Modulbank vs Point for IP and work with Upwork?

Question

Freelance

Hello.
Which bank is better for working with upwork and withdrawing currency with minimal commissions and problems with currency control?

Answer 1

Because Upwork is not a resident of the Russian Federation, you need to look not only at tariffs, but also at the costs of currency control.
My experience with banks:
For initial turnover, in order not to pay crazy commissions on a monthly basis, I would recommend 2 banks that I myself use. Better to have at least 2 banks, you never know.
ModulBank - link bonus - 1-3 months of service for free, including payments!
- an excellent, technologically advanced and loyal bank, I really like the service.
-opening an account is completely free, they can come with the documents themselves and deliver everything.
- payment of 90 rubles on a free tariff, or you can choose a tariff with an ab. payment and cheap (free) payments.
- they give you a MaterCard Gold business card for free, with which you can pay
- they charge interest on the account balance, which is good)
- there is a business assistant
- there is a free accountant for individual entrepreneurs (under certain conditions)
- payments go quickly, on the next flight, credited fast.
- minus: currency control (if the payment is from a non-resident of the Russian Federation) - 300 or 400 rubles for an incoming payment.
Oksky bank
- account opening about 400-500
rubles - service - free
of charge - payments - 15 rubles -
currency control - free of charge
-% of the account
balance - minus: they require a lot of documents to open an account and pay all taxes only through their bank (free of charge).
- it took a long time to open a
VESTA bank account
The same as an option, excellent tariffs for starting and developing a business
- opening about 1500
rubles - there are tariffs without an ab.
fee - currency control - about 400
rubles - it takes a long time to open an account
- cheap payments
I rarely use it, rather left it as a spare.
A fairly popular and technologically advanced bank, but I still didn’t understand it and there was no longer a need, and the tariffs are not cheap, including currency control. However, many are satisfied.
Pros:
This is a free registration of an LLC or an individual entrepreneur without the need to contact government agencies. All registration concerns are taken over by Tochka Bank, and the probability of refusal during such registration is minimal. Registration takes 5 business days. The only condition is to open a current account at the Tochka for the registered company and pay it for 6 months in advance!
I didn't reach it myself, but my friends are happy.
Tariffs are affordable, payments go immediately through BESP.
There are several promo codes for this bank with bonuses - write to anyone who needs it.
Described in more detail here .

Answer 2

I use the point, still at the old rates. But I approached the limit of free withdrawal to the accounts of individuals. According to the new tariffs, these limits are even lower and for me it will be about 5000/month (I also work with upwork - this amount includes a veterinary assistant + a monthly fee + commissions for withdrawing funds from a point to an individual's account).

Answer 3

In general, the main thing here is the price and proximity to home.

Answer 4

I opened an account in the forefront, the only thing I can say is that there are no problems with currency control - they explained everything in an accessible way. RKO 1400/month, conversion from $-> rub 0.35%, VK 350 rub, transfer to f\l 1.5%

Answer 5

I will answer without too much deception, we considered different options, we get cheaper for a circle :)