The main advantages of TP are advanced. Tinkoff RKO: tariffs for individual entrepreneurs and legal entities. "Advanced" tariff. Withdraw funds

Tinkoff Bank provides settlement and cash services for representatives of small and medium-sized businesses. According to the international magazine "The Banker", it is the most profitable in Central and Eastern Europe in Q3 2017, therefore it is in demand among clients.

How to conclude an agreement for settlement and cash services

The procedure for concluding a cash settlement service agreement in Tinkoff differs from opening an account in another financial institution, since interaction with the client is carried out online.

The business owner is provided with 2 options for formalizing contractual relations: simple and accelerated.

Registration of cash settlement services in Tinkoff for individual entrepreneurs is carried out according to 3 documents:

• OGRIP;
• passports of an individual entrepreneur.

A package of documents for concluding an agreement for settlement and cash services for commercial and non-profit organization is standard. It includes the following documents:

• charter;
• protocol / decision on the establishment of the organization;
• order on the appointment of a director / general director / president, etc .;
• manager's passport;
• constituent documents of a legal entity (INN, OGRN).

Registration of cash register

Tariff plans

Tariffs for cash settlement services in Tinkoff are among the lowest, since the bank does not incur additional financial costs (for rent, wages service personnel, property tax, etc.).

Business owners are provided with 3 tariff plans to choose from: simple, advanced and professional. Tariffs for cash settlement services at Tinkoff Bank are changed through your personal account.

The simple tariff for cash settlement services in Tinkoff is ideal for individual entrepreneurs who are just starting their business. Its distinctive feature is the absence of a subscription fee for the first 2 months of service. In the future, it is 490 rubles per month. The balance on the account is charged 6% per annum.

"Advanced" tariff also provides free settlement and cash services in the first 2 months. In the future, the subscription fee is 990 rubles. For the remainder Money 8% per annum is charged.

"Professional" tariff created for legal entities and individual entrepreneurs making a large number of payments or transfers to debit cards. Its cost is 4990 rubles (the subscription fee is not charged for the first 2 months). The balance on the current account is also charged up to 8% per annum. A more detailed analysis of tariffs is presented in Table 1.

Table 1 - Comparative analysis tariff plans for business

Benefits of cash settlement services at Tinkoff Bank

1. Flexible pricing policy. Tariffs of cash settlement services at Tinkoff for legal entities and individual entrepreneurs fully take into account the needs of the business in banking services... The terms are transparent and understandable for clients.
2. Personal service. Each client is assigned a personal manager who is competent in various fields: banking, tax, legal, etc.
3. Receiving additional income for the balance on the account. 6-8% (depending on the tariff plan) is charged automatically, no additional agreements are required.
4. Advanced mode of processing payment receipts. The operating day lasts from 7:00 to 21:00, which favorably distinguishes the bank from competitors.
5. Providing additional services depending on the needs of the business. Along with opening a current account, you can apply for a business card, Internet acquiring, a salary project, and purchase an Evotor online cash register.

Tariffs for cash settlement services at Tinkoff Bank are market-based and competitive. They fully take into account the needs of small and medium-sized businesses. In 2016, the bank took 2nd place in the list of the most profitable banking organizations RF, serving legal entities (according to the analytical agency "Markswebb Rank & Repor"). The positive feedback from business owners about the cash settlement service at Tinkoff only confirms the results of the study.

1. Opening a Current Account in Russian rubles and foreign currency IS FREE

2. Change of the Tariff plan FREE OF CHARGE

3. Interest accrued on the balance of funds on all Current Accounts, per annum:

3.1. if there are transactions for a calendar month initiated by the Client

3.1.1. in the amount from 0 to 200,000 rubles. inclusive 0%

3.1.2. in the amount of 200,000 rubles. up to 1,000,000 rubles. inclusive 2.0%

3.1.3. in the amount of 1,000,000 rubles. up to 4,000,000 rubles. inclusive 4.0%

3.1.4. in the amount of 4,000,000 rubles. up to 10,000,000 rubles. inclusive 8.0%

3.2. in the absence of transactions for a calendar month initiated by the Client 0%

4. Service fee:

4.1. in the month of opening the first Current account in Russian rubles and in the second calendar month FREE OF CHARGE

4.2. at the end of the period specified in clause 4.1.

