Open a current account for individual entrepreneurs: which bank is better

The content of the article

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• Current account for individual entrepreneurs
• How to open a current account for individual entrepreneurs
• Documents
• Where to open an IP bank account
• Bank for IP
• Tinkoff
• Sberbank
• Alfa Bank
• VTB 24
• Russian Agricultural Bank
• Raiffeisenbank

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A private entrepreneur has the opportunity to open a special account – settlement. However, he is not obliged to do this. Such actions can only be dictated by a real commercial need. Opening an account for entrepreneurs is a mandatory procedure for entrepreneurs with only a large turnover of non-cash funds.

Current account for individual entrepreneurs

Opening an account for entrepreneurs is useful for business development. This is especially important when a businessman plans to sell / purchase goods. According to the law, an entrepreneur cannot pay or receive more than 100 thousand rubles for a product under one contract. Large business, where the cash flow is substantial, and non-cash payment is made at least once a month, do not shy away from the banking procedure. Opening r / s will increase the chances of working with the largest contractors. Cash flow in excess of this amount must go through the official r / s assigned to IP.

How to open a current account for individual entrepreneurs

The bank account immediately after opening must be indicated in the tax account and registered. Not informed on time, this organization has the right to assign a certain amount of a fine. Special documents received by the entrepreneur are transferred to the tax. How to open a bank account for individual entrepreneurs by providing the correct documents, read below.

Documents

Some documents for opening an IP account have differences. There is a list for financial institutions, although the standards are the same, and the main documents are similar in structure. Depending on which bank to open an account with for an individual entrepreneur, the list may differ. A common list of documents submitted consists of:

• passports
• certificate of state registration of IE (that is, receipt of the OGRNIP);
• individual identification number;
• tax registration certificates;
• specialized license (if applicable);
• various applications, other documents specific to a particular banking institution.

Where to open an IP bank account

Opening a bank account for an individual entrepreneur consists of a number of procedures. For example, tariffs. Such a service is by no means free. Any bank sets special rates for its own services and operations. This also includes the commission. To choose a reliable bank, you can see the reviews of customers of the organization. Favorable settlement account for individual entrepreneurs differs:

• reliability of service;
• low commission;
• a large number of additional services.

Bank for IP

The problem of where to open an account is always relevant for a novice entrepreneur. At the moment, there are many banking institutions. It can be difficult to choose one bank for an individual account. Monitoring of Internet resources will help with the goal of obtaining complete information, choosing the best applicant. You should familiarize yourself with the advantages and features of all banks, and then conduct an analysis, comparison, and only then open a bank account for individual entrepreneurs.

Tinkoff

The benefits for entrepreneurs who decide to open a current account for an individual entrepreneur in Tinkoff are:

• quick and easy opening, the ability to submit documents online;
• service cost – from 490 p .;
• the personal manager is in charge;
• SMS action notifications;
• convenient online banking, which allows you to track the flow of funds and carry out other significant procedures;

Required documents:

• certificate of registration of IP (OGRNIP);
• copy of the passport;
• special application for the institution;
• an identification number;
• document of stay with the tax regulatory authority;
• state extract on obtaining IP status;
• document on providing a personal code from Rosstat;
• special round stamp (if any).

Tinkoff Bank will really quickly open an account and carry out all the necessary procedures for the entrepreneur. Moreover, the cost of processing one payment is not too high. The good thing is that the funds accounting system is completely transferred to the Internet level. All movements on the account will be visible in your account. It’s very convenient to track the time of payment and the exact amount.

Sberbank

To create a current account for an individual entrepreneur in Sberbank, you must fulfill two prerequisites. This is online registration, obtaining a special number, and then submitting documents (this takes as long as 30 days). Before starting cooperation with the bank, it is advisable to first familiarize yourself with the specifics of the services, find out reviews of regular customers.

Features of working with Sberbank:

• price for the service – about 2000 r .;
• stable and comfortable online banking;
• a relatively small commission for the issuance and reception of cash;
• there are a large number of branches;
• there is a notification system;
• transfers are made in 20/7 mode.

