Not all entrepreneurs are serious about choosing a bank for settlement and cash services (RKO) - “We choose one of the top 30 banks, and that's it!” In fact, there are many subtleties in this matter. The choice of the “right” bank for cash settlement services depends on the turnover, the number of payments to individuals, and the degree of business transparency. If you miscalculate, you can lose 20% of your revenue at once or be left without money at the most crucial moment. What should be considered when choosing a bank for cash settlement?
Tip #1: Don't put all your eggs in one basket. Open two, and preferably three accounts in different banks at once. One of them must be in the top big pot. The other is in a smaller, but more loyal one. You can open a third account in the bank that is most convenient for you - perhaps you have an individual account there, a loan has been issued, or just the bank's office is close to home. The main thing in this case is to diversify your risks as much as possible.
Tip #2: Look for a personal touch. Your business needs a loyal bank. And this, in my experience, will definitely not be a top 10 bank. Therefore, my advice - from the very start, build cooperation with some small bank that is ready to provide you with preferential terms and an individual approach.
Such a bank is especially useful if you have a problem with protective tariffs. Let's say you make some kind of transaction with a counterparty that may raise doubts, or even simply transfer a large amount to yourself on the card of an individual. Such a transaction may involve the bank's financial monitoring service, which will freeze your account and require paper evidence that the transaction was fair and transparent. If for some reason this cannot be proved, the bank will offer you to withdraw money from the account.
But, firstly, the bank has the right to apply a protective tariff - to withhold a commission of up to 15-20% of the amount in your account. Secondly, one of the possible scenarios for withdrawing money from the account is paying taxes, both for yourself and for third parties. At the same time, you can transfer money only to a business account in another bank. And when you caught the eye of financial monitoring, you are blacklisted - and it becomes problematic to open a new account. Therefore, opening several accounts in different banks at once is a good idea. If you have "your" loyal bank, there is a chance that you will be able to withdraw your funds with minimal losses.
In addition, when you do not have your own manager or bank branch, in case of any trouble, you find yourself a hostage to the system. Do you know how many requests from clients I had before the New Year with a request to urgently “pull out” money from the accounts of one bank that spends so much money on advertising? By the way, just there a protective tariff of 20% is such a convenience for small businesses. These conditions are often not spelled out in the tariffs, but there is a certain practice, and experienced lawyers and consultants are usually aware of it. In various reviews and reviews on the Internet, people write about it.
Tip #4: Read the terms of service for sole proprietors carefully. Now a lot of people are doing business in the status of individual entrepreneurs, but the individual entrepreneurs themselves are like a red rag for the financial monitoring service, because through the accounts of individual entrepreneurs they like to “launder” the money of big business. In order not to attract undue attention of regulatory authorities and not become an intermediary in dubious transactions, banks impose restrictions on transactions from individual entrepreneurs' accounts, and they must be carefully studied before signing an agreement.
It is not so easy to withdraw money from an IP account - as a rule, you first need to transfer it to a personal card and only then freely dispose of it. The conditions for withdrawing money from an individual entrepreneur's account to the accounts of individuals is one of the main parameters that an entrepreneur should consider when choosing a bank. With high turnover, the commission for withdrawing money can reach 10%, and this is even more than the basic tax rate on the simplified tax system "income".
There are banking products that allow you to reduce these costs. For example, in one of the banks it is possible to pay only 1% of the turnover, and all other transactions can be carried out without commissions.
Tip #5: Explore the New Working Conditions for the Self-Employed. If you are just self-employed and do not hire employees, you may not need to bother with an IP - you can just be self-employed.
In fact, there is no such thing as “self-employed” in the law, there is a “professional income tax”. The self-employed have certain restrictions. They cannot hire employees, their income is limited by law to 2.4 million rubles a year (approximately 200 thousand per month). This also affects the choice of banking products.
Many credit organizations in the mobile bank have the option of registering as a self-employed person. You can become a payer of professional income tax through the official application of the Federal Tax Service "My tax", and then specify the bank account from which tax payments will be debited. At the same time, it is better to have a separate account for your professional income (and notify the bank about it), otherwise taxes will be charged on all receipts to your card (for example, on transfers from parents).
The ideal bank for business, despite advertising slogans, simply does not exist - this choice depends on many parameters of your business. When choosing a bank for cash settlement services, I advise you to diversify risks, carefully study information about bank rates and work to the maximum "in the white" - and then cooperation with banks will not bring you unnecessary troubles and losses.
