Depositing cash into an IP Tinkoff current account. Tinkoff business current account. How to conclude an agreement for cash management services

There are many banks in the area Russian Federation, where you can open a current account for servicing individual entrepreneurs. Each of them offers many opportunities, but along with them, all banks have their own disadvantages.

Bank "Tinkoff"

A current account for individual entrepreneurs in this financial institution meets many requirements individual entrepreneur. The main ones are always considered to be low tariffs and commissions. Suitable for individual the commission is considered to be 1-2 percent when withdrawing Money from the account. Ideally, many would like the commission to be completely absent, but this is impossible.

Another requirement of the individual entrepreneur for the bank is low tariffs for account servicing (no more than five hundred rubles per month when there is a movement of funds, and a complete absence of tariffs in months when there is no movement). Also, many people need convenient and highly functional Internet banking. All this is provided when opening a current account for an individual entrepreneur by Tinkoff Bank.

About the bank

A few years ago many financial institutions The Russian Federation refused to service the accounts of private entrepreneurs. Tinkoff was also one of them. In 2014, servicing a current account for individual entrepreneurs at Tinkoff Bank cost approximately four thousand rubles every month. This forced private entrepreneurs to turn to other institutions.

Tinkoff is the first bank in the Russian Federation that decided to abandon branches and conduct all its activities on the Internet. In an interview, Oleg Tinkov said that he does not understand why others Russian banks They spend a lot of money on opening branches if they can work online. It is much more convenient and less expensive. The bank also uses ATMs of its partners. This allows you to save a lot of money compared to other institutions in the Russian Federation. Tinkoff increases its profits due to the fact that it does not have to pay for offices, ATMs and employee salaries.

The institution’s call centers employ 1,200 employees. The response time is less than two minutes. According to bank representatives, approximately 95 percent of all problems that clients address are resolved the first time they contact Tinkoff by phone or through online banking.

Pros of the bank

Opening a current account for individual entrepreneurs at Tinkoff Bank gives clients a number of advantages. The main one for most private entrepreneurs is the low cost of account maintenance. There are three tariffs: 490 rubles per month, 990 rubles per month and 4 thousand 990 rubles monthly. Another advantage of opening a current account at Tinkoff Bank is convenient Internet banking, where the client can use all the services provided by the institution. This service from Tinkoff is the highest quality among all those provided by other banks in the Russian Federation.

All account transactions are carried out online, so customers do not need to visit the bank. However, in some cases, the institution may send a courier to its client. Also, when opening a current account for an individual entrepreneur at Tinkoff Bank, positive reviews were received by the fact that there is no commission for withdrawals of less than 400 thousand rubles.

Withdrawals are made to a previously linked debit card or credit card. This means that an individual entrepreneur does not have to visit bank branches and order a withdrawal of funds. The procedure for transferring money from a current account for an individual entrepreneur at Tinkoff Bank takes a little time. It is carried out in a few clicks with a computer mouse.

A unique offer when opening a current account for individual entrepreneurs at Tinkoff Bank is the accrual annual interest on the funds remaining in the account. Interest rate ranges from six to eight percent per year. Therefore, many individual entrepreneurs always keep a certain amount of cash and receive 6-8 percent per year. They are paid once a month.

Rates

For several years, two tariffs were applied to the current account at Tinkoff Bank. The first tariff is called “Simple”, and its cost was 490 rubles per month. The cost of the second tariff is 990 rubles, it is called “Advanced”.

Recently, the bank began to provide a third tariff - “Professional”, the cost of which is 4 thousand 990 rubles per month. You must pay for use from the second month. Also, if the client does not like the bank’s service, he can learn how to close a current account at Tinkoff Bank. Closing is free of charge.

Tariff "Simple"

As already mentioned, the cost of the tariff is 490 rubles per month. Its advantage is that if no funds were credited to the account and if no money was withdrawn from it, then there is no commission.

In this tariff, the first three payments are processed free of charge. After this, you need to pay the bank 49 rubles for each subsequent payment. This may be an advantage for those individual entrepreneurs who are not as active commercial activities.

Paying taxes does not require any commission. You can also make money transfers within Tinkoff Bank for free.

Tariff "Simple". Withdrawal of funds and replenishment of current account

Another reason for the positive reviews about the current account at Tinkoff Bank is the well-thought-out cash debit system. There are two cards to which you can transfer funds from your current account. These are Tinkoff Black and Tinkoff Platinum cards - debit and credit cards, respectively.