4.2.1. when paying for a calendar month 4990 rubles.

4.2.2. if paid for 12 (twelve) calendar months RUB 49,900

4.3. Current accounts opened in foreign currency FREE OF CHARGE

5. Fee for connecting and providing access to the services "Internet-Bank" and " Mobile Bank»:

5.1. for three users with EP release for FREE

5.2. starting from the fourth user with the issue of ES 990 rubles.

5.3. without issue of EP FREE

6. Commission for transfers:

6.1. intrabank FREE

6.2. tax and budget payments FREE OF CHARGE

6.3. external transfers in Russian rubles 19 rubles.

6.4. external transfers in foreign currency 0.15% of the transfer amount, min. 19 USD / EUR / GBP, but not more than 99 USD / EUR / GBP

6.4.1. when the package "Currency transactions" is activated 0.1% of the transfer amount, min. 19 USD / EUR / GBP, but not more than 59 USD / EUR / GBP

7. Performing agent functions currency control 0.15% of the transfer amount, min. RUB 290, but not more than RUB 29,000.

7.1. when the package "Currency transactions" is activated 0.1% of the transfer amount, min. RUB 290, but not more than RUB 29,000.

8. Registration / renewal of the transaction passport FREE OF CHARGE

9. Commission / Fee for each operation of debiting funds from the Current Account:

9.1. by intrabank transfer, from the Current account of an individual entrepreneur, to your own Agreement payment card, up to 500,000 rubles. IS FREE

9.2. by intrabank transfer, from the Current account of an individual entrepreneur, to your own Credit Card Agreement, up to 500,000 rubles. IS FREE

9.3. by purchasing with the Card FREE OF CHARGE

9.4. by withdrawing cash from ATMs, withdrawing cash and spending transactions in other credit institutions, as well as operations equivalent to them, the list of which is posted on the Bank's website; transfers to individual accounts, including transfers to the Credit Card Agreement:

9.4.1. up to 800,000 rubles. inclusively in excess of the amount specified in clause 9.1. or clause 9.2. 1.0% plus 59 rubles.

9.4.2. from 800,000 rubles up to 2,000,000 rubles. inclusively in excess of the amount specified in clause 9.1. or clause 9.2. 5.0% plus $ 59

9.4.3. from 2,000,000 rubles. in excess of the amount specified in clause 9.1. or clause 9.2. 15.0% plus $ 59

10. Payment for the package "Transfers individuals- all inclusive"

10.1. When paying for a calendar month 4990 rubles.

10.2. When paying for 12 (twelve) calendar months 49,900 rubles.

11. Payment for the package "External transfers - all inclusive"

11.1. When paying for a calendar month 1990 rubles.

11.2. If paid for 12 (twelve) calendar months 19,900 rubles.

12. Fee for the package "Currency transactions"

12.1. When paying for a calendar month 9990 rubles.

12.2. If paid for 12 (twelve) calendar months 99,900 rubles.

13. Fee for top-ups:

13.1. received from legal entities FREE OF CHARGE

13.2. received from individuals, with the exception of receipts under clauses 13.3 and 13.4 FREE OF CHARGE

13.3. received from individuals - the Bank's Clients from the Account Agreement with the Tariff Plan “Current Account. TPN 7.2 (rubles of the Russian Federation) "for the amount of one-time crediting less than 100,000 rubles. 1.0%, min. RUB 99

13.4. received from individuals - the Bank's Clients from the Account Agreement with the Tariff Plan “Current Account. TPN 7.2 (rubles of the Russian Federation) "for the amount of one-time crediting of 100,000 rubles. and more, for every 300,000 rubles. RUB 749

13.5. using the Card through ATMs of third-party credit organizations 1.0% of the top-up amount

14. Fee for issuing the Card:

14.1. on the date of opening a Current account in Russian rubles FREE OF CHARGE

14.2. after the date of opening the Current account in Russian rubles 490 rubles.

15. Commission for card reissue:

15.1. at the initiative of the Client 490 rubles.