Hello dear readers! Entrepreneur and author of the SlonoDrom.Ru resource Igor Eremenko 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.
A few years ago, when opening an individual entrepreneur for the first time, I faced the question: in which bank should I open a current account. If you have already opened or are just planning or, then most likely you 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 maintaining a current account.
After reading the article, you will learn:
- What are the important criteria that banks need to present when opening a current account?
- What commissions and tariffs are set for banking service of a current account?
- In which bank is it better to open a current account?
So, let's figure it out - which bank provides the best conditions for business owners! 🙂
1. Criteria when choosing a bank to open a current account
When choosing a bank, we will be guided by the following key criteria (the higher the criterion, the more significant it is):- Bank reliability
- Service cost (tariffs and commissions)
- Availability and functionality of Internet banking
- Opening cost
- Interest on balance
I. Reliability of the bank is one of the important criteria to be taken into account. Since the funds of legal entities in bank accounts are not insured, in the event of a bank failure, you can irretrievably lose all the money. Recently, it is not uncommon for the Central Bank to withdraw licenses from 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 the money.
II. Maintenance cost- includes commissions, monthly and additional payments for servicing a 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 for most banks the functionality of the settlement account is practically the same, but the price for services differs several times. Therefore, it does not make sense to overpay for servicing 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 lines, the presence of Internet banking is a very important addition to the current account.
The functionality of Internet banking is just as important, so that it is clear and easy to use.
IV. Opening cost This is a one-time payment for opening a bank account. On average, the cost of opening a current account ranges from 500 to 2,000 rubles. Some banks do not take money at all for opening a bank account. Not the most important criterion, but it is also worth considering.
v. Interest on balance is the monthly accrued amount on the balance of the account according to the current interest rate. A good addition to a checking account so that your money always works.
Even 2-8% per annum can provide a good additional income!
2. In which bank is it better to open a current account for an individual entrepreneur or LLC in 2020: TOP 8 banks - an overview of tariffs
For all tariff plans.
Is free: mobile and internet banking, SMS info, payroll and corporate cards.
The operating day is almost a day: from 1 am to 9 pm Moscow time.
A current account is opened online in 3 minutes, all the necessary documents will be brought to your home or office free of charge.
+ there is a built-in free bookkeeping! If necessary, you canconnect merchant acquiring - from 1.79% to 2.69%.
There is. Great.
One of the best Internet banks in Russia. Clear and simple interface. Fast transaction processing. Completely free. Additional partner bonuses are provided: for advertising, online accounting, corporate communications ...
IV. Opening cost. Is free.
V. Interest on balance. There is. 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 advantages of a current account
2. Modulbank
is a medium-sized bank that works exclusively with small businesses. Differs in good terms of service of settlement accounts.I. Reliability — 4 out of 5 points. Above average.
The bank has been in existence since 1992. stable bank. Since 2016, he 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 rates to choose from:
1. Starter
— 0 rub.
- Free payments are not provided. Carrying out 1 payment transaction will cost 90 rubles.
— There is a commission for withdrawing funds depending on the amount of withdrawal: 1% (up to 100 thousand rubles), 3% (from 100,001 to 300,000 rubles), etc. Depositing funds at the offices and ATMs of Modulbank is free of charge, 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 rubles.
- Making 1 payment will cost 19 rubles.
- When withdrawing cash up to 50,000 rubles / month. no commission, up to 300,000 - 1% commission, up to 500,000 - 3% commission, etc. Depositing money to a current account in offices and ATMs of Modulbank is free of charge, commissions of a third-party bank are charged through other banks and ATMs.
- Transfer to cards / accounts of individuals - 19 rubles.
— Corporate cards — 2 free.
3. Unlimited— 3,000 rubles.
— Unlimited number of non-cash payments.
- No commission is charged for withdrawals up to 100,000, up to 500,000 - 1% commission, up to 1 million rubles - 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 bank,mobile bank, 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 get its number. The contract will be delivered to you at any convenient time.
III. Availability and functionality e Internet banking. There is. Great.
Modern, clear and simple Internet banking. One of the very best.
IV. Opening cost. Is free.
V. Interest on balance. There is. Medium.
Under the "Starting" tariff, no interest is accrued, under the "Optimal" tariff - 3% on the balance, under the "Unlimited" tariff - 5%.
You can learn more about the settlement account in ModulBank!
3. Ural Bank for Reconstruction and Development
- Another popular bank that provides the possibility of shareware maintenance of a current account.
