Which bank is profitable to open an account. In which bank is it better to open a current account for an individual entrepreneur? Choosing the best bank for entrepreneurs

Despite the fact that, at the legislative level, a current account is a right, not an obligation, its absence can greatly limit entrepreneurial activity. Of course, it all depends on the nature of the business. So, an account should be opened by entrepreneurs who plan to make transactions from 100 thousand rubles, because. cash payments for amounts exceeding this limit are prohibited by law.

How to open a current account for an individual entrepreneur: a short FAQ

1. Is a sole trader required to open an account? No, it is his right, not his duty. But it is impossible to carry out settlements in the amount of more than 100 thousand rubles without a cash account.
2. How long after registering an individual entrepreneur do you need to open a bank account? There are no statutory deadlines.
3. Can I open multiple accounts? Yes, sure. Their number can be any.
4. Do I need to notify the authorities about the opening of a cash register? Yes, if the account is opened outside the Russian Federation. If in a Russian bank, then the credit institution will do this for the entrepreneur. Until 2014, the individual entrepreneur had to notify the tax and the Pension Fund himself, otherwise he was threatened with a fine of 5,000 rubles.
5. Is it possible to open a free current account for an individual entrepreneur? Can. There are banks that do not take a commission in the absence of turnover. But often this applies only to tariffs with a high monthly payment. And as soon as there is at least some movement on the account, such a package of services becomes unprofitable.

If the account is optional, then why open it?

• Making payments online is faster and more convenient.
• It is easy to pay taxes and mandatory payments.
• The ability to conduct transactions for amounts over 100 thousand rubles.
• Most companies prefer cashless payments, so they may refuse to cooperate with an individual entrepreneur who does not have an account.
• The ability to accept payments from customers with plastic cards and through electronic money systems (Yandex.Money, Webmoney, QIWI and others).

How to open a current account for an individual entrepreneur - step by step instructions

Opening an account for an individual entrepreneur is not a quick matter. As a rule, it takes at least 5 working days, not counting the choice of a credit institution. The steps of the procedure can be summarized as follows:

• Choosing a bank, comparing conditions for cash settlement;
• Collection of documents;
• Applying to the bank;
• Opening a current account;
• Documents receiving.

Step 1. Choose a bank for IP

An individual entrepreneur can stop at any bank that provides an cash settlement service. In order to compare according to objective criteria, before applying to a credit institution, it is necessary to prepare an approximate scheme of financial flows in the company:

• How many payments are planned per month;
• What is the average amount of operations planned (if large payments are expected, then this should also be taken into account);
• Will funds be withdrawn for economic needs;
• How much money per month is required for the issuance of wages.

Even if an entrepreneur is just starting, he must imagine what speed he will be ready to reach, say, in six months.

In each bank, it is advisable to ask a consultant to calculate the cost of cash settlement services per month based on specific data. Do not rely solely on monthly account maintenance information. The fact is that most credit organizations practice limits. For example, the cost of 50 payment orders can be 10 rubles, and starting from the 51st - 100 rubles. for the operation. And it will be unprofitable to make calculations more than 50 times a month.

In addition to the cost of the service, important criteria for choosing a bank will be:

• Availability of means of remote interaction (online banking for individual entrepreneurs, mobile application);
• Convenient location of the bank office (you still have to travel, especially if there are problems with Internet services, and you need to send payments);
• Are the deposits insured by the state (if the bank is not included in the deposit insurance system, then when the license is revoked, the entrepreneur loses everything without a trace);
• Other offers for entrepreneurs (interest on the balance, lending on preferential terms, issuing a plastic card for business, etc.).

Some banks provide the service of online registration of a current account. However, without visiting the branch, an agreement on cash settlement services cannot be concluded. In fact, we are only talking about reserving an account, that is, in any case, you need to submit a package of documents, this requires your personal presence (or you can make a power of attorney).

Step 2. Collecting documents and submitting an application

List of documents for opening an account:

• IP passport;
• Application for opening a settlement account;
• Extract from the USRIP (can be downloaded and printed electronically);
• Certificate of registration as an individual entrepreneur or an EGRIP record sheet;
• Signature sample (if not issued by a credit institution);
• Licenses (when conducting activities requiring licensing)

It is easiest to make a card with signatures directly at the bank if the individual entrepreneur does not have it. Otherwise, standard documents are required that the entrepreneur has on hand. They must be brought to the bank branch. The application is usually drawn up in electronic form, and the operator prepares an agreement on its basis, which will be signed after consideration of the application. The Bank is also entitled to request other documents, as well as a seal (if available).

Step 3. Opening a current account

After submitting an application and before opening an account, an average of 5 more days pass. You need to wait. At this time, the credit institution checks the documents. As soon as a decision is made, bank employees must notify the client about it.

Important! Submitting an application does not guarantee the opening of an account. The Bank has the right to refuse to provide this service to the client. This usually happens if there are errors in the application, incorrect information was submitted, or additional documents were not submitted confirming the right to conduct business, the availability of business premises, etc.

Step 4. Receiving documents from the bank

After all checks, the bank sends a notification to the client with the decision made: open a bank account for individual entrepreneurs or refuse cash settlement. Most of the time it gets approved. In case of refusal, it is important to find out its reason and re-submit documents. You may need to contact another bank.

If the decision is positive, it is necessary to sign an agreement, pay for the service and start using the current account.

• An entrepreneur should open a current account for an individual entrepreneur, there are more pluses from this than minuses. This includes the possibility of non-cash payments, and transactions in the amount of 100 thousand rubles, and accepting payments by cards.
• When choosing a credit institution, it is important to compare tariffs in detail using the example of an existing business.
• It will take time to open an account, this fact must be taken into account and not planned before signing the payment and receipts agreement. Promises to immediately open a bank account for individual entrepreneurs should be treated as an advertising ploy.

The Bank has the right to refuse to open an account. This usually happens due to errors in the application and failure to submit the requested documents.

Any businessman is faced with the need to make settlements with their customers, suppliers, partners. Making such cash transactions is extremely inconvenient, and sometimes completely illegal. Therefore, individual entrepreneurs should choose for themselves the most suitable bank for settlement and cash services.

What to look for when choosing a bank and cash register tariff

Settlement and cash services (CSS) is a set of services that allows business representatives to conduct their activities as comfortably as possible. In the course of interaction with the bank, an entrepreneur often operates with large sums, so the selection of a suitable financial institution must be approached carefully. When conducting a search, it is necessary to evaluate a whole range of factors:

• Bank reliability. You can evaluate it by studying the ratings of experts and agencies. It would not be superfluous to find out the history of the bank: how long has it been operating on the market, who is the founder, is there any state participation. The financial indicators of the organization (size of assets, profit) will also become objective factors for evaluation. If it is difficult for an entrepreneur to independently evaluate such a large amount of information, you can at least study the ratings of various agencies and their designations. The most accurate and verified information at the Russian level is provided by the RAEX rating agency (Expert RA).
• Features of opening a cash register. The most important factor is cost. Too high costs for maintaining a current account will be unprofitable for the entrepreneur, so the price for service remains one of the key points today. Additionally, you should pay attention to the speed of opening the account. When estimating the cost of maintenance, it is necessary to take into account the range of services included in the basic package. Some banks may offer to open an account and maintain it for free, and charge a large commission for transactions.
• Calculation speed. For entrepreneurs, this parameter is very important, because if there are delays in transfers, problems with suppliers, partners and customers may arise. It is very good if the bank makes calculations instantly. Some financial institutions allow you to transfer money without delay using Internet banking. In many ways, the speed also depends on the length of the operating day in the bank. For example, if it works around the clock, then the money will be transferred to the entrepreneur or his counterparties as quickly as possible.
• Availability of remote banking systems. Large banks offer their customers Internet banking systems, mobile banking, SMS informing. All this makes interaction with a financial institution as comfortable as possible. An entrepreneur can make payments and transactions without leaving home or while at work.
• Scope of services. These include consulting support, work with a personal manager, the speed of foreign exchange services and the possibility of using additional bank services (loans, overdrafts, credit cards, acquiring, collection). If a financial institution cannot provide the full range of services needed by an entrepreneur, then it should be abandoned by finding favorable service conditions in another bank.

