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 2020.

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:

1. What important criteria do banks need to present when opening a current account?
2. What fees and tariffs are established for banking services for a current account?
3. 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):

1. Bank reliability
2. Cost of service (tariffs and commissions)
3. Availability and functionality of Internet banking
4. Opening cost
5. 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 may lose all your money irrevocably. 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. Service 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 virtually 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 2020: 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 21 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! If necessary, you canconnect trade acquiring - from 1.79% to 2.69%.

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 service. Low.

There are 3 tariffs to choose from:

1. Starter — 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 rub.
— 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 replenishment 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 banking,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 under the “Start” tariff, 3% on the balance under the “Optimal” tariff, and 5% on the balance under 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 the opportunity for shareware maintenance of 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. Tariff “Online” — from 350 rub./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 rubles/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. Raiffeisen Bank

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 your 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 150000r
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 "Otkritie". 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. 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.

This article was written to help colleagues who have opened an LLC and have not yet decided which bank to choose to service their current account. I searched for a long time for the best bank, and the Internet was not the main source of information, since there are a lot of advertisements, various commissions in bank tariffs are not mentioned, and not all conditions are announced.

Various forums provided me with great help, where I received information from legal entities who have been served by various banks for several years and who are quite familiar with their services and cash settlement tariffs.

The next stage of obtaining information was calls to the financial institutions themselves.. After analyzing information from the Internet, from specialized sites and forums, I identified twenty favorites, which I called. Bank employees gave me detailed information, on the basis of which I compiled a rating of the best banks for legal entities. Using it, you can determine which one is more profitable for a beginning entrepreneur, and which one is more suitable for a large company.

Business background data:

• The current account receives 5-10 payments per week from legal entities
• Making no more than 5 mandatory monthly payments
• Periodic cash issuance upon request

Bank requirements:

• Low price for opening and maintaining a current account
• Account opening period - within one, maximum two days
• Availability of Internet banking that supports modern browsers, including Safari for Apple
• SMS notification
• Maintenance and issue of a corporate card (desirable)
• Cash withdrawal
• iPhone app (preferred)

Requirements of banks for legal entities

I have also compiled a list of documents that banks usually require to open an account. It includes:

• Extract from the Unified State Register of Legal Entities - issued upon registration of a legal entity. You can also request from the tax office
• Certificate of state registration of a legal entity - if you registered the company before January 1, 2017
• Constituent documents - charter and protocol/decision on establishment
• Certificate of registration with the tax authority and TIN
• The manager’s passport and document confirming his authority
• The same documents - for founders and trustees (if any)

You can provide both originals and copies of these documents. Copies must be certified by a notary.

1st place. Winner. Tochka (FC Otkritie/Qiwi Bank). Tariff "Required minimum"

1st place

The best bank for businessmen and entrepreneurs, focused on working with legal entities. A similar opinion is expressed on most forums. Tochka Bank works with clients remotely, which is convenient for those who cannot visit offices. Immediately after submitting your application, you will receive account details, and you will sign the main documents with a field specialist. For all clients, the bank offers tariffs with favorable conditions and special offers from partners.

Now Tochka has special conditions for transfers to the self-employed - the bank does not charge a commission for transferring funds to the account of a self-employed individual. This condition applies to all RKO tariffs. To make a payment without commission, indicate the recipient's account number and check the appropriate box when filling out the payment. This option does not work for automatic payments.

Free transfers to the self-employed have been launched as an experiment that will run until February 29, 2020. If the experiment is successful, this condition will become permanent.

The point operates in all major cities of Russia and almost all regions.

The bank is best suited for a newly opened LLC.

The bank offers everything necessary for a small company.

• Cost per month for free
• Opening cost for free
• for free
• Internet banking
• SMS notification 90 rubles per month for each number
• iOS app There is
• Login to Internet Banking login and password, and then a choice of SMS confirmation or key fob with code
• for free
• Issuance of certificates in electronic form - free of charge, in paper form - from 1,000 rubles per document
• Cash withdrawal for free
• Account registration online with a specialist visiting
• Bonuses when opening an account 50,000 rubles for promotion in social networks in myTarget, 10,000 rubles for promotion in Yandex.Direct, 3,000 rubles for promotion in Google.Adwords

Advantages

• Completely free service
• Free salary and corporate cards

Flaws

• Small Business Only

2nd place. Modulbank. Tariff "Optimal"

2nd place

Modulbank positions itself as a convenient bank for small businesses - both individual entrepreneurs and companies. A fundamentally new project, characterized by a pleasant interface, convenient mobile application and competent technical support. All transactions are carried out through Internet banking. Organized by people from Sberbank. Offers one of the lowest rates for newly opened companies.

The bank operates in 50 regions of Russia, including Moscow, St. Petersburg, Novosibirsk, Kazan, Rostov-on-Don, Krasnodar and Sochi.

The account is completed entirely online.

A fairly stable and reliable bank.

All transactions with the account are carried out online.