Without paying commissions, a private entrepreneur can transfer up to 150 thousand rubles to a debit card, and up to 250 thousand rubles to a credit card. If you withdraw more funds, the commission will be one and a half percent for every 400 thousand rubles over 150 thousand and 250 thousand rubles for debit and credit cards, respectively ( minimum amount commission is 99 rubles).

Many clients are attracted to opening a current account for individual entrepreneurs at Tinkoff Bank because no commission is charged when transferring money from partners and counterparties. This is a great advantage over other institutions that operate in the Russian Federation, and perhaps main reason that individual entrepreneurs choose Tinkoff.

The client needs to familiarize himself in detail with how to top up his current account at Tinkoff Bank. If you deposit money into your current account yourself, you will need to pay 299 rubles for any amount deposited.

Tariff "Advanced"

The first month of using this plan is also free. Then the entrepreneur will have to pay 99 rubles every month. Unlike the “Simple” tariff plan, the “Advanced” tariff allows you to make the first ten payments for free, after which you will need to pay 29 rubles for each subsequent payment. But it should be noted that owners of the “Advanced” tariff are given the opportunity to activate the unlimited payment service. Its cost is another 990 rubles per month.

The disadvantage of this plan is that an individual entrepreneur needs to pay almost a thousand rubles monthly, regardless of whether there is any cash flow in the account. This tariff is suitable for those individual entrepreneurs who make many payments in the course of their activities. As in the “Simple” tariff, in this tariff plan you can pay taxes and transfer funds to the accounts of other Tinkoff Bank clients without commissions.

Tariff "Advanced". Withdrawals

The commission for withdrawing funds in this tariff also depends on which card it will be used for. You can withdraw no more than 300 thousand rubles per month to a debit card for free, and up to 350 thousand rubles per month to a credit card.

If an individual transfers more than 350 thousand rubles to credit card and more than 300 thousand rubles on a debit card, then he will have to pay another interest on amounts of 400 thousand rubles.

This tariff will be beneficial to those individuals who have opened a current account for individual entrepreneurs at Tinkoff Bank, who have an income of up to 350 thousand rubles and do not want to use a bank debit card. It is also possible to activate the option of unlimited withdrawal to individuals. The cost of the service is 2 thousand 990 rubles per month. If the turnover exceeds three million rubles, then the package is not provided.

Tariff "Advanced". Refill

A commission of 99 rubles when replenishing an account with an amount less than 100 thousand rubles is a one-time fee. If the amount you top up your account is from one hundred to three hundred thousand rubles, then the commission amount is 749 rubles.

Also, for 1 thousand 990 rubles, a bank client can purchase a package that allows unlimited replenishment of a current account. But, again, it is necessary to take into account that this service is not provided to those individual entrepreneurs whose turnover exceeds three million rubles.

Tariff "Professional"

If the previous two current account tariffs for individual entrepreneurs at Tinkoff Bank are not able to provide all the services and options that an individual entrepreneur needs, then he can use the third tariff plan called “Professional”. Its monthly cost is 4 thousand 990 rubles per month.

For each payment made within the framework of using the “Professional” tariff, an individual entrepreneur is obliged to pay the bank 19 rubles. This is 30 rubles cheaper than the “Simple” tariff plan and 10 rubles cheaper than the “Advanced” tariff plan. But we must remember that in the first two tariff plans, the debut 3 and 10 payments, respectively, are processed free of charge. In addition, for 1 thousand 990 rubles per month you can activate the ability to make unlimited payments. And if in the “Advanced” tariff this service was not provided to individual entrepreneurs with a turnover of over three million rubles, then in this tariff plan there is no such restriction.

Tariff "Professional". Debiting funds and replenishing your account

This tariff plan has increased the limits for transfers to credit and debit cards without commission. Thus, an individual entrepreneur can withdraw up to half a million rubles to his credit card without paying a commission. The withdrawal amount to a debit card with zero commission is also 500 thousand rubles. In the event that the amount of money transferred to any of the cards exceeds the established limit by 800 thousand rubles, the commission amount will be equal to one percent of 800 thousand rubles plus 59 rubles. For 4 thousand 990 rubles, an individual can purchase a package for unlimited withdrawal of funds.

When replenishing an account in the amount of one hundred to three hundred thousand rubles, a commission of 749 rubles is charged, as in the “Advanced” tariff plan. Also, the commission for replenishing an account with less than 100 thousand rubles is 99 rubles. But unlike the “Advanced” plan, the “Professional” tariff does not imply the possibility of purchasing a package for providing unlimited top-ups to a current account.

