Alfa-Bank vs Bank Tochka. What is the best way to withdraw funds from Upwork (oDesk)?

Question

Upwork

I am trying to understand which bank is still better in terms of the set of parameters for the legal withdrawal of funds from Upwork.
I googled everything I could, usually one or two factors are taken into account in the discussion, rarely all together.
At Alpha
, the entire document flow related to the conduct of foreign economic activity is fully automated
- according to one version, for passing through currency control, a translated public offer and screenshots are supposedly enough (what about the point?), According to another version, recently they began to demand 100,500 pieces of paper for each sneeze
- allegedly the most high-tech bank in the country (according to ratings, although WU online transfers seem to be only at the forefront)
- the minimum package is $150 per year, what does it include regarding work with Upwork and what additional fees will there be on the site
?
transactions (0.3% of the proceeds). I quote "If nothing is clear at all and you don't want to figure it out, transfer the cases to a personal assistant."
* Prepare all the documents for you
* Quickly make a foreign exchange payment
* Accept the primary document in any language and translate it yourself
* Conduct an examination of the transaction even before its implementation
* Remind you when and what you need to provide to the bank
* Make a transaction passport in two hours
* Issue currency certificates
* Protects from fines
- access to money
* or 3.5% for someone else's ATM
* or $ 30 for each sending to a savings bank in foreign currency
* or 3500 rubles per month for maintaining a ruble account,
(i.e. if income is more than $ 1200 per month and withdraw money weekly - for any deal from $ 500 to several thousand USD per year)
* there is an option with the transfer of currency to the bank of the Otkritie group for 0.15% and the cost of servicing at the bank (for example, Rocketback - 1.5% for someone else's ATM), but I have not yet calculated such schemes.
- I quote "financial monitoring and the security service no longer play against you"
* "All banks check companies before opening an account. But only we explain the reason for the refusal and reconsider our decisions. You can influence this."
* "We will never block your account without explaining the reason. If this happens, we will refund the cost of monthly service at the Tochka. We will warn you in advance about tax blocking, teach you how to do business in the white and not raise questions from regulatory authorities."
- According to the description "The longest transaction day in Russia: payments within the bank go around the clock, and external payments - from 0:00 to 20:50 Moscow time" (in alpha from 8 to 19:30)
- they offer 8% per annum on the balance on the settlement account monthly (with a balance of 50,001 - 400,000 ₽), which could reduce costs if it were not for rubles, for dollars - deposit rates of 2.3% per year, is there any interest on the dollar balance - it is not clear at all
Comparing the descriptions, I personally get the impression that Tochka is an expensive restaurant. Alpha McDonald's. I would like to compare the impressions of Upworkers (primarily in terms of the efforts required to pass currency control) who have real (preferably fresh) experience with these banks.
Can someone confirm / refute / supplement one of the points?
Are there people who have worked with both banks and can compare exactly the experience?
A separate issue is the purity of transactions. There is a feeling that the friendly financial monitoring of the bank is akin to the work of an individual entrepreneur without primary documentation. Someone will say that until you start to close the IP, no one gets to the bottom of the lack of primary documentation, and if they do, the fine is not so big. Financial monitoring of a bank can be unpretentious, but if the papers end up on the table at the federal financial monitoring, will screenshots and a public offer be enough for them? Or will the situation be the same as when closing an IP without a primary?

Answer 1

For a similar task (getting money through swift from America), I chose the Point. Before that, I was at VTB24, but after the new sanctions, I had to change it.
I asked Alfa what documents you need, for example he sent his one-sided invoice as he did in VTB24, and they "need an agreement with the signature of your clients" ... Uh-huh ... now ... In general, I see a kind of dinosaur halo they have ...
In the morning I called Tochka, in the evening a guy arrived, 40 minutes of registration and the account was already on hand. The next day I received the transfer, uploaded the invoice, called, issued it.
This is without the "personal assistant" service. I think you also work without a transaction passport, so you don't need an assistant.
I am not much shocked by the fact that everything is too fast and convenient, the withdrawal to the personal IP account is 500 thousand. In terms of reliability, this is Otkritie Bank, in my opinion it is in the top 5.

Answer 2

Alfa has an ugly bank client - Alfa Link. Yes, you don’t have to go anywhere, there is a personal manager, all currency transactions can be performed without leaving your home. But the way it is implemented defies any characterization - this is the bottom. For me, Alfa Link is in second place after Upwork in terms of the quality of execution and the number of glitches. I am waiting for Tinkoff to make foreign currency accounts for business and migrate there.

Answer 3

Take a look at the bank module, they also have everything cool with deposits and foreign currency accounts.
At the same time, there is a tariff where there is no monthly fee.

Answer 4

When I talked with alpha, they told me that they can only open ruble + dollar, it came out about 3k / month. Somehow I thought dearly and went to the forefront.
Although the option with a dot seemed the most ideal, there are fees for withdrawing funds over 100k at the minimum rate and 200k at the average. Large.