Which bank to choose for IP?

Question

Payment systems

Friends, which bank is better to choose for a freelancer-IP? Actually, there will be a minimum number of movements on the current account. I rush between the Modul bank and Tinkoff, in the first I really like the fact that I pay only 90 rubles for the movement of the account, if there is nothing, then I don’t pay accordingly, but there are commissions for withdrawal. In the second, I pay only 500 rubles per month, while there are no commissions for withdrawal if I withdraw to the Tinkov card.
What to choose? Who has experience with banking?

Answer 1

I opened an account in the bank "Modulbank" a year ago, I work. take off for a year only positive emotions guys! Everything is fine, for individual entrepreneurs it’s just right and everything is solved very quickly through chats, I’m happy!

Answer 2

My research and experience in banks:
By the way, one more plus in favor of IP - all IP accounts are insured by DIA up to 1.4 million, because. formally, you remain an individual. So, if the bank collapses, in a week you will receive everything on the IP account in another bank. There is no insurance for an LLC, because entity.
For initial turnover, in order not to pay crazy commissions every month, I would recommend 2 banks that I myself use. Better to have at least 2 banks, you never know.
ModulBank - link bonus - 1-3 months of service for free, including payments!
- an excellent, technologically advanced and loyal bank, I really like the service.
-opening an account is completely free, they can come with the documents themselves and deliver everything.
- payment of 90 rubles on a free tariff, or you can choose a tariff with an ab. payment and cheap (free) payments.
- they give you a MaterCard Gold business card for free, with which you can pay
- they charge interest on the account balance, which is good)
- there is a business assistant
- there is a free accountant for individual entrepreneurs (under certain conditions)
- payments go quickly, on the next flight, credited fast.
- minus: currency control (if the payment is from a non-resident of the Russian Federation) - 300 or 400 rubles for an incoming payment.
Oksky bank
- opening an account about 400-500
rubles - service - free
of charge - payments - 15 rubles -
currency control - free of charge
-% on the account balance
-minus: they require a lot of documents to open an account and pay all taxes only through their bank (for free).
- it took a long time to open a
VESTA bank
account The same as an option, excellent rates for starting and developing a business
- opening about 1500
rubles - there are tariffs without an ab.
fee - currency control - about 400
rubles - it takes a long time to open an account
- cheap payments
I rarely use it, rather left it as spare.
A fairly popular and technologically advanced bank, but I still didn’t understand it and there was no longer a need, and the tariffs are not cheap, including currency control. However, many are satisfied.
Pros:
This is a free registration of an LLC or an individual entrepreneur without the need to contact government agencies. All registration concerns are taken over by Tochka Bank, and the probability of refusal during such registration is minimal. Registration takes 5 business days. The only condition is to open a current account at the Tochka for the registered company and pay it for 6 months in advance!
I didn't reach it myself, but my friends are happy.
Tariffs are affordable, payments go immediately through BESP.
There are several promo codes for this bank with bonuses - write to anyone who needs it.
Described in more detail here .

Answer 3

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 with VK employees - pleasant impressions)?
3. Which bank do you recommend?