• Cost per month 690 rubles, 0 - if card expenses per month are from 100,000 rubles
• Opening cost for free
• Cost of payment order 19 rubles
• Internet banking yes, free (Lite series without a USB dongle is installed in Safari on Mac)
• SMS notification 90 rubles
• Issuance of certificates from 300 rubles
• iOS app There is
• Login to Internet Banking
• Issuance and servicing of corporate cards first year - free, from the second - 300 rubles per year
• Cash withdrawal up to 50,000 rubles - free, then - from 2.5%
• Account registration online with a specialist visiting
• Bonuses when opening an account Gifts from Yandex, My Business, Kontur.Elba, OZON and other services; 4 months of virtual telephony + free landline number; discount 5,000 rub. for the first lease payment

Advantages

• Possibility of free account maintenance
• Savings accounts and deposits
• Loans and overdraft with instant processing

Flaws

• Small Business Only

3rd place. Tinkoff Business. Tariff "Basic"

3rd place

Tinkoff was one of the first in Russia to start working exclusively remotely and without offices. This principle applies to serving both private clients and businesses. The most convenient and customer-oriented bank (subjective opinion). All operations are carried out via the Internet, and a personal manager travels to meet at a place convenient for the client.

Like Tochka, Tinkoff operates in almost all cities of Russia.

The conditions at Tinkoff are suitable for a small LLC.

The bank offers everything a rapidly growing company needs.

All transactions with the account are carried out online.

• Cost per month 490 rubles (2 months free for new clients, 3 months for clients of closed banks)
• Opening cost for free
• Cost of payment order 3 payments free, then – 49 rubles, unlimited when connecting to the “Interbank - no commission” package (490 rubles per month)
• Internet banking yes, free
• SMS notification There is
• iOS app There is
• Login to Internet Banking login and password along with SMS confirmation
• Interest on account balance 4%
• Cash withdrawal from 1.5%
• Account registration online with a specialist visiting
• Bonuses when opening an account Help with promotion in Yandex.Direct, myTagret, Google AdWords and Youtube, 3 months. free use of the Elba and Moe Delo service, 45 days of using “1C: Entrepreneur” for free

Advantages

• Interest on account balance
• Account details after completing the application
• Loans, guarantees and overdraft for business
• Various types of acquiring

Flaws

• Expensive payment orders

4th place. Promsvyazbank. Tariff "Business Start"

4th place

I have known this bank for a long time; the branch is located near my house. According to reviews on the forums, it is quite reliable, one of the three largest commercial banks. The Central Bank named Promsvyazbank one of the most socially significant financial institutions in Russia. This tariff is positioned as suitable for small and newly opened companies that would benefit from saving on opening and maintaining an account.

You can open a current account in many large cities - Moscow, St. Petersburg, Yekaterinburg, Volgograd, Chelyabinsk and others.

You can open an account without visiting the bank.

After the reorganization, PSB regained its reliability.

The bank provides all the necessary tools for doing business.

• Cost per month for free
• Opening cost for free
• Cost of payment order 3 per month - free, then - 100 rubles
• Internet banking yes, connection is free
• SMS notification 99 rubles per month
• iOS app There is
• Login to Internet Banking USB key
• first year - free, then - 300 rubles per month
• Cash withdrawal from 3%
• Account registration
• Bonuses when opening an account No

Advantages

• Completely free account maintenance
• 24/7 support for intrabank payments
• Business loans with fast online processing
• Assistance in registering a business

Flaws

• You cannot open an account in foreign currency

5th place. Opening. Tariff "First step"

5th place

One of the largest banks in the country with a wide network of branches. You can open an account with it if for some reason you don’t trust Tochka. The starting tariff at Otkritie offers free account maintenance and a corporate card with low fees for deposits and withdrawals. The bank successfully survived the recent reorganization and merger of B&N Bank - you do not have to be afraid of instability in it.

Otkritie has a large network of branches throughout the country - from Moscow and Kaliningrad to Khabarovsk and Yuzhno-Sakhalinsk. You can open an account in any of them.

You will receive details after completing your application.

The opening maintains a high level of reliability.

Internet banking works on any device.

Advantages

• Assistance in registering a business
• Trade acquiring and online cash desks
• Express guarantees for participation in procurement

Flaws

• Expensive payment orders

6th place. MTS Bank. Tariff “Simply as simple as that”

6th place

This universal bank, which reports to the telecom operator MTS, is actively developing offers for business. He offers cash settlement services to both large companies and small LLCs. Small businesses at MTS Bank have access to a tariff with free service and low replenishment fees. In addition to your account, you can connect acquiring or rent an online cash register.

The bank is present in many cities throughout Russia - Moscow, Yekaterinburg, Voronezh, Perm, Ufa and others. In Siberia, he works in Novosibirsk, Omsk and Tyumen.

The account is quickly opened at the bank branch.

MTS Bank maintains a sufficient level of reliability.

You can manage your account through convenient online banking.

• Cost per month 1% from all receipts to the account
• Opening cost for free
• Cost of payment order for free
• Internet banking There is
• SMS notification 180 rubles per month
• iOS app There is
• Login to Internet Banking login and password, USB key
• Cash withdrawal up to 1,000,000 rubles - free, then - 10%
• Issuance of certificates 300 rubles
• Account registration at a bank branch
• Bonuses when opening an account No

Advantages

• Free account opening and maintenance
• Free payment orders
• Merchant acquiring with low commission

Flaws

• All receipts are subject to a fee.
• Large fees for cash withdrawals

7th place. Ural Bank for Reconstruction and Development. Tariff "Comfort"

7th place

One of the largest banks in the Urals, it has a large network of branches in other regions. UBRD services are actively used by both individuals and entrepreneurs. The Comfort tariff in this bank is characterized by expensive service, so it may not be suitable for a small LLC. But you can switch to this bank in the future if you need additional services or increased reliability of the organization.