Additional features

After managing to open a current account for an individual entrepreneur at Tinkoff Bank, the client is provided with several free options. Firstly, he will get free access to mobile application and to Internet banking. Secondly, a free function will be provided, which involves free confirmation of payment via SMS.

As for SMS banking, the client can use this option free of charge only for the first two months. Then you will have to pay 99 rubles per month. Also, a manager is assigned to the individual entrepreneur, who can provide consultations 24 hours a day and 7 days a week. Once a month, the client can change the tariff for free.

Submitting an application for a current account at Tinkoff Bank

An individual entrepreneur must submit an application before starting to use all the capabilities of the service. This can be done on the bank's website. After this, a representative of the institution will contact the client to clarify all the details. Then a form to fill out and a list of documents that need to be sent to the bank will be sent to the entrepreneur’s email. Also, when registering, you will need to provide the originals of the sent documents. The application for opening a current account at Tinkoff Bank includes the following documents:

• tax payer identification code;
• available licenses;
• passport of a citizen of the Russian Federation or other document that can confirm the identity of the bank client;
• SNILS;
• OGRNIP certificate;
• a questionnaire previously sent by email by the bank.

Existing individual entrepreneurs must provide information about their financial situation. This may be one or more documents. An individual entrepreneur can use the following documents to confirm his financial situation:

• financial statements for the year or other period;
• entrepreneur's annual or quarterly tax return;
• tax payment certificate;
• patent for carrying out entrepreneurial activities;
• the audit company's conclusion regarding annual report for the past year, which must include confirmation of the reliability of financial and accounting statements.

There are cases when it is enough to provide the bank with extracts from the book on income and expenses, as well as a report from the Federal Tax Service. This applies more to those individual entrepreneurs who were registered a long time ago.

After the client contacted the manager of Tinkoff Bank, received a form, filled it out and provided all Required documents, you should wait a few days. Typically, the application review process takes from three days to a week. If this procedure ends positively for the client, the bank will open a current account for him and also provide all the necessary documents. They will be delivered to the client by courier, who will help arrange everything in any convenient place. After this, you can start using your current account and all the benefits of working with Tinkoff Bank.

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

2. Changing the Tariff plan FREE OF CHARGE

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

3.1. if there are transactions for a calendar month initiated by the Client 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 990 rub.

4.2.2. when paying for 12 (twelve) calendar months 9900 rub.

4.3. Current accounts opened in foreign currency

4.3.1. when paying for a calendar month 990 rub.

4.3.2. when paying for 12 (twelve) calendar months RUB 9,900.

5. Fee for connection and provision of access to the Internet Bank and Mobile Bank services:

5.1. two users with the release of an electronic signature for FREE

5.2. starting from the third user with the release of EP 990 rub.

5.3. without issuing an EP FREE OF CHARGE

6. Commission for transfers:

6.1. intrabank FREE

6.2. tax and budget payments FREE

6.3. external transfers in Russian rubles FREE of charge for the first 10 (ten) transfers, the next 29 rubles.

6.4. external transfers in foreign currency 0.15% of the transfer amount, min. 29 US dollars, euros, pounds sterling

7. Acting as an agent exchange control 0.15% of the transfer amount, min. 290 rub., max. 29,000 rub.

8. Registration/re-registration of a transaction passport FREE OF CHARGE

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

9.1. intrabank transfer, from the Current account of an individual entrepreneur, to his own Agreement payment card, up to 300,000 rub. FOR FREE

9.2. intrabank transfer, from the Current Account of an individual entrepreneur, to his own Credit Card Agreement, up to RUB 350,000. FOR FREE

9.3. by purchasing using the Card for FREE

9.4. by withdrawing cash from ATMs, withdrawing cash and expense 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 400,000 rub. inclusively in excess of the amount specified in clause 9.1 or clause 9.2 1.0% plus 79 rubles.

9.4.2. from 400,000 rub. up to 2,000,000 rub. inclusively in excess of the amount specified in clause 9.1 or clause 9.2 5.0% plus 79 rubles.

9.4.3. from 2,000,000 rub. in excess of the amount specified in clause 9.1 or clause 9.2 10.0% plus 79 rubles.

10. Fee for the package “Transfers to individuals - all inclusive”:

10.1. when paying for a calendar month 2990 rubles.

10.2. when paying for 12 (twelve) calendar months RUB 29,990.