I. Reliability — 4 out of 5 points. Above average.
The bank was founded 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. Service cost. Below average - Average.
Tariff conditions differ significantly in different cities. Basically, in large cities with a population of one million, service tariffs are much higher than in other cities of the country. At the same time, in million-plus cities there is no possibility of free service.
There are a lot of tariffs in the bank, we will consider the 2 most optimal ones.
1. Tariff "Everything is simple"
— 0 rub. (from 300 rubles/month in large cities)
- The cost of one payment is 55 rubles (without a subscription fee) and from 22 rubles. (subject to subscription).
- Cash withdrawal through UBRD ATMs - 1%, through ATMs of third-party banks - 3%. Depositing cash in some cities is free of charge, in others from 0.1%.
— 1 free corporate card.
- SMS notification - 39 rubles / month.
2. Tariff "Online" — from 350 rubles/month
— Making 1 payment costs from 19 rubles. depending on the city.
- The commission for cash withdrawal is the same: 1% at UBRD ATMs, in the rest - 3%. The commission for depositing funds into the account depends on the city, in most cases - free of charge, in the rest from 0.1%.
— One corporate card — free of charge.
— SMS informing — 39 rubles/month.
For all rates.
Free Internet banking,mobile bank (viewing operations).
Operating day: from 9 to 18:30.
An application for opening a current account can be left via the Internet, a bank specialist will come to you at a convenient time to complete the documents.
III. Availability and functionality of Internet banking. There is. Average level.
Internet banking medium in terms of functionality.
A huge drawback is the virtual absence of a mobile bank. Through it, it is only possible to view account transactions, but in order to form a payment transaction, you will have to use the full version of the Internet bank.
IV. Opening cost. Is free. In some cities and tariffs - from 700 rubles.
V. Interest on balance. No.
Interest on the balance is not charged.
1.2 Settlement account in the largest banks of 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 the key ones in the Russian financial system, and their bankruptcy will mean that there are very serious problems in the entire economy. At the same time, even in conditions of a deep crisis, they will be financially supported by the state.
As you yourself have already understood, the risks of bankruptcy of such banks are extremely small. However, with regard to the cost of servicing, the price is usually an order of magnitude higher than that of second-tier banks.
1. Sberbank
4. Bank Point (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 find 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!
If you want to purchase goods, you do not have this opportunity, because PROMSVYAZBANK decided so. UNDERSTAND. Now the bank decides how much you should sell and how much you should buy!!! Your client is calling...
THIVES AND FRAUDERS who deceive individual entrepreneurs. Guys be very careful with them! Under the pretext of opening an account, they offer you everything and beautifully, and then they say that you have a limit of up to 3,000,000 rubles for transferring funds ...
How to choose the best services
Despite the fact that opening a current account is not a prerequisite for doing business, it is unlikely that you will be able to work without it. Any business involves settlements with customers and partners, and legislation imposes serious restrictions on cash transactions. It is illegal to use personal cards and accounts for business.
An account is just a bank account, but it is it that allows you to make a lot of transactions with money, this is the so-called cash settlement service, and also provides access to specific bank services.
Therefore, the following factors may influence the choice:
- List of bank services. For example, almost any business requires certain investments at the start. The bank can provide them with a loan. Therefore, the conditions and possibility of lending can be a key factor in the choice.
- Geography of presence. Even the largest banks from the top 10 do not have branches in all localities.
- Requirements for clients. For example, some credit organizations do not work with individual entrepreneurs.
- The cost of settlement and cash services. Even if the bank offers a free rate, you will pay for its services one way or another. For example, a commission from incoming payments or from withdrawals, transfers, etc.
RKO tariffs for legal entities
You can not compare only the cost of opening a bank account. This is a one-time payment that can be neglected in most cases. The key indicator is the totality of all expenses that an enterprise or individual entrepreneur may incur in the process of servicing. Namely:
- Monthly commission for servicing the account and access to it using the remote service system.
- The amount of fees for all transfers and other transactions. For example, in favor of individuals for the payment of wages, in favor of partners for settlements under supply contracts, cash withdrawals and deposits at cash desks, in self-service devices, etc.
- Operative information on services and account status.
You can add or subtract commissions and interest for additional services to the final cost:
- lending;
- deposits (work in plus);
- acquiring;
- etc.
The process of such a calculation requires a lot of time to study the tariffs and the nuances of their application. RKO rates for LLCs and individual entrepreneurs may differ, may depend on the region, as well as on other factors.