When looking for a bank, one should not forget about the level of security. The financial institution must guarantee the impossibility of theft/loss of funds in the accounts. In the presence of remote banking systems, entry into them should be carried out not with a simple password and login, but with the use of SMS passwords or special keys.

Sberbank

Opening an account with Sberbank allows you not to worry about the safety of your own funds. Transfers here are made quickly, especially when using the RBS system Sberbank Business Online. A wide variety of tariffs and the possibility of reserving an account are provided for customers. Sberbank often holds promotions, reducing the cost of service packages when they are paid for 3 or 6 months in advance. As a bonus, business owners receive 120,000 rubles as a gift for promoting their company on the Internet.

Bank Tochka

You can open an account at Tochka Bank at any of the 3 tariffs presented for free. You will not have to pay for its maintenance even in the absence of turnover. The Economy tariff provides 3 free months of account maintenance. The conditions of cash settlement in this bank are one of the most favorable, the advantages include the absence of a commission for depositing cash, the possibility of making free payments and receiving limited amounts without a commission, accruing interest on the balance. Users will also be pleased with convenient modern Internet banking.

Tinkoff bank

According to the analytical agency MarksWebb, RKO Tinkoff Bank's tariffs are considered the most profitable. The client can issue a corporate card for free, use Internet banking, make payments using it at any time of the day. Interest is accrued on the account balance depending on the amount and tariff plan. For 490 rubles from the 4th month you can use the overdraft service. You can get from 2 to 8 months of free service, and if you actively use a corporate card, you won’t pay for it at all.

Raiffeisenbank

When paying for account maintenance for 12 and 24 months, respectively, you can get free account maintenance for another 3 or 6 months. It is possible to open an account in rubles and other currencies. The number for making transfers can be obtained in 5 minutes without contacting Raiffeisenbank. Customers are offered a choice of several tariffs, business cards for prompt payments, convenient and understandable Internet banking. Data can be uploaded and downloaded in 1C.

Modulbank

In Modulbank, the operating day lasts from 4:00 to 20:45, which allows you to make payments almost instantly. The bank offers one of the most attractive terms of service not only for start-up entrepreneurs, but also for those who have been running their own business for a long time. A clear range of tariffs allows you to choose the appropriate option and minimize your costs, using all the amenities provided.

VTB 24

For its customers, VTB 24 has developed a wide range of tariffs, allowing you to choose the right service conditions. Here you can make payments not only through the Internet bank, but also using a mobile phone. And synchronization with 1C Accounting and “My Business” allows you to keep the workflow as efficiently as possible. On the bank's website, you can choose a tariff, send an online application for opening or reserving an account.

URALSIB

URALSIB is actively developing services for business representatives. Settlement and cash services here involve paying for the opening and maintenance of an account. The bank promises to each client to choose the most favorable tariff. The advantage is the presence of a convenient, simple and understandable RBS system. Transfers and payments here are made quickly, and with the help of a corporate card linked to an account, they can be made at any time of the day.

Alfa Bank

Alfa-Bank offers 5 different tariffs for customers. Additionally, an entrepreneur can use the constructor and create an individual product, leaving only those options that he will use. Operations to other banks are carried out until 20:30, and intra-bank transfers - until 23:30. You can get a discount on service by paying for it a year in advance. The savings will be from 20 to 25%. You can order an Alfa-Cash Ultra card for even more convenient use.

Bank Avangard

The cost of servicing at Avangard Bank for small businesses is acceptable. The prevalence of ATMs and branches allows you to easily withdraw and credit money to your account. You can also make payments in real time using the Internet Bank. The client, regardless of the tariff, is connected to an overdraft from 7% per annum, which allows you to use borrowed funds if necessary. When making transfers to other banks, a commission of 25 rubles is charged from each payment.

Rosselkhozbank

Opening a current account on favorable terms with the Russian Agricultural Bank is provided for entrepreneurs working in the agricultural sector. A number of customers are also offered free service for several months. There is a subscription fee at an affordable rate, but for payment orders made through the remote banking system, you will need to pay only 9 rubles apiece.

Promsvyazbank

Promsvyazbank provides 7 service tariffs for small business representatives with different costs for opening and maintaining an account. For beginners, they offer almost free service, and for large companies - favorable conditions and ample opportunities. The presence of online banking allows you to make payments without time limits and with maximum speed. Issuance of corporate cards is available at no additional cost. The bank often holds promotions to reduce the cost of maintaining an account or offers free maintenance for several months.

Rosbank

For small businesses, Rosbank offers unified service conditions. Here you will have to pay for opening and maintaining an account, but all intra-bank transfers will be free. The client gets access to the Internet bank and SMS informing and can use them without additional costs. Transfers to other banks will cost 30 and 250 rubles, respectively, when using the Internet bank and paper. For convenience, you can issue an operating card for only 100 rubles to spend funds from your current account.

UBRD

To open an account with UBRD Bank, you need to contact the branch, but you can send an application directly on the institution's website. For customers, there are 4 tariffs that require the payment of a one-time payment from 0 to 7,500 rubles. A number of programs do not imply a subscription fee, for the rest it does not exceed 900 rubles per month. The undoubted advantage is the commission-free cash deposit. And for interbank payments, 2 out of 4 tariffs will not have to be paid. The settlements themselves are made very quickly during an extended business day.

OTP bank

In OTP Bank, you can reserve a current account and receive details within 30 seconds. The institution also allows you to open a account for free, but a monthly fee is provided for its maintenance. If you deposit the amount immediately for 3 months, you can get a 10% discount. For companies operating for less than 3 months, the discount increases to 50%. All customers are provided with access to the Internet bank and the opportunity to work in it for free. Some of the 6 tariffs allow you to get a gold card or connect to a salary project without depositing money.

Gazprombank

Gazprombank offers favorable service conditions, but you will have to pay 2,500 rubles for opening an account during the initial treatment. And for this you will have to contact the bank personally. The institution offers favorable conditions for crediting cash to the account (the commission is 0.05% of the amount), a full range of services for servicing the account, including currency control. The special service "Client-Bank" allows you to make payments in a short time using an electronic format or paper, but the latter will cost more.

Bank opening

In Otkritie Bank, you can get the details of a future account in 1 minute. To open it, you do not need to visit a bank branch, it is enough to arrange a meeting with a personal manager. Account maintenance will cost from 590 to 5,990 rubles, depending on the tariff (there are 3 of them - “Promo”, “Comfort” and “Business”). Each program has a certain number of free external payments, the possibility of receiving interest on the balance. Connecting to the Internet bank does not require additional expenses, in a convenient personal account, you can view information on transactions, make a payment, and create a template at any time.

