Urgent (quick) opening of a current account: the main methods and procedure for their implementation. Urgent (quick) opening of a current account: the main methods and procedure for their implementation Do I need a current account for an individual entrepreneur?

The service of urgently opening a bank account is provided to legal entities only after agreement with the bank. Typically, its completion time does not exceed one working day - 8 hours. However, this period begins from the moment the client has provided all the necessary documents.

The opening process itself involves concluding an agreement in the form of a bank and identifying the person who wants to do this. Only a current deposit can be opened urgently, while this is not possible for the rest.

Why do you need a bank account?

The easiest way to explain the need for a deposit in a bank is by demonstrating those benefits what he gives. These include:

• delivery and storage of proceeds in a non-cash account;
• accepting non-cash payments from partners or clients;
• payment of all production costs and materials provided to the business;
• payment of taxes, as well as contributions to the Pension Fund and Social Insurance Fund.

The main objective - simplification of core activities. This primarily applies to people who have registered an individual entrepreneur. They often work without a team, so mobility is a key factor.

The possibility of opening an account within 24 hours depends on the institution to which the person applies. However, despite the fact that this service is supported by most banks, it is worth noting that the speed of opening also depends on the correctness of the actions legal entity. The availability and correctness of completed documents determines how quickly the bank can process the application.

If it was not possible to use urgent processing, you will have to wait according to the standard deadlines. Usually this is no more than 10 working days inclusive.

Step-by-step instruction

First of all, it is worth noting that there is Directive of the Central Bank of the Russian Federation No. 1843-U, according to which all cash transactions between legal entities are limited up to the opening of a current account.

The very opening of a bank involves an in-depth study of all the conditions and consequences of using certain services. This requires the organization to have a competent legal department, which can protect against “legal robbery.” Now directly about opening an account.

First step - bank selection. Due to the fact that it serves as the foundation for further activities, you need to choose carefully. Financial experts recommend opening a deposit in those banks that have been on the market for more than ten years, because this guarantees:

• stable operation of the bank;
• wide range of products;
• timely support in case of problems.

Often legal entities choose "Alfa Bank", "Bank of Moscow", "VTB 24" or "Promsvyazbank".

When an institution is selected, you need independently analyze all conditions and tariffs. This will help assess risks and understand where the funds are going (relevant for individual entrepreneurs). Need to be taken into account following parameters:

• opening cost;
• details of the specific tariff;
• presence of a bank client;
• rate for payment guarantors (electronic and physical);
• commission for cash transactions;
• duration of sending payments.

The most acceptable tactic for choosing a bank is to familiarize yourself in detail with the offers of each of them. Only when all institutions are “in the palm of your hand” with the possibility of a clear understanding of the disadvantages and advantages can it be done right choice. It is important to clarify all the costs associated with certification of documents electronic key and other aspects of office work.

Preparation of documents

To open an account you need the following list of documents:

1. Application, the form of which is provided by the legal department.
2. A card containing sample signatures.
3. All constituent documents (charter, certificate, etc.).
4. Document confirming the created legal entity.
5. The decision of all founders or the founder on the reorganization of the legal entity (if there was one).
6. Documented decisions of the board of directors from meetings that contain signatures of the first or second type.
7. A complete list of all participants in the organization, which contains information about each of them (size of share, date of entry and acquisition, signature, etc.).
8. Confirmation that the company has a chief accountant.
9. Orders that indicate the power of attorney to other persons.
10. A certificate stating that the legal entity is listed in the tax register.
11. Patents issued to a company in accordance with the established procedure for conducting business (must be licensed).
12. Documents of the head of the company.
13. If instead of the manager, his representative is responsible for opening the account, then you need a document that sets out his powers.
14. Information about the legal entity, which must be provided in accordance with the bank’s form.
15. Information (official) about the legal address of the organization and the location of its main office, as well as branches. A proof of ownership of the property or a lease agreement is also required.
16. All receipts related to payments required to open an account.

Depending on the bank and circumstances, additional documents may be required. This is usually reported by the legal department.

Application to the bank

The application must be drawn up in accordance with the form provided by the selected bank. It must be signed manager or chief accountant. If the latter is absent, then only by management.

