Although the law allows business activities without a current account, many Russians still decide to activate this service. There are several reasons for this. Cash payment in our country is allowed only up to 100 thousand rubles. If the organization has an account, then this increases confidence in it. What is the best place to turn to open it? This will help the rating of banks for entrepreneurs. Each institution offers its own terms of cooperation.
Why do I need an account for IE?
With an open current account, there is a right to several operations:
- execution of civil documents;
- large-scale operations;
- the ability to send funds to legal entities;
- conclusion of contracts with employees and their payment.
An account is required if the entrepreneur takes at least 100 thousand rubles. In its absence, you need to conclude a contract for each delivery. As a result, it will be more expensive and longer in time. Moreover, with the help of the bank, the conclusion of documents is more convenient. The organization provides a personal manager who at any time will answer questions about the use of the account.
Account opening
The procedure does not require much time. You just need to contact the bank. During this process, you must follow all the rules, as it is legally significant.
Whether or not to open an account, all entrepreneurs decide on their own. The law of the Russian Federation allows an individual to establish an IP without it. But then many procedures will be inaccessible, as large children and other children function only by bank transfer.
Bank selection
The rating of banks for IP services will allow you to choose a profitable program. Experts advise to focus on:
- convenience;
- profitability;
- high customer focus.
Convenience involves the use of modern technology in work. This means that the credit institution makes payments through verified channels. Often, to speed up the process, large settlement agreements are concluded between large companies. Customers are invited to use online programs to manage their accounts. You do not need to visit the bank office.
The benefit involves the collection of small fees for servicing the account. Often banks charge for:
- account opening;
- his knowledge;
- connection to services for remote maintenance;
- online service;
- withdrawal of funds.
Some banks set fees for transferring money. Before opening an account, it is important to familiarize yourself with the tariffs by comparing them.
Features
The best banks are customer oriented. They are doing everything so that the work of IP is convenient. Customer focus includes:
- availability of a telephone for consultations;
- speed of service;
- positive feedback about the company;
- the presence of branches;
- rarity of software failures;
- extended operating day;
- high-quality encryption channels for security.
In Russia, many institutions are ready to work with entrepreneurs. The rating of banks for individual entrepreneurs is based on customer benefits. Having become familiar with all the programs, it will turn out to choose the appropriate option.
Tinkoff Bank
This institution starts rating banks for individual entrepreneurs. The following benefits are provided to customers:
- free account opening;
- 2 months of free maintenance;
- Novice IPs are invited to issue a “Simple” tariff, according to which half a year of free maintenance is valid;
- free payment of up to 10 payments;
- if there are no turns, you do not need to pay a commission;
- integration in online bookkeeping "My business" and "Contour".
Many believe that Tinkoff Bank is the most suitable for business, as it charges interest on the balance, which may be equal to 7%. Services are available online - reporting to the Federal Tax Service Inspectorate, registration of insurance and payroll cards. Payments are available until 21:00. Tinkoff Bank performs all operations via the Internet, which saves time.
Bank "Point" (group "Discovery")
The organization continues the rating of banks for individual entrepreneurs. It is also beneficial for the development of its activities. For the first 3 months of service, a discount of 70% is given. The balance is charged at 7% per annum.
Opening an account is very simple. Specialists come to the office, conclude an agreement, set up a client bank for activities via the Internet. Opening is free. The benefits include a long trading day. Internal transfers are carried out during the day, and external transfers are from 0:00 to 21:00 Moscow time.
Modulbank
The rating of banks for opening an IP includes Modulbank. The invoice is free of charge. This is done in 1 day. If desired, you can order the arrival of a specialist in the office, where documents will be executed. The benefits of Modulbank include:
- use of details 5 minutes after opening an account;
- free service for using an online account;
- customer support through online chat, social networks;
- there are mobile applications;
- the trading day lasts from 9 o'clock to 23;
- synchronization with accounting systems.
Confirmed payments by cloud signature and SMS.
UBRD
The rating of banks for opening an IP settlement account includes the Ural Bank for Reconstruction and Development. You only need to visit the office. A day later, the client will have the details. You can fill out an application through the site. Employees call and agree on a deal at a convenient time. Then the account opens in 1 hour.
UBRD offers tariffs for which there is no account maintenance fee. You only need to pay for the operations performed. Free internet banking is provided. If the Light tariff is connected, you will not have to pay for using the account either. To improve security, you can activate the service of informing about the actions taken. Then it will be convenient to control the movement of the account, because the reports will be received by e-mail.
Sberbank
The institution is also included in the rating of banks for individual entrepreneurs. The current account is issued on favorable terms. Sberbank has a Business Environment project designed to support entrepreneurs. You can open an account with him. Within 1 day, a service contract is drawn up. Details will be provided after 5 minutes.
Opening an account is free. There is a choice of one of 50 currencies. The advantage is a long trading day. Payments are made from 6 to 23 hours seven days a week.
Promsvyazbank
For IP, it has favorable tariffs. An account is opened for free, you can use mobile and Internet banking. The advantages of such cooperation include:
- round-the-clock and online payment execution;
- quick and free counterparty verification;
- synchronization with accountants in 1s and “My business”.
With this account you can save time and money.
Vanguard
To open an account you need to visit the office or place an application on the site. In the second case, the individual entrepreneur will have an account number, which will be immediately used in work. "Vanguard" performs the following actions around the clock and without days off:
- Account verification.
- The accrual of money.
- Cash receipt and deposit.
- Transfer salary to cards.
Each entrepreneur must decide for himself which account will be the most profitable for him. The rating of banks for entrepreneurs serves only to help in this matter. It is desirable that the organization’s offices are not far away, since many procedures will require a personal visit.
It is also important that you have professional phone support. The listed institutions offer favorable conditions, and therefore cooperation with them will be effective.