Vesta Bank is distinguished by the simplicity of the account opening procedure and the convenience of its subsequent maintenance. The main specialization of the institution is the provision of a wide range of services to representatives of small and medium-sized businesses. The bank offers IP and LLC 4 favorable tariffs. Here you can not only open or reserve an account for free, but also use the Internet bank, receive extracts from the Unified State Register of Legal Entities and Unified State Register of Legal Entities, make payments to the state budget, receive notifications of transfers, and withdraw cash from a Vesta Bank card.

Expert bank

Expert Bank has been operating on the market for more than 20 years. His main goal is to support small and medium-sized businesses. You can open an account in the bank for free at any of the 3 tariffs presented, reserve a cash account. The subscription fee is 0, 450 and 3,990 rubles, respectively, for the tariffs "Economical", "Optimal" and "All Inclusive". Interest is charged on the balance of the account in the amount of 1.5 - 5% per annum. Additionally, entrepreneurs can apply for a loan in the amount of up to 5,000,000 rubles on preferential terms and receive gifts (a month of free accounting services, an express audit for the last 2 years, access to online accounting for 45 days).

SKB-Bank

Different clients have their own packages of services. Beginners who do not make many transactions will be able to open an account and use it for free for another 3 months, paying only 59 rubles for each payment document. For the rest of the tariffs, there is a certain number of free payments, favorable conditions for depositing cash. Absolutely everyone who applied will be able to use Internet banking without paying a commission. When paying a monthly fee immediately for 3, 6 or 12 months, you can reduce the total cost by 5, 10 or 20%, respectively.

Sovcombank

In Sovcombank, you can reserve a current account and receive details for receiving receipts from counterparties in 3 minutes. A wide range of tariffs allows you to choose the most favorable terms of service. For beginners, the “Together” package is provided with free opening and maintenance of an account, and for those who want to also earn money - “Profitable”. Additionally, the client can buy a package for 5, 10, 30 or 50 payments.

VTB Bank of Moscow

For its customers, VTB Bank of Moscow offers 3 tariffs that are ideal for novice entrepreneurs (“Business Start”), trade and service enterprises (“Business Development”) and companies with a large volume of payments (“Business Online”). Absolutely for all users, mobile banking and Internet banking, connection of a salary project are provided free of charge. As part of the packages, there are 5, 25 and 100 free payments, respectively, and the ability to deposit cash for free within the established limits.

Loco-Bank

Loko-Bank offers 3 tariffs designed for beginners, stable and experienced businessmen. A variety of programs allows you to choose individual conditions, minimizing costs. Internet banking is provided to all customers without exception, and the “Unlimited” tariff allows you to receive information about ongoing transactions online for free. Account holders are provided with favorable conditions for short-term deposits (up to 8.75% per annum). The bank itself promises to open an account by reserving it in just 1 minute using the TIN.

Binbank

For different categories of Binbank customers, separate tariff packages are provided. The entrepreneur makes a one-time payment every month and uses the available services within the tariff. When paying for packages immediately for 3, 6 or 12 months, you can save on its cost from 5 to 10%. The very opening of an account and its maintenance will be free. The client can also use Internet banking without additional costs.

UniCredit Bank

At UniCredit Bank, service rates for all business representatives are the same. The cost of maintaining an account is low, especially for ruble accounts. The payments made will also be inexpensive - for each you need to pay 20 rubles or 0.15% in foreign currency. If the transaction is performed within the bank, then there are no additional costs. The bank provides customers with a gift certificate for 50,000 rubles, which can be spent on outsourcing 1C-WiseAdvice accounting.

AK Bars Bank

A wide variety of tariffs for small and medium-sized businesses with different service costs and a set of options. Free services in the form of Internet banking and SMS informing. The presence of packages of free payments to counterparties, the ability to withdraw and deposit cash without commission. Favorable conduct of transactions in foreign currency (conversion is carried out without commission). AK Bars Bank often holds promotions to reduce the cost of servicing a settlement account.

Eastern Bank

Now Vostochny Bank has a 50% discount on account maintenance when opening it. The institution helps to prepare all documents free of charge (certification, card with signatures). The advantages include the low cost of service, the availability of Internet banking and mobile banking (when connecting the “Your Success” tariff is provided free of charge), the ability to deposit funds to an account with a small commission of 0.15% of the amount and make payments free of charge within the established limit.

Russian Standard Bank

Opening an account with Russian Standard Bank is made for all clients on the same terms. An employee of the institution is ready to help the entrepreneur in preparing all the necessary documents and give out his details on the day of the application. Mobile banking and Internet banking are provided free of charge. Remote operations can be performed around the clock. The issue of a corporate MasterCard Business card is available, as well as linking acquiring and a salary project to it. Low fees for depositing and withdrawing funds from the account.

Credit Europe Bank

For different business entities, Credit Europe Bank has provided separate tariffs. Here you can open an account absolutely free of charge and get 2 more months of service as a gift. Access to Internet banking also does not require additional investments. The cost of one payment varies from 25 to 45 rubles, but under the tariffs "Start" and "Intermediate" it is more profitable to purchase packages for 15 payments, they reduce the cost by 1.5 - 2 times. Regardless of the tariff, interest is charged on the account balance.

rebirth

Bank Vozrozhdenie has developed an excellent range of tariffs suitable for different categories of customers. Regardless of the type of service, an account is opened free of charge. Entrepreneurs will be pleased with the relatively low cost of maintaining an account, the price of a payment for large enterprises is 20 and 10 rubles, respectively, for the “Optimal” and “Without Borders” tariffs. The Internet banking system is provided free of charge, the client is also served by a personal manager, you can connect SMS informing.

MTS Bank

MTS Bank successfully operates in the Russian market. For representatives of small businesses, the institution has prepared uniform terms of service. Here you can book an account for free, make transfer operations remotely. Also, the client can issue a corporate card, use the services of currency control, connect a salary project. For business representatives, the bank has prepared a loan with lower interest rates, the money from which can be directed to the development of their business.

Communication Bank

Svyaz Bank is one of the 20 most reliable banks in the country. For business entities, he developed not only a range of RKO tariffs, but also convenient Internet banking, a full-fledged mobile application. The bank's hotline operates around the clock, if desired, you can extend the operating day for an additional fee. Organizations also have access to deposits with higher interest rates than usual. You can get a discount if you pay for annual service.

Bank Zenith

For new customers, it is possible not only to open an account for free, but also to connect to all available RBS systems. The presence of convenient Internet banking allows you to carry out all transactions remotely, without contacting a bank branch. Clients are invited to choose one of 6 tariffs (there is a special line for beginners, importers, traders and other categories).

Bank MKB

MKB Bank offers its customers a full range of cash and settlement services, which includes Internet banking, SMS informing, currency control. Users note the high speed of processing transactions (30 minutes via the Internet, up to 1 day for interbank transfers). The cost of servicing in this bank is high, but subject to frequent payments, it more than pays for itself due to the low cost of payment documents (from 0 to 19 rubles per payment order). The system is most effective when making online transfers.

RNKB

The Russian National Commercial Bank has been operating on the market since 1991. One of the services provided is cash settlement services for individual entrepreneurs and legal entities. For the convenience of its customers, the bank has provided the possibility of opening a simple current account with payment for all transactions or connecting one of 5 tariffs. Each of them will suit a certain category of clients (start-ups, large companies).

Trust bank

Bank Trust is one of the largest Russian banks. The main feature is the possibility of issuing an account by non-resident companies of the Russian Federation. Within the first 3 months after activating the service package, SMS informing is free of charge. There are 4 different tariffs for clients, and the most favorable conditions are offered for the partners of the bank.

