Despite the economic crisis, there are more and more opportunities to earn money recently. Many decide to leave their usual place of work and become an individual entrepreneur. However, in order to run a business profitably, you need to know all the nuances. It is definitely worth solving the question of where it is more profitable to open a current account, which is the best bank for private entrepreneurs. The following will describe the best financial institutions with which you can cooperate in matters of running your own business.
Modulbank
The work of this financial institution is specifically aimed at private entrepreneurs. Acquiring, accounting, salary projects - all these services can be obtained in one place. You can open a current account without difficulties and bureaucracy in just 10 minutes. In this case, you do not need to pay at the conclusion of the contract. Paid will be only additional services, such as a payment order, accounting. According to many customers, this is the best bank for individual entrepreneurs. Pleases with the convenient interface in the online application to your personal account. An entrepreneur can manage an account while on a business trip or on vacation.
Acquiring for IP is also relevant today. Which bank to choose? Modulbank can also help in this matter. The cost of connecting the simplest trading equipment will be 24 thousand rubles. For 30 thousand rubles, you can connect a wireless device to service cards. This is especially true for cafes and restaurants. Today, Internet acquiring is also relevant. It is impossible to do without those entrepreneurs who are planning to open their own online store. The cost of connecting a service in Modulbank is only 1000 rubles.
Modulbank also offers to purchase high-quality retail equipment - modular cash registers. This is a high-quality equipment, with the help of which even a novice entrepreneur can easily keep accounts. The cost of a fixed cash desk is 33 thousand rubles.
Customer reviews show that Modulbank offers really many opportunities for business owners. It is no coincidence that many do not have the question of which bank to choose for individual entrepreneurs. For this reason, the financial institution ranks first on the list.
"Point"
This bank also offers excellent rates for entrepreneurs. A financial institution does not take money for opening a current account. However, it is worth considering that a monthly fee of 950 rubles will have to be paid for services. The first 5 payment orders are carried out by economists free of charge. For each subsequent you will have to pay 50 rubles. Good reviews can be heard about the online point of the bank "Point", which is protected by a double password. To enter, it is not enough to enter a username and password. The site will ask for more numbers from the SMS message.
The financial institution also offers merchant acquiring for entrepreneurs. Which bank to choose? It all depends on the turnover. You will have to pay 2.5% of the amount that went through the terminal during the reporting month. After the client pays with a card, money is transferred to the entrepreneur’s bank account on the next business day.
Internet acquiring from the bank “Point costs a little more. You have to pay 3.5% of the turnover. Moreover, the purchase amount will be credited to the account only after two working days.
How to choose a bank for private entrepreneurs if several employees work at once? In this case, the Tochka bank is also excellent. A financial institution implements salary projects. Employees can receive financial rewards for their work on Rocketbank cards.
Tinkoff Bank
Which bank to choose for IP in Moscow? According to many entrepreneurs, this financial institution is most suitable. First of all, because it has enough branches. At any time, you can get advice from a qualified specialist, in addition, Tinkoff Bank offers favorable rates for doing business. As in previous cases, you will not have to pay for opening a current account. Moreover, there is no need to pay a monthly fee for the first 3 months either. In the future, the monthly cost of servicing the account will be 490 rubles.
A lot of good reviews can be heard about the work schedule of a financial institution. Payments are credited to the account regularly - without holidays and weekends, from 7:00 to 21:00. Only in rare cases are there exceptions. Those who download the free mobile account control application will get more opportunities. The program has built-in accounting, which greatly facilitates the reporting of tax. You can send a declaration directly from your personal account. It will remind you of the need to submit a report to the tax bank in a few days using SMS notification.
If the question arises, which bank is better to choose for individual entrepreneurs, if it is necessary to pay labor to the employees of the company, you can also pay attention to Tinkoff. A financial institution offers profitable salary projects. There is no commission for transferring money to employees. Plastic cards are also issued free of charge. Reviews show that you can withdraw money for free anywhere in the world.
"Alfa Bank"
Which bank to choose for individual entrepreneurs in Russia for those who are just planning to start their own business? It is worth paying attention to the tariff from Alfa Bank called Startup. A current account is opened for free; monthly you will have to pay 890 rubles for service. The plus is that you can create up to 5 free payment orders per month. Reviews show that this is quite enough for a novice entrepreneur.
Like other financial institutions, Alfa-Bank offers to use the service of a personal account. The downside is that you will have to pay 990 rubles one-time for connection. Along with this, Internet banking is characterized by increased reliability and ease of use. A private entrepreneur can enter his office from any browser. There is also an app for tablets and smartphones.
For new entrepreneurs, Alfa-Bank is also convenient because it offers to take advantage of free legal advice. There is an opportunity to get the help of a qualified specialist who will tell you how to open an account in a particular case, what documents to pay attention to.
