Transfer of own funds of an individual entrepreneur from a current account in bank A to a physicist's account in bank B?

Question

Freelance

What problems can you face when transferring from a current account of one bank to a physicist's account in another?
Recently, the bank in which the IP settlement account is opened has introduced a commission for transfers from the IP settlement account to the accounts of physicists in their bank, including their own accounts. This was apparently done specifically for cashiers, but the bottom line is that now it costs 0.5-2% to transfer the money earned to the card, depending on the amount of the transfer. At the same time, external transfers are considered with the usual fixed commission for payment, like 20 rubles.
Initially, I chose a bank because of the low service fee for RS and a convenient card with cashback and savings, but since the Central Bank raised the refinancing rate, the percentage has not changed at all :) when some banks have 12-13% on the account balance, my bank still 5%.
So far I see two options:
1. Transfer from a current account to a physicist's account in another bank.
2. If the first option entails a lot of hemorrhoids, then move completely to another bank, where there is no commission for transfers between your accounts.

Answer 1

For individual entrepreneurs, an account has been opened in Vanguard, I withdraw money for needs to a Sberovsky physical account - there are no problems and cannot be.
I pay a fixed fee for a payment system and that's it.
I indicate the purpose of the payment as: "Transfer of own funds. Amount XXXXX, VAT exempt"

Answer 2

Yes, there should not be any problems, maybe only the money will take longer to go.

Answer 3

Yes, no matter which bank you transfer physics to, there will be no problems if your commission is lower, then do it.
The tax office must be notified and the maintenance fee sometimes bites

Answer 4

Try to transfer to cards for which the details of the issuing bank issues in the form of a consolidated account. In this case, the recipient is not an individual, but the bank itself; and the full name of the individual and the card number are indicated in the purpose of the payment.