The bank has a large network of branches in the Urals and Siberia. In the European part of Russia, he works in Moscow, St. Petersburg, Ufa, Volgograd, Kazan and other large cities.

You can open an account without visiting the bank.

One of the most reliable Ural banks.

Internet banking does not require the issuance of a digital key.

• Cost per month 1,310 rubles
• Opening cost for free
• Cost of payment order 30 rubles
• Internet banking yes (support for new browsers, including Safari for Mac)
• SMS notification 190 rubles
• iOS app No
• Login to Internet Banking login with password or USB key
• Maintenance and issue of corporate cards for free
• Cash withdrawal from 1.3 to 7.5%
• Account registration online with a specialist visiting
• Bonuses when opening an account No

Advantages

• Opening an account within a day
• Up to 5% per annum on balance
• Online cash registers that comply with 54-FZ

Flaws

• Expensive service per month

8th place. Sberbank. Tariff "Easy start"

8th place

Sberbank is the largest bank in Russia and the most popular among the population. It offers a convenient tariff that is suitable for a small, newly opened company. Sberbank clients also have access to other services, from purchasing an online cash register to assistance in organizing accounting. When opening an account, the bank gives up to 120,000 rubles for advertising in Yandex, Google and myTarget. Sberbank also offers corporate cards with free service - both debit and credit.

Sberbank operates in all regions of Russia, except Crimea. You can open an account with it in any large, medium or small city.

The account is opened at a bank branch.

The largest and most reliable bank in the country.

You can manage your account through convenient online banking

• Cost per month for free
• Opening cost for free
• Cost of payment order the first three are free, then – 199 rubles
• Internet banking yes, free
• SMS notification 199 rubles per month
• iOS app There is
• Issuance and servicing of corporate cards first year – free, from the second – 2,500 rubles per year
• Cash withdrawal from 1.8%
• Account registration online with a specialist visiting or at a bank branch
• Bonuses when opening an account Assistance in promotion in Yandex.Direct, myTagret and VKontakte; 30 days of posting a vacancy on hh.ru and 7 days of access to the resume database as a gift; free year of access to 1C:Business Start; free CRM FreshOffice

Advantages

• Assistance in registering a business
• Business credit and debit cards
• You can buy or rent an online cash register
• Own counterparty verification system

Flaws

• Expensive payment orders

9th place. DeloBank. Tariff "Profitable start"

9th place

Delo Bank operates on the basis of SKB-Bank, a large credit organization from Yekaterinburg. It is an online bank that offers all the necessary services to small businesses. Beginning entrepreneurs will be interested in a tariff with free account and corporate card servicing. In addition, you can use the built-in online accounting - it will make it easier to keep records and pay taxes.

SKB branches are present in many cities of Russia - from Moscow and Yekaterinburg to Vladivostok and Yakutsk. Delo Bank services are available in all regions of presence.

You can open an account without visiting the bank.

SKB maintains a high level of reliability.

• Cost per month for free
• Opening cost for free
• Cost of payment order 87 rubles
• Internet banking yes, free
• SMS notification for free
• iOS app There is
• Issuance and servicing of corporate cards for free
• Cash withdrawal on a corporate card - from 2%
• Additionally online accounting - from 5,800 rubles per year
• Account registration online with a specialist visiting
• Bonuses when opening an account No

Advantages

• Free account opening and maintenance
• Built-in online accounting
• Free personal and salary cards

Flaws

• Expensive payment orders
• You cannot withdraw cash from SKB cash desks

10th place. ForBank. Tariff "Initial"

10th place

This small Moscow bank is actively developing offers for small businesses. For recently opened LLCs, it offers a tariff with free service and a large number of additional services - from a corporate card with cashback to online accounting. An account is opened without visiting the bank in just a few days.

Entrepreneurs from Moscow, Smolensk, Novosibirsk, Barnaul, Krasnodar, Khabarovsk and 45 other cities can open a current account with ForBank.

The account is quickly opened without visiting the bank.

ForBank maintains a sufficient level of reliability.

Online accounting is built into the Internet bank.

Advantages

• Free account maintenance
• Built-in Internet accounting
• Free business card with 1.5% cashback
• Assistance in registering a business

Flaws

• This tariff does not allow for transactions with foreign currency.

11th place. Sovcombank. Tariff "Start"

11th place

I have known Sovcombank for a long time as a private client - I signed up for their Halva installment card. In cash management services, the bank also promotes these cards - issues them as payroll and corporate cards, and sets reduced acquiring fees for them. For newly opened LLC banks, the bank offers a tariff with free account servicing and low-cost payments.

Sovcombank has branches in almost all major cities of the country - from Moscow and St. Petersburg to Yakutsk and Khabarovsk. You can open an account at any of these branches.

To open an account, you only need a passport.

One of the largest private banks in the country.

Clients have access to free internet banking.