Waiting for a decision and signing a settlement and cash service agreement

The signing of a cash service agreement is carried out by the head of the organization or the chief accountant. If there is no accountant, the signature of the manager under the seal of the legal entity. Waiting for a contract decision usually takes two weeks, in special cases - a month.

According to Federal Law No. 59, there is no need to notify the tax authorities. This applies equally to both legal entities and individual entrepreneurs.

Do I need a current account for an individual entrepreneur?

Starting from 2017, the legislation does not oblige individual entrepreneurs open your own current account. However, its absence may entail some restrictions, for example, when the counterparty refuses to cooperate.

Need to provide following:

• passport;
• confirmation of individual entrepreneur registration;
• application according to the bank's form for opening an account;
• a document certified by a notary that contains sample signatures of all people who have authority to lead the organization;
• information about the individual entrepreneur in the form of a form;
• confirmed documents on the right to dispose of funds in the account;
• documents confirming all individuals whose signatures are on the samples;
• financial report for the year;
• tax return.

If necessary, the bank may also require audit report or confirmation of absence of debts.

Documents for non-residents

The legislation also provides for a situation when a non-resident of Russia needs to open a current account. In this case, he needs to provide:

• document confirming the identity of the head of the legal entity;
• migration card (current);
• confirmation of legal presence in the country;
• permission from the national bank of the country of which the head of the legal entity is a citizen to open accounts in the Russian Federation;
• power of attorney for opening (if this is done by a representative);
• confirmation of being registered with the tax authorities of the Russian Federation;
• confirmation legal status a legal entity of the country in which it was created;
• a document containing confirmed signatures of all management personnel for the management of the organization;
• a document that allows you to conduct activities.

However, it is worth noting that, as in other cases, the bank, at its own discretion, decides on the issue of making a request additional documents. Their list is determined individually, depending on the activities of the legal entity and its financial condition.

What is the price

The amount for opening a deposit is determined depending on bank conditions, to which the appeal is made. This happens regardless of the client's status. On average the price for both persons starts from 0 to 4000 rubles for the discovery.

Examples of banks and conditions

The three most profitable banks in Russia are VTB24, Alfa-Bank and Tochka. Now let's talk about each one in order.

VTB 24. A commercial bank with state capital.

The amount of service is determined by the monthly fee, which ranges from 1,000 to 10,000 rubles. There are 6 tariffs available, but only the two most popular ones are worth considering.

"Business start":

• maintenance - 1100 rubles per month;
• monthly volume of free payment - 5 (hereinafter - 40 rubles / piece);

"Business cash desk":

• maintenance - 2200 rubles per month;
• monthly volume of free payment - 25 (hereinafter - 40 rubles / piece);
• commission for issuing funds - 0.5%;
• interest on funds transfer - 1%.

The opening cost is 2000 rubles.

Alfa Bank. One of the largest, along with VTB24, commercial banks in the Russian Federation. There is no state capital in the formation. The most popular are three tariffs.

"On your marks":

• maintenance - 490 rubles per month;
• monthly volume of free payment - 3 (hereinafter - 50 rubles/piece);
• interest on cash withdrawals - from 1.25%.

"Electronic":

• maintenance - 1290 rubles per month;
• monthly volume of free payment - 0 (16 rubles/piece);
• interest on cash withdrawals - from 1%.

"Success":

• maintenance - 2100 rubles per month;
• monthly amount of free payment - 10;
• There is no interest on cash withdrawals up to 50,000 rubles.

Dot. It is a branch of Otkritie Bank. It works exclusively with entrepreneurs and offers three tariffs to choose from.

"Lowcost":

• maintenance - 750 rubles per month;
• monthly volume of free payment - 5 (hereinafter - 50 rubles / piece);
• There is no interest on cash withdrawals up to 100,000 rubles.

"Economy":

• maintenance - 1900 rubles per month;
• monthly volume of free payment - 100 (hereinafter - 40 rubles / piece);
• There is no interest on cash withdrawals up to 200,000 rubles.

