches. You can reserve an account via the Internet; the contract and other documents will be delivered by courier.

This simple account opening procedure is free for businessmen. Credit institutions that do not charge a fee for this operation include:

Modulbank, Tochka, Loko-Bank, Sfera, Delobank and others are also ready to offer tariffs without a subscription fee. Other banks (for example, Tinkoff, Alfa-Bank) offer up to 2-3 months of free servicing of a new account.

A package of documents for opening a current account for individual entrepreneurs and LLCs

When opening an account, the bank requires a certain package of papers. Preparing the necessary documents will not take much of your time.

The individual entrepreneur will need a passport and OGRNIP. If the account is opened by a representative, a power of attorney will be required.

Important! The possibility of opening an account by power of attorney must be clarified in advance with the selected bank. Not all banks open accounts through third parties.

List of documents for opening an LLC account:

Constituent documents (Charter, Memorandum of Association, decision on establishment, etc.).
Documents for the manager (passport, protocol or decision on appointment to a position).
Certificate of ownership or lease agreement for an office (not required by all banks).
Other documents as required by the bank (tax certificate or latest accounting reports, etc.).

Is it necessary to open a current account?

The law does not oblige individual entrepreneurs to open a current account, but LLCs need one. But doing business with it is much more convenient.

We must not forget about the limitation on the maximum transaction amount in cash of 100,000 rubles. Not all companies are ready to renegotiate contracts in order not to violate this norm, and most large suppliers completely refuse to accept payment for goods (services) in cash.

Should I notify the tax office about opening a current account?

Until May 2014, when opening an account for individual entrepreneurs and legal entities. persons were required to submit a corresponding notification to the Federal Tax Service and insurance funds. But now this responsibility has shifted to the banks. In fact, when opening an account, it is enough to submit an online application to the bank and prepare documents. All other work will be handled by bank employees.

We were glad to help you! If you have any questions, please ask in the comments.