Ural Bank for Reconstruction and Development
A financial institution offers profitable services for small and medium-sized businesses. Here you can also open an account for individual entrepreneurs. Which bank to choose? The decision should be made after evaluating the proposals of several organizations. For beginning businessmen, you should pay attention to the “Economy” tariff. When you open an account, you don’t have to pay for bank services, but the monthly subscription fee is 650 rubles. The cost of the payment order is 25 rubles.
Good reviews can be heard about the online banking of a financial institution. Data in your account is protected. Each private entrepreneur can manage the account remotely.
Many people choose the Ural Bank for Reconstruction and Development due to profitable acquiring. It offers both a trading option and a resource for online stores. At the same time, the client will have to pay only 1.8% of the turnover of funds passing through the terminal. If the equipment (trading terminal) is provided by a private entrepreneur, 1.7% will have to be paid for bank services.
Bank Avangard
Due to the low cost of services, this financial institution is popular with private entrepreneurs who operate in small towns. The downside is the fact that you will have to pay 1000 rubles for opening an account. Monthly subscription fee - 900 rubles. For each payment order, you will have to pay an additional 30 rubles. The financial institution also offers convenient online banking. SMS notifications on issues related to the operation of an account are sent to a client free of charge.
Avangard Bank offers simple and secure bank card payments. Which bank to choose for IP, if you plan to work via the Internet? The reviews show that in this case, cooperation with this financial institution may well be beneficial. Avangard Bank offers both classic trading and Internet acquiring. The cost of the service will depend on the turnover of funds. If over a month more than 300 thousand rubles pass through the terminal, you will have to pay a commission of 2.9%.
Favorable conditions for salary projects are also offered. There is an opportunity to get a targeted credit line for employees. Thus, the risks related to the performance of the company are significantly reduced.
Promsvyazbank
The financial institution offers a full range of services related to cash management services. Opening an account for an individual entrepreneur quickly enough takes place here. Which bank to choose? Promsvyazbank is quite suitable for small and medium-sized businesses. When concluding an agreement with a financial institution, you won’t have to pay anything. Monthly installment - 1050 rubles. The cost of the payment order is 45 rubles. High-quality Internet banking works, which allows you to track the movement of the account anywhere in the world.
In 2017, the bank introduced a new service. For customers who have just registered as private entrepreneurs, the financial institution offers to open an account for free and keep it for three months. Clients who conclude an agreement with the bank before December 31, 2017 will be able to take this opportunity.
Reviews show that profitable promotions are held at Promsvyazbank regularly. So, for example, everyone can get two months of accounting services for the price of one. In addition, it is possible to undergo one legal consultation for free. This is especially true for beginner businessmen.
Intesa Bank
The financial institution works with private entrepreneurs and legal entities. A whole range of cash settlement services is offered. The reviews show that for beginner businessmen, it is best to choose the My Business tariff plan, according to which you do not need to pay for opening an account. Moreover, the cost of maintenance per month will be 1700 rubles. You will have to pay much less for a payment order than in other banks - only 22 rubles.
Those who are wondering which bank to choose for an individual entrepreneur may well pay attention to Intesa financial institution. But for trade organizations this is not the most suitable option. There is no acquiring. Along with this, salary projects are offered on favorable terms. The wage transfer form for employees is completely safe. The confidentiality of the income of IP employees is fully preserved.
Raiffeisenbank
Business owners speak well of this financial institution. The bank offers a range of services for private entrepreneurs. These include: opening a current account, currency control, acquiring, collection of salary projects, etc. Here, as in many other financial institutions, opening an account for individual entrepreneurs will be free. Which bank to choose? The decision can be made after evaluating the proposed conditions. A private entrepreneur who opens an account with Raiffeisenbank will have to pay 990 rubles a month. The cost of one payment order is 25 rubles.
The financial institution is foreign, therefore it is trusted by businessmen. This is evidenced by numerous positive reviews.
Vesta Bank
This financial institution is not very popular, as they exist on the market for so long. Along with this, Vesta Bank has quite favorable conditions for business owners. As in other banks, you won’t have to pay for opening a current account, and the monthly fee will be only 300 rubles. A payment order will cost a little more than its competitors - 50 rubles.
In this financial institution, you can try to open a checking account for individual entrepreneurs. Which bank to choose for long-term cooperation? The entrepreneur himself will be able to answer this question after he has worked with several financial institutions.
Which bank to choose for IP?
Description of the 10 most popular banks will help you make the right choice. But a popular rating is not the only thing worth paying attention to. The reviews of experts show that it is also worth evaluating the financial rating of a particular institution, its loan portfolio, the existence of a concluded agreement with a deposit guarantee fund, etc.
Opening a current account is a serious undertaking. Which bank to choose for IP? It is better to choose the financial institution that is more likely to inspire confidence in the entrepreneur. The inner feeling will tell you who you can deal with, and which bank you don’t want to contact. Do not pay attention to the advice of acquaintances and colleagues, as well as choose an institution according to its proximity to the main office building.