11. Fee for the package “External transfers - all inclusive”

11.1. when paying for a calendar month 990 rub.

11.2. when paying for 12 (twelve) calendar months RUB 9,900.

12. Replenishment fee:

12.1. received from legal entities FOR FREE

12.2. received from individuals, with the exception of receipts under clauses 12.3 and 12.4 FREE OF CHARGE

12.3. received from individuals - Clients of the Bank from an Account Agreement with a Tariff Plan “Current Account. TPS 7.2 (Russian rubles)" for a one-time credit amount of less than RUB 100,000. 1.0%, minimum 99 rub.

12.4. received from individuals - Clients of the Bank from an Account Agreement with a Tariff Plan “Current Account. TPS 7.2 (Russian rubles)" for a one-time credit amount of 100,000 rubles. and more, for every 300,000 rubles. 749 rub.

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

13. Fee for the “Top-ups - all inclusive” package

13.1. when paying for a calendar month 1990 rubles.

13.2. when paying for 12 (twelve) calendar months RUB 19,900.

14. Card issue fee:

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 re-issuing the Card:

15.1. at the initiative of the Client 490 rub.

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

16. Fee for Permitted overdraft RUB 490

17. Fine for late repayment of the Permitted overdraft RUB 1,990.

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. when paying for 12 (twelve) calendar months 990 rubles.

19. Fee for issuing a certificate:

19.1. V in electronic format, from the list specified in personal account FOR FREE

19.2. in electronic form, not from the list specified in your personal account, or a certificate or other certified document in in paper form 590 rub.

20. Closing a Current Account FREE OF CHARGE

21. Fee for issuing a certificate, extract or other document according to banking transactions after termination of the Current Account Agreement RUB 2,990.

22. Fee for the “Trade Acquiring” service

22.1. with an interest accrual scheme of 2.0%

22.2. with a package accrual scheme from 1.79% RUB 2,690.

23. Salary project

23.1. Connection and service are FREE

23.2. Transfer of funds to the Employee's payment card agreement is FREE OF CHARGE

For more than 3 years I have been active as “my own person.” That is, IP. Over these 3 years, I have already looked for banks 3 times to service my individual entrepreneur. Today I’ll tell you why I decided to close my account at Avangard Bank in 2016 and move to Tinkoff.

So, now you have registered your individual entrepreneur, you need to find a bank to service the account. In most cases, an individual entrepreneur has the following expectations from a bank:

• Low service rates. Ideally, 500 rubles per month, and in months when there is no movement of funds in the account - completely free.
• Low commission for cash withdrawals. Ideally, completely absent, or at least up to 1.5% - 2%.
• Convenience of receiving money from your account. To go to a cash register near your home to get cash.
• Reliability of the bank and convenience of service. Including a good, functional online bank.

INTRO AND LYRICS

It was in this way, using these criteria, that I looked for my first bank for my individual entrepreneur at the end of 2012. Do not underestimate the importance of the fourth point, by the way. So, 3 years ago, having just organized an individual entrepreneur, having monitored the offers of most banks and many reviews, I had a question: choose Bank24 or MosOblBank for an individual account, in the second at that moment I also had a deposit as an individual. All sorts of Alfa banks, not to mention Sberbanks and other VTB, gave restrictive conditions on tariffs for servicing individual entrepreneurs; Tinkoff, by the way, was an individual entrepreneur in those days, and even in 2014, when I changed banks, I also categorically did not want to serve. I’m afraid to lie, but account maintenance back then cost something like 3-4 thousand rubles a month! So, choosing between Bank24 and Mosoblbank 3 years ago, the situation was something like this:

• Bank24 offered a slightly more functional and convenient Internet bank (in MosOblBank in general check books I had to use it)
• Bank24 offered significantly lower fees for cash withdrawals and account maintenance
• Bank24 on specialized forums had not the most pleasant reviews on service and maintenance, including such that “the bank’s audience is all kinds of fake people, including homeless people, and the bank’s reputation is like that of a money laundering point.”

Honestly, all my activities as an individual entrepreneur are white and fluffy. I'm one of those people who prefers to pay taxes and sleep peacefully. For this reason, I chose MosOblBank. And I was right. Since Bank24 subsequently lost its license, and the individual entrepreneur’s accounts and the money stored on them, if I’m not mistaken, are, in the third place, claiming compensation for bankruptcy and the sale of the bank’s property. In other words, there are no private deposits here, the state does not insure anything, and if the bank is closed, you can forget about the money that was in the account with a very high probability.