"Business":

• maintenance - 7500 rubles per month;
• monthly volume of free payment - 500 (hereinafter - 30 rubles / piece);
• There is no interest on cash withdrawals up to 300,000 rubles.

Opening cost is free.

Thus, an individual entrepreneur or legal entity has wide choose financial institutions.

Results

Now that all information about the current account has been received, opening it will not be difficult. Let's summarize:

• a current account is a necessity, otherwise formal and informal restrictions follow;
• If you have all the documents, you can open a deposit in 1 day;
• The bank has a scrupulous attitude towards documents - they must be notarized and up-to-date;
• The correct choice of tariff can ensure the feasibility and payback of the deposit.

From the last point it follows that the foundation when opening an account is bank. It is such because all further activities will be built and supervised on the terms concluded with it.

Considering that a legal entity is forced to open an account, it is necessary to understand that this must be done. The benefit here is two-sided and consists, first of all, in increased safety of working with financial means. It also provides convenience in doing business, double-sided benefits (for the bank and the legal entity), as well as various bonuses due for “length of service” to a particular bank.

Additional information is provided in the video below.

Hello, dear readers! Igor Eremenko, entrepreneur and author of the SlonoDrom.Ru resource, is in touch. Today we will talk about where it is more profitable to open a current account for an individual entrepreneur or LLC in 2020.

Several years ago, when opening an individual entrepreneur for the first time, I was faced with the question: in which bank to open a current account. If you have already opened or are just planning or, then most likely you have also asked yourself this question.

In this article I will present to your attention detailed review tariffs of reliable banks for opening and servicing a current account.

After reading the article you will learn:

1. What important criteria do banks need to present when opening a current account?
2. What fees and tariffs are established for banking services for a current account?
3. Which bank is better to open a current account?

So, let's figure out which bank provides the most Better conditions for business owners! 🙂

1. Criteria for choosing a bank to open a current account

1. Bank reliability
2. Cost of service (tariffs and commissions)
3. Availability and functionality of Internet banking
4. Opening cost
5. Interest on balance

I. Bank reliability is one of the important criteria that must be taken into account. Because cash legal entities on bank accounts are not insured, then in the event of bank bankruptcy you can irrevocably lose all your money. IN Lately no longer uncommon - review Central Bank licenses from commercial banks.

Important!
One of my friends lost more than 3 million rubles. in one of the banks as a result of its bankruptcy. Neither the state nor the bank returned this money.

II. Maintenance cost— includes commissions, monthly and additional payments for servicing the current account. One of the important criteria along with the reliability of the bank.

Personal experience:
When I opened a current account for the first time, I noticed that most banks have almost no different functionality, but the price for services differs several times. Therefore, it makes no sense to overpay for the services of a current account (especially when the business is not yet making money)!

III. Availability and functionality of Internet banking. Since in modern times Any payment transaction can be carried out via the Internet without visiting the bank and waiting in queues, then the presence of Internet banking is a very important addition to your current account.

The functionality of online banking is also important, so that it is clear and easy to use.

IV. Opening cost- This is a one-time amount of money paid for opening a current account. On average, the cost of opening a current account ranges from 500 to 2,000 rubles. Some banks do not charge money at all for opening a bank account. Not the most important criterion, but it is also worth considering.

V. Interest on balance- this is the monthly amount accrued on the account balance in accordance with the current interest rate. A good addition to your current account so that your money always works.

Even 2-8% interest per annum can provide good additional income!

2. Which bank is better to open a current account for an individual entrepreneur or LLC in 2020: TOP 8 banks - review of tariffs

For all tariff plans.

For free: mobile and internet banking, SMS info, salary and corporate cards.

The operating day is almost a day: from 1 to 21 hours Moscow time.

A current account is opened online in 3 minutes, all necessary documents will be delivered to your home or office free of charge.

+ there is built-in free accounting! If necessary, you canconnect trade acquiring - from 1.79% to 2.69%.

Eat. Great.

One of the best online banks in Russia. Clear and simple interface. Fast processing of transactions. Completely free. Additional affiliate bonuses are provided: for advertising, online accounting, corporate communications...

