Which bank to choose for a bank account of an individual entrepreneur and how to cash out funds correctly?

Question

Individual entrepreneur

Faced with the need to open an IP.
1. Please tell me which bank to choose in order to have a minimum risk of blocking? I understand that according to 115 f.z. all banks are a nightmare, but it’s one thing to get in for justified reasons, and another thing when they openly block in order to withhold a commission for withdrawing funds.
2. How to cash out money from a cash account of an individual entrepreneur? Income 240 tr. per month.
Can I pay the necessary taxes from the amount received, and withdraw the balance to the account of the physical. persons of the same bank with subsequent cash out? Do such operations “excite” financial monitoring and why? The goal is simple: I prefer to keep money in shares or currency under my pillow.
Activity: programming. Region: Krasnodar Territory.

Answer 1

1. Any for small businesses - Tinkoff, Tochka, etc. The main thing is to see what their withdrawal limits are without commission, the monthly fee and whether there is a built-in accounting system (there is one in Tinkov).
2. I will write how I did in Tinkovo ​​on the IP USN 6% on income. After the receipt of funds from clients to R / C IP through my personal account, I transfer money to my account of an individual in Tinkovo. Be sure to write that this is a translation for myself, VAT is not subject to. Money comes to a personal card, then I use it. You can also withdraw from the R / S IP card, but there seemed to be some kind of commission there.
Taxes are paid quarterly or even once a year, as you decide. Funds for R.S. IP is already yours and there can be no cashing out here. But of course, in order to receive money from customers, you need to invoice them for payment and keep it, because. if they want to check, then you can easily confirm the legitimacy of the operations.

Answer 2

generally choose any retail bank that suits you in terms of fees / services
Financial monitoring does not initiate these operations, but sometimes they can, there are certain criteria, but they are quite specific.
The best grounds for accepting payments are an agreement / invoice / act of work performed Timely
payments / advances to the tax / Pension Fund - a guarantee of the absence of account blocking
"- in this case, the other bank and the tax office will not have questions. If you like to go to the bank, get a checkbook, you can use it to withdraw money at the bank's cash desk.
When making payments from an individual entrepreneur to the account of another individual, these are taxes and other difficulties.