By the way, I highly recommend the text from my LiveJournal: “Opening a bank account for individual entrepreneurs in MosOblBank. Why it’s worth it and why it’s not worth it! " - dated November 2012. Tariffs and conditions, of course, are no longer relevant, but how to deal with the rudeness of branch managers there is a very interesting story described, on personal experience. Then the bank’s security service called, apologized, and promised to punish the manager (because the auntie was freaking out), but still. Read it, it's informative, especially for beginners!

However, over time, problems awaited MosOblBank, although this bank was not deprived of its license, but was sanitized, that is, it was left to live by connecting another bank. But during the reorganization, the conditions for the activity of an individual entrepreneur’s active current account became uninteresting, and I selected another bank. Tinkoff was still quite expensive at that time (although I already had a debit card from this bank, and I was happy with everything), and my choice fell on Avangard. Because it’s not very far from home, and according to the tariffs everything was good.

Everything was fine at Avangard, except for Internet Banking. The interface “hello, the beginning of the two thousandth” (to this day, by the way), all invoice signing operations are done through Java, which the Chrome browser has not supported for a long time, about mobile bank I’m generally silent. Plus, in 2015, account servicing became 2 times more expensive (900 rubles instead of 450 rubles), in general, there were no problems with the bank as such, everything works well, but I wanted a little comfort and convenience for my individual entrepreneur. And then I noticed that since December 2015, Tinkoff Bank changed its tariffs for small businesses, and servicing individual entrepreneurs suddenly became very tasty and interesting.

WHY I CHOOSE BANK TINKOFF FOR IP

There were several reasons for choosing Tinkoff Bank to transfer my individual entrepreneur’s account:

• I am an active and old client of this bank. There is also a debit card (on which the money withdrawn through Avangard was always deposited in the nearest Euroset) and a credit card. I wrote about the advantages of Tinkoff Bank for individuals in a separate, very detailed article:. And when I found out about the new tariffs for individual entrepreneurs, I naturally became interested. By the way, one of my friends who recently started an individual entrepreneur told me about the new tariffs.
• Service tariffs. There are two: for 490 rubles per month and 990 rubles, we’ll look at the difference later.
• Free Internet banking, with an up-to-date interface. 24/7 support with a personal manager (included in the cost of service). Well, the support service of Tinkoff Bank is simply a standard in Russia.
• Ease of maintenance. There is no need to travel to bank branches; all transactions are carried out via the Internet or by telephone. If necessary, the bank sends a courier.
• Cash withdrawal fees. Below, again, we will consider both tariffs, but the key feature: up to 400 thousand rubles per month can be withdrawn to a personal Tinkoff Black card (regular debit card) without any commission at all! That is, for free. This amount is enough for the vast majority of individual entrepreneurs.
• Convenient withdrawal of funds. There is no need to go to a bank branch somewhere, order money, use scratch cards, etc. Pressed a couple of buttons - you have the money debit card!
• Potential integration with the online accounting service Kontur Elba, which I use and which does everything for me, including sending reports to inspections. By the way, whoever needs one of these will give you 3 months using this link free service. A referral, but from the heart. In Avangard, the Internet bank is extremely outdated, so once a quarter, for the next taxes, I had to manually enter all my cash flows according to the account. It's extremely tiring, to be honest. And here comes direct integration, where all my operations will be automatically exported to Elba. Comfortable!
• This doesn’t seem to happen anywhere: from 6% to 8% per annum - charges on the balance in your bank account! That is, if you keep a certain reserve amount in your account constantly, you will receive 6-8% per annum on it, with monthly payment interest on the account. In other banks, your money is still there.
• Tinkoff has proven itself to be reliable large bank. Although, in any case, I am not going to store large sums in the account, almost all incoming income will be immediately withdrawn to a bank card (but funds on an individual’s debit card are already insured by the state, like deposits).

In general, there were enough arguments to leave Avangard Bank and move to Tinkoff with your own individual entrepreneur. Next, we study the tariffs and fill out an application.

