Alpha vs Point for IP under upwork and startups for November 2017?

Question

Individual entrepreneur

For accounting, I plan to connect Elba, but choosing the right bank is more difficult.
So far the criteria are:

• Actual cost of service with all commissions
  
• Trouble-free work with the bank itself in the form of the absence of strange requirements and sudden freezing of accounts
  
• Simplicity of foreign economic activity
  
• Lack of geo-referencing. Those. you need high-quality RBS, the ability to work outside of roaming (something instead of SMS authentication) and, ideally, free / cheap cash withdrawals from a dollar card
  

Alpha attracts with reliability, especially considering the reorganization of Otkritie, but even on the "Start" tariff, working with currency and foreign economic activity is not quite cheap. Plus, as I understand it, if you still issue a dollar card for an individual, you will have to fork out separately for a package of services.
At Tochka, the tariff "For a start-up business" looks interesting, but everything is too fabulous. Service - 3500 rubles / year, of the commissions on the site, only 1% of the incoming payment is indicated. But I did not find a detailed description of the tariff. Maybe it's a promo?
Ps Are there any types of common activities for startups when registering an IP or does it all depend on the direction of the project?

Answer 1

Apparently one of the highlights is actually the withdrawal of honestly acquired. Theoretically, it is possible to legally spend money on the USN 6% directly from the IP account, but, as we know, this does not mean that there will be no problems with this very law. At a minimum, they can be suspected of cashing out by the type of carding. Therefore, there is a recommendation to withdraw funds to an individual's account in the same bank. When sending large sums to another bank with enviable frequency, they can again suspect a cash out and ask to exit both the sender's bank and the recipient.
Therefore, you also need to look at the cost of servicing a physicist's debit card and the commission for withdrawing to it. I will add the results of research on Alpha and Discovery here.
upd.I ended up with Alpha. I chose the "Start" tariff for 499 rubles / month, if there are account transactions. And I don’t know what kind of attraction they have of unprecedented generosity, but the withdrawal of currency to their accounts of individuals occurs without commission. And they say that to another bank too. Currency control agent function - 600r to 400k. The transaction passport is 1180 rubles, but it is not needed so often and they should be canceled from next year.
The point has disappeared due to the sanitation of the Discovery and prejudice towards Qiwi. And the tariff with 1% of the incoming payment turned out to be extortionate for any large sums.
The impressions from the process of opening an account in Alfa were generally positive, given that I knew what I was doing. The manager answered all my questions, the account itself was opened in one 40-minute meeting. Of the minuses, that almost your whole soul is taken out of you on the topic of how and what will happen, up to the expected amounts. Who else would know this in advance in non-classical business. But here I am sympathetic, they did not come up with all this. My manager did not know about the existence of Upwork, but this is due to the fact that the bank itself is rather focused on a large classic business, outsourcers are not a frequent visitor to them. I consider all such inconveniences a justified price for reliability.
The free conditions for simple maps of physicists are quite achievable, so everything is ok here too. And the card itself can theoretically be relinked to different currencies purely through IB. Almost multicurrency is obtained.
They are also asked to conduct all expenses for economic activities from the current account of the individual entrepreneur, and not the individual, despite the simplified tax system of 6%. Even on printer paper. Apparently because the costs in custom development are not particularly expected and everything looks a lot like a cash out.

Answer 2

It is obvious that it is necessary to the point, since everything there is imprisoned for VED