Too many stupid questions about freelancing fees?

Question

Freelance

I make videos to order and so far the income is not large, but I plan to further develop in this direction and I want to immediately know how to proceed in the future.

I don't really understand this, I only started to understand it yesterday.

1. If I receive earnings from freelancing, then in order to do everything legally, I have 2 options
1.1 Either register an individual entrepreneur (I will be a Legal entity and will pay a tax of 6%)
1.2 Or become self-employed (I will be an Individual, so far only in Moscow time and somewhere else and the tax will be 13%)
2. I read somewhere that it is safer to be an individual in a bank, because if it closes, they will be obliged to pay you as much as you had in your account, this is true and all the same, who is more profitable to be in a jur bank. or physical. face?

I could understand something wrong somewhere, for this I write here and please correct me if I'm wrong somewhere. (And I’m definitely wrong in many places)

3. Also, while the income is not large, I plan to get a card and receive money for it without registering anywhere,
then if my income suddenly increases and I need to start an individual entrepreneur or become self-employed, can I then backfire, then that I received money without all this?
4. The same is true for individuals in the bank. I can register an individual entrepreneur (I will become a legal entity) and then open a bank account as an individual, and is there any point in this, and what is the best way to proceed?
5. Is there anything else besides the 6%/13% tax that I will have to pay, any year. dues or something?
6. Also about the account and credit card, if I register as an individual entrepreneur or self-employed, do I need to open a bank account or a regular debit card will do, and what is the difference between them?
7. What is the best bank for receiving and keeping money from freelancing? What can you say about Tinkoff or Alfa-Bank?
8. Upon receipt of a debit card, a bank account is opened along with it, regardless of which bank?
9. Is it worth sending a passport photo to PayPal, won't it cause more problems in the tax office if I temporarily work in gray?
10. So is the question of the IP and Settlement account povdou. As I understand it, after opening an IP, you need to open a current account, it's like a regular card where payment will come, right? The guy chose between Tinkoff, Modulbank and Tochkabank and said that Modulbank is the most profitable, what exactly is this benefit?
11. When working with foreigners, is there a better option than PayPal -> Card Account?
12. If there is no better PayPal option, again, which bank is better for accepting foreign currency, or does the bank not matter? Will the conversion still go through PayPal? If so, are there options where the conversion will be more profitable than on PayPal?
13. Payoneer cards for the Russian Federation were recently banned, can you briefly explain why this is bad, and why payoneer was so good, are there any alternatives to it at the moment?

Once again, I started to understand only yesterday, and I'm pretty young. Now everything is very mixed up in my head, if anyone can put it all together and point out the mistakes, I will be glad to hear. (Sorry in advance for the absurd and stupid questions)

Answer 1

1.2 Or become self-employed (I will be an individual, so far only in Moscow time and somewhere else and the tax will be 13%)

EMNIP for the self-employed 4%

2. I read somewhere that it’s safer to be an individual in a bank, because if it closes, they will be required to pay you as much as you had in your account, this is true, and yet who is more profitable to be in a legal bank. or physical. face?

Accounts of both individuals and individual entrepreneurs are insured with the DIA for up to RUB 1.4 million. Therefore there is no difference.

3. Also, while the income is not large, I plan to get a card and receive money for it without registering anywhere,
then if suddenly the income increases and I need to start an individual entrepreneur or become self-employed, can it somehow backfire on me, that I received money without all this ?

Very unlikely. Registration of IP does not change anything.

4. The same is true for individuals in the bank. I can register an individual entrepreneur (I will become a legal entity) and then open a bank account as an individual, and is there any point in this, and what is the best way to proceed?

Firstly, it is customary to separate a legal entity (LLC) and an individual entrepreneur. Don't bunch up.
Secondly, legal entities and individual entrepreneurs use a current account for work. This is not the same as a personal account. It is more difficult to withdraw money from a cash account, the tax authority has access to it. R / s is started in banks for entrepreneurs.

5. Is there anything else besides the 6%/13% tax that I will have to pay, any year. dues or something?

Depends on the form of registration. Individual entrepreneurs are required to pay fixed insurance premiums, which change every year. This year it is 40 thousand. This amount can be broken down by quarter. These contributions are tax deductible at 6%.
In my opinion, the self-employed do not have these contributions, but this is not certain.

6. Also about the account and credit card, if I register as an individual entrepreneur or self-employed, do I need to open a bank account or a regular debit card will do, and what is the difference between them?

I don’t know about the self-employed, but for individual entrepreneurs you need to open a current account and conduct all activities through it.
I wrote about the difference from the account of an individual above.

7. What is the best bank for receiving and keeping money from freelancing? What can you say about Tinkoff or Alfa-Bank?

A very large and broad topic. Read reviews on banks.ru and specialized forums for your type of activity. Among freelancers are popular: Modulbank, Tinkov, Tochka.

8. Upon receipt of a debit card, a bank account is opened along with it, regardless of which bank?

Wrote above. You open a bank account in any bank, they will issue a debit card (business card) to it.

9. Is it worth sending a passport photo to PayPal, won't it cause more problems in the tax office if I temporarily work in gray?

Are you talking about verification? It's worth going through. There should be no problems if the amounts are small and irregular.

10.So the same question about the povdou SP and Settlement account. As I understand it, after opening an IP, you need to open a current account, it's like a regular card where payment will come, right? The guy chose between Tinkoff, Modulbank and Tochkabank and said that Modulbank is the most profitable, what exactly is this benefit?

The trick is that the free withdrawal of money from the account is usually limited. The larger the amount, the higher the withdrawal fee. The cheaper the tariff, the higher the commission for withdrawing funds. Modulbank really has one of the largest free withdrawal limits. At the Optimal tariff, this is already 300+50 thousand per month. I know more only from West Bank. So you need to count and compare. Here I was conducting a small analysis of the cost of maintenance when withdrawing 500/250t.r. and passing currency control in different banks and tariffs: https://bit.ly/2QNWwBQ

11. When working with foreigners, is there a better option than PayPal -> Card Account?

PayPal has huge commissions for converting to rubles. About 4%. Therefore, for large amounts, it is more profitable to withdraw dollars directly to the account in the bank. Well, PayPal is a gray scheme. Of course, you can open a corporate account with PayPal, but why...

12. If there is no better PayPal option, again, which bank is better for accepting foreign currency, or does the bank not matter? Will the conversion still go through PayPal? If so, are there options where the conversion will be more profitable than on PayPal?

Open a bank account in any bank. Clients transfer currency to you via SWIFT directly to this account. Next, you need to go through currency control at the bank, for this you need to provide an agreement and an invoice. After that, the currency is yours and you can dispose of it as you wish. Tinkov, Modulbank and Tochka have very favorable conversion rates.
You can't withdraw currency with PayPal. Only conversion into rubles with a predatory commission.

13. Payoneer cards for the Russian Federation have recently been banned, can you briefly explain why this is bad, and why payoneer was so good, are there any alternatives to it at the moment?

It was good because your money was completely outside the Russian Federation. And the tax office couldn't see them.
From the same PayPal, little can be paid directly, you still have to transfer to a bank in the Russian Federation.

Answer 2

If the payment is in rubles and does not exceed 2.4 million per year, then register as self-employed. It's simple and convenient, everything can be done from one application.