RATES FOR IP AND LLC FROM TINKOFF BANK

Tariffs, as well as the benefits of a current account for individual entrepreneurs, are described on the Tinkoff Bank website at this link. There are 2 tariffs in total. I recommend downloading Full description and compare the options for each of them specifically for your needs, I will briefly describe the differences that are important to me. So:

• There are two tariffs: Simple and Advanced.
• Both plans come with 2 free trial months of service. For tariff Simple — free term can be up to 6 months if you have a new individual entrepreneur who is no more than 6 months old.
• Tariff account maintenance fee Simple — 490 rubles per month, Advanced — 990 rubles per month. In the tariff Simple, if there is no cash flow for the month (there are no incoming or outgoing payments to the account), the service fee is not charged. Those. We sat there for a month and didn’t receive or spend any money—we don’t pay the bank anything for that month. Comfortable. In the tariff Advanced— there is no such option, you need to pay every month, even if there is no movement of funds in the account.
• Payment processing. In the tariff Simple The first 3 payments are processed free of charge, starting from the fourth (without resetting the counter every month) - payment is 49 rubles per payment. In the tariff Advanced- the first 10 payments are free, and starting from the 11th - 29 rubles for each payment, you can activate the option (only for Advanced) of unlimited payments for another 990 rubles per month - then make and accept at least hundreds of payments, at least thousands. For many individual entrepreneurs who do not conduct active commercial activities and are registered in order to receive legal fees for their services, the optimal tariff in this regard will be Simple. If the activities of your individual entrepreneur involve a lot of payments, it makes sense to think about the tariff Advanced.
• Commissions for money transfers. Intra-bank transfers, as well as payment of taxes in both tariffs - for free.
• Cash withdrawal. The very point for which most individual entrepreneurs organize. Everything is interesting here.
  In the tariff Simple, if you have a Tinkoff debit card, receive up to 150,000 rubles per month You can use the card without any commissions at all, and also 250 000 rubles can be sent without commission to a Tinkoff credit card if you actively use it.. And then, if the amount to be withdrawn is more than a total of 400,000 rubles per month (150 for a debit card and 250 for a credit card), or if you really don’t want to have a Tinkoff debit card , the following tariffs apply (that is, for Tinkoff Black owners from 150,001 rubles per month, for those who do not have a card - from the first ruble). Up to 400,000 rubles per month (or from 150,000 to 550,000 rubles for owners of Tinkoff debit Black cards) commission for withdrawal of funds will be 1.5% (minimum 99r); from 400,000 to 2,000,000 rubles per month(and from 550,000 to 2,150,000 for Tinkoff debit card holders) - the commission will be 5.0% (minimum 99r); and if you earn money and withdraw from your account more than 2 million rubles per month- take me to work for you, the commission will be already 10% (minimum 99r). It’s also worth understanding that transferring money from your current account for an individual entrepreneur to an account in another bank (except for a Tinkoff debit card) is also a transfer with a commission.
  With tariff Advanced everything is more complicated and cunning. Up to 100,000 rubles per month can be withdrawn from an individual entrepreneur's current account no commission both to an account in any bank, and using your corporate bank card, which is included with the account (you can withdraw money without commission at any ATM of any bank). Having a Tinkoff debit card does not affect anything here. But when withdrawing money in an amount of more than 100 thousand rubles, commissions similar to the Simple tariff are included. Those. up to 400,000 rubles (not counting 100,000, which we withdraw for free) - commission 1.5% (minimum 79 rubles), from 400,000 to 2,000,000 - commission 5% (minimum 79 rubles), over 2,000,000 rubles - commission 10% (minimum 79 rubles ).
  As a result, the tariff Simple much more profitable for individual entrepreneurs with an income of no more than 150,000 rubles per month, provided that they use a Tinkoff debit card (and not using it is very stupid, because it is very profitable), or 400,000 rubles if you actively use credit card. Rate Advanced more profitable for those who fundamentally do not want to use a Tinkoff debit bank card and have an income of up to 100,000 rubles per month. Otherwise you will have to pay commissions. Although a 1.5% commission for withdrawing funds up to 400,000 rubles per month is a very low commission in general. When withdrawing more than 400 thousand, the commission of 5% is already quite large. Many banks give an average commission of 2-3% for amounts up to a million rubles.
• Depositing cash into the account. If your individual entrepreneur is actively involved in paying orders and bills, sometimes you may need to deposit funds into your account yourself. I’ll say right away: incoming money from legal entities (your counterparties, partners) is free and without commissions in both tariffs. For most individual entrepreneurs, you don’t have to read any further. Independent deposit of money into the account in the tariff Simple costs 299 rubles for any amount, and in the tariff Advanced- the first 100,000 rubles per month are credited free of charge, and then - 1.0% from the deposit amount, not less than 99 rubles. Or for the tariff Advanced You can buy a subscription for unlimited top-ups for 1990 rubles per month.
• Additional free options. Both tariffs include the issuance of a Corporate bank card for your account (in Simple - 1 card, in Advanced - 2 cards for free), allocation of an account for replenishing cash, as well as the right to sign payments (electronic signature). And also free access to online banking and mobile application. The SMS-info function also works free of charge, with which you can confirm payments, for example. And here SMS bank, with all notifications, is free only for the first 2 months, and then on both tariffs it will cost 99r per month. Take this point into account. You also get a personal manager assigned to your individual entrepreneur for free, with the possibility of consultations 24/7. That is, around the clock and every day. At least at 2 o'clock in the morning on January 1st. This is very cool! By the way, change tariff maybe once a month for free! And it's very convenient in reporting periods when you need different certificates...
• Obtaining information. Sometimes various account statements and other certificates are required. For tariff Simple, obtaining most certificates electronically will cost 290 rubles per request 990 rubles. In the tariff Advanced— receipt of most certificates in electronic form will be free, and receiving certificates in paper form (or non-standard certificates in electronic form) - 590 rubles.
• Bonuses! At the beginning of the article, I said that the bank will accrue income on the balance of funds in your account. In the tariff Downtime is 6% per annum, in the tariff Advanced - up to 8% per annum! But there are conditions here too. Interest is accrued only if there are transactions initiated by the client for the billing month. Those. there are movements of funds on the account (outgoing or replenishment by you personally) for the month - you will receive interest on the balance. There are no movements on the account - there will be no interest. But if there is movement, then the tariff Simple give you 6% per annum for the balance, regardless of the amount. And in the tariff Advanced— progressive bonus line, for a balance amount up to 100,000 rubles — no interest is accrued at all, for a balance amount from 100,000 to 300,000 rubles — 3% per annum will be charged; from 300 thousand to 1 million - 5% per annum, from 1 to 10 million - 8% per annum.