IV. Opening cost. For free.

V. Interest on the balance. Eat. High.

Tariff "Simple" - up to 4% on the balance. Tariff “Advanced” and “Professional” up to 6% on the balance.

You can go to the bank’s website and find out all the benefits of a current account

2. Modulbank

I. Reliability — 4 out of 5 points. Above average.

The bank has existed since 1992. Stable bank. Since 2016, it has been working only with small businesses. Commercial bank, without the participation of state capital. Sovcombank owns 24% of the shares.

I I. Cost of maintenance. Low.

There are 3 tariffs to choose from:

1. Starter — 0 rub.
— Free payments are not provided. Carrying out 1 payment transaction will cost 90 rubles.
— The commission for withdrawals depends on the withdrawal amount: 1% (up to 100 thousand rubles), 3% (from 100,001 to 300,000 rubles), etc. Depositing funds at Modulbank offices and ATMs is free, through other banks - according to the commission of a third-party bank.
— Transfer to cards/accounts of individuals — 90 rubles.
— One free corporate card.

2. Optimal— 490 rub.
— Making 1 payment will cost 19 rubles.
— When withdrawing cash up to 50,000 rubles/month. there is no commission, up to 300,000 - 1% commission, up to 500,000 - 3% commission, etc. Depositing money into a current account at Modulbank offices and ATMs is free; through other banks and ATMs, third-party bank commissions are charged.
— Transfer to cards/accounts individuals— 19 rub.
— Corporate cards — 2 free.

3. Unlimited— 3,000 rub.
— Unlimited number of non-cash payments.
— For withdrawals up to 100,000 there is no commission, up to 500,000 - a 1% commission, up to 1 million rubles - a 5% commission, over 20%. There is also no commission for depositing funds, provided that the deposit is made at the offices and terminals of Modulbank and its partners.
— Free transfers to cards/accounts of individuals.
— 5 free corporate cards.

For all tariff plans.

Free Internet bank,mobile banking, SMS notification.

Operating day: from 9 to 20:30. Payments are credited in 10 minutes.

It is also possible to open a current account via the Internet and immediately receive its number. The contract will be delivered to you at any convenient time.

III. Availability and functionality ь Internet banking. Eat. Great.

Modern, clear and simple online banking. One of the best.

IV. Opening cost. For free.

V. Interest on the balance. Eat. Average.

No interest is accrued on the “Start” tariff, 3% on the balance on the “Optimal” tariff, and 5% on the “Unlimited” tariff.

You can find out more about the current account in ModulBank!

3. Ural Bank for Reconstruction and Development

is another popular bank that provides free conditional services for a current account.

I. Reliability — 4 out of 5 points. Above average.

The bank was founded back in 1990, one of the largest banks in the Urals. Included in the TOP-50 credit institutions in Russia. Without the participation of state capital.

II. Maintenance cost. Below average - Average.

Tariff conditions vary significantly in different cities. Generally, in large cities with a population of over a million, service tariffs are significantly higher than in other cities of the country. At the same time, in cities with a population of over a million, there is no possibility of free service.

The bank offers a lot of tariffs, we will look at the 2 most optimal ones.

1. Tariff “Everything is simple” — 0 rub. (from 300 rub./month in large cities)
— The cost of one payment is 55 rubles (without subscription fee) and from 22 rubles. (if you have a subscription fee).
— Cash withdrawals through UBRD ATMs — 1%, through ATMs of third-party banks — 3%. Depositing cash in some cities is free, in others from 0.1%.
— 1 free corporate card.
— SMS notification — 39 rubles/month.

2. Tariff “Online” — from 350 rub./month

— Making 1 payment costs from 19 rubles. depending on the city.
— The commission for cash withdrawal is the same: 1% at UBRD ATMs, at other ATMs — 3%. The commission for depositing funds into an account depends on the city, in most cases it is free, in others it is from 0.1%.
— One corporate card is free.
— SMS notification — 39 rub./month.

For all tariffs.

Free Internet banking,mobile bank (view transactions).

Operating day: from 9 to 18:30.

You can submit an application for opening a current account via the Internet, and a bank specialist will come to you at a convenient time to complete the documents.

