In which bank to get a card to work as a freelancer - IP?

Question

Freelance

Good day! I have registered an individual entrepreneur and I am going to work as a freelancer, which bank would you recommend using? As far as I understand, there is no need to open a R / C account, just open a plastic card and that's it. This seems to be enough if you work under a contract offer, for example? Well, the second question arising from - the first - when opening the card, it seems that the r / s also opens, can I use it as a r / s IP.

Answer 1

IP (legal entity) = R / C or cash settlement service (this is not a physical account)
Big city then Alfa Bank (service / prices for rs + shares at opening),
Small city (for example, I have 1 ATM per city branch 160 km from me , it’s not very convenient) it’s possible that Sberbank is more expensive / more reliable / convenient (it’s everywhere) / there’s a problem with the service (like a queue for 40 minutes) ..
I won’t say I didn’t use others, but I made them more modern in favor of alpha and the price tag is acceptable in my case the truth is not very convenient
"As far as I understand, there is no need to open a R / C account, just open a plastic card and that's it. Is this supposed to be enough if you work under a contract offer, for example?"
difference in the amount of tax 6% (legal entity / STS) and 13% (individual)
As far as I remember, it is possible without RS, but it will be necessary to keep a book, all with pens: also run with legs, pay and submit reports. Although now it seems that the tax office is going to go to the electronic dock turnover.
I did this, opened the calculator, connected the elba, paid a year of service for 2 tr, made an electronic signature and now all payments, taxes, pension, calculations are done remotely + you can also work with the documentation and notify that you need to pay.
Those who do it according to the classics get up about the same 2 tons, but at the same time they run and have a pack of papers, you also need to remember when to pay
ps sorry for the writing style and so on, I hope it helped .. happy new year!

Answer 2

Individual entrepreneurs do not open a card, but a current account and you have to pay for it;)

Answer 3

so when, for example, I applied for a card in a savings bank as an individual, they automatically got me and the r / s first of all, as far as I remember ... or when do you act like different things? For r / s, I realized that I have to pay. But the question sounded to advise the bank, in this case. What to pay is a clear matter - don't you pay for the service of the card?

Answer 4

I can’t say for sure about the need to open a current account for a legal entity (IP), there are some nuances about working without a legal entity.
But if you still decide, I can recommend two alternatives - Vanguard and Alpha.
Vanguard - cheap, 1000 rubles at a time at the opening (or rather, at the first receipt of money) and then everything is free, including Internet banking. The Internet bank itself is buggy and sometimes causes gnashing of teeth, but you can use it. The cant with the withdrawal of money is a whole quest if you do not have a plastic Vanguard card, so if you choose this option, I advise you to get the cheapest one for withdrawing money (Visa Electron).
Alfa is recommended as a bank with the best mobile client and decent Internet banking, but the tariff is higher and monthly, if my memory serves me right.