• Cost per month for free
• Opening cost for free
• Cost of payment order 50 rubles
• Internet banking yes, free. Supports all browsers on any device (tablet, laptop, computer, or phone) without a dongle
• SMS notification for free
• iOS app There is
• Login to Internet Banking login and password along with SMS confirmation
• Cash withdrawal from 2.5% to 15%
• Maintenance and issue of corporate cards standard - 500 rubles per year, Halva - 1,999 rubles per year
• Account registration online with a specialist visiting or at a bank branch
• Bonuses when opening an account No

Advantages

• Free account opening and maintenance
• Issue of Halva cards in the salary project
• Overdraft up to 10,000 rubles when opening an account
• Various types of acquiring and online cash registers

Flaws

• High fees for cash transactions

12th place. Development-Capital. Tariff "Transformer"

12th place

An interesting offer from a small but stable Moscow bank. Development-Capital offers an inexpensive current account with cheap payments and free cash replenishment. You can connect a corporate card, acquiring and salary project to your account - each service adds 25 rubles to the monthly service.

Bank Development-Capital operates only in Moscow. He has no plans to expand to other regions.

You can open an account without visiting the bank.

The bank stably maintains its position.

Loco-Bank is not present in all cities of the country.

• Cost per month 500 rubles
• Opening cost for free
• Cost of payment order 20 rubles
• Internet banking There is
• SMS notification for free
• iOS app There is
• Login to Internet Banking login and password or USB key
• Cash withdrawal up to 500,000 rubles - free, then - from 2%
• Account registration online with a specialist visiting
• Additionally replenishment of the account at bank cash desks - from 0%
• Bonuses when opening an account No

Advantages

• An account is opened without visiting the bank
• Inexpensive service and payments
• Free replenishment at bank cash desks
• Free corporate cards

Flaws

• Short operating day
• Some operations are only in the office

13th place. Alfa-Bank. Tariff “Free forever”

13th place

Alfa-Bank is second in popularity and number of regions of presence after Sberbank. A reliable bank where I have had a personal account for more than 10 years. It is distinguished by extremely convenient Internet banking and customer focus. Here you can choose a ready-made package of services or create a tariff to suit your needs. When opening an account, the bank offers gifts - up to 50,000 rubles for advertising and promotion, a certificate for recruiting personnel on HeadHunter and six months of free use of the Bitrix24 system.

Alfa-Bank has branches in almost all major cities of the country - from Moscow and St. Petersburg to Yakutsk and Khabarovsk. You can open an account at any of these branches.

The conditions at Alfa-Bank are suitable for a growing LLC.

yes, free. Supports all browsers on any device (tablet, laptop, computer, or phone) without a dongle

SMS notification for free

iOS app There is

Login to Internet Banking login and password along with SMS confirmation

Maintenance and issue of corporate cards Alfa Business - 299 rubles, virtual - free

Cash withdrawal from 3% to 11%

Account registration online with a specialist visiting or at a bank branch

Bonuses when opening an account Free creation of a turnkey website or online store (1 year of website maintenance and 1 year of CRM free of charge), assistance in promotion in Yandex.Direct, Mail.Ru Group and Google AdWords projects; use of the My Warehouse system 3 months – free; 30% discount on liability insurance for non-residential premises from AlfaStrakhovanie

Advantages

• Free service when there is no revolutions
• Accounting is built into the Internet bank

⚡ Why can a bank block a legal entity’s account?

Most often, banks block the accounts of clients who are suspected of violating Law 115-FZ “On Combating the Legalization (Laundering) of Income.” This is indicated by the following signs:

• Availability of large turnover on the account with a minimum of taxes paid (less than 0.9% of turnover)
• A large number of transit money transactions
• Inconsistency between the basis of payments and the types of activities of the organization, lack of payments within the framework of economic activities (for example, for utilities)
• More than 30% of weekly turnover is carried out using cash; money is withdrawn from corporate cards too often
• Frequent receipt of funds to the account in amounts up to 600,000 rubles with withdrawal at the beginning and end of the operating day
• Working with suspicious counterparties who are on the “black list” of banks and government agencies
• Accounting statements are missing or incorrect

If a company falls under one or more of these criteria, the bank may block its account.

What restrictions do accounts have for legal entities?

The money in the current account can be used for any purpose related to running a business - to pay various expenses, purchase goods and equipment, pay salaries, pay taxes and fees. Restrictions mainly relate to cash transactions - banks set limits on the amount of deposits and withdrawals during a certain period. There are also restrictions for transfers to individuals (except for individual entrepreneurs and payroll clients).

How quickly can a current account be opened for an LLC?

It all depends on the conditions and capabilities of a particular bank. Some organizations check the documents and offer to sign an agreement the very next day after sending the application. For others, this process can take up to a week. Some banks that are loyal to clients issue account details immediately after completing an application - you can indicate them in all documents and databases.

Conclusion

As is the case with, large banks (like Rosselkhozbank, VTB, Russian Standard and many others) do not offer the most favorable conditions for a small company. A novice businessman would be more suitable for a reliable bank with inexpensive or free services, convenient payment terms and low restrictions on cash transactions - for example, Tochka, Tinkoff or Alfa-Bank.

In the table below you can compare the conditions of the banks in the rating with each other and determine which one will be more profitable for your LLC:

The terms of the current account that you open for your LLC will largely determine the further conduct of your business. For a newly opened company, the best option would be a tariff with inexpensive or free service, low fees for payments and cash withdrawals, and a large number of additional services for business. Also pay attention to the bank’s online services, the speed of opening an account and bonuses for new clients.

Tochka Bank is considered the best option for small businesses. Opening an account, servicing and payments, as well as issuing a corporate card are free here. An account is opened in a few days without visiting the bank. You can manage it through a convenient personal account, available in any modern browsers on any platforms.

