RKO in foreign exchange transactions

Question

Freelance

Among habrozhiteli there is a certain percentage of people working with non-residents and receiving funds from them in foreign currency. I wanted to ask, who pays how much for settlement and cash services, account maintenance, currency control?

I have so. Accounts (currency and ruble) are opened in VTB 24, trading light tariff (Bank Client Online is connected). The money comes to the transit account, from it I transfer it to the main currency, then to the current account of an individual, but in another bank. All currency transactions. The costs are as follows:

- account maintenance - 1200 rubles / month (from April of this year, before 1100);
- currency control - 118 rubles per transaction;
- commission for transfer to another bank - about 740 rubles per transfer.

Those. if the customer transfers once a month, then about 2 krubs goes to the bank. And how much do you have?

Answer 1

Vanguard IP:
all costs of VC 0.15% min 500 rubles
service fee 0
I do everything only through the Internet bank, no originals and other real paper documents
, if necessary, get rubles, I do the conversion in the same place, a good exchange rate
is also in the forefront of ruble and currency accounts to an individual where I transfer from an individual entrepreneur account, the commission for an intrabank transfer is 0, the service is also 0, subject to some kind of turnover on the cards

Answer 2

I have Promsvyazbank
0.15% VK - at least 300 rubles
account maintenance - 500 rubles a month, although it was generally free for three years, since the new year I
don’t transfer anything anywhere to another bank, in the same to myself on an individual - a free
card on physical person something 500-700 rubles a year, then I withdraw from an ATM if necessary without any commissions and that's it

Answer 3

Since I work at VTB:
The rate for VC is 0.1%, at least 4 USD (or 112 rubles) + VAT
Account maintenance 600 rubles.
For almost all banks, the rate for VC is approximately from 0.1% to 0.15%, it can be 0.8% if you have volumes in billions, it can be even higher if the bank does not specialize in VC.
In theory, if money is debited from a transit account to a ruble conversion, then there is no movement on the currency account itself, which means that you do not have to pay maintenance for it. At least we have.

Answer 4

The cost of servicing with and without banking is different. It is cheaper with it, but for example, in VTB you need to pay separately for it.
Mandatory sale of 0% for a long time already.

Answer 5

Alpha:
270 VK 500
ruble account
790 rub foreign currency

Answer 6

Accounts within one account. There was a promotion for ruble IPs, I opened an additional currency one.

Answer 7

And what do we have now? What changes have taken place in 3 years?