Which banks can help with paperwork and which one is more profitable to contact?

Question

Freelance

Hello. In my previous questions, I have already described my problems. I will briefly describe it here.
I work remotely from the Russian Federation for a German company under a GPC agreement. At the moment I am an individual and the company puts my salary on the pioneer, and the pioneer puts money on my physical currency account. persons in the alpha bank, from where I already withdraw them or transfer them without commission to my ruble account there. I decided to become an individual entrepreneur - either under a patent or a simplified one. Naturally, I do not want any hassle with pieces of paper. I heard that the following banks deal with issues of supporting individual entrepreneurs: Tinkoff, Alfa, Tochka, Modul, Elba. Correct me if I missed any. Which bank is better to choose to support an IP in terms of maintaining waste paper, the absence of problems with: tax, currency control, the bank itself, and also so that it is not very expensive? I strive to get a turnkey service so that there is no fuss, paperwork and various hidden fees (for example, for conversion) and that the bank itself solves all problems with tax, currency control, invoices, ideally, so that it can accept money directly without a pioneer. Where is the best place to do it?

Answer 1

Tinkov is not exactly engaged. Their help with currency control looks like this: "well, you send us the documents, we'll see there." You can only communicate with the PM, but he doesn’t understand the nuances.
Modulbank helps for sure. You can communicate directly with representatives of the currency control, they will give advice on how to issue.
It seems like a dot also helps a lot, but I did not work with them personally, unlike the first two. At the point, the tariffs are unfavorable.

Answer 2

if the amount is up to 200 thousand rubles / month - become self-employed - punch a check in rubles through the application at the rate of the Central Bank of the Russian Federation on the date the money was received by the Russian bank and pay 6% tax. If you don’t want to lose money on currency conversion and payoneer, apply for a multicurrency card in tinkov, give the details of your German company’s euro account when the money arrives - on a weekday, in a couple of minutes in the tinkov investment application, you sell currency on the stock exchange - and get rubles from minimal losses on conversion, withdraw rubles to the card. All this is legal, convenient and profitable
if the amounts are larger - a point and a module bank.
all banks now have a limit on transfers to cards of individuals and cash withdrawals - therefore, it is sometimes more profitable to use several banks - because each gives "its own" cash withdrawal limit
at the point, by the way, by agreement, they reduce the cost of the tariff if they are sent more favorable prices from another bank

Answer 3

“So you will still eat for me” (c)
the bank will not solve all the “problems” for free, and if it does, it will be that price tag. But in general, nothing prevents registering an individual entrepreneur with minimal gestures, choosing a 6% simplified tax system and a patent (if any is profitable), signing an agreement with companies and receiving foreign currency directly to an account in a Russian bank. Currency control in banks does not brutalize them, on the contrary, it is beneficial to keep the goose that lays the golden eggs. They will always prompt and pay attention if there are any ambiguities in the documents. My friends and I have experience of working as an individual entrepreneur with currency control in Tinkovo ​​and Tochka. Everything is simple, fast and I would not say that it is expensive. The only thing, for me, it turns out that the Point is more optimal in terms of tariffs and a favorable spread for currency exchange than Tinkov.
To simplify interaction with the tax office, there is Elba, or you can use the accounting that is offered in banks for individual entrepreneurs on the simplified tax system of 6% - everything is essentially simple there, but you need to accurately fill out payments for tax transfers. Those. you can do it yourself, but I prefer not to waste time checking details and delegate this work to these services.
The tax system is also developing, this year it is already possible to fill out a correct payment for the patent tax from the IP office or even pay with a card from the site (you can use a card of an ordinary individual).
For ordinary, simple cases, there is nothing terrible and time-consuming.