III. Availability and functionality of Internet banking. Eat. Average level.

Internet bank is average in terms of functionality.

A huge drawback is the virtual absence of a mobile bank. Through it you can only view account transactions, but to create a payment transaction you will have to use full version Internet banking.

IV. Opening cost. For free. In some cities and tariffs - from 700 rubles.

V. Interest on the balance. No.

No interest is charged on the balance.

1.2 Current account in the largest banks in Russia - TOP 5 banks

The reliability of these banks is the highest, since they are for the most part key financial system Russia, and their bankruptcy will mean that there are very serious problems in the entire economy. Moreover, even in conditions of a deep crisis, they will be financially supported by the state.

As you yourself already understood, the risks of bankruptcy of such banks are extremely small. However, with regard to the cost of service, the price, as a rule, is an order of magnitude higher than that of “second” tier banks.

1. Sberbank

4. Bank Tochka (Opening)

5. Raiffeisen Bank

5. Conclusion

In any case, when choosing a bank, proceed from your own preferences and needs. If you have already had experience working with banks and have something to share, leave your opinion and feedback in the comments below.

Also if you find more profitable terms in other banks, write about it, I will definitely do a review and add it to the article.

That's all for me! I wish you successful business!

Recently, many banks have been reluctant to open accounts for new clients. Often the legal address is the formal reason for refusal. The fact is that credit organizations, under pressure from the “recommendations” of the Central Bank, have tightened the requirements for verifying information about a legal entity when opening an account. And since there is nothing special to check for new companies, it was the legal address that received especially close attention. It is this prop, according to tax service and other inspection bodies, may contain an indication of the company’s involvement in so-called fly-by-night scams. Bulk registration addresses are compromised and their use can lead to negative consequences. One of them is the bank’s refusal to accept the organization for settlement and cash services.

However, as we learned, there are banks in Moscow that have a more loyal attitude to the mass nature of legal addresses. According to unofficial information that we received from our colleagues - employees of law firms, some Moscow banks open current accounts for companies day after day without any verification of the legal address, including without on-site checks. Therefore, we have a question: which banks are the most loyal? We tried to compose popular rating friendly banks.

Lanta-bank

Opening an account within 20-30 minutes without on-site verification, there is a “client bank”, advance notice until 17:00, accounts in rubles and foreign currency, 6 branches in Moscow, there are branches in other cities, a corporate card is provided.

Usually opening an account takes 2-3 days, but it can take three hours if you pay an additional fee of approx. 3000 rubles, you can submit an application by power of attorney, no rental agreement is required, a card with signatures can be certified by a bank employee.

RosEvroBank

There are 12 bank branches in Moscow, many branches in others Russian cities, there is a “Bank-Client” system, support (call center). When opening an account, documents confirming the location of the company at its legal or actual address are not requested, on-site inspection is not implemented. Corporate cards, own ATMs.

Interregional Postal Bank

The card with signatures can be certified by a bank employee. Opening a current account occurs quickly, an on-site inspection is not carried out, but it is necessary to provide an information letter about the actual address of the location of the sole executive body of the LLC and a lease (sublease) agreement for the right to use legal address, as well as a certificate of ownership of the premises specified in the contract, certified by the owner of the premises or notarized.

A card with one signature, can be certified by both a notary and a bank employee, there is a client bank, you must provide a letter in any form containing information about your presence at the legal address permanently acting body management of the company. In this case, supporting documents are provided: contracts, agreements, certificates.

During its practice, the Megapolis company has developed friendly informal relations with some banks. We assist our clients in opening an account and help them avoid problems that may arise during this simple but very important procedure.

An approximate set of documents for opening a current account

The requirements of banks for the documents presented for the procedure for opening a current account may differ, since each of them has its own technology for verifying client data. However, we recommend that when going to the bank, you collect a package of the following documents, which will certainly not be superfluous.