It is also worth noting that all monthly limits are provided specifically for a month. And if you have a limit left unspent from last month (for example, you withdrew less than 400,000 rubles in the Simple tariff from your account) - the limit does not carry over to the next month, it expires.

TOTAL ACCORDING TO TARIFFS FOR INDIVIDUAL INDEPENDENTS AT BANK TINKOFF

For most individual entrepreneurs, especially those focused only on receiving money (rewards for services rendered, for example), it is best suited tariff Simple. In it, account maintenance costs 490 rubles (or 580, if you forget to turn off SMS banking), up to 400,000 rubles can be withdrawn to a personal Tinkoff debit card without any commissions, for the same 490 rubles you can get an excellent online bank, a mobile bank for a smartphone, corporate card And electronic signature, 24/7 support. If there was no movement of funds on the account during the month, you do not pay anything.

If your activities as an individual entrepreneur involve obtaining many types of certificates, frequent deposits of cash on your own, and a large number of outgoing payments, it makes sense to think about it and carefully study the terms of the tariff Advanced.

And interest on the balance of money in the account will be accrued only if there is a movement of funds in the account; in the Simple tariff it is simply 6%, and in the Advanced tariff it is a progressive rate.

HOW TO OPEN AN ACCOUNT FOR AN INDIVIDUAL INDIVIDUAL IN TINKOFF BANK?

Everything is simple here. You fill out an application at the bank using this link: https://www.tinkoff.ru/business/ - the bank manager contacts you and explains everything to you in great detail, answers questions, and then sends you a form by email to fill out, as well as a list of documents, scans of which you need to send to the bank, and then, upon registration, show the originals.

The form to fill out is quite simple, there are no complex issues it's not in it. You will also need the following documents:

• Application form according to the bank form (will be sent by mail)
• Certificate OGRNIP
• TIN certificate
• Identity document of the individual entrepreneur (for example, passport of a citizen of the Russian Federation)
• Licenses (if available)
• SNILS (for digital signature)

Also, for existing individual entrepreneurs, you will need information (documents) about your financial situation (one or more documents are provided according to your choice from the list below):