Documents required during registration:

• passport;
• certificate of registration of IP (OGRNIP);
• document of stay with the tax regulatory authority;
• state extract on obtaining IP status;
• samples of signatures of authorized persons and stamps;
• licenses (if necessary by type of activity).

Alfa Bank

Alfa-Bank promises to open a current account for individual entrepreneurs in just 10 minutes. Rates are diverse, so you can choose the most acceptable. Cash withdrawal fees vary. Service prices – from 1090 to 9900 rubles / month. There is a promotion for payment. In the case of a one-time payment for 9 months, a discount of 25% is immediately applicable. According to the terms of the discount, the remaining 3 months are free of charge..

Features of the provision of services:

• cash can always be withdrawn at any ATM;
• the maximum time for making a payment is until 20:30, and if the recipient is a client of Alfa Bank, then until 23:30;
• high level of customer service;
• a relatively modest level of monthly fee;
• stock availability;
• there is an All Inclusive tariff;
• the commission for receiving cash is small, it is not present in all tariff plans;
• convenient online banking;
• SMS, email notifications;
• free plastic card;
• good reviews from bank customers.

Documents submitted:

• passport;
• certificate of registration of IP (OGRNIP);
• identification number (TIN);
• licenses (if any);
• document of stay with the tax regulatory authority;
• samples of personal signatures, special stamps;
• special account statement application.

VTB 24

A current account for individual entrepreneurs at VTB 24 can be opened by contacting any of the existing branches. For customers who are unable to wait, the bank provides an urgent (about 4 hours) opening of the bank, which is convenient for transactions. The amount for the tariff is from 1200 to 12200 p. per month. An extensive network of branches and ATMs across the country is presented..

Features of working with the bank:

• urgent clearance;
• high-quality internet banking;
• the availability of a convenient salary project;
• the presence of the tariff “All inclusive”;
• the presence of SMS alerts;
• compulsory insurance of all deposits.

Documents filed when opening an account:

• special application for the establishment of an account;
• passport;
• bank agreement for the account;
• application form (completed);
• certificate of registration of IP (OGRNIP);
• state extract on obtaining IP status;
• document of stay with the tax regulatory authority;
• samples of signatures of authorized persons and stamps;
• licenses (if any);
• confirmation of permission to use funds by individuals (partners).

Russian Agricultural Bank

On the Internet resource of the bank there is an opportunity to immediately submit an online application. The current account for an individual entrepreneur at the Agricultural Bank can be maintained through the Internet bank. There is a single tariff, where all services are detailed, their prices. According to customer reviews, the Internet banking service is relevant and very convenient because all account movements are viewed from the home or office.

Bank Features:

• low cost of services;
• availability of online banking;
• there is a salary project;
• there is the possibility of obtaining a bank card;

Documents filed during execution:

• special application for the establishment of an account;
• passport;
• document of stay with the tax regulatory authority;
• certificate of registration of IP (OGRNIP);
• state extract on obtaining IP status;
• document on providing a personal code from Rosstat;
• samples of signatures of authorized persons and stamps;

Raiffeisenbank

A bank account for an individual entrepreneur at Raiffeisenbank is easy to open. The cost of tariffs starts from 990 rubles. per month. Maximum – 7500 rubles. The site has the opportunity to familiarize yourself with:

1. with the contract;
2. working conditions;
3. terms of service;
4. the procedure for issuing, servicing debit cards, etc..

Bank Features:

• convenient site interface;
• availability of online banking;
• good customer reviews;
• not too expensive services;
• departure of the employee to the house (in Moscow and the region);
• work experience (20 years history);
• many ATMs and offices in many cities of the country.

Documents filed when opening an account:

• A completed application form;
• passport;
• special application for opening an account;
• bank agreement for the account;
• samples of signatures of authorized persons and stamps;
• certificate of registration of IP (OGRNIP);
• document on accounting with the tax regulatory authority;
• licenses (if any).

For convenient bookkeeping IP online use the service.