• Original or notarized copy of the charter of a legal entity.
• List of shareholders (for OJSC, CJSC).
• Certificate of state registration.
• Certificate of registration in tax authority V Russian Federation
• Licenses (permits).
• Information letter from the state statistics body about registration in the Unified State Register of Industrial Organizations or in the Statregister of Rosstat.
• Certificate of entry into the Unified State Register of Legal Entities.
• An extract from the Unified State Register of Legal Entities, the date of issue of which is no more than one month before the date of submission to the bank if there have been no changes in the information presented in the extract during this month.
• Documents confirming the powers of the sole executive body, chief accountant, representative of a legal entity, other persons signing documents (specified in the card), including:
• protocol (decision) of the authorized body on appointment to a position;
• order on taking up a position (employment);
• power of attorney for a representative;
• identification documents of the sole executive body, chief accountant, representative of a legal entity, other persons signing documents, for example, a passport of a citizen of the Russian Federation.
• Documents confirming the location of the sole executive body of a legal entity, for example:
• Certificate of ownership of real estate;
• Lease or sublease agreements, other documents confirming that the client owns (uses) the premises at the address specified in the constituent documents.
• A card with sample signatures and a seal imprint (certified by a notary or, in some cases, by a bank employee).
• Application for opening an account (filled out according to the bank’s form).

Hello! In this article we will tell you where to quickly open a current account, whether it is possible to open an account free of charge for LLCs and individual entrepreneurs, what documentation is needed for this, and which banking organizations offer prompt reservation and opening of a current account.

Why do you need a current account?

The task of opening a current account will sooner or later face any person who does business. And it doesn’t matter whether you are in Moscow or in a region remote from the center.

Opening a current account for individual entrepreneurs and LLCs is a pressing issue, and even more so with the advent of online cash registers. If individual entrepreneurs are not limited by strict limits (they can), then legal entities. persons are required by law to do this.

Having a PC will allow you to:

• Make payments without visiting a banking institution;
• Store your company's funds without fear for them;
• Control the movement of funds;
• Work by bank transfer with clients and business partners.

Options for quickly opening a current account

There are several of them. They are designed to help the business owner and speed up the opening process.

In online mode

A very convenient way. You don't even have to leave your office or apartment. On the website of the banking organization you have chosen, you need to leave an application, attach several documents with your signature and wait for the manager’s call. In some cases it takes thirty minutes, in others a little more.

Via phone call

Also a convenient option. You call a specialist, provide some of your information, make an appointment and open an account. Moreover, there are banking organizations whose specialists will come to you to open an account.

How to choose a bank

When choosing a banking organization, experts recommend focusing on the following parameters:

• How quickly an account is opened and Internet banking is connected;
• Is there Internet banking and applications for various devices?
• How profitable are the terms offered?
• Is interest calculated on the account balance?

Therefore, you should contact a bank whose conditions will completely suit you, or whose advantages will completely compensate for the presence of small disadvantages.

Which banks open a current account quickly and free of charge?

Now we propose to consider those banking organizations where you can quickly and freely open a current account for individual entrepreneurs and legal entities. persons

In all the banks presented below, your money is insured by the state. And this speaks of their reliability.

Bank "Tochka"

It operates on the basis of the well-known Otkritie Bank, which is one of the ten systemically important banks in Russia. This speaks volumes about the reliability of Tochka. The bank offers excellent conditions for opening a current account and cash settlement services in general.

Among its obvious advantages:

• an account is opened for free and reserved in 5 minutes;
• account servicing tariff - from 0 rubles per month;
• You can make up to 100 payments per month for free.

To open an account, you just need to fill out a special form on the bank’s website, leave your phone number and email address.

Important! Of all the banks, only Tochka allows you to open an account in 20 minutes without calls or meetings with bank employees. But the service is available only for individual entrepreneurs. You can open an account yourself in 20 minutes, but you need a computer or phone with a camera to verify your identity with the service.

More details on the Tochka website

To reserve an account, you need to attach screenshots of several documents. They will be considered as quickly as possible, of which you will be notified by phone call or email.

For IP you need to attach:

• photocopy of passport;
• copy of TIN and OGRNIP.

For LLC:

• photocopy of the manager's passport;
• copy of TIN and OGRN.

When you meet with a specialist in person, give him the rest of the documentation and sign the contract.