Bystrobank has been operating in the Russian market for more than 25 years, offering entrepreneurs favorable terms for lending and servicing a current account. The account is opened on the same day. Clients are provided with a free Internet bank, the opportunity to participate in a salary project, and issue corporate cards. It takes no more than 30 minutes to send a payment order via the Internet. When using a corporate card, a cashback of 0.5% of the amount is credited.

What is the cost of service

Just opening an account is usually not the main cost item for businessmen. Often banks are even ready to open an account for free. Most of the costs are account maintenance. To choose the most suitable bank and tariff, an entrepreneur must take into account that the final cost will consist of the following components:

1. Subscription fee. May not be available or may be free for several months after opening. Typically, the amount of the subscription fee is determined monthly, but when paying for the annual cost, some banks reduce the final price.
2. The cost of using mobile banking. Additionally, the bank may charge information for SMS informing, requests.
3. The cost of using Internet banking. Some banks charge a separate fee for access to your personal account. Major institutions provide this service free of charge. Additional costs may be associated with the installation of specialized equipment, the issuance of electronic keys.
4. Payment order price. A certain number of them can be provided free of charge as part of the package. Usually, the cost of an electronic and paper payment order is very different, the former is much cheaper.
5. Commission for cashing out funds and replenishing the account. Within the framework of various tariffs, it may be absent or greatly reduced.
6. The cost of transfers to the budget. This includes the payment of taxes and statutory insurance premiums. Almost all banks allow you to make such transactions for free, others charge a certain percentage or a fixed fee.

Hello, dear readers of the financial magazine "site"! In this article, we will tell you how and where it is more profitable to open a current account for individual entrepreneurs and LLCs, what documents will be needed to open an account, and which banks provide services for opening and maintaining current accounts for individual entrepreneurs and organizations.

From the article you will learn:

• Why do individual entrepreneurs and LLCs open a current account;
• How quickly and where is it better to open a current account;
• Advantages and features of having an account with a company.

It is necessary for all owners of large and small firms, individual entrepreneurs and heads of enterprises and organizations to know about the current account.

If you want to know how to open a current account quickly and profitably, then read our article below. So let's go!

To learn how to open a current account for an individual entrepreneur or LLC and what documents will be needed to open a current account with a bank, read this article.

1. What is a current account and what is it for - definition and benefits

According to the legislation of the Russian Federation, all legal entities can keep their money in a bank account.

Checking account - this is a bank account that has a unique number assigned to the client in order to identify him, for non-cash payments in the course of business activities, paying taxes and other payments.

Accounts can be opened both for legal entities (IP, LLC, etc.) and for individuals. main feature current account in that it is opened for the purpose of carrying out commercial (or other) activities.

Good to know: a current account is not opened for the accumulation of money, interest is not charged on it (with rare exceptions). It is necessary for the current activities of the company.

Benefits (+ ) of having a checking account

A company with a current account has the following advantages:

Advantage 1. Legal entity status

Having a bank account raises the status of the company, increases the trust of suppliers, proves that the company is reliable and stable.

Advantage 2. Security of the company's own funds

Non-cash payments are considered the safest in comparison with cash payments. The probability of receiving counterfeit banknotes, theft, force majeure is excluded.

Advantage 3. Client solvency

The presence of turnover on the current account convinces the bank of the solvency of the client. When applying for a loan, he will be offered favorable individual conditions. In addition, there will be no need to provide evidence of the profitability of the enterprise.

Advantage 4. Speed ​​and convenience of operations

The possibilities of the Internet allow you to make payments online, without mandatory visits to the bank. Payments are made according to the "day to day" system. Funds are credited quickly, in the system of one bank without commissions and additional payments.

Advantage 5. Mobile payments

You can make payments from anywhere with an internet connection.

Advantage 6. Cash flow control

Implementation of timely control over the receipt of funds from counterparties. Online you can always check the receipts to the current account.

With the help of a current account, the company gets the opportunity to settle accounts with suppliers, receive money from buyers, pay taxes, withdraw cash under the report, for wages, households. needs, travel and other expenses, receive and repay loans, and so on.

What documents will be needed to open a bank account for an individual entrepreneur (IP) or a limited liability company (LLC) - you will find out further

2. Necessary documents for opening a current account for individual entrepreneurs and LLC

Banks have different requirements for opening accounts. Sometimes credit institutions hold special promotions to attract customers, they involve the provision of a simplified package of documents.

Standard bank requirements for documents when opening a current account:

• Constituent documents of the organization: Charter, decision on the establishment of an enterprise (minutes of decision, if there are several founders), memorandum of association.
• Appointment orders director, chief accountant (if necessary).
• Persons' passports who will have the right of first and second signatures in the bank.
• Extract from the Unified State Register of Legal Entities or EGRIP made for a period not exceeding 3 months.
• Certificates of presence/absence of debt on taxes and fees.
• When documents are submitted by an authorized person, documents confirming his authority.
• Seal(in the presence of).

To save time, you can open a current account via the Internet, with a mandatory subsequent submission to the bank original documents.

The bank fills out a card with sample signatures. It is necessary to be very careful when putting your signature sample, all transactions on the account will be carried out on it in the future, and if the signature seems different from the original to the teller, the documents can be returned without execution.

In order to transfer funds to a current account, it is not enough to know only its number. The bank details of the account are required, which are indicated in the bank account agreement concluded between client And bank.

All legal entities are required to open a checking account. The legislation provides for the possibility of working without opening an account only for individual entrepreneurs (individual entrepreneurs) working without opening a legal entity.

However, there is a limit on the maximum amount of a cash transaction in the amount of 100 thousand rubles.

For example : SP signed a contract for the supply of materials in the amount of 500 thousand rubles. Payment can only be made by bank transfer, and the entrepreneur will be required to open a bank account.

If the condition is not met, then when checking by the tax office, fine will be for IP up to 5 thousand rubles, for OOO in 10 (ten) times more. You can read about the link.

This limit does not apply to funds received for wages, for issuance under the report, social payments, for the personal needs of the entrepreneur (this will have to be proven).

The Bank may suspend operations on the account at the request of authorized persons.

An account may be arrested or filed in the following cases:

• Late payments to the budget.
• Delays in filing income tax returns.
• The lawsuit of the judiciary.

You can close an account in the following cases:

• The decision of the authorized person.
• Liquidation or .
• Bankruptcy.
• The decision of the judiciary.

If, when closing an account, there is a balance on it, at the request of authorized persons, it is transferred to another account or withdrawn in cash.

Today, businesses can have multiple accounts with one or more banks.

3. In which bank to open a current account for individual entrepreneurs and LLCs - 5 main criteria for choosing a bank

Having registered a company, it is necessary to decide on the bank in which the current account will be opened.

Consider the main criteria when choosing a bank to open a current account.

Criterion 1. Stability of the credit institution

The safety of the company's funds will depend on the reliability of the bank.

Need to remember , that the balance of funds on the current account in the bank is not insured by anyone (unlike deposits of individuals), in the event of a bank failure, the company can wait a long time for the return of funds.

Criterion 2. Tariff scale and commissions (service cost)

The second most important selection criterion is the tariff plan used to open and maintain an account. The difference in tariffs in different banks can be very essential regardless of the level of services provided. Therefore, you need to choose the right tariff plan.

Banks take a commission for opening a current account, its amount can be from 100 rub. up to several thousand . You can find a lending institution that offers open an account for free, but service charges may apply.