15.2. upon expiration / at the discretion of the Bank FREE OF CHARGE

16. Payment for the Authorized Overdraft 490 rubles.

17. Penalty for late repayment of the Permitted Overdraft RUR 1990.

18. Fee for the provision of services:

18.1. "SMS-info" FREE

18.2. "SMS Bank", for one mobile number:

18.2.1. In the month of opening the first Current Account and in the second calendar month FREE OF CHARGE

18.2.2. At the end of the period specified in clause 18.2.1.

18.2.2.1. when paying for a calendar month 99 rubles.

18.2.2.2. if paid for 12 (twelve) calendar months RUB 990

19. Fee for issuing a certificate:

19.1. in in electronic format, from the list specified in your personal account FREE OF CHARGE

19.2. in electronic form, not from the list specified in the personal account, or a certificate or other certified document in paper form IS FREE

20. Closing a Current Account FREE OF CHARGE

21. Fee for issuing a certificate, statement or other document on banking operations after termination of the current account agreement 2990 rubles

22. Payment for the service "Trade acquiring"

22.1. with an interest rate scheme of 1.8%

22.2. with a package scheme of accrual from 1.59% 7990 rubles.

23. Salary project

23.1. Connection and maintenance is FREE

23.2. Transfer of funds to the Employee's Payment Card Agreement FREE OF CHARGE

• The invoice is drawn up within 1-3 business days, you will receive the details immediately after the application is made.
• You can issue an invoice at any time and anywhere - the manager will come to your office himself
• Free service for the first 2 months
• The account balance is charged up to 6% per annum, depending on the tariff
• Convenient and functional internet bank with support for popular online accounting systems
• Additional accounts in three currencies - US dollars, euros and pounds sterling
• Free corporate and salary cards
• Prompt customer support and personal manager services
• Extended operating day - from 01:00 to 20:00 Moscow time
• The bank will help you to issue a qualified electronic signature

When opening an account, Tinkoff offers all new clients:

• Free service in the first 2 months for all new users
• Up to 10,000 rubles for advertising on Yandex.Direct
• Up to 50,000 rubles for advertising from myTagret on Odnoklassniki and Vkontakte
• 3,000 rubles for the first advertising campaign in Google AdWords and Youtube
• 3 months of using the Kontur.Elba service for free
• 30 days of free posting on hh.ru
• 3 months of using the amoCRM system for free
• Up to 10,000 rubles for advertising from Seopult
• 45 days of using "1C: Entrepreneur" for free
• 3 months of using the "My Delo" service for free

Bank advantages for individual entrepreneurs

• Assistance in registering a business - the bank will prepare required documents, and you just have to file an application with the tax office
• Free service for 6 months after registration of an individual entrepreneur
• Free withdrawal of money to personal card Tinkoff - up to 1,000,000 rubles per month
• Free corporate card for account replenishment and cash withdrawal
• Built-in online accounting for individual entrepreneurs on STS and UTII
• For individual entrepreneurs, the same services and functions are available as for LLC (acquiring, salary cards, foreign currency accounts, and others)

Bank advantages for LLC

• Registration of an invoice for a minimum package of documents (passport, PSRN, TIN, constituent documents)
• Salary project with free service and transfers to any banks without commission
• Free service of checking counterparties
• Bank guarantees for participation in procurement (including under 44-FZ)
• Services for companies conducting foreign economic activity - foreign exchange accounts, foreign exchange control, consultations
• Various types of acquiring and customer loans

Video presentation

Tariffs

Tariffs for the product "Package of services for small business" - "Simple"

Explanations to the Tariff plan:

• 4. Calculated on the minimum incoming balance on the Current Account for a calendar month and paid once on the last day of the calendar month. In the month of opening the Current Account, interest is calculated starting from the day following the day of the first receipt of funds to the Current Account.
• 5. Charged monthly on the first calendar day of the month. In the event that in the previous and current calendar month there were no debit or credit transactions on the Current Account, except for writing off Commissions or Fees, Fee
• 5.2.1. Not charged. If the debit or credit transaction was made within a month, the Fee will be charged in full. 5.2.1. Not charged starting from the third to the sixth calendar month (inclusive) from the moment of opening the first Current Account, if the Client was registered as an individual entrepreneur less than 6 months before the date of opening the first Current Account. Further, the Fee is charged in accordance with paragraphs. 5.2.
• 6.3. The commission is charged at the time the transaction is processed by the Bank. Three transfers are provided once, for the entire period of service of the Client in the Bank.
• 7.1. The amount of 150,000 rubles / 400,000 rubles / 2,000,000 rubles is provided for a calendar month and is not carried over to the next calendar month. If at the time of processing the operation the sum of all processed write-off operations exceeds the amount of 150,000 rubles / 400,000 rubles / 2,000,000 rubles. per calendar month, then the commission is charged only on the amount exceeding 150,000 rubles / 400,000 rubles / 2,000,000 rubles. The commission for transfers to individuals is charged in addition to the Commission calculated in accordance with clause 6. When transferring in foreign currency, the commission is calculated at the exchange rate of the Bank of Russia on the date of the transaction. The Bank has the right to change the specified limits depending on the number and nature of the transactions performed by the Client. Transfer to individual accounts within the framework of non-cash settlements includes, but is not limited to, transfers of funds in the form of settlements by collection orders. In the case of transfers of funds in the form of settlements by collection orders, the fee is charged after the full execution of such orders. The Bank has the right to charge a Commission / Fee for any opened Current Account.
• 8.3. Charged at the time of processing the transaction by the Bank.
• 9.2.2. Charged monthly on the first calendar day of the month.
• 11.2. Charged monthly on the first calendar day of the month.
• 12, 13. Charged at the time the service is provided by the Bank.

Tariffs for the product "Package of Services for Small Business -" Advanced "

Explanations to the Tariff plan:

• 1.2. It is charged one time at the time of connection and access provision.
• 4. Calculated on the minimum incoming balance on the Current Accounts opened in Russian rubles for a calendar month and paid once on the last day of the calendar month. In the month of opening the Current Account, interest is calculated starting from the day following the day of the first receipt of funds to the Current Account. The maximum amount of interest that can be charged for a calendar month is not more than 5,000 rubles.
• 5.2. Charged monthly on the first calendar day of the month.
• 6.3. The commission is charged at the time the transaction is processed by the Bank. Ten transfers are provided once a calendar month, the unused balance is not carried over to the next calendar month.
• 7, 10. If the turnover on the Customer's accounts with the Bank exceeds 30,000,000 rubles. per calendar month for each next replenishment and / or transfer the Commission is charged in accordance with clause 6.3. and p. 9. The fee is charged monthly, the first time at the time of the package activation, then on the first day of the calendar month, if the package is activated. The package is connected and disconnected at the initiative of the Client through the Remote Service channels.
• 8. Amount 300,000 rubles / 400,000 rubles / 2,000,000 rubles. is provided for a calendar month and is not carried over to the next calendar month. If at the time of processing the transaction the sum of all processed withdrawals exceeds 300,000 rubles / 400,000 rubles / 2,000,000 rubles. per calendar month, then the Commission is charged only from the amount exceeding RUB 300,000 / RUB 400,000 / RUB 2,000,000. The commission for transfers to individuals is charged in addition to the Commission calculated in accordance with clause 6. When transferring in foreign currency, the Commission is calculated at the exchange rate of the Bank of Russia on the date of the transaction. The Bank has the right to change the specified limits depending on the number and nature of the transactions performed by the Client. Transfer to the accounts of individuals within the framework of non-cash settlements includes, but is not limited to, transfers of funds in the form of settlements by collection orders. In the case of transferring funds in the form of settlement by collection orders, the Fee is charged after the full execution of such orders, the Bank has the right to charge a Commission / Fee for any of the opened Current Accounts.
• 9.4. Charged at the time of processing the transaction by the Bank.
• 9.4.1. The amount is 100,000 rubles. is provided once a calendar month and is not carried over to the next calendar month.
• 9.4.2. The amount is 300,000 rubles. provided automatically, in case of exceeding the amount of funds, in accordance with clause 9.4.1, or the previously provided and spent amount of funds of 300,000 rubles. When the package "Replenishment - all inclusive" is activated, the amount is 300,000 rubles. is not provided.
• 10. The package includes 3 replenishments of the Current Account per month, received from individuals - Clients of the Bank from an agreement that has a Tariff Plan "Special Account for Replenishment" or using the Card through ATMs of other credit institutions. When the package is connected, the Fee specified in clause 9.3 is not charged. In case of exceeding the provided package within a month new package provided automatically with the collection of the Fee specified in clause 10.1. A package that has not been consumed within a month is not transferred to the next month.
• 11.2.2. If the second and subsequent Cards were issued after the expiration of the second calendar month after the opening of the first Current Account, the Fee is charged at the time of the Card issue. Further, the Fee is charged monthly on the first calendar day of the month.
• 13. Charged monthly on the first calendar day of the month.
• 14.2. It is charged at the time the service is provided by the Bank.