Or you can just use our calculator. We will count everything for you. All you have to do is compare and choose.
In which bank is it better to open an IP current account
Favorable tariffs for cash and settlement services for entrepreneurs are not always a decisive factor. The quality of service and technical capabilities of the bank are no less important. For example, in some credit institutions, opening a bank account may take several days or even weeks and require more than one visit to the office. And some banks can do everything in one, maximum two days, and accept and sign documents even without a visit to the branch.
Such high-tech banks with customer-oriented service include, for example, the following:
- Tinkoff Bank;
- Modulbank;
- Point (generally positions itself as a multi-bank service);
- DeloBank;
- Sphere;
- Vesta (relevant only for Moscow).
They focus primarily on remote service.
If you have a micro-enterprise and every penny counts, it is better to open an account at a tariff with free maintenance. These provide, for example:
- Sberbank;
- Alfa Bank;
- Opening;
- Dot;
- Modulbank;
- Loko-Bank;
- Promsvyazbank;
- Sovcombank;
- DeloBank.
Where is the best place to open a bank account?
Sometimes a limited liability company can be managed by one individual, who will be the only employee in combination. Therefore, such an organization is not much different from the same IP. But such situations are rather rare.
The form of ownership of an LLC opens up much greater business opportunities, which is why it is traditionally chosen to create companies with a good turnover. And if individual entrepreneurs, like individuals, deposit guarantees are provided by the Deposit Insurance Agency, then the legal entity is not insured by anyone.
Hence a simple conclusion - you need to choose a bank, first of all, based on its performance indicators, by which you can be sure of high reliability.
Choosing a tariff for settlement and cash services for legal entities will be a little more difficult than for the same individual entrepreneurs, since a larger volume of basic and additional services is expected. The bank must ensure their maximum set.
These criteria can safely include credit institutions from the top 10 in terms of revenue and/or capital. For instance:
- Sberbank,
- Alfa Bank,
- Opening,
- Gazprombank,
- Rosselkhozbank,
- Promsvyazbank.
So that the comparison of banks is not limited only to their rates, we have collected a lot of information about each of them, for example: key performance indicators, technical capabilities, reviews of real customers, geography of presence, a range of services and documents required for applying.
And he has the right to make only cash payments, observing the established limit of 100 thousand rubles. However, by working in this way, you deprive buyers and customers of the opportunity to pay by card or online, and yourself of the convenience of managing your money. There are an abundance of offers on the financial market, and we decided to figure out which bank is better to open a current account for an individual entrepreneur in 2020.
Criteria for choosing a bank for IP
What should be the best bank to open an IP account? Reliable, easy to use and inexpensive to maintain. But that's not all. The typical business of an entrepreneur is a retail outlet where the majority of customers pay in cash. At the same time, settlements with suppliers are carried out, as a rule, by bank transfer. Accordingly, the percentage of the commission when depositing cash into the account should be profitable.
Another important issue for an entrepreneur is the ability to transfer money for personal needs at no extra cost. A good way to avoid paying fees for cash withdrawals is to draw up a card for yourself as an individual. If such a card is opened in the same banking institution where the IP account is, then the commission for the transfer is not charged. The main thing is that the entrepreneur himself should be the owner of the card, and not his spouse, for example.
In our opinion, the best bank for individual entrepreneurs must meet the following criteria:
- Enter . Since 2014, entrepreneurs have been equated with ordinary individuals. This means that when revoking a license from a bank, they are guaranteed a refund, but not more than 1,400,000 rubles. In this sense, an individual entrepreneur is in a better position than an LLC, because such a guarantee does not apply to organizations.
- Offer different tariff packages of services and special loan products. It is important for small businesses to be able to choose only the services they need so as not to incur unnecessary costs. Many banks offer low-cost tariff plans, within which a limited number of payments are made, restrictions may also apply to the amount of turnover per month or year.
- Allow you to conduct transactions on your current account from any device connected to the Internet. In terms of convenience, the online payment feature is the main criterion when choosing the best bank for a small business.
Less significant, but also important features of the best bank include the cost of opening a current account, the speed of transactions, the presence of many branches and branches in different cities.
To select a current account, try our bank rate calculator:
Are you planning to start your own business? Don't forget to reserve your checking account. To select a current account, try our bank rate calculator:
The calculator will select the most advantageous banking offer for settlement and cash services for your business. Enter the volume of transactions that you plan to make per month, and the calculator will show the rates of banks with suitable conditions.
