Sole Proprietor/Self-Employed and Individual/Current Account?

Question

Freelance

I am engaged in freelancing, while the income is small and not stable, I do not plan to register an individual entrepreneur, or as a self-employed person. But in the future, with a stable income, I'm going to do it.
1. I saw recommendations that it is better to keep a personal account and a settlement account in different banks. Does it make sense now to receive and store in gray on the card of one bank, and then, for security purposes, when applying for an individual entrepreneur or self-employed, open a current account in another bank, that there were no questions about past earnings?
2. If, for example, I follow the recommendations and I have an IP Settlement Account in one bank, and a personal one in another. In any case, after receiving the money to the current account, I will need to transfer it to my personal account in order to use it. What is the general meaning and idea of ​​keeping a personal and current IP account in different banks?

Answer 1

The sole proprietor is liable with all his property. No difference.

Answer 2

I work as a self-employed person. All accounts in Sberbank. I don't see any problems.

I do not plan to register as an individual entrepreneur, or as a self-employed person. But in the future, with a stable income, I'm going to do it.

What is stopping you now? Self-employment taxes are ridiculous.

Answer 3

It is better, if possible, to immediately register as self-employed. Taxes are ridiculous, plus as far as I know the self-employed gets a tax deduction.

Answer 4

Who will have questions? The bank doesn’t give a shit about you
The tax office has access to others from all banks of the Ministry of
Internal Affairs if an administrative or criminal case has been brought against you, it also has access to all information from banks without trial or investigation
. It’s clear that you need to close all old accounts once a year and open new ones in new banks.