Which bank should a freelancer in the Russian Federation with an individual entrepreneur choose to open a settlement account?

Maxim Timofeev2015-10-11 15:40:57

Freelance

Maxim Timofeev, 2015-10-11 15:40:57

opened a sole proprietorship, you need a checking account. I climbed the tariffs of banks, all of them have strange service charges. I expect no more than 2 transactions per month and pay 5000 for them, it's kind of strange. For this money, the taxi driver will take you in cash.
Who faced. Share your experience. Where is better and cheaper, and if possible, indicate the name of the tariff.
What are the pitfalls?
In principle, I figured out the issue with the need for RS, for those who are interested: Do I need a current account for an individual entrepreneur? . The selection of the bank continues.
RESULT: I opened rs in the Tochka bank. Everything is online. There are no departments with aligophrenics behind the counter. Tech support works well. While everything is ok. If there are problems - unsubscribe.
After 2 weeks I received a card account, by urgent courier delivery. I'm afraid to guess how long the slow one lasts.
Already received payments, withdrawn money to a card in another bank. While generally satisfied.
After 3 months: so far satisfied. There is a minus, but not critical. For example, the bank client only works fine in firefox.
Later still: until satisfied. Tariffs for new customers have changed. Became worse in my opinion, more expensive.

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18 answer(s)

Ivan, 2015-10-15
@webinar

Check tochka.com. Former bank24.ru, now a "discovery" project. The minimum tariff is 500 rubles / month. A huge plus is the absence of the need for a usb-token and other cryptopros (as a result, it works on all systems).
The service is completely remote. A card is issued to the account for free (the withdrawal limit without a commission on it is low, but if you suddenly need it urgently, it’s quite an option).
I moved to them from Raiffeisen (it was serviced for almost 3 years), it became easier to breathe straight :)

Andrew, 2015-10-11
@allard

An individual entrepreneur is not required to open an account for a legal entity, there is no such thing in the legislation.
Banks themselves ask to open an individual entrepreneur account as a legal entity, these are their internal rules in order to cut down money.
So, open a regular account for an individual and use it.
Yes, they said correctly above, open a separate account for transfers and a separate Mastercard card account, for example. And everything will be good.
I myself have been an individual entrepreneur for 4 years now, I have been using VTB24 and Promsvyaz as an individual. I submitted the same invoices to the tax authorities, the tax authorities did not have any questions. By law, the property of an individual entrepreneur and an individual is indivisible, that is, if you sell an apartment as an individual, then you provide documents to the tax office as an individual entrepreneur. It is the same with money, if money was transferred to your account, you can immediately buy bread with it in the store without any problems, this is already money for you as an individual.
If suddenly the bank has questions, just go to another bank. Although 800 rubles / month is not a lot of money, but why pay more if an individual has the same functionality in Online Banking.
In general, some banks enrage me with their impudence, their internal rules border on legality ...

Sergey Goryachev, 2015-10-11
@webirus

Avangard Bank - 500 rubles per month. About the usual map correctly advised. Open an IP current account in a bank and a card account in the same place to make it easier to withdraw money. It is convenient in Vanguard, you will use one phone number for authorizations. There is a mobile application.

other_letter, 2015-10-15
@other_letter

Tinkoff.
I write right away - as a legal entity, I did not register there, an ordinary client.
I don’t know the tariffs and I don’t even know if they serve yurikov (well, I just logically assume - yes, they do).
BUT! I advise because they do not have offices in the usual sense of the word. All certificates, documents, etc. can be easily ordered via the Internet or by phone and received by mail (sparkling or offline), and so on.

Tlito, 2015-10-11
@tlito

open a regular account, physical. faces and use for free.
open a regular ATM card and use it for free with an online bank,
open a visa or a master for 10 usd per year and you can pay or transfer online.