Our rating of the best banks for individual entrepreneurs in 2020
International and Russian rating agencies compile ratings based on financial indicators: assets, profit, creditworthiness. Of course, a good bank should not only offer its customers favorable conditions, but also take care of its financial stability. When compiling our rating, we took into account the opinion of professional experts, customer reviews and the above criteria for choosing the best bank for individual entrepreneurs.
From the top 30 banks according to the banki.ru portal (the rating is compiled using the public reporting of the Central Bank website), we have selected five institutions in which we recommend opening an IP account in 2020.
Tinkoff Bank. It ranks first in the Business Banking Fees Rank 2017 in terms of the cost of servicing Individual Entrepreneurs and first in terms of the cost of servicing a B2B service. Second place in the independent national rating of banks on banki.ru in terms of service quality. Ideal for start-up entrepreneurs and for all those who are not ready for serious expenses for banking services.
Alfa Bank. Main directions: full range of settlement services, corporate and investment business, leasing and factoring, trade finance. Our users, having opened an account here, receive additional bonuses: a promo code for advertising in Yandex.Direct, a free month of Beeline communication, a gift certificate for recruitment from HeadHunter.
Bank opening. The Bank has been operating in the financial market since 1993 and is included in the list of systemically important credit institutions in Russia. Serves 2.7 million individuals and about 190 thousand legal entities. Present in 61 regions of the Russian Federation, has 442 offices. Supports beginners and experienced participants in foreign economic activity, accompanies and finances foreign trade contracts on favorable terms.
Sberbank. The largest credit institution in Russia, which has a reputation as the most reliable bank. In recent years, he has been actively working to improve the service, which allowed him to receive the title of the bank with the best customer support in 2015 according to banki.ru.
VTB. A bank with state participation, which enjoys the special trust of individuals. According to all significant indicators, it consistently ranks in the TOP-5 banks of Russia. For small businesses participating in public procurement, the bank provides guarantees to secure obligations under contracts.
Comparison of RKO tariffs
The more transactions are carried out on the account, the higher the cost of servicing. Let's see what expenses an individual entrepreneur will have when maintaining an account in the top five banks.
Bank and | Alpha | Tinkoff Bank | Sberbank | VTB Start | Opening |
|---|---|---|---|---|---|
Account opening | Certification of the card 450 rub. | Certification of the card 200 rub. | |||
Service per month | 490, first 2 months free | 0 | 1000 r. | 0 | |
The cost of electronic payment | 3 payments for free, then 49 rubles. | up to 3 payments for free, then 199r | up to 5 payments for free, then 100r. | up to 3 payments for free, then 100r. | |
Translation for personal needs of IP | Up to 100,000 rubles per month for free, then 1%, at least 100 rubles. | 150,000 for debit card, 250,000 for credit | Up to 150,000 rubles per month for free, then 1% | 1% of the amount up to 600,000 rubles, then from 3% | |
Refill |
Updated 01/31/2020 Views 48158 Comments 96
Since I once registered an individual entrepreneur (), I also have to use a separate bank account for entrepreneurial activities. I already wrote general information, and in this post I would like to lay out a small comparison of the rates of various banks, including those that were advised in the comments.
Basically, we will talk about Moscow banks, but often they are also represented in the regions, and their tariffs will be lower.
Comparison of bank rates for individual entrepreneurs
Due to the unstable economic situation in the country and the revocation of licenses from banks, there is an opinion that it is better to choose top and large banks so that later you do not have to pull money through the DIA from small ones (IP accounts are insured up to 1.4 million rubles). But I would not say that it is difficult, just for some time the money will be “frozen. Alternatively, you can simply not keep large amounts in the IP account and immediately withdraw them.
And, for that matter, in order not to worry at all, you need to open an account with Alfabank / Sberbank, nothing will happen to them. So see for yourself. The larger and more reliable the bank, the higher your maintenance costs will be. But if you have a big business, then all these commissions against the background of the company's turnover will be cheap.
Tinkoff
After the Module worsened the tariffs, (the first 4 months are free) it began to look more attractive, besides, the bank is still much larger.
Opening an account, connecting to an Internet bank, leaving a representative to an office/apartment is free of charge. A very long operating day, from 1 a.m. to 8 p.m., inside the bank around the clock. It’s convenient for me, sometimes I do translations in the evening. Intra-bank transfers to the accounts of individual entrepreneurs and companies are free.