As for the tariffs, they look very attractive. For example, a full package of services for individual entrepreneurs using the simplified tax system costs from 3,500 rubles per year.

Tinkoff

The bank is very progressive and very attractive to clients. Perhaps the only downside is the lack of its ATMs; this forces you to use ATMs of other institutions. But Tinkoff has provided for this too: withdrawing cash from partners - WITHOUT commission.

As for the advantages:

• the account opens quickly;
• the set of documentation for opening is minimal;
• account details are issued immediately;
• accrues up to 8% on the account balance;
• if your individual entrepreneur is less than six months old, you receive free bank service for six months.

To open an account online, an individual entrepreneur just needs to provide:

• copy of passport;
• copy of TIN.

For LLC (plus the above documents):

• constituent documentation;
• Charter

The account can be used immediately, it opens in a few minutes.

The bank also has three types of tariffs, services for which start from 490 rubles per month.

A big plus is that there is a tariff with free service!

Specializes in cooperation with small and medium-sized businesses. A current account opens within a few minutes; all you need to do is register on the official website and fill out the form. After this, you receive all the details of your account and can use it.

To sign the contract, the account manager will come to your office.

There are three T arifa to choose from: from completely free to 4900 rubles per month. A suitable tariff is also selected and connected online.

If you choose a paid plan, % will be charged on your account balance. Moreover, it is calculated according to the average balance per day, and not according to the minimum amount for the month.

As for the documentation for opening an account, the package is as follows:

• photocopy of passport;
• OGRN/OGRNIP certificate;
• for LLC - Charter and order on the appointment of a manager.

Sberbank is the largest bank in Russia, which allows us to have no doubt about its reliability. And thanks to the new line of tariffs, doing business becomes as convenient as possible.

Among the obvious advantages of the bank are the following:

• you can open an account online;
• Convenient Internet banking frees you from waiting in queues;
• a large number of 24-hour ATMs;
• dedicated phone line for business representatives, which means that you don’t have to wait several minutes for an operator’s response.

To open an individual entrepreneur account you will need the following documents:

• passport;
• data from the Unified State Register of Individual Entrepreneurs;
• card with employee signatures;

LLC needs to prepare such a package of documents:

• Charter;
• data from the Unified State Register of Legal Entities;
• passports of persons having access to the account.

The bank has in its arsenal a free package of services for beginning entrepreneurs. The maximum cost of service per month is 3,100 rubles.

Loko-Bank

Loko-Bank specializes in servicing small and medium-sized businesses. The advantages of maintaining an account with this bank include the following:

• account opening is carried out in a matter of minutes online;
• You can monitor the status of your accounts in your personal account 24/7;
• account replenishment is available anywhere in the Russian Federation;
• funds are credited to the account on the day of transfer.

In order for the bank to open an account, the LLC needs to prepare:

• Charter;
• list of participants;
• manager's passport.

IP must be transferred to the bank:

• passport;
• card with signatures of authorized persons.

The bank offers three service tariffs from 0 to 4990 rubles per month. Any tariff includes free payments within the bank, and also accrues interest on the account balance.

Vesta Bank is aimed at working with entrepreneurs, and individual terms of service are available to each client. At the same time, the quality of the services provided remains high, and the bank itself continues to occupy high positions in banking ratings.

The advantages of maintaining an account with Vesta Bank are obvious:

• simple and fast account opening procedure;
• All tariffs include free connection and use of Internet banking;
• low commissions for transfers;
• crediting payments “day to day”.

The package of documents for opening an account in Vesta Bank is minimal:

• businessman's passport;
• TIN number;
• Charter - for LLC.

The bank offers a free tariff for beginning entrepreneurs. For those whose business is confidently climbing the mountain, the maximum service per month will be 3,000 rubles.

Vostochny Bank works with all business representatives and offers very attractive service rates. Maximum attention is given to beginning entrepreneurs and those who are accustomed to working with non-cash payments.

We present to your attention the main advantages of opening an account with Vostochny Bank:

• you don't have to pay to open an account;
• free certification of documents for new clients;
• there are no additional payment fees;
• For regular customers, the bank holds promotions and offers discounts on services.