Bank selection form for LLC

To find out more about the offers of the banks presented here and compare the conditions of cash settlement services in them with other organizations, you can use the selection form below. Indicate the desired account conditions and click the “Select” button - after this information about the offers presented on our website will appear. In addition, this form will help you if you did not find a suitable option for RKO in our rating.

Once you become an entrepreneur, you are not required to open a bank account, but it is necessary if you plan to accept payments from clients by bank transfer. An additional advantage of having an account: it is more convenient to pay taxes and contributions to the state budget from it.

After reading this article, you will learn which bank to choose for an individual entrepreneur and which bank to choose for an LLC: what criteria to compare options and what to pay attention to so as not to overpay for services later.

Why does an entrepreneur need a current account?

Engagement in entrepreneurial activity involves the receipt of revenue and the presence of certain expenses. According to the current legislation, entrepreneurs, unlike most legal entities, are not required to strictly observe cash discipline, including monitoring the cash balance.

However, opening would be the smartest decision for a number of reasons, including the following:

1. Some counterparties in their activities resort only to non-cash payments in order to avoid the use of cash registers. You will still have to deal with landlords of premises, suppliers of materials and a number of services.
2. Cash payments between business entities are limited. Legislation prohibits the movement of money as payment over 100 thousand rubles, bypassing current accounts. This rule even applies to transfers between entrepreneurs. It is impossible to pay an invoice for an amount exceeding the specified limit without violating the current provision. If unacceptable actions are detected, administrative penalties in the form of significant fines will be applied to the parties to the agreement. At the same time, this rule does not affect settlements between entrepreneurs and ordinary citizens who are not individual entrepreneurs.
3. It is more convenient to pay debts to the budget (taxes, fees, fines, etc.) through a current account. It is allowed to transfer the specified amounts on behalf of individuals, reflecting all the details. But settlements through a bank minimize the possibility of erroneous crediting of funds.
4. The easiest way to store large amounts of cash as receipts from customers is in current accounts to avoid force majeure circumstances, such as theft.

How to choose a bank for an individual entrepreneur or LLC

So, the entrepreneur decided to enter into an agreement with the bank. What should you pay attention to? What conditions are most suitable for opening a current account? Which bank is better to choose for an LLC or individual entrepreneur?

Each business entity resolves this issue independently, based on personal requirements and capabilities. The main criteria to consider when choosing a credit institution are as follows:

1. Bank reliability. The easiest way to determine the reliability of a bank is by the rating of the Central Bank of Russia. By choosing a financial organization to open and maintain an account from the top ten list, an entrepreneur minimizes risks.
2. Availability of the organization. Even if you plan to conduct transactions via the Internet, it is better if the institution is located within the client’s reach. Online mobile banking is easy to use, but some operations require the personal presence of clients. For example, it will not be possible to issue cash without the account owner himself.
3. Bank rating. It is safest to keep money in accounts of trustworthy organizations. As a rule, such banks become partners of the largest entrepreneurs. At the same time, working with banks that occupy the lower lines of the ratings carries certain risks, even despite the low cost of service when opening an account and small commission amounts in the future.
4. Availability of additional functions. Some banks offer their clients initial free service, while others charge interest on the account balance. Many credit institutions are ready to pleasantly surprise you with a variety of tariff plans, among which entrepreneurs choose the most suitable ones for themselves. Attention is drawn to the cost of service and additional benefits, for example, opening an overdraft line.
5. Many clients plan to expand their business by obtaining loans. And here it is preferable that all monetary transactions are carried out using the services of one bank.
6. Availability of Internet banking. Checking your account balance and making payment transactions online saves a significant amount of time. There is no need to visit a bank branch in person if you need to urgently pay your counterparties. All necessary actions are carried out promptly with an electronic digital signature.
7. Cost of opening a current account. This point is worth paying attention to, since most banks provide this service free of charge. If the bank you choose takes money for it, then the cost of other services may not be very profitable for your business.
8. Cost of servicing a current account. Entrepreneurs seeking to increase their profits also pay attention to additional costs such as bank commissions. If you have a small amount of revenue, there is no point in overpaying for the services of a credit institution.

Top 8 best banks for opening an individual entrepreneur account

Sberbank

Sberbank can be considered one of the most popular credit institutions, chosen by entrepreneurs and other business entities. A flexible system of proposed tariff plans when opening a current account takes into account the needs of all clients.

Banking services for account holders meet all modern consumer requirements. This includes opening a business card, electronic document management, Internet banking and mobile application capabilities, secure information transfer systems, preferential lending, participation in a salary project, as well as lucrative offers from the bank’s partners.

Below are the bank's offers valid for May 2019:

TARIFF NAME	EASY START	LUCKY SEASON	GOOD REVENUE	ACTIVE SETTLEMENTS	GREAT OPPORTUNITIES
Opening cost	For free
For whom is it preferable?	Aspiring Entrepreneurs	For seasonal business	If you need to frequently top up your current account	If there is a large volume of payments	For high activity
Payment documents within the bank	Free for the entire period of work	The first 5 are free, then according to the tariff	First 10 free	The first 50 are free, then 16 rubles per transfer	For free
External payments	3 transfers for free, then 100 rubles per unit	According to the terms of internal transfers			100 payments for free, then 100 rubles per transaction
Cash withdrawal using a business card	3%	1.8% (min. 300 rub.)			500,000 rubles free of charge, then in accordance with the tariff
Transfer to individual accounts	In accordance with the tariff, a commission of 0.5% to 3% is charged depending on the transfer amount				Up to 300,000 rubles free of charge, then according to the tariff

VTB 24

Working with VTB 24 Bank is a guarantee of reliability, speed of transfers and availability of up-to-date information. There are favorable tariff plans available for entrepreneurial clients. Promotions are periodically held in which clients receive a number of bonuses when opening a current account:

• free account opening;
• free service for the first 3 months;
• free transfers and work with cash if a number of conditions are met.