I have tariff "Simple"— 490 rubles/month. SMS informing on the account - 99 rubles / month, in the presence of an operation 4% on the balance. The first 3 external payments to the accounts of individual entrepreneurs and companies are free, then 49 rubles each. But with payments to individuals there is an ambush - 1.5% of the amount (plus 99 rubles) within 400 thousand rubles, with larger amounts, the commission is higher. But if we are talking about transfers to yourself, then you can transfer up to 150 thousand rubles / month to your Tinkoff Black debit card for free, and 250 thousand rubles / month to a credit card. Or a total of 400 thousand rubles a month. IMHO it's enough.
Tariff "Advanced"— 1990 rub/month. SMS informing on the account - 99 rubles / month, in the presence of an operation 6% on the balance. The first 10 external payments to the accounts of individual entrepreneurs and companies are free, then 29 rubles each. Payments to individuals - 1% of the amount (plus 79 rubles) within 400 thousand rubles, with larger amounts, the commission is higher. But if we are talking about transfers to yourself, then you can transfer up to 300 thousand rubles / month to your Tinkoff Black debit card for free, and 400 thousand rubles / month to a credit card. Or a total of 700 thousand rubles a month.
Tariff "Professional"— 4990 rub/month.
Cash withdrawal from the card - 1.5% within 400 thousand rubles / month in the Simple tariff and 1% within 400 thousand rubles / month in the Advanced. Card with a separate account and free maintenance.
Thus, if you do not want to make Tinkoff bank cards for yourself, or you have physicists on your salary, then you need to look for something else. For example, with good rates. And the rates are easier to understand.
Currency transfers
Maintaining foreign currency accounts is free. You can transfer currency to an individual's account within Tinkoff to avoid commissions on transfers to other banks. But the limits on transfers and commissions will be the same as for rubles, I announced them above.
For the "Simple" tariff. Currency control - 0.2% of the amount (minimum 490 rubles). External transfer 0.2% of the transfer amount, at least 49 cu.
For the "Advanced" tariff. Currency control - 0.15% of the amount (minimum 290 rubles). External transfer 0.15% of the transfer amount, minimum 29 cu.
Modulbank
Is there some more Tariff "Unlimited" for 4900 rubles per month.
They give you a free card for cash withdrawals and deposits. She has her own account. There are limits and fees for withdrawals depending on the tariff and amount of withdrawal. Depositing at certain ATMs is free. But I don’t use a card, I’m used to withdrawing to an individual’s account in another bank.
Currency transfers
Maintenance of a currency account is free of charge. Transaction passport for Optimal and Unlimited tariffs — free of charge. For currency control, they take 300 rubles for a payment within 500 thousand rubles (in equivalent) and 1000 rubles if from 500 thousand rubles to 1 million.
Currency transfer to an individual to another bank 30 dollars, 30 euros or 150 yuan (yes, there are accounts in yuan), up to 500 thousand / 1 million rubles per month (Optimal / Unlimited). If more, then 1%. Somehow so-so. Given that they do not serve physicists and the currency will have to be withdrawn to another bank in any way. In this regard, it is more convenient when an individual has an account in the same bank right away, because intra-bank payments are usually free. But if the currency is not needed, then you can convert to rubles within the Module, they have a currency exchange rate: the exchange rate +/- 1%.
I also wrote more than once that the Module has a minus in terms of currency payments, that their intermediary bank takes $ 15 from some payments. In theory, this should depend on how exactly the non-resident counterparty sends them, shifting the entire commission to the recipient or paying part of it on their side. But earlier there was no commission for the same payments (I received it in another bank), they appeared only in the Module.
Point bank
Tariff "All the best at once"- 2500 rubles / month (the first 3 months for 500 rubles), includes 100 payments in favor of individual entrepreneurs and legal entities, free transfers to an individual's account within 500,000 rubles (hereinafter 0.5%). Cash withdrawal up to 100,000 rubles is free. They give 2% cashback on taxes.
Opening a foreign currency account is free, maintenance is also free. Currency control 0.15% of the transfer amount, but not less than 350 rubles. There is a paid tariff, there is a slightly smaller percentage. Outgoing currency payment 25 ye on the tariff "All the best at once" and 30 ye on the rest.