Tariffs for the product "Package of services for small business -" Professional "

Explanations to the Tariff plan:

• 1.2. It is charged one time at the time of connection and access provision.
• 4. Calculated daily to the incoming balance on the Current Account. With the amount of the balance of funds over 10,000,000 rubles. interest in the amount of 6% per annum is charged in the amount of RUB 10,000,000. Interest is paid once on the last day of the calendar month.
• 5.2. Charged monthly on the first calendar day of the month. If no transactions have been made since the date of opening the first Current Account in Russian rubles or foreign currency, the Fee will not be charged.
• 6.3. The commission is charged at the time the transaction is processed by the Bank.
• 7. The package includes external transfers, unlimited in quantity and amount, made in a calendar month from the Current Account.
• 7. If the turnover on the Customer's accounts with the Bank exceeds 30,000,000 rubles. per calendar month for each next replenishment and / or transfer the Commission is charged in accordance with clause 6.3. The fee is charged monthly, for the first time at the time of the package activation, then on the first day of the calendar month, if the package is activated. The package is connected and disconnected at the initiative of the Client through the Remote Service channels.
• 8.1, 8.2. The amount is 100,000 rubles. is provided for a calendar month and is not carried over to the next calendar month. If, as a result of processing the transaction, the sum of all processed withdrawal transactions exceeds RUB 100,000. per calendar month, then the commission is charged only on the amount exceeding 100,000 rubles.
• 8.3. The commission for transfers to individuals is charged in addition to the Commission calculated in accordance with clause 6.
• 9.3. The commission is charged at the time of processing the transaction by the Bank, regardless of the presence of the connected package "Unlimited top-ups" and the amount of funds provided in accordance with cl.
• 9. Amount 500,000 rubles / 800,000 rubles / 2,000,000 rubles. is provided for a calendar month and is not carried over to the next calendar month. If at the time of processing the transaction the sum of all processed withdrawals exceeds 500,000 rubles / 800,000 rubles / 2,000,000 rubles. per calendar month, then the Commission is charged only from the amount exceeding RUB 500,000 / RUB 800,000 / RUB 2,000,000. The commission for transfers to individuals is charged in addition to the Commission calculated in accordance with clause 6. When transferring in foreign currency, the Commission is calculated at the exchange rate of the Bank of Russia as of the date of the transaction. The Bank has the right to change the specified limits depending on the number and nature of the transactions performed by the Client. Transfer to the accounts of individuals within the framework of non-cash settlements includes, but is not limited to, transfers of funds in the form of settlements by collection orders. In the case of transferring funds in the form of settlement by collection orders, the Fee is charged after the full execution of such orders. The Bank has the right to charge a Commission / Fee for any of the opened Current Accounts
• 10.2.2. If the second and subsequent Cards were issued after the expiration of the second calendar month after the opening of the first Current Account, the Fee is charged at the time of the Card issue. Further, the Fee is charged monthly on the first calendar day of the month.
• 12. Charged monthly on the first calendar day of the month.
• 13.2. It is charged at the time the service is provided by the Bank.

How to open an account

It is quite simple to open a current account at Tinkoff Bank. For this, an individual entrepreneur will only need an application, a passport and a TIN registration certificate.

Maps are available for managers Black Edition with high status and additional privileges - concierge service, health insurance, admission to airport business lounges and others. You can get such a card after connecting 100 employees to the salary project.