The article below will present the optimal tariffs in stable and reliable banks.

Criterion 3. Availability of Internet banking

Internet banking has now become a necessary element of the functioning of the enterprise. It allows you to make payments fast, mobile, without visiting the bank.

Important to know the opinion of bank customers about the existing Internet banking, as the system may not be worked out and inconvenient to use.

Criterion 4. Interest accrual on account balance

Some credit institutions offer an accrual service income interest on the cash balance on the current account. This is usually done for important clients of the bank, in order to attract and accumulate all the client's funds in one credit institution. The percentage is usually purely symbolic, but carries a positive attitude.

Where is it more profitable to open a current account for LLCs and individual entrepreneurs - a rating of the best banks for opening a current account

4. Where is it more profitable to open a current account for an individual entrepreneur or LLC - TOP-8 banks (classification by tariff plans)

You can choose a bank according to different criteria, it is important to decide on the most significant ones for a particular enterprise. If the company needs an account only for tax payments, you should not choose banks with mobile and Internet applications.

If the organization constantly lacks funds in the account, there is no need to choose tariffs with interest on the account.

4.1. Banks where you can open a current account for LLCs and individual entrepreneurs online for free and quickly - 4 modern and innovative banks

Young progressive banks offer good conditions for their clients. Below are TOP 4 bank, where you can open a current account for individual entrepreneurs and LLCs for free and online. These banks are the most technologically advanced and have reasonable rates for opening and maintaining a current account.

1) Tinkoff bank

Tinkoff Bank, according to customer reviews, is distinguished by good service, convenient Internet banking, and the ability to open an account via the Internet. This is a young progressive bank successfully conquering the financial market. The disadvantages of his work include the lack of an extensive branch network.

The bank has two tariff plans: Simple, Advanced.

Tariffs for opening and maintaining a current account in Tinkoff Bank:

The opening time will take only a few minutes, the account can be used immediately. The bank has long business day– from 7.00 to 21.00

The disadvantages of his work include the lack of an extensive branch network.

2) Modulbank

The bank module offers a free tariff plan for small businesses, has a convenient mobile application. According to management, current account balances are insured for up to RUB 1.4 million. The disadvantages of the bank include an unbranched branch network, since the bank is still young, it does not have full customer confidence.

It offers three tariff plans depending on the turnover: Starter, Optimal, Unlimited.

Tariffs for servicing and opening a current account with Modulbank:

A bank account is opened within one day, although you can use it immediately. Operation day is long– from 9.00 to 20.30.

The disadvantages of the bank include a small branch network, since the bank is still young, it does not have full customer confidence.

3) UBRD Bank (Ural Bank for Reconstruction and Development)

The Ural Bank for Reconstruction and Development offers a convenient tariff plan. A feature of the bank is the ability to call a manager to open an account in his office.

There are 5 service plans:

1. Business Package 3 - All Inclusive 3 months;
2. Business Package 6 - All Inclusive 6 months;
3. Business Package 12 - All Inclusive 12 months;
4. Online - real time mode;
5. “Everything is simple” – payment only for transactions on the account.

Connection of tariffs is a paid service, it costs from 2.5 thousand rubles.

Tariffs for opening and servicing a current account with UBRD Bank:

The bank opens an account within one day. Operating day standard– from 9.00 to 18.30.

A feature of the bank is the ability to call a manager to open an account in his office. The bank offers a cheap tariff plan, but paid SMS informing.

4) Bank Point (Opening)

Bank Tochka offers convenient terms of service for customers, makes transfers in the bank's system around the clock. Tariffs may be different in different regions of the bank's presence. The Moscow representative offices of the bank have the most expensive tariffs. Offers services of Internet acquiring, mobile acquiring, carries out transfers with verification of the counterparty. The disadvantages include an insufficient number of offices and representative offices.

The bank has 3 service tariff plans:

1. Low cost;
2. Economy;
3. Business.

Tariffs for opening and servicing a current account with Tochka (Opening) bank:

You can open a bank account in a day and use it immediately. Extended business day– from 00.00 to 21.00.

The Bank offers services of Internet acquiring, mobile acquiring, performs transfers with verification of the counterparty. What is mobile, trading and, we wrote in the last material.

The disadvantages include an insufficient number of offices and representative offices of the bank.

4.2. Settlement account in the largest banks of the Russian Federation - 4 reliable and large banks

Let's move on to an overview of the largest banks in the country with tariffs for opening and servicing a current account for legal entities.

1) Sberbank

Sberbank does not need to offer preferential terms of service; it attracts customers with its reliability and the presence of many representations and offices . Therefore, the tariffs for servicing and opening a current account for individual entrepreneurs, LLCs and other forms of business in Sberbank are quite high.

Only "Important" (VIP) clients of the bank with good turnovers on the current account, using various banking products, can count on preferential terms. As a bonus, Sberbank offers the opening of a second and subsequent current accounts in the mode online without visiting the bank and submitting additional documents.

To open a current account with Sberbank, it offers 6 service tariff plans:

1. Minimum;
2. Basis;
3. Assets;
4. Optima;
5. Trading plus;
6. Salary.

Tariffs for opening a current account and its maintenance for individual entrepreneurs and LLCs in Sberbank:

The bank does not differ in the speed of service; it will take from one day to several days to open an account. Working hours with clients– from 09.30 to 20.00.

Among the main disadvantages of working with Sberbank is its low level of service quality, poor technical support, and the duration of request processing.

2) Alfabank

Alfabank also takes its reliability and stability, there are individual service programs, bonuses and coupons are provided.

Clients note a rather high tariff plan and tight control over the operations performed by clients.

Tariffs for opening and servicing a current account with Alfabank:

The time to open an account with Alfa Bank will take from 3 days. Operating day length standard - from 09.00 to 19.30.

3) Vanguard bank

Avangard Bank offers not the best service conditions.

According to customer reviews, the bank has cases of imposing services, annoying calls, although the average impression of the bank is positive.

The bank offers the following tariff plans:

1. Base;
2. extended;
3. All inclusive.

Tariffs for opening and servicing a current account with Avangard Bank:

It will take 1 day to open an account with Avangard Bank. Short business day– from 09.00 to 17.30.

4) Raiffeisen Bank

The bank is a representative office Austrian banking holding Raiffeisen Bank International AG». Included in the 20 largest banks operating in the Russian Federation, in terms of assets.

Offers average service rates. The bank offers 2 service tariff plans:

1. Start;
2. Base.

Tariffs for opening and maintaining a current account with Raiffeisen Bank:

It will take 1 day to open a bank account. It has very short business day- from 09.00 to 17.00, which is a very inconvenient moment for customers.

The bank offers average-priced tariffs, with the Start tariff, Internet banking is paid. Customers note the fact of an attempt to impose additional services in the bank

4.3. Summary table of tariffs for opening and maintaining a bank account

It is necessary to choose a bank according to individual needs, choosing progressive technology companies.

The table below shows a summary of the main parameters to get a complete picture of the rates for popular banks.

Thus, large banks offer rather expensive service rates, which is explained by their position in the financial market. Along with old stable banks such as Sberbank, Alfa Bank, Vanguard, young promising banks not inferior in stability and complexity offered programs. They often offer more attractive rates And good service conditions. All presented banks have a high rating according to rating agencies.

Important! Since some banks offer service for a certain time for free, it makes sense to open accounts not in one, but in several banks and look at the convenience and quality of service on a personal example.

