Currency card for freelance life abroad?

Question

Freelance

I am changing my job to a remote one, and the income will be transferred in rubles to the current account of the individual entrepreneur (at the moment I have not become an individual entrepreneur and therefore I don’t know the nuances of withdrawing money from the account of the individual entrepreneur), how to pay for work under an agreement with a client. The employer is a Russian legal entity. I am going to live outside the Russian Federation for several months, so the question arises how convenient it is to spend money during this time.
Now there are two Sberbank ruble cards (debit and credit) and a Yandex.Money card.
1) Open a personal account / IP account in Sberbank or another bank?
2) Open a foreign currency card at Sberbank or another bank?
3) Is it possible to directly withdraw ruble income from entrepreneurial activity from the account of the IP to the currency card of an individual, or do you need to first transfer it to a personal ruble account (and should the account of the IP and the personal one to which the withdrawal is made be in the same bank)?
4) Possible questions for me from banks, financial monitoring, etc.?
5) If I live abroad for more than 6 months (perhaps in different countries on tourist visas), I will lose my tax resident status, what does this mean?

Answer 1

You can always put a gasket between the RS IP and your currency card so that there are no questions. Suitable banks - Vanguard or Tinkoff.
There are currency cards in Vanguard, in the online bank you can change the currency at a fairly decent rate. If you need to merge further - an online payment costs 10 rubles.
In Tinkov, free RS service (including all outgoing payments). but it makes sense to use it only as a transit, the rate there is not brilliant and I don’t remember currency cards.
It is very convenient for the option "I earn in rubles - I spend in dollars" the "Corn" card from the Euroset: the conversion rate = the rate of the Central Bank.
That is, you can pour rubles into Tinkoff from RS IP (it’s better to look for a bank with an inexpensive payment system, not Sberbank), then from Tinkov for free to Corn, then we spend with conversion at the Central Bank rate.

Answer 2

5) By tax residency:
It's not that simple. You can run into double taxation provisions and the hassle of filing consolidated tax returns in 2 or more countries. Moreover, in some countries there are separate taxes on certain types of activities.
By opening an IP, you partially fall out of the rules applicable to individuals and their tax payments.
In the case of an individual entrepreneur, it is better not to raise this topic at all, but to pay taxes at the place of registration of the individual entrepreneur, counting and indicating in all documents that the place of provision of services is the country of registration of the individual entrepreneur.
This is the simplest scheme as long as you work in the ruble field.

Answer 3

1) savings or B2
2) savings or B2
3) depends on the bank, but rather not (shouldn't, but see about B2)
4) quarter passed, taxes paid? financial monitoring, if you receive from the employer from accounts in the Russian Federation, there will be no questions. If they are, then to the payer.
5) lose, maybe you will lose, but in order not to pay taxes, being an individual entrepreneur, you will have to try. Immediately, I think, you will only lose money by paying taxes here and there))
in general, the very topic of tax residence for individual entrepreneurs is slippery. For an individual - as it were, yes, 183 days, and an individual entrepreneur, although an individual ... in general, tune in that for individual entrepreneurs and the amounts spent 6% and funds - take it out and put it down. Already in another country, see what you can save from this (double taxation)
B2 is a bank with fewer losses. The losses are as follows:
when converting within the bank (it is not yet a fact that everyone can do this), smart Sber behaves, in fact, as when paying with a ruble card in dollars. Those. having credited 100 dollars, writes them off at the card rate within 3 days (and not on the day of sale at the bank's rate). In about the same way, you can simply withdraw from an ATM abroad.
Perhaps B2 (VTB or Alfa) will be more profitable.

Answer 4

Any combinations are possible for opening accounts.
very often no
should not
only standard documents
nothing. Pay your taxes as usual. Most likely you will not become a tax resident of another country at this time, and will not be concerned about the topic of double taxation

Answer 5

1) Open a personal account / IP account in Sberbank or another bank?
2) Open a foreign currency card at Sberbank or another bank?

In the firebox Sber. They love documents. Can you imagine if you are required to provide something within a week, and you are abroad? When opening, keep in mind that not all banks will let you receive dollars from an IP account. I had an account in Raiffeisen and to the accounts of individuals (including my own), I could only withdraw rubles.
Now I use tocka.com - there is an IP currency account + a FL currency account, between them there is an instant transfer without commission. + adequate currency control. Everything is remote, so you don't have to carry anything anywhere.
Actually answered above
Give a contract + for each receipt under the act (you can stupidly scan). This is usually enough
This does not affect individual entrepreneurs, pay taxes from individual entrepreneurs as usual

Answer 6

Monitor Alfa Bank, with their alfa miles card (cash withdrawals without commissions at any ATMs in the world) Convenient for individual entrepreneurs, everything is online, including the connection of reporting programs, good conversion rates.