Private entrepreneurs can use a checking account, but this is not necessary. It may be required for business activities. It is necessary to open a current account for an individual entrepreneur in a bank if there will be a large turnover of non-cash funds in work. Which bank is preferable to issue it will be described in the article.
Why is it needed?
It is necessary to open a current account for individual entrepreneurs in a bank for business development. This is especially important if the implementation is planned, the purchase of goods. By law, the entrepreneur is prohibited from paying or receiving for goods more than 100 thousand rubles under 1 contract.
Large businessmen also need cashless payments. If you open a checking account for an individual entrepreneur in a bank, this will allow you to work with large counterparties. Cash flow of more than 100 thousand rubles should go through the account. Settlement and cash procedures, remote servicing, and currency control are conducted with him.
How to open?
After opening a bank account, it must be indicated in the tax account and registered. If the organization is not notified in a timely manner, a fine may be imposed. Documents that the entrepreneur received must be transferred to the tax office. If necessary, it can be closed. This procedure is also not complicated.
Documents
To open a current account for an individual entrepreneur in a bank, the following documents are needed:
- passport;
- IP registration paper;
- an identification number;
- certificate of tax;
- special license;
- statements.
This is a standard list of documents, but additional papers may be required. It all depends on the requirements of the institution.
Where to go
Which bank to open a current account for individual entrepreneurs? Now several institutions offer such services. Each bank has its own tariffs. The price can be in the range of 700-2500 rubles. The cost may be reduced for the implementation of promotional activities.
To choose a reliable institution, you need to read customer reviews. Which bank to open a current account for individual entrepreneurs? It is important to consider some criteria. The organization must be reliable, take small commissions and provide many additional services.
Sberbank
You can contact Sberbank. Only for this it is necessary to fulfill 3 conditions: online registration, receiving a number, as well as submitting documents. A month is provided for this. Before working with the organization, you should familiarize yourself with the specifics of the services, get feedback.
The service costs about 2 thousand rubles. Customers are offered a convenient online banking, a small commission for the provision and receipt of funds. There is a notification system, transfers are made in 20/7 mode. To open a bank account for an individual entrepreneur, the following documents are required:
- passport;
- certificate of IP;
- document with tax;
- statement of IP;
- samples of signatures of authorized persons and stamps;
- licenses.
"Alfa Bank"
You can contact Alfa-Bank. Open a checking account for an IP in 10 minutes. Rates are different, so you need to choose the most suitable. The commission for receiving funds is different. The cost of service is in the range of 1090-9900 rubles per month. There is a promotion for payment. With a one-time payment for 9 months there will be a 25% discount. The remaining 3 months are free of charge.
Cash is withdrawn at all ATMs. Customers can appreciate the excellent service and low monthly fee. Promotions are held regularly. Clients are offered SMS notifications, a free plastic card. A standard list of documents is required.
Vanguard
Similar services are provided by Avangard Bank. Open a current account for individual entrepreneurs is obtained on acceptable terms. It is important to familiarize yourself with the tariffs, which indicate that with an online opening, the price of the service will be 1000 rubles, and with offline - 3000 rubles. Maintenance costs 900 rubles per month.
Avangard does not have package offers. There is a single tariff for customers. It involves the connection of Internet banking, a salary project, a lot of intra-bank payments. The cost of external payments is 30 rubles per 1 operation. To use an account through an ATM, you need to connect CashCard.
"Opening"
Entrepreneurs can contact the Bank "Discovery". Opening a current account for an individual entrepreneur costs 1300 rubles, maintenance will cost 750 rubles if remote maintenance is provided. If it is not, then the price rises to 1700 rubles.
The cost of one payment in online banking is 27-30 rubles. A cache card is issued for 200 rubles, and its maintenance costs 1,500 rubles per year. You can issue an account with an application on the site. When filling it out, put a tick in the "Reservation account" section. After sending the e-mail will receive the account number, which should be indicated in the documentation. To complete the cooperation, you must contact the bank with the basic documents.
"Bank of Moscow"
One of the largest institutions is considered to be the Bank of Moscow. It is not difficult to open a current account for an individual entrepreneur. All non-cash transactions will be performed safely. The bank must provide a standard list of documents. Of the additional securities, a lease of premises, the right to property, and documentation of trusted people may be required.
Opening and closing an account is free of charge. There are no fees for crediting money and issuing statements. A certificate of balances costs 150 rubles. The remaining certificates - 25 rubles. No interest is accrued on the balance.
Tinkoff
Judging by the reviews, the advantages of working with a bank are as follows:
- quick opening, filing documents online;
- price for service - from 490 rubles;
- help of a personal manager;
- SMS notifications;
- the convenience of online banking.
With the provision of basic documents, the service is issued quickly. It is convenient for customers to track the movement of the account in the "My Account".
"VTB 24"
By contacting any branch of VTB 24, the entrepreneur will quickly issue an account for convenient transactions. The amount at the rate is 1,200-12,200 rubles per month. In Russia there is a large network of branches and ATMs.
The advantages include urgency of registration, convenient Internet banking, payroll project. There is an SMS alert. Deposits are subject to compulsory insurance.
Pros and cons
Although issuing an account is optional, it has many advantages:
- settlements with other individual entrepreneurs for amounts from 100 thousand rubles;
- transparency of operations;
- safety of funds;
- No need to install CCP.
Of the shortcomings, customers highlight the need to visit the bank and additional maintenance costs. But still citizens are provided with:
- cash settlement procedures;
- foreign economic services;
- remote service;
- plastic card for replenishment and cash withdrawal.
FTS Notification
No later than 5 working days, the entrepreneur must notify the Federal Tax Service about the opening of a current account. To do this, you should find and fill out form No. -09-1 (2 copies) on the Internet. The document on 2 sheets contains information on which information is entered IP and open account.
When the document is signed by the entrepreneur, you must put your own stamp. Then it is transferred to the Federal Tax Service. One copy is sent back with the mark โAcceptedโ. It should not be thrown away.
Pension Fund Alert
Within 7 days, the Pension Fund must be notified of the design of a current account, as entrepreneurs pay insurance premiums. A sample message should be found and downloaded from the PF website. This document will convey important information.
It must be remembered that if you do not provide the necessary data in a timely manner to the PF or the Federal Tax Service, then the entrepreneur will have to pay a fine of 5 thousand rubles. If you still have to hire employees, and the entrepreneur is registered with the Social Insurance Fund, then this body must be notified.
Account closure
Often there are times when you need to close an account. To do this, write an application and submit it to the bank. The account will be closed, and the remaining funds will be transferred to those details that are indicated in the application. Notify the Federal Tax Service, PF and FSS optional.
Thus, a checking account provides many advantages. If serious business is planned, then it must be opened. This will simplify the whole work, as it is convenient for everyone.