For a small business when the turnover on the current account is planned to be small, but stable, the best options can be considered Mobulbank , bank Dot , Tinkoffbank . They are notable for offering free service for new customers (for several months), they offer free internet banking and mobile banking.

If an LLC or an individual entrepreneur will receive more than 1 million rubles per month , it is better to stop your choice at Sberbank, Alfabank, Avangard Bank, UBRD Bank. They offer customized maintenance programs and are stable and reliable.

Assistance in opening a current account for individual entrepreneurs and LLCs - detailed step-by-step instructions

5. How to open a current account - step-by-step instructions (help) in opening a RS for LLCs and individual entrepreneurs

Opening an account is a prerequisite for work for legal entities and desirable for individual entrepreneurs. If an individual entrepreneur plans to develop his activities, the account will be needed for payment of taxes, settlements with suppliers and so on.

So, let's look at the step-by-step procedure for opening a current account.

Step 1. Choosing a bank (credit organization)

The account can be opened in one or more banks at the request of the client. Having chosen a bank, the client turns to his manager to clarify the required package of documents. After preparing the documents, he fills out an application form.

Some banks offer online account opening service and providing copies of documents, but with their mandatory confirmation during a personal visit to the bank. Usually, the second and subsequent accounts of a legal entity in the same bank are opened online.

Other banks offer departure of a specialist to the customer's office, where the account will be opened on the spot, without visiting the bank.

Step 2. Selecting a tariff plan

The second important step is choosing the right tariff plan. It depends on the size of the planned turnover on the current account.

It is selected individually, it is possible to switch from one tariff plan to another. This procedure is usually free for clients.

Step 3. Paperwork

At the bank, the client fills out a signature sample card, concludes an agreement for opening and / or settlement and cash services (sometimes it is presented in the form of an offer agreement on the company's website and does not require a separate signing). What is RKO () and why is it needed, we wrote in one of our articles.

It is also necessary to sign documents for additional services.

When opening an account with a bank, all authorized or trusted persons must be present (the power of attorney is notarized). Compulsory the condition is confirmation of authority.

Step 4. Setting up additional services

After signing the documents, Internet banking or client banking, mobile banking, acquiring, and so on are set up.

And what it is for, read in our last publication.

If the client is poorly versed in the legal intricacies of opening and maintaining a current account, he can contact specialized companies that provide services for the preparation and verification of all documentation for opening an account. Their experience and knowledge of the law will help in solving all emerging problems.

6. How to find out the current account of the organization - 4 easy ways

Consider some simple ways to determine the current account of the organization.

Method 1. To find out the number of your current account, just look at the contract, which is concluded between the bank and the client.

If you want to know the account number of a third-party organization to which you are going to transfer funds, then you can also see it at the end of the contract.

You can find out the current account of the organization (IP) by the details at the end of the contract

Method 2. If the Internet banking service is connected, you can go to your personal account and find the necessary information there.

Method 3. You can find out the organization's current account via the Internet (the website of the tax service - ( egrul.nalog.ru ))

You can find out the current account of the organization via the Internet and the federal tax service

Method 4. If the listed options did not help to find out the account of the organization, then the most obvious way is call the bank .

To conclude agreements/contracts for the supply of goods and services, you need to know the details of the legal entity. They are usually written at the end of the contract, in the section: " Addresses and details of the parties". Without details of a legal entity impossible transfer of funds.

Details include:

• Organization name, account number.
• Name, BIC, TIN, COR/ACCOUNT, KPP of the bank.

When specifying erroneous details, the funds usually “freeze” at the bank, and wait for confirmation for crediting. The customer must notify the credit institution in writing of the exact details of the payment.

7. Frequently Asked Questions (FAQ)

Consider some of the questions entrepreneurs often ask when registering their business.

Question 1. Where is the best place to open a business account?

An individual entrepreneur can open an account with one or more credit institutions at his own discretion. High competition forces banks to fight for each client, offering favorable service conditions.

Key points to consider when choosing a bank:

• Work stability, stability, high credit institution reliability rating. This information is available on the website of the Central Bank, various rating agencies.
• Tariff plan offered by the bank. It is worth noting that young progressive banks offer cheaper rates than credit institutions that have already gained credibility in the financial market.

The specifics of the work of legal entities implies the existence of a current account for an LLC. Banks offer various tariffs for settlement and cash services, each of which is beneficial to a certain category of customers.

Where is it profitable to open a current account for LLC

Opening a bank account is not an obligation of a limited liability company, however, without it, the company will not be able to conclude contracts for an amount exceeding 100,000 rubles and make mandatory budget payments. In addition, each organization sets a cash limit on cash that cannot be exceeded. The surplus is kept in a bank account.

Where it is better to open a current account for an LLC depends on the needs of the company. It is more profitable for a newly organized small enterprise to use an inexpensive tariff with a minimum set of functions. A large organization needs extensive account management capabilities.

When choosing a financial institution for settlement and cash services, the following points should be considered:

• speed of checking documents and opening an account;
• the cost of opening a current account for an LLC;
• availability of monthly payments;
• the amount of commissions for tax payments and other non-cash payments;
• payment for cash transactions;
• Availability and convenience of Internet banking;
• operating day length.

In addition, when considering options where to open a current account for an LLC, you can pay attention to the possibility of issuing a corporate card, depositing funds through an ATM, providing a credit line and accruing interest on the balance of the amount.

bank requirements

Comparing where it is more profitable to open a current account, it is necessary to pay attention not only to tariffs, but also to the reputation of the bank. First of all, it must be reliable, since the money of legal entities is not insured and in the event of a license revocation, they will be frozen.

It is worth evaluating the proximity of a branch of a credit institution and customer focus. Loyal attitude and quick resolution of emerging issues will facilitate the work process.

When opening an account for an LLC, it is important to clarify the technical capabilities: remote access to the account, including from mobile devices, user-friendliness of the interface, absence of software failures, speed of processing payment orders.

Tochka - a bank for entrepreneurs

Bank for Entrepreneurs "Tochka", operating on the basis of "FC Otkritie", specializes in working with corporate clients. The bank has no branches, service is carried out remotely, around the clock. Tochka is one of the banks where you can really profitably open a current account for an LLC, the procedure takes no more than an hour. Interest is accrued on the balance of the account.

Tinkoff Bank also has no branches and operates on a remote service basis. The bank has a high customer focus and is distinguished by the presence of a personal manager. Long operating day (from 07.00 to 21.00), which is a definite plus for business. Up to 8% is charged on the balance. Tinkoff Bank is a financial institution where you can quickly open a current account for an LLC with instant provision of details. Credit line provided.

Another bank focused on corporate clients, working remotely. Modulbank has a convenient personal account available after opening a current account and round-the-clock technical support. Opening an account occurs instantly. Up to 5% is charged on the balance.

Bank Otkritie has an extensive network of branches throughout the country. When opening a current account, up to 8% per annum is accrued on the balance of funds. It is possible to select the necessary tariff options.

The largest bank in Russia also provides the opportunity to open an LLC account, which can be done in one day. It is possible to replenish a corporate card through an ATM. You can subscribe to a completely free plan.

VTB

You can open a current account for an LLC at VTB Bank, which is distinguished by a high rating, reliability and a wide network of branches.

A large, reliable bank with a large number of branches throughout Russia. A convenient personal account for managing an account, there is a personal manager service. Long business day. The balance is charged up to 3%.

A large European bank with a high degree of reliability is a good choice where to open a current account.

