UPWORK / PAYONEER / IP - how to legalize?

Question

Individual entrepreneur

Good afternoon.
The question is next.

0. I've been working for Upwork for 5 years.
1. Payoneer was shut down. While he was deducing through it, he didn’t really bother.
2. There is an IP 6%
3. I want to withdraw officially through the IP, pay 6%, etc.
4. BUT. To withdraw funds in banks, they seem to require the entire history of earnings through upwork (since joining their public offer).

It turns out that having started now to withdraw money through the IP account, I will need to show my previous earnings. If further this information is sent to the tax office, then either you will have to pay taxes for the previous couple of years, or you will also have to pay some fines.

The main questions are:
1. How to bring earnings into the official channel and forget the past?
2. If I directly describe this situation to the bank, will they hand me over to the tax office or is the communication protected by bank secrecy?

Thanks in advance.

Answer 1

Feel free to switch to IP.
Banks will be asked to show the entire history of income, but they themselves need this for the correct execution of currency documents. It doesn't go to the tax office.
But it is still better not to use state banks.

Answer 2

Show only what you need, the bank cannot check you except by asking you for documents, and you can show any documents to your taste since you have a Word and a printer.
Never substitute yourself, the bank is not your friend and not your brother, the bank pursues only its own interests in the first place and here is your second if it can make money on them

Answer 3

In general, just from the moment the IP is issued, do not take it past.
Show the bank that from the moment the IP was issued. Before, there was nothing. Through webtools, you will make the correct screenshot and everything will be fine.
And you don’t have to pay 6% for IP, it’s better to have a patent (well, if you have the appropriate income per year)
As Ilya S says, it can go sideways, because. the amount already earned affects the transaction passport (or something like that). Those. it is displayed there and, under certain circumstances, they may be asked, they say, where did you get one amount in your passport, and another goes through R / S and tax.
The bank needs the data in order to release the document on time (after 3KK for all the time, it seems). Here you need to open it from scratch, so show the jar zeros

Answer 4

Cancellation of Payoneer cards for "happy" Russians does not deprive you of the opportunity to withdraw money from there. Then you can transfer them, in principle, almost anywhere, including ruble accounts. Payoneer has a better rate than Upwork.

Answer 5

payoner closed the card, but the payoneer account continues to work and can be withdrawn from it to any bank account in the Russian Federation.
if the income is less than 200 thousand / month - become self-employed and also pay 6% tax, you don’t need to show anything to anyone, just knock out a check in rubles, at the rate of the Central Bank of the Russian Federation.