TARIFF NAME	BUSINESS START/START	BUSINESS DEVELOPMENT/DEVELOPMENT	BUSINESS ONLINE/PREMIUM
	1200	2200	3200
Cash deposit	Free up to 50,000 rubles	Free up to 250,000 rubles	0.25% of the amount (min. 150 rub.)
	For free
Number of free payments per month	5	25	100
Internet banking connection	For free
Connection to the salary project	For free
Certification of signature card and seal impression	200 rub. for 1 unit	200 rubles for 1 unit	200 rubles for 1 unit
Cash withdrawal	From 0.5% of the amount

According to the provisions of the bank's tariffs for entrepreneurs and small businesses, the following options are provided free of charge:

• for making budget payments, including tax payments;
• monthly maintenance of Internet banking and mobile application;
• preparation of salary project.

Alfa Bank

Alfa Bank, as one of the most reliable banks, whose impeccable work has been proven over the years, has rightfully remained for a long time among the credit institutions that are attractive not only to large corporate clients, but also to small businesses. In 2018, it is possible to open an account and 3 months of service for free. The affordable cost of other services is ideal for beginning entrepreneurs.

Tariff plans available for entrepreneurs:

TARIFF NAME	JUST 1%	ELECTRONIC	SUCCESS
Who prefers	For new and small businesses	Who makes a lot of payments	Who often deposits revenue into the account?
	For free	1,440 rubles per month	2,300 rubles per month
Cost of monthly service with one-time payment for the year	For free	1,080 rubles per month	1725 rubles per month
Cost of ruble payments	For free	16 rubles	Free 10 payments per month, then 25 RUR/payment
% on balance	1% (on current account)		3% (according to the “Tax piggy bank” account)
Free transfers to individual accounts. persons per month	up to 6 million rubles	up to 300 thousand rubles	up to 300 thousand rubles
Cash withdrawal	Free up to 2 million rubles per month	From 1%	Free up to 50,000 rubles
Cash deposit	1%	0,23%	For free

For entrepreneurs who decide to open an account with Alfa-Bank, the following benefits are provided:

• the cost of monthly account maintenance will be much cheaper if the amount for the year is paid in advance;
• up to 3% per annum is charged on the balance of own funds in the account;
• for beginning entrepreneurs, assistance is provided in running a business, which includes some accounting services and calculation of tax and other budget payments;
• For ease of use, Internet banking and a mobile application are available, and there is an SMS function for notifying partners about payments being credited.

Tinkoff Bank

The advantages of working with Tinkoff Bank are as follows:

1. Extended operating hours, 24/7 support.
2. Calculation of interest on the balance.
3. Low cost of monthly maintenance.
4. Supporting the salary project even with a minimum number of employees.

For individual entrepreneurs who have recently organized their own business, the account maintenance fee will be 0 rubles for 6 months. Other tariff plans when opening an account are as follows:

RATES	SIMPLE	ADVANCED	PROFESSIONAL
Monthly service cost	490 rubles	1,990 rubles	4,990 rubles
Transfer of funds to other banks	The first 3 payments are free, then 49 rubles per unit	The first 10 payments are free, then 29 rubles	19 rubles
One-time payment for servicing payment orders, per month	Absent	990 rubles	1,990 rubles
Cash withdrawal to Tinkoff card without commission	Up to 400,000 rubles	Up to 700,000 rubles	Up to 1,000,000 rubles
Cost of transfers to individual accounts, payment of dividends, cash withdrawals	1.5% + 99 rub. (up to 400,000 rubles)	1% + 79 rub. (up to 400,000 rubles)	1% + 59 rub. (up to 800,000 rubles
One-time payment for transfers to individuals within a month	Absent	0.6% up to RUB 1,000,000 or up to 5,000,000 rub. with documents	0.5% up to RUB 2,000,000. or unlimited with documents
Account replenishment, minimum - 290 rubles.	0,3%	0,25%	0,15%
One-time payment for multiple top-ups	Absent	990 rubles for 3 refills	1,490 rubles for 5 refills
Accrual of % on the balance of funds	4%	6%	Up to 6%

Raiffeisenbank

Raiffeisenbank invites entrepreneurs to submit an application for opening an account online with subsequent remote servicing. Opening a current account is free. Most further services are included in the monthly service fee.