Package of documents for opening a current account

Before opening an account for an LLC, the bank will check the activities of the organization. To do this, you need to provide a package of documents, including constituent documents:

• service application;
• questionnaire;
• extract from the register of legal entities;
• registration certificate;
• certificate of registration as a taxpayer;
• charter;
• a document confirming the authority of the head;
• director's passport;
• signature card;
• a lease agreement or a certificate of ownership of the premises at the location of the LLC;
• licenses and other permits.

In addition to mandatory securities, a financial institution has the right to request additional information: a letter of recommendation from another bank, agreements concluded with counterparties confirming activities, data on tax reporting, etc. Copies of constituent documents must be certified by a notary or an authorized employee of the bank.

The presence of a current account for individual entrepreneurs is not a prerequisite. It may be needed if a bilateral agreement provides for non-cash payments. Individual entrepreneurs will also need to provide a package of documents to the bank:

• statement;
• questionnaire;
• passport;
• registration certificate;
• signature card;
• licenses (if any).

Additionally, they may request a notification of statistical reporting codes, an extract from the register, cooperation agreements, etc.

Possible reasons for refusal to open an account

A financial institution may refuse to open an account for an LLC if there are signs of a violation of the law. This concerns the suppression of attempts to legitimize the funds obtained by criminal means and the prevention of financing of terrorist organizations. Wherein the bank may refuse on the basis of suspicions that have arisen without significant evidence. Compliance with these points is controlled by the Central Bank.

In addition, the motive for refusing cash settlement services are:

1. Negative information about business reputation from the bank where the current account of the LLC was previously located. This is especially true when it is closed at the initiative of a financial institution.
2. Lack of documents required to open an account.
3. Incorrect data about the location of the organization, founders and director.
4. Inconsistency of the actual type of activity OKVED data;
5. Negative information about the director provided by the security service, including involvement in crime.

The work of the bank with legal entities is carefully checked by regulatory authorities. Systematic violations will lead to license revocation, so the percentage of refusals in cash management services is quite high. This is especially true for new organizations engaged in certain types of activities, such as transport services.

Any entrepreneurial activity is closely connected with the banking system. After registering an individual entrepreneur or LLC, every novice entrepreneur thinks about which bank to choose to open a current account.

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On the territory of Russia there are a huge number of banks that provide financial services to owners of small and large businesses. Among them, 17 of the most popular banks with a large customer base, thanks to many years of experience, reliability and favorable tariff plans for opening and maintaining settlement accounts, can be distinguished.

Bank opening

Otkritie is one of the largest commercial banks in the Russian Federation, working with individuals, small and medium-sized businesses and large corporate clients. The bank specializes in pension, insurance and investment services, as well as provides settlement and cash services and has flexible tariffs for servicing current accounts.

The main features of the bank include:

1. Online account reservation.
2. No lunch break.
3. Mobile application for entrepreneurs.
4. Round-the-clock implementation of transfers and payments.
5. SMS informing.
6. Sending notifications to an email address.
7. There is no commission on tax and customs payments.

Connection and maintenance cost

Bank Tochka

Tochka is a branch of Otkritie Bank, which works exclusively with entrepreneurs. Remote work with individual entrepreneurs and LLCs from all regions of Russia is the main advantage of the bank. This bank has the longest operating day: intra-bank payments are sent around the clock, external - from 12 am to 21:00 Moscow time.

Bank Point is different:

• high reliability rating;
• the presence of an Internet bank, to which you can connect any accounting program;
• fast execution of a package of services - less than an hour;
• making all mandatory payments (taxes, fees, duties) without commission;
• free certification of documents;
• service with 70% discount for the first 3 months;
• service "Exit manager" for opening a settlement account.

Current tariff plans and their cost (in rubles):

Modulbank

Modulbank is the only bank in Russia that cooperates only with small business owners. This is the first bank that has launched such a convenient and useful service as opening a current account by phone and via the Internet. In addition, individual entrepreneurs working on a simplified taxation system have a chance to use the “Free Accountant” service. With this service, you can make tax calculations, prepare and fill out tax returns.

The main advantages of Modulbank are:

1. R / s opens quickly and completely free.
2. The presence of a personal account, which can only be entered by phone number.
3. A special application for managing finances through a smartphone.
4. To open a package of IP services, you only need a passport.
5. The technical support service works 24 hours a day.
6. Commission for money transfer - 0 rubles, for cash withdrawal - from 0% (the exception is the "Starting" tariff).
7. Deposits at 8% per annum for the money that is not used for various reasons.

Current tariff plans:

Tinkoff

Tinkoff is one of the most popular and largest commercial Russian banks. Initially, the bank specialized only in providing loans to individuals. But recently, Tinkoff has expanded the range of services within the framework of settlement and cash services (CSS) and began to actively recruit clients in the business sector. In addition to the free opening of a current account, the bank provides free service for the first three months.

Tinkoff Bank has other features:

• the operating day lasts from 04:00 to 21:00;
• payments are sent instantly;
• there is an application for remote work;
• you can connect any accounting program to your personal account;
• you can make a lot of interbank payments, and at the same time do not pay a commission;
• interest is charged on the balance of funds on the account (return up to 6%).

Current tariff plans:

Sberbank

Sberbank is one of the oldest and most reliable Russian banks. The bank offers optimal conditions and favorable rates not only for successful businessmen, but also for start-up entrepreneurs. Sberbank has the largest number of branches and ATMs in the country. Tariff plans for opening a settlement account depend on the region of registration of an individual entrepreneur or LLC, and prices for services can be found in the public domain on the official website of Business Environment from Sberbank.

The main advantages of Sberbank include:

1. Tariff with completely free service - "Easy start". This includes free account opening and maintenance, the first three payments, Internet banking and mobile banking.
2. Replenishment of the account using ATMs located on the territory of the Russian Federation.
3. The account is opened in 1 day.
4. You can manage money using mobile banking or through an online service.
5. SMS-informing about each completed transaction.
6. You can reserve an account in 5 minutes.
7. You can make payments any day, including weekends.
8. Commission for cashing out - from 1.4% of the total amount.

Expert Bank

Expert Bank is the largest bank in the Omsk region, specializing in supporting small and medium-sized businesses. The main advantage of the bank when opening a bank account is a discount on accounting services from 1C. Each new client can receive one of the bonuses: free online accounting for 45 days or an express audit of the company's financial statements for the last two years.

Service in Expert Bank has such advantages as:

• instant online reservation r / s;
• cash withdrawal up to 700 thousand rubles is made without commission;
• commission for one payment - from 0 rubles;
• accrual of 5% per annum on the balance of funds;
• connection of automatic notification of upcoming payments in favor of counterparties;
• Unlimited number of intra-bank operations by r/c.

Current tariff plans:

Loco Bank

Loko Bank - occupies one of the leading positions in terms of assets in the Top 100 Russian banks. The Bank works with small and medium-sized businesses, is engaged in the placement of funds in deposits, the opening and maintenance of current accounts, consumer lending, and works with securities.

Among the main advantages of opening a settlement account in Loco Bank are the following:

1. The current account number is generated within a minute after sending the online application.
2. All documentation for opening an account can be sent using a courier service.
3. Intra-bank payments for all tariffs are made free of charge.
4. All customers are connected to free SMS-informing.
5. You can manage your account remotely using the app.

Bank Sphere

Sphere Bank is a convenient digital bank that provides financial services to individual entrepreneurs and legal entities. A current account can be reserved and opened free of charge through the bank's website, and for the convenience of making payments and controlling cash receipts, Internet banking is available. Also, without commission, bank customers can withdraw up to 300 thousand rubles to a debit card.