Alfa Bank
To withdraw cash, they give a free Alfa-Cash card (In, Ultra, FIFA) linked to the main current account. The annual service is free for the Alfa-Cash In card (only for cash deposits) and 299 rubles/month for the Ultra card. Cash withdrawal on the tariff "One percent" up to 1.5 million free of charge. Cash withdrawal up to 100 thousand rubles / month - 1.25% on the tariff "To start" (min 129 rubles) and 1.5% on the tariff "Electronic" (min 200 rubles). The larger the withdrawal amount, the higher the commission. Depositing cash to the current account 1% for the One Percent tariff, free of charge for At Start, and 0.23% for Electronic.
They want 600 rubles for currency control for each payment within 400 thousand rubles (in equivalent), then 0.15%. Monthly maintenance of a foreign currency account is free of charge on the “To start” tariff and 1440 rubles / month on the “Electronic” tariff. Within Alfbank, all currency transfers are free of charge for the "To Start" tariff. For the "Electronic" tariff, internal transfers are free only to the accounts of individual entrepreneurs and legal entities, and payments to individuals within the bank or to other banks - 1% (min. 900 rubles). Both tariffs charge 0.25% for external transfers (minimum $57 or €43, maximum $228 or €174).
Raiffeisen
The minimum package "Start" costs 990 rubles / month, there is a discount for paying for the year. The package includes free account opening and maintenance. Payments for 25 rubles, transfers to individuals within 100,000 rubles without commission, then 1%. They issue a free card to the account, maintenance of the Business 24/7 Basic card - 90 rubles / month. SMS notification - 199 rubles / month.
Without a package: opening a ruble/currency account 1700 rubles, maintenance of a ruble/currency account 950 rubles/$25 per month. Transfer to an individual in Raiffeisen without commission, transfer to an individual in another bank 0.1%, but at least $ 40.
Sberbank
Opening an account is 2400 rubles, but if you have revenue up to 1.8 million / year and you want a loan, then 700 rubles. Internet banking connection RUB 960 These were all one-time expenses, moving on to monthly. Account maintenance 700 rubles / month, fee for using Sberbank Business Online 650 rubles / month, 30 rubles payment.
Opening a foreign currency account 2400 rubles, maintaining a foreign currency account 600 rubles / month. Currency control 0.15% of the amount, minimum 10 cu.
These were the general tariffs for RKO. But there are also service packages. For example, "Minimum" 1500 rubles / month - ruble account + Internet banking + 5 payments. It is not difficult to calculate that everything will be about the same without the package. If you pay for several months, there will be a small discount.
Promsvyazbank
USB-key 1500 rubles, only with it you can use the PSB On-Line Internet banking. The minimum tariff "Business Light" is 1050 rubles / month, opening an account is 590 rubles, payment is 45 rubles. The “My Business” tariff is 1250 rubles / month, it immediately includes bank services, a payment of 45 rubles, opening an account is free. They give a discount if you pay for several months. Currency control 0.15%, but not less than 750 rubles. SMS-informing 199 rub/month.
Why did they come up with this trouble with a USB key ... For me, it’s immediately impossible to use it, drag a USB flash drive around different countries, God forbid you lose it.
Vanguard
Opening an account 1000 rubles (if the application is through the site), maintaining a ruble account 900 rubles / month, maintaining a foreign currency account 500 rubles / month, payment 25 rubles or $ 30 for bucks, currency control 0.075% (min 400 rubles).
In Vanguard, one thing is worth knowing - the money that has come does not need to be withdrawn to your personal account on the same day, otherwise there will be a commission. It’s just worth making it a rule to delay at least one day before withdrawing.
UBRD
Free account opening, Internet banking and departure of the manager. The minimum tariff "Economy" is 500 rubles / month, the payment is 25 rubles, but for connecting the package you need to pay another 750 rubles one-time. Tariff "Online" - 800 rubles / month, payment 25 rubles, connection is free. The difference between these tariffs is that in "Online" payments are round-the-clock.
Personal experience
Agree, I could not compare these two banks if Tinkoff had not used it too, it would not be fair :)
I now have 2 current accounts (Module and Tinkoff). So far I use two, but I'm going to switch to Tinkoff, since I have personal cards there. I'll try to compare the most important points.
- Tinkoff is a larger bank and is ahead in terms of financial performance. Included in the national TOP, but Modulbank is not included.
- Tinkoff has individual accounts, and for those who have bank cards like , it will be very convenient to receive money on them instantly and without commissions. Modulbank does not work with individuals, it will only have an IP account.