If your employee wants to receive a salary on the card of his bank, you can transfer it without any problems. For the transfer of salary to another Tinkoff bank does not charge a commission within an individually set limit.

The Tinkoff Internet Bank has a built-in online accounting service for individual entrepreneurs on the simplified tax system and UTII. With it, you can automatically calculate and pay taxes and fees, send and receive payments, fill out and submit tax returns, follow the reporting schedule. The built-in document builder allows you to create legally sound documents from over 1,400 templates. All these functions are available both in the desktop Internet bank and in the Tinkoff mobile application.

When connecting online accounting, the bank will arrange for you a qualified electronic signature... This signature is required for online interaction with tax authorities... The CEP is issued within one day.

Accounting outsourcing is available for individual entrepreneurs and LLCs on the STS, UTII and patent. In this case, remote specialists will keep the report for you - you will only need to check and sign the reports before sending. Also, experts will advise you free of charge on any accounting issues.

Accounting outsourcing rates:

In addition, Internet Banking is fully compatible with popular online accounting services - 1C, Moi Delo, Button and others. Integration into the existing accounting system is completely free.

Tinkoff corporate cards

When registering a current account, the bank will provide a debit corporate card free of charge. This card will come in handy for paying some of the company's expenses, making deposits and withdrawing cash.

The corporate card is linked to the current account and uses the money from it. If necessary, you can set up separate limits and restrictions on operations for it. You can manage your card in the Internet bank or mobile application.

With active spending on corporate cards, account maintenance will be free. The minimum spend for this condition depends on the tariff of the account: "Simple" - 50,000 rubles per month, "Advanced" - 200,000 rubles per month.

Cash collection at Tinkoff

Together with a large collection service Inkahran, Tinkoff launched a collection service for its clients. Any individual entrepreneur or legal entity that has opened a current account with this bank can use it. Cash collection will help you if you need to transport large sum to the bank to be credited to the account. The service is available in all cities where Inkahran is present.

You can submit an application for collection and agree on the conditions at any time in the Internet bank. You can order one-time or regular arrivals to one or several points. Collection commission - from 0.3% of the amount, negotiation of conditions and provision of safe packages are free. The money transported is insured: in case of loss of the amount during delivery, the bank will reimburse it.

Bank guarantees in Tinkoff

Together with several large banks- Sovcombank, Loko-Bank, TKB and others - Tinkoff provides clients with guarantees for participation in public procurement and execution of contracts. The guarantees fully comply with the requirements of 44-FZ and 223-FZ. Additionally, Tinkoff will open a special account for participation in tenders - its service is included in the cost of the current account.

Guarantees are issued for an amount of up to 200,000 rubles and for a period of up to 1,500 days. The issuance fee is from 1,000 rubles, depending on the terms of the contract. Security is not required for its issuance. The guarantee is issued within a day, all Required documents can be transferred electronically through your personal account. You can sign an application with an SMS code or an electronic signature.

Cash transactions at Tinkoff

Sometimes an entrepreneur, especially when starting a business, needs to replenish or withdraw money from an account. Tinkoff allows you to do this - you just need to have a corporate card attached to your account. Next, you will learn how and where you can replenish or withdraw money from your account.

How to withdraw money from a current account

You can withdraw money from the account using corporate card... This can be done at any ATM - both at Tinkoff and at other banks. Cash withdrawals are limited to monthly limits - if they are exceeded, the commission increases. The amount of the commission depends on the tariff of your account.

An individual entrepreneur can withdraw money to debit card Tinkoff to withdraw them from an ATM or spend for personal use. In the same way, you can top up credit card Tinkoff. The free withdrawal amount available every month also depends on the tariff.

The same restrictions apply to transfers from an account to individuals (except for salary payments). When the package "Individuals - no commission" is connected, transfers become free. Please note that this package does not apply to cash withdrawals.

Cash withdrawal rates:

How and where to top up your current account

You can replenish your account, as well as withdraw cash, at an ATM of any bank. Tinkoff charges a small commission for each deposit. The amount of limits and commissions depends on your tariff.

On the "Advanced" and "Professional" tariffs, you can activate a package with a free top-up. When connected, you can deposit money into your account without commission several times a month. The package price and the number of top-ups are also determined by the tariff.