The cost of tariff offers is as follows:

TARIFF NAME	START	BASE	OPTIMUM	MAXIMUM
Monthly service	990 rubles	1,900 rubles	2,900 rubles	7,500 rubles
With a one-time payment for 12 months	RUB 8,916 (RUB 743 per month)	RUB 17,112 (RUB 1,426 per month)	RUB 26,100 (RUB 2,175 per month)	67,500 rub. (RUB 5,625 per month)
With a one-time payment for 24 months	RUB 17,832 (743 rubles per month)	RUB 34,224 (RUB 1,426 per month)	RUB 52,200 (RUB 2,175 per month)	135,000 rub. (RUB 5,625 per month)
Number of monthly free payments	Not provided	10	60	300
Cost of payments over the established free limit	25 rubles
Free transfer of funds to individual cards per month	Up to 100,000 rubles	Up to 200,000 rubles	Up to 500,000 rubles	Up to 700,000 rubles
Transfer of funds to physical cards. persons in excess of the free limit per month and up to 6,000,000 rubles	1%
Transfer of funds to physical cards. persons over 6,000,000 rubles	10% of the amount over 6 million rubles.
Depositing funds into the account by the client	0.25% of the amount, min. 290 rub.

The terms of the tariff plans provide the following additional options:

• issuance of business cards, the subscription fee and issue of which depend on the current service package;
• connecting a salary project, conducting online payments using the Bank-Client system;
• Internet banking;
• providing an overdraft on favorable terms.

Bank “Tochka”

The bank offers remote opening of a current account. Applications are accepted on the bank’s website, indicating a mobile phone number and providing a small package of documents electronically. In addition, Tochka Bank can offer its clients 24-hour service, long operating hours (from 01:00 to 20:00 Moscow time), convenient Internet banking and a mobile application.

The main tariff plans are as follows:

TARIFF NAME	MINIMUM REQUIRED	GOLDEN MEAN	ALL THE BEST AT ONCE
Maintenance, cost per month	for free	500 rubles	500 rubles in the first three months, then 2500 rubles
Cash deposit	Receipt of revenue from Tochka acquiring is free; for other replenishment methods a commission is charged in accordance with the tariff	Incoming payments and transfers are free; replenishment through a cash register, ATM and personal cards is subject to a commission in accordance with the tariff
Tax and budget payments	For free
Payments	For free
Internet banking connection	For free
	For free
Cashback on taxes	-		2%, but not more than 3,000 rubles
Cash withdrawal	For free	In accordance with the tariff

Future clients can also count on discounts on servicing current accounts when opening them. Promotions are held regularly. The conditions can be found on the website of the banking organization.

Bank Otkritie

All Otkritie Bank tariff packages include Internet banking, current account maintenance and a range of cash transactions. Services are represented by a wider range of tariffs than in other banks.

The main tariff plans are as follows:

TARIFF NAME	First step	Fast growth	Your own business	The whole world	Open Opportunities
Maintenance, cost per month	0 RUR/month	490 rub./month	1290 rub./month	1990 rub./month	7990 rub./month
Payments to another bank	3 per month free, then 100 rubles/payment	7 per month free, then 50 rub./payment		15 per month free, then 25 rubles/payment	0 rubles
Internet banking connection	For free
Transfers to individual accounts	Free up to 100,000 rubles per month; above this amount, a commission of 1.2% of the transfer amount is charged				Free up to 500,000 rubles per month; above this amount a commission of 2% of the transfer amount is charged
Cash withdrawal using a business card up to RUB 100,000/month	0.99% of withdrawal amount

The bank also has special offers and promotions when opening a current account.

LokoBank

It also provides remote opening of a current account, quick provision of details, the possibility of free servicing of a current account (within one tariff), convenient Internet banking and a mobile application for monitoring finances with an unlimited number of users.

The main tariff plans are as follows:

TARIFF NAME	START	OPTIMA	UNLIMITED
Monthly service	For free	990 rubles	4990 rubles
Cash deposit	Free up to 50,000 rubles, over 50,000 rubles. - 0.3% of the top-up amount (min. 150 rub.)
Tax and budget payments	For free
Payments to other banks	59 rub.	29 rub.	19 rub.
Internet banking connection	For free
Issuance and servicing of corporate cards	The first card is issued free of charge, subsequent ones - 299 rubles. The cost of annual maintenance is 169 rubles.
Withdrawing cash from a card	From 1% to 10% depending on the withdrawal amount

The variety of credit institutions offering entrepreneurs an agreement to open a current account for doing business allows you to choose the optimal tariff in accordance with your own preferences. For those who have recently registered as an individual entrepreneur, the absence of a subscription fee and the affordable cost of services will provide additional support in business.

TOP 3 banks for business in 2019 according to Finguru clients

In 2019, our clients give the greatest preference to three banks: Raiffeisenbank, Tochka and Otkritie banks. Each of them attracts entrepreneurs with its features and services that banks provide to our clients.

Raiffeisenbank

The advantages of this banking organization for our clients include remote service and full control over finances, as well as the ability to use corporate cards and a large number of free payments to current accounts opened in other banks.

Bank "Otkritie"

The bank is popular due to its large number of tariff plans, which allow you to more accurately select an option to suit the needs and capabilities of the entrepreneur. In addition, small business representatives are assessed on the possibility of making free payments (limited number) on each tariff.

Bank “Tochka”

Among the advantages of this bank are free deposits of funds into your account when using acquiring from the same bank, as well as free budget and extra-budgetary payments. Those who carry out a lot of payment transactions will definitely appreciate this.

Documents for opening a current account

How quickly can you create a bank account? It all depends on the organization's policy. The standard registration period is from 1 to several days. But in some cases, entrepreneurs become account owners in a few hours.