- Tinkoff has a tariff of 490 rubles / month. Modulbank has a free tariff, but there is a commission for transfers of 0.75% to individuals, so it will be more correct to compare with the Optimal tariff 388-690 rubles / month. So equally goes for service. Tinkoff charges another 99 rubles/month for SMS, they are free for the Module. But SMS is basically an optional function.
- Tinkoff began opening foreign currency accounts in January 2017, but I didn’t open it, I can’t say anything. Currency control at Tinkoff is 0.2% of the amount (minimum 490 rubles), at Modulbank it is fixed 300 rubles for transactions up to 500 thousand and 1000 rubles for transactions of 500 thousand - 1 million rubles. But the Module has such a problem - for some reason, a commission of 15 ye is taken from some payments on the way, for example, with Google Adsense. With a similar payment to another bank, there is no commission.
- Currency transfers from an individual entrepreneur's account to an individual's account will be free within Tinkoff Bank. In the Module, you will have to pay at least 30 ye for each currency transfer to your card in another bank.
- Both banks have remote support and you can find out any question via chat, as well as perform some actions.
My review of Tinkoff Business
I admit honestly, I initially wanted it in, since I have been using their debit cards for many years. But I was denied without explanation. I suppose there were some technical jambs, because all this was at the very beginning, when they only offered services to legal entities and individual entrepreneurs. Then I opened an account with Modulbank (more on that below), but six months later I applied again to open an account with Tinkoff, and they gave the go-ahead! So keep in mind that if you want to go to Tinkoff, but you were refused, then you can try again after a few months.
I have a small IP and not so many transactions per month, so I didn’t want to pay decent amounts for maintenance every month, it’s somehow stupid to overpay for it. Actually, for this reason, I did not consider top banks, there are no inexpensive tariffs.
Tinkoff has a simple Internet bank, intuitive. I don't remember ever having any problems with it. Everything works clearly! Recently, I have been using their mobile application more and more often, you can do the same there. Somehow even from the phone it became more convenient. Tech support responds in chat with a slight delay, but always to the point. Really satisfied with him and with a clear conscience I can advise all my friends and subscribers.
Signature verification, internet banking, and account opening were free of charge, the representative came to my house 3 days after he left the application. We filled out the paperwork in 10 minutes and he left. It's great, of course, when no one needs to go, as is often the case in other banks.
I can’t say anything about foreign currency accounts, I still have foreign currency accounts with Modulbank. Perhaps later I will completely switch to Tinkoff Business, but for now I’m too lazy to do all this, I use two banks.
My review of Modulbank
To be honest, when I opened an account with Modulbank, I did not expect anything special. We can say that I opened it out of hopelessness (see review about Tinkoff). However, the bank proved to be very convenient.
While everything suits me, no problems arose, not a single jamb at all. The procedure for opening an account took about 30 minutes, however, I had to go to their office in Moscow City (now they are already coming home or to the office). I did not pay anything for opening an account, certification of signatures, connection to the Internet bank.
The Module has a rather convenient and intuitive Internet bank, where you can always ask a question in an online chat. Sometimes they answer right away, sometimes you need to wait 10-20 minutes. At night, they often answer that a specialist will answer during business hours the next day. But I corresponded a lot with currency control, they only work during the day. I like that everything is very simple, and there is no such confusion on security, as it was in the deceased Interactive Bank. There, I remember, you are tormented to confirm the operation with various codes and passwords, but here it’s just a text message and that’s it.
It is also very easy to pass all foreign exchange earnings. I simply upload screenshots to the online chat, for example, from my Google Adsense account (only for the very first time, I still need to send an offer). And then I don’t need to fill in a bunch of fields in the currency transaction certificate, I don’t need to create an order to transfer from a transit account to a regular one, all this is done automatically, I just need to enter a password from SMS. Again, I remember how it used to be in other banks, I made a mistake somewhere (there are a lot of fields), so they call and ask to redo everything again. By the way, in Modulbank currency accounts (dollar, euro, yuan) are opened without visiting the office, also through online chat.
Banks for those who use My Business
I won’t talk about tariffs, users of the service can get to this page themselves and find out everything. I would not consider all banks, but I have already made my choice - Tinkoff / Modulbank (I have 2 accounts).
P.S. I update the post if possible, but tariffs can change quite quickly, so be sure to check everything on the banks' website, and write comments to me so that I can fix it myself.
Life hack #1 - how to buy good insurance
Choosing insurance is now unrealistically difficult, so to help all travelers. To do this, I constantly monitor forums, study insurance contracts and use insurance myself.