You can also transfer money to an account in Tinkoff from an individual's account or a current account with another bank. In the first case, you will need to pay a standard transfer fee, and in the second, you will need to correctly draw up a payment order.

Cash top-up rates:

Bank electronic services

Tinkoff allows you to manage your current account using the Internet Bank and mobile application... Since the bank in its work focuses on online services, it constantly cares about their convenience and functionality.

Internet bank

Login and password for access to your personal account will come to you via SMS within a few hours after meeting with the manager:

For security, all important actions in the Internet Bank are accompanied by SMS authorization.

On the home page personal account displays information about your account (available balance, receipts and withdrawals for the current month), payment history and other information.

To activate the account, you need to sign the client's profile:

For security reasons, you need to specify two security questions and answers to them:

Within a few hours after activating your account, your personal assistant will call you to meet and activate your bank card.

Tinkoff Business app review

First page of the application:

To complete an application for opening a current account, you must specify your phone number, full name and email address:

After entering the username and password, you need to enter the code from SMS or Push notifications.

In order not to enter your login and password each time you enter, you need to set a four-digit digital access code:

The main page of the application displays the amount of funds in the account and execution, the history of processed payments and the search bar:

On the New Payment page, you can create a payment to the budget, pay taxes, or send money to a business partner. You can also recognize the payment by the photo:

To make a payment to the counterparty, you need to indicate its name, TIN and KPP:

On the "Support" page, you can call your personal assistant via the Internet or ask a question in the chat:

New chat dialog page:

The "More" page displays information about your plan:

Website builder

Tinkoff provides clients with a simple website builder that can be used to easily assemble an informational website or landing page. The constructor provides the user with up to 150 template blocks and allows you to add your own code. It supports all the tools you need to manage your site and work with clients - from chatting with a company to integrating with web analytics systems.

Constructor and hosting for hosting sites are provided free of charge at any RKO tariff. The user will also have access to a free CRM system for working with applications.

In this article, we will consider the tariffs and conditions for opening a foreign exchange account and passing foreign exchange control at Tinkoff Bank. You will learn how to open an account, connect currency control and read several reviews of the bank's clients.

Benefits of currency control at Tinkoff Bank

Among the services for business in Tinkoff there is also currency control. Thanks to him, entrepreneurs can work with foreign partners as easily as with domestic ones.

In addition to ruble settlement accounts, the bank serves accounts in:

• Euro.
• Dollars.
• Lbs.

The bank does not ask its clients for unnecessary documents - only the most necessary for passing the currency control. For payments under contracts up to one thousand dollars, you do not need to collect any papers at all.

In any controversial or incomprehensible situation, the personal manager is ready for the account holder. The specialist will not only help to fill out the documents, but also transfer the details, tell you about the features of tax reporting.

Bank official website

Tariffs

Users of the "Professional" tariff can activate the "Favorable Currency" package. It is intended for entrepreneurs engaged in active foreign economic activity.

After the package is connected, the following parameters are changed:

• Commission per commit currency transactions- 0.1% of the amount (instead of 0.15%).
• Foreign exchange control agent's commission - 0.1% of the amount (instead of 0.15%).
• Package fee for one month - 9,990 rubles.
• The fee for the package for the year is 99,900 rubles.

More about tariffs

Foreign exchange management

To govern foreign currency account an entrepreneur can through an Internet browser or an application on a smartphone. The foreign currency account and transactions on it are displayed in the same window as the ruble current account of the user, accounting, loans, and so on.

The account holder enters all data into electronic form in your personal account, uploading supporting documents there. References and are filled in automatically.

How to open a foreign currency account with Tinkoff Bank

An online application for opening a foreign currency account consists of only one column - the number mobile phone... For existing clients of the bank, such an account is opened in one click. After pressing the "Send" button, the entrepreneur can only answer the call of the bank manager and discuss the nuances of the services of the currency control agent.

It is impossible to receive a refusal to open a foreign currency account. At any tariff, this procedure is free of charge - a foreign currency account is opened in addition to the ruble account, it is also connected additional function in the internet bank.

