Will the bank have questions in the absence of expenses?

Question

Freelance

I'll describe my situation. Let's say I have a resource, it has an affiliate program. Affiliate brings >$2-3k per month. This is a currency transfer, for marketing services. But the fact is that the expenses against the background of this income are scanty, and I pay them from an individual.
I want to withdraw all this money from the current account to a personal account. It is highly desirable that you can transfer to a personal account in dollars or with a favorable rate. I did not find banks that I liked according to all the conditions, will you advise?
How do freelancers do this? After all, they do not have any "business costs", and they immediately withdraw to a personal account. Does the bank swear? Are there banks that are less reverent about this?
I have been receiving money to my personal account for a long time, this is the most convenient option, but I want to show part of the income so that everything is legal.
PS The ePayments / Payoneer cards would have been enough for me to avoid unnecessary headaches, but ePayments stopped issuing cards and in Russia I will have to explain what it is and where it comes from.

Answer 1

I don't really understand why the title is like this.
I myself am a freelancer, first I transfer all the money to the account, and from there, after currency control, to the account of an individual in another bank.
Nobody will scold. This is a completely normal practice for freelancers who do not have business-related expenses. But it is advisable to pay taxes and fees from the same account from which you withdraw money.
I highly recommend Modulbank. It is designed for small businesses and only works with individual entrepreneurs and LLCs. There is divine currency control. If you store dollars in the same place, then they give 2% on the balance (with an amount of $ 1000, it seems). There is no such percentage for dollars in any other bank.
If you want to withdraw dollars, you can look in the direction of Tinkov Bank. There are good conditions for withdrawing from a cash account to an individual's account within the bank. But more miserable currency control and, in general, technical support for legal entities is worse.

Answer 2

But the fact is that the expenses against the background of this income are scanty, and I pay them from an individual.

There are almost no costs for services.
This is completely normal.
This is how millions work.
Here the question is different - if you simply withdraw money from the account - this raises suspicions that you are engaged in illegal cashing. The bank itself can cover your activity, it has the right. The state entrusted banks with the control of suspicious transactions.
Eat, buy things, pay for the Internet / telephone / rent, etc. etc.
Then there will be no trouble.
For this, many banks issue an ordinary VISA / Mastercard / MIR bank card for individual entrepreneurs.
She can pay in stores, etc.

Answer 3

about items:
You can not withdraw dollars without conversion.
For courses - look at how the module was advised, point.
You are still relevant limits on withdrawals to the card / in cash.
With such a turnover, you will not be touched. There triggers from 400 thousand.
Ideally, you get an IP card at the bank and pay for everyday expenses. On IP 6%, they are completely on the drum whether they suit you for business or not.
I have been receiving money to my personal account for a long time, this is the most convenient option, but I want to show part of the income so that everything is legal.
Crap idea.
There are ways to receive on a "personal" account, but obviously, this account should not be in a Russian bank. And at the end you will get in general the same + 5-6%.
If the income is large, you fall into an illegal business. with all the consequences.
6% is not worth
www.consultant.ru/document/cons_doc_LAW_10699/cc12...
Particularly large is from 1 million rubles. If you have a "part of the income" of 150+ per month.. Well, you understand, right?
If you pay right or left - yes.

Answer 4

The Russian Federation signed the convention and from 2018 information on all foreign accounts will be automatically merged into the tax office, both for legal entities and individuals. Therefore, if you do not draw up an IP, then you will have problems, the size of the problems will depend on the turnover on foreign accounts.
An individual entrepreneur has every right to drain money from his current account to his personal account without any explanation or confirmation. Register an individual entrepreneur with a simplified 6% of income, work officially and you will have peace and happiness.
If you work officially, in which bank of the account - it does not matter much, look and compare service rates. And the general recommendation is that in our time it is better to keep money in cash than in a bank account.

Answer 5

Tochka Bank - there are no expenses at all, except for taxes, and no one said a word, and what do they care about my expenses? No expenses and that's it. Is there a law against working without spending?

Answer 6

for sole proprietorship / LLC, banks need you to pay taxes and contributions from the account. As a
standard, they write should be at least 0.5-0.7% of the turnover.
about a profitable currency exchange
- Tinkoff 0.5% (Deviation from the exchange rate when buying a currency)
- you can open an account in alphabank + connect their broker (alfa direct) - you can exchange currency at the exchange rate (+ a small broker commission), for The currency exchange is sold in lots in multiples of 1,000 dollars and 1,000 euros. Brokers are relevant if the amounts are large.

Answer 7

Firstly, if you expose your income, then control and monitoring will be hung over you. It's better to be anonymous, do you want to pay taxes to the state in your pocket, so to speak? Your choice.

Answer 8

Questions may be if there are no expenses at all. And so, if you pay taxes, then there are no problems.
My experience: an absolute bank, an individual entrepreneur rents out his own apartments with payment on R / C IP. Only 6% of taxes under the simplified tax system are paid from it, and the rest is transferred to a personal Sber card.