Vasily Kononov, 2015-10-11
@1kvi1

Alfa Bank has a StartUp tariff. 850 rubles per month, if there are no transactions during the month - free. 3 payments per month are free, more than 250 rubles per payment. Thus, if there is no activity, you do not need to pay for the current account.

fodoh, 2015-10-11
@fodoh

modulbank.ru bank for small entrepreneurs

Madmess, 2015-10-16
@Madmess

Considering that you will have only 2 payments per month, it makes no sense to open a current account with a bank that will write off a subscriber every month for servicing the account. The option of opening an account with Modulbank is what you need. True, now their tariffs have become a little worse, but the option without a subscriber still remains. Integration with Elba seems to have appeared recently.
You can also order a pos terminal from them to receive cards. 2% of the payment amount. The terminal itself is free

Puma Thailand, 2015-10-11
@opium

Yes, almost all banks service an account up to 1000 rubles a month where you found five thousand there is not clear. You need to open an account at a bank near your home.

Radmir, 2015-10-11
@RadmirZ

We have an opening, service is about 800 rubles, and you can transfer money from your account directly to a Sberbank card for yourself, they arrive within a few hours.

Yarosh841, 2015-10-12
@Yarosh841

there are a lot of banks with a tariff of 500-800 r per month, but remember if you stop working and do not close your bank account, the bank will continue to work with the account even if you did not pay it and then ask you to pay. and they are very cunning and can be silent for a year and then send an invoice for all 12 months.

Dmitry Pavlov, 2015-10-15
@dmitry_pavlov

I use VTB24 as an individual entrepreneur and as a physicist. RKO on one account costs 1100 r per month if there were operations. For the price, I think it's acceptable. Online banking for individual entrepreneurs, of course, is poor (it only works in IE, it requires additional software, everything is somehow uncomfortable and crooked), but again, it has adapted. Getting money is not the worst thing to do. Currency control has to go through sending letters through the internal messaging system. Some kind of automation was done there, but I did not understand how it should work. Free withdrawal to an individual's account in Telebank, which is convenient.
PS I prefer not to spend directly from the IP account, although they do. I don't like this idea.
PPS Many colleagues in the shop respond well to the point. Haven't tried it myself yet, I'm looking into it.
UPDATE (September 2017): here is a Toptal colleaguerecently collected and summarized information on in his post Which bank to choose for a freelancer with Upwork, Toptal...

Dmitry Solodukha, 2015-10-15
@NeiTrinO2

I have 4 active companies now. In 3 of them there is an account in Tochka bank. This is the team of the well - known Bank24.Ru , which has
now made a bank under the wing of Otkritie Bank . bank - Integration with services: My business, Elba, Button I highly recommend! tochka.com

Alexey Chyrva, 2015-10-15
@handball14

I have been using Alfa-Bank for more than 7 years, the price tag is certainly higher than in the forefront, but in combination with reporting in Elba and personal accounts in Alfa, it is very convenient and simple.

Egor Nedbailo, 2015-10-15
@Negoro

Try to approach the issue from the other side: you will probably use cloud accounting, I will not advertise, it seems like 3 of them are decent, and so, they have their own affiliated banks, with which it is convenient to pay tax and pension.

Maxim Timofeev, 2015-10-15
@webinar

"I'm sure you will use cloud accounting" - I'm not sure. My wife is an accountant. So I rarely even see the word accounting, this is her battlefield. But I will be glad if you still advertise. What is it and what is it eaten with?

Ruslan Makarov, 2015-10-24
@facepook

I have a current account opened in OTP bank - excellent conditions and service.
Token for remote control - everything is very convenient, I advise ...

alex0x00, 2017-05-19
@alex0x00

I am in the process of choosing a bank to work with Upwork as an individual entrepreneur on the simplified tax system. Accordingly, the bank first of all needs convenient currency control, without problems, for example, without the requirement to issue a transaction passport and without letters of guarantee that we will not exceed the limit of $50k (if we approach the limit of $50k, as far as I understand, we just bring the same the most public offer agreement with Upwork, only as N2, and all the cases). Estimated income of 5-10 k$ with withdrawal every three months, respectively, for months in which there are no transactions, you don’t want to pay a subscription fee.
1. Who can say anything about Tinkoff?
2. Fora-bank (talked to VK employees - pleasant impressions)?
3. Which bank do you recommend?