Open an account

In the bank Tinkoff business tariffs are developed taking into account the type of activity and profitability of the organization. The bank offers entrepreneurs convenient way management of financial flows. The proposed new tariffs will allow you to quickly and efficiently carry out any transactions. We will learn more about the current offers of the bank.

Card and new rates for business in Tinkoff

At Tinfkoff Bank, business tariffs in Internet banking are developed taking into account the needs of different customers. This makes it possible to choose the most suitable one with the most acceptable and loyal conditions.

When choosing, you should focus on:

• company turnover;
• specifics of settlements with clients and partners;
• monthly requirements for different operations.

On the this moment you can issue:

• Tinkoff business tariff Simple;
• Advanced;
• Professional.

They all differ in terms of their terms, but there are a number of options available to customers regardless of the package chosen.

Plain

This is the minimum tariff that is suitable for individual entrepreneurs and for those who are just starting their own business.

The terms of TP Simple Bank Tinkoff are as follows:

• 3 payments - free, subsequent payments - 49 rubles. for every;
• transferring funds from an account to own map Tinkoff Black up to 150 thousand rubles. per month and Tinkoff Platinum up to 250 thousand rubles. per month without commission;
• if these amounts are exceeded, the commission will be 1.5% + 99 rubles.

Advanced

This tariff is provided to organizations with a turnover of up to 3 million rubles, if this amount is exceeded, it is not provided.

The parameters will be as follows:

• 10 payments - free, subsequent payments - 29 rubles. for every;
• for 990 rubles. you can receive an unlimited number of payments per month;
• transferring funds from an account to your Tinkoff Black card up to 300 thousand rubles. per month and Tinkoff Platinum up to 350 thousand rubles. per month without commission;
• if these amounts are exceeded, the commission will be 1% + 79 rubles.

Professional

This tariff plan with maximum parameters is suitable for large businesses with high turnovers.

• the cost of each payment is 19 rubles, for 1990 rubles. you can get an unlimited number of them per month;
• transferring funds from an account to your own Tinkoff Black and Tinkoff Platinum card up to 500 thousand rubles. per month without commission;
• if these amounts are exceeded, the commission will be 1% + 59 rubles.

The cost of tariff plans

Depending on the type of package, monthly maintenance costs:

• for the Simple package: 490 rubles;
• for Tinkoff business Advanced tariff: 990 rubles;
• for the tariff plan (TP) Professional: 4,990 rubles.

In the first 2 months of the test mode, new customers are provided with mobile and Internet banking free of charge, opening an account, SMS informing service, issuing and servicing cards (corporate) are also provided free of charge. If you refuse after 2 months, you will not need to pay for closing the account and cards.

Withdrawing cash and depositing money into the account

In Tinkoff Business Bank, rates for cash withdrawals are also set in accordance with the connected package. For Simple, the commission will be 1.5%, for Advanced and Professional - 1%. The same commissions will be charged for transfers to individuals.

If you need to deposit money to the Tinkoff Business account, the tariff will also correspond to the selected TP. For Simple for each operation 299 rubles, for Advanced and Professional with amounts less than 100,000 rubles - from 99 rubles, from 100,000 to 300,000 - 749 rubles.

These commissions are indicated for transactions in national currency, other commissions will operate in the foreign one.

Opening an account in Tinkoff bank

This will require:

• follow the link https://www.tinkoff.ru/business/;
• if you are not yet registered as an individual entrepreneur or legal entity, go through the online registration procedure (https://newbusiness.tinkoff.ru/index.do);
• fill out the application: it is enough to indicate the contact phone number. You will be called back to arrange a personal meeting with a bank representative;
• in your personal account, you need to fill out the application form and upload scans of documents;
• A bank representative will visit your office to sign the documents.

That is, a new account will be opened remotely within the framework of the selected TP, the bank employee will bring all the documents to the address you specified, after which all the envisaged operations will be available.

Conclusion

At Tinkoff Business Internet banking rates for legal entities and individual entrepreneurs directly related to the selected plan (Simple, Advanced, Professional). Within 2 months in test mode, it will be possible to evaluate the quality of the services provided and the convenience of the selected TP for free In the future, you can leave the current package. And also switch to another (free of charge) or cancel a new account and banking services at all.