In addition, Sfera Bank offers free:

• accounting on the simplified tax system;
• preparation of the necessary documentation for registration of individual entrepreneurs and LLCs;
• electronic signature;
• corporate card.

Promsvyazbank

Promsvyazbank is one of the most reliable Russian state-owned financial institutions with 20 years of experience in the banking industry. The bank works both with individual entrepreneurs who are just starting their business, and with large LLCs that have settlement accounts in other banking institutions. You can open an account with Promsvyazbank remotely. Also on the official website there is round-the-clock technical support and customer consultation via chat or by phone.

Promsvyazbank has the following distinctive features:

1. Internal bank payments are sent on any day of the week and without commission, external payments - until 21:00.
2. Internet banking for organizations that carry out non-cash payments in large quantities.
3. The commission for depositing cash is from 0.15% of the total amount.
4. SMS informing about each operation.
5. Assistance of a bank specialist in the collection of documents.
6. Free money transfers to individuals.

Current tariff plans:

Alfa Bank

In terms of assets, Alfa Bank is one of the ten largest commercial banking organizations in the Russian Federation. The bank is distinguished by a wide range of tariff plans and a flexible system of discounts for maintaining settlement accounts. In addition, Alfa Bank offers its counterparties round-the-clock access to an account that can be managed using a tablet, computer or phone.

Other benefits of a bank include:

• intra-bank payments are made until 23:30, interbank payments - until 20:30;
• free SMS-informing;
• 20% discount for each month with annual payment for account maintenance;
• payments to the budget and tax payments are not subject to commissions.

Bank Vostochny

Vostochny Bank is included in the list of 100 reliable banking organizations of the Russian Federation. The bank offers complex settlement and cash services, issuing credit cards, opening deposits, lending to individuals and legal entities. When opening a ruble account with Vostochny Bank, no commission is charged, and with an annual payment for servicing the account, 3 months are provided as a gift.

Vostochny Bank offers a list of such services as:

1. Remote account management.
2. Free certification of documentation.
3. Free intrabank payments.
4. Possibility of independent formation of a suitable package of services.

Tariff plans for new customers:

Vesta Bank

Vesta Bank is a commercial bank headquartered in Moscow with branches in St. Petersburg, Krasnodar, Kazan and other major regions. The bank's main clients are small business owners. Vesta Bank is distinguished by favorable rates and high-quality service, it leases bank cells and provides settlement and cash services and mobile acquiring.

Account service in Vesta Bank has such advantages as:

1. The invoice is issued within 1 day.
2. Documents can be sent to the bank through a courier service.
3. Free Internet banking on all tariffs.
4. Bank working hours: from 9:00 to 20:00.
5. Money transfers are credited to the account within 24 hours.

Current tariff plans:

Ural Bank for Reconstruction and Development (UBRD)

The Ural Bank for Reconstruction and Development is a popular and large commercial bank in the Urals, working not only with individuals, but also with small business owners. In addition to opening and maintaining settlement accounts, this financial institution provides legal entities with such services as a salary project, business cards, and Internet acquiring.

UBRD has the following advantages:

• account can be opened using online registration;
• there is a remote account management function;
• interbank payments can be made in unlimited quantities;
• You can deposit money into a bank account through ATMs.

Sovcombank

Sovcombank is the largest financial institution in the Russian Federation, headquartered in Kostroma. The main activity of the bank is related to servicing individuals and legal entities, supporting corporate investment business, and conducting stock transactions.

Opening and maintaining a cash account in Sovcombank has a number of advantages:

1. Intrabank payments are sent 24 hours a day.
2. There is no commission for money transfers up to 600 thousand rubles.
3. There is an SMS service.
4. When crediting money to the account, no commission is charged.
5. There is a possibility of remote banking service.

Raiffeisenbank

Raiffeisenbank is a popular commercial bank that is a branch of the large Austrian bank Raiffeisen International. The bank's clients are over 12,000 entrepreneurs. Raiffeisenbank is engaged in issue, credit, investment and cash settlement operations.

Among the features of opening a current account with Raiffeisenbank are:

• the minimum commission for crediting cash will be 290 rubles;
• switching to another tariff will cost 1000 rubles;
• the monthly fee for using the "SMS-banking" service is 190 rubles (only on the "Optimum" and "Maximum" tariffs);
• 3 months free when paying for a year, and 6 free months when paying for 2 years;
• interbank payments included in the selected service package are free of charge.

Current tariff plans:

BinBank

PJSC BinBank is one of the largest federal banks in Russia. It has a wide network of branches throughout the country. Since March 2018, the Bank of Russia has been the main shareholder.

Among the features of registration of a current account in BinBank, one can note:

• the minimum commission for crediting cash will be 100 rubles, and on the Business tariff 150,000 - free of charge;
• free intrabank payments;
• 2 months free for new customers;

DeloBank (Project of SKB-Bank)

Delobank is a branch of SKB-Bank, one of the largest banks in the country. Small and medium business is the main direction of Delobank. The online bank for entrepreneurs does not have its own branches. All Delobank services are available online. SKB-Bank entered the Top 40 banking organizations of the Russian Federation in terms of assets. The bank's client base includes about 2 million individuals and more than half a million large enterprises. SKB-Bank has extensive experience in providing financial services and favorable rates for maintaining a current account for small and medium-sized businesses.

Among the advantages of opening a current account with DeloBank are:

• sending reports to government agencies and accounting within 3 months free of charge;
• accrual of up to 5% per annum on the balance;
• discounts up to 20% when paying for the year;
• opening an account online:
• you can use the account a few minutes after the reservation;
• documentation for opening an account can be sent via courier;
• instant sending and receiving payments and transfers;
• round-the-clock technical support of clients;
• free SMS-informing.
• free tariff change.

Current tariff plans:

Results

Choosing a bank is an individual matter for each client. All of the above banks have favorable tariff plans for opening and maintaining current accounts, both for individual enterprises and for LLCs. All these banks have a common list of advantages:

1. Free account opening.
2. The most favorable prices for settlement and cash services.
3. Making an application as soon as possible.
4. Wide range of tariffs.
5. Fast money transfers.
6. Remote financial management.
7. 24/7 technical support.

Required documents

The list of documents may vary depending on the requirements of a particular banking institution. For example, in Alfa Bank, to open an account, you will need a certificate of the absence of tax debts from the Federal Tax Service.

Can an individual entrepreneur or LLC work without a current account

Individual entrepreneurs can open current accounts at will. Before choosing a bank, you need to consider:

1. The reasons why individual entrepreneurs and counterparties are not satisfied with cash settlements.
2. Will contracts be concluded for more than 100 thousand rubles.

It is not at all necessary to open a current account for an LLC, but it will still have to be opened for the following reasons:

• there is a limit on cash payments - up to 100 thousand under one contract;
• to store cash, you need to equip a cash desk or buy a safe, as well as appoint a cashier;
• you will have to constantly monitor the established cash limit;
• According to the tax code of the Russian Federation, an LLC can only make tax payments in non-cash form.

Until recently, every entrepreneur who opened a current account had to notify the tax office of his intention. Today, this obligation has been abolished, and the bank itself informs the federal tax service.

Reasons for rejecting an application to open an account

The most common reasons why a legal entity may be refused by a bank when opening an account include:

1. Wrongly completed application.
2. Providing false information.
3. An incomplete package of documents has been collected.
4. No passport at checkout.
5. Reporting to the Federal Tax Service has not been submitted.