Before signing a banking service agreement, you will need to first prepare and provide a small package of documents. The list of required papers is not approved by law. Theoretically, each credit institution can put forward its own requirements. For example, sometimes originals are not enough; bank management may ask to see notarized copies. Therefore, before opening an account, it is recommended to clarify all the details directly at the office of the service institution.

Below is a list of documents that will probably be needed when opening an individual entrepreneur current account:

1. Certificate of registration of an entrepreneur (OGRNIP).
2. Passport of an individual.
3. Certificate of registration with the tax authorities (TIN).
4. Extract from the register of entrepreneurs.
5. Letter from government statistics bodies.

If an individual entrepreneur does not have the opportunity to independently open a current account, he can carry out all operations through proxies. In this case, you will need to provide a number of other documents, such as a notarized power of attorney, passports of the entrepreneur’s representatives and authorized persons authorized to sign. If an entrepreneur uses a seal in his business activities, then it is necessary to provide copies of its imprint

Let's sum it up

1. Having a current account for individual entrepreneurs and LLCs is not necessary, but you will have to open one if you plan to accept payments by bank transfer. This will also give you the opportunity to work with counterparties who prefer not to deal with cash, and will simplify the procedure for paying taxes and fees.
2. Study as many offers as possible, do not settle for the first one that seems profitable. Each bank has its own terms and conditions for servicing business accounts, which are often tied to turnover - read the agreement carefully.

I want to know everything!

Latest articles about how to save on useful services and enjoy doing business

In which bank should I open a current account for an individual entrepreneur or LLC?

Many entrepreneurs, both beginners and experienced ones, ask this question. Choosing a bank to open a current account is usually based on many criteria:

• - the cost of servicing the current account and the number of transactions included in this cost;
• - ease of managing current accounts and other banking products via Internet banking;
• - the amount of various commissions;
• - possibility of preferential lending;
• - bank reliability, etc.

But today banks not only provide a number of financial services. They try to help solve various business problems throughout the entire life cycle of its existence. Traditional banking services are becoming part of a larger ecosystem, existing side by side with accounting and tax accounting tools, document flow, commodity accounting, personnel management and marketing tools.

The effectiveness of Internet banks was assessed for three types of small businesses:

• 1. Micro-business (individual entrepreneur without staff);
• 2. A trade and service company that makes payments only in rubles;
• 3. A company conducting foreign economic activity.

The best online banks for micro-businesses

A freelancer works for himself, makes payments in rubles and can receive payments in foreign currency. Maintains accounting for the simplified tax system and document flow. He has basic needs regarding online banking: easy access, setting up notifications, help with accounting, and the absence of technical restrictions on working in different browsers and operating systems. Which online bank will be most effective for him?

Place	Bank	Grade*
	Tochka Bank
	DeloBank
	Tinkoff Bank
	Modulbank
	Vesta Bank
	Sberbank
	Bank Otkritie Business Portal
	Alfa-Bank
	Sovcombank
	UBRIR Light

The best online banks for trade and service enterprises

These are small companies engaged in retail trade of goods and services for individuals. They use the payroll project and acquiring, issue corporate cards, use loans and deposits, and manage access to the service. Can keep accounts using the simplified tax system or OSNO. Which online bank will be most effective for them?

Place	Bank	Grade*
	Tochka Bank
	Modulbank
	DeloBank
	Tinkoff Bank
	Vesta Bank
	Alfa-Bank
	Sberbank
	UBRIR Light
	Sovcombank
	Bank Uralsib

Efficiency rating of Internet banks for companies leading foreign trade activities

The company is engaged in both import and export. Buys goods wholesale abroad and sells them to legal entities in Russia. Conducts foreign exchange transactions and undergoes foreign exchange control, places free money on deposit. Accounting on OSNO. Which online bank will be most effective for her?

Place	Bank	Grade*
	Tochka Bank
	DeloBank
	Modulbank
	Tinkoff Bank
	Vesta Bank
	Sberbank
	Alfa-Bank
	Bank Uralsib
	UBRIR Light
	Bank Otkritie Business Portal

*) Final assessment of the effectiveness of the Internet bank on a scale from 0 to 100 points.

Conclusions: which online bank is more convenient for individual entrepreneurs and LLCs

The best online banks for small businesses - Tochka Bank, Modulbank, DeloBank, Tinkoff Bank and Vesta Bank - are distinguished by powerful work on service development. All of them have significantly expanded their functionality over the past year, especially in terms of integration with non-banking services useful to entrepreneurs. In addition, many banks have introduced technological innovations - for example, Open API and signing a payment from Internet banking with a fingerprint in a mobile application.

The effectiveness of an Internet bank for a trade and service enterprise is inextricably linked with the availability of detailed information and statistics on various types of acquiring, the ability to fully manage deposits, loans and salary projects (automation of work with registers using 1C DirectBank technology is of great importance here).

The best online banks for companies engaged in foreign trade activities are distinguished by the ease of working with incoming payments (in particular, noticeable notifications of receipts) and with outgoing currency payments (you can attach a justification in the payment form). However, even the leaders still have a lot of work to do: for example, introducing tracking and search for missing currency payments, as well as a service for issuing invoices to non-resident counterparties.

Source and research methodology: markswebb.ru

The information is provided for informational purposes only. These ratings cannot serve as a direct indication of the choice of any organization for opening and maintaining a current account.