• Annual (or interim) financial statements ( balance sheet or report on financial result) for the last reporting period
• Annual (or quarterly) tax return(for any tax) with or without marks from the tax authority on their acceptance with an attachment or a copy of a receipt for sending a registered letter with a description of the attachment (if sent by mail), or a copy of confirmation of sending on paper (if sent electronically
• Certificate of compliance by the taxpayer (payer of fees, tax agent) obligations to pay taxes, fees, penalties, fines issued tax authority(at the time of submission to the Bank, the date of registration of the certificate should not exceed 6 months)
• An extract from the book of income and expenses for the month (at the time of submission to the Bank, the date of execution of the extract from the book of income and expenses should not exceed 3 months)
• A patent for carrying out one of the types of entrepreneurial activity in respect of which a patent taxation system has been introduced by the law of a constituent entity of the Russian Federation
• Auditor's report on the annual report for the past year, which confirms the reliability of financial (accounting) statements and compliance with the maintenance procedure accounting legislation of the Russian Federation

If you have been operating as an individual entrepreneur for a long time, then extracts from the book of income and expenses (should be kept by your accounting department, for example, the Kontur.Elba service has such an option), as well as a report to the Federal Tax Service for the past year, should be quite enough. For new individual entrepreneurs, of course, such certificates will not be required.

The further process is simple. By contacting the manager, receiving the form, filling it out and sending it back by e-mail, along with scans of everyone necessary documents and reporting files, we wait 3-7 business days while the bank considers your application. And, if everything goes well, the bank will open an account for you and deliver all the necessary documents by courier (free of charge), who will arrange everything for you as expected, in any place convenient for you (at home, in the office, at work).

That's all! You can start using it! I hope the article will be useful to beginning entrepreneurs and not only them.

P.S: I registered my individual entrepreneur with the help of the company YURVISTA, everything went smoothly and clearly. I like it.

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Tinkoff Bank provides settlement and cash services for small and medium-sized businesses. According to the international magazine “The Banker”, it is the most profitable in Central and Eastern Europe in the 3rd quarter of 2017, which is why it is in demand among clients.

How to conclude an agreement for cash management services

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

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

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

• OGRIP;
• passports of individual entrepreneurs.

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

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

Registration of RKO

Tariff plans

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

Business owners have 3 tariff plans to choose from: simple, advanced and professional. Changing tariffs for cash settlement services at Tinkoff Bank is carried out through your personal account.

A simple tariff for cash settlement services in Tinkoff is ideal for individual entrepreneurs just starting their entrepreneurial activity. 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. 6% per annum is charged on the account balance.

Tariff "Advanced" also provides free settlement and cash services in the first 2 months. Subsequently, the subscription fee is 990 rubles. 8% per annum is charged on the cash balance.

Tariff "Professional" intended for legal entities and individual entrepreneurs making a large number of payments or transfers to debit cards. Its cost is 4990 rubles (there is no subscription fee 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

Advantages of cash settlement services at Tinkoff Bank

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

Tariffs for cash settlement services at Tinkoff Bank are market 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 of the Russian Federation serving legal entities (according to the analytical agency “Markswebb Rank & Repor”). Positive reviews from business owners about cash management services in Tinkoff only confirm the results of the study.

In this article we will look at the tariffs and conditions for opening a foreign currency account and passing foreign exchange control in Tinkoff Bank. You will learn how to open an account, activate currency control and read several reviews from bank clients.

Advantages of currency control at Tinkoff Bank

Among the services for business at 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 current accounts, the bank services accounts in:

• Euro.
• Dollars
• Pounds.

The bank does not request unnecessary documents from its clients - only the most necessary to pass currency control. For payments under contracts up to one thousand dollars, you will not need to collect any paperwork at all.

In any controversial or unclear situation, the personal manager is ready for the account owner. The specialist will not only help you fill out the documents, but will also give you the details and tell you about the specifics of tax reporting.

Official website of the bank

Rates

Users of the “Professional” tariff can activate the package “ Favorable currency" It is intended for entrepreneurs conducting active foreign economic activity.

After connecting the package, the following parameters change:

• Commission for commission foreign exchange transactions— 0.1% of the amount (instead of 0.15%).
• Currency control agent commission - 0.1% of the amount (instead of 0.15%).
• The package fee for one month is 9,990 rubles.
• The fee for the package for a year is 99,900 rubles.

More about tariffs

Currency management

Manage foreign currency account the entrepreneur can use an Internet browser or an application on a smartphone. The foreign currency account and transactions on it are reflected in the same window as the user’s ruble current account, accounting, loans, and so on.

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

How to open a foreign currency account at Tinkoff Bank

The online application for opening a foreign currency account consists of only one column - the number mobile phone. For existing bank clients, such an account is opened in one click. After clicking 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 be refused to open a foreign currency account. At any tariff, this procedure is carried out free of charge - a foreign currency account is opened in addition to the ruble one, and also connected additional function in Internet banking.

Open an account