To open an account you will need:

• passport;
• extract from the Unified State Register of Individual Entrepreneurs/Unified State Register of Legal Entities;
• signature card;
• financial statements;
• Charter - for LLC.

The bank has two new tariffs costing 490 and 8990 rubles per month. They are suitable for clients wishing to make a small number of payments via online banking.

The Ural Bank for Reconstruction and Development is one of the most reliable banks in the Russian Federation. And high-quality service and ease of connecting services make it an indispensable assistant for many entrepreneurs.

Advantages of servicing at the bank:

• free opening of a current account for all clients;
• You don’t need to go to the bank to transfer documents; a personal manager will come to your office;
• free installation and configuration of Internet banking;
• extended working hours, allowing you to send payments at a convenient time.

New bank clients need to prepare documents to open an account:

• Charter - for LLC;
• extract from the Unified State Register of Individual Entrepreneurs/Unified State Register of Legal Entities;
• passports of persons who will manage the account.

A bank account can be opened as a legal entity. individuals and individual entrepreneurs. A division of Tochka Bank, which we wrote about above, operates on the basis of this banking organization specifically to work with entrepreneurs. Therefore, when considering Otkritie Bank, open an account immediately at Tochka.

The advantages of opening an account here are as follows:

• the first two months the account is serviced free of charge;
• You can reserve an account number immediately online.

The range of tariffs includes service packages starting from 0 rubles per month.

If you will be opening an account in the office, collect a package of documentation.

So, if you are an individual entrepreneur:

• statement;
• USRIP certificate;
• Your passport;
• license (if necessary).

For LLC:

• statement;
• constituent documents;
• applicant's passport;
• passports of all persons authorized to sign;
• information about the financial viability of your company.

Please contact the office where the account will be opened with these documents.

Bank comparison table

Where to open a current account urgently

Various situations may arise when doing business, and sometimes a current account needs to be opened urgently. This opportunity is provided by Modulbank, Tochka, Tinkoff, SKB-Bank. Moreover, both for individual entrepreneurs and LLCs. Despite the fact that opening takes several hours, you can use it immediately as soon as you reserve on the site.

In principle, you can contact any of the banks listed in the table and use your current account as soon as you reserve it.

Go to the bank’s official website, fill out the required form and start using your current account in a few minutes!

Last update: 01/21/2020

Reading time: 11 min. | Views: 9137

Hello, dear readers of the financial magazine “site”! In this article we will tell you how and where it is more profitable to open a current account for individual entrepreneurs and LLCs, what documents will be needed to open an account, and which banks provide services for opening and servicing current accounts for individual entrepreneurs and organizations.

From the article you will learn:

• Why should individual entrepreneurs and LLCs open a current account?
• How quickly and where best to open a current account;
• Advantages and features of having an account with a company.

All owners of large and small companies, individual entrepreneurs and managers of enterprises and organizations need to know about the current account.

If you want to know how to open a current account quickly and profitably, then read our article further. So let's go!

To learn how to open a current account for an individual entrepreneur or LLC and what documents you will need to open a current account in a bank, read this article

1. What is a current account and why is it needed - definition + advantages of settlement account 📋

According to the legislation of the Russian Federation, all legal entities can keep their funds in a bank account.

Checking account - this is a bank account that has a unique number assigned to the client, for the purpose of his identification, for non-cash payments during economic activity, payment of taxes and other payments.

Accounts can be opened both for legal entities (individual entrepreneurs, LLCs, etc.) and for individuals. main feature current account in that it is opened for the purpose of carrying out commercial (or other) activities.

Good to know: a current account is not opened to accumulate money; interest is not accrued on it (with rare exceptions). It is necessary for the current activities of the company.

Advantages (+) of having a current account

A company with a current account has the following advantages:

Advantage 1. Legal entity status

Having a bank account increases the status of the company, increases the trust of suppliers, and proves that the company is reliable and stable.

Advantage 2. Security of storage of the company's own funds

Non-cash payments are considered the most secure compared to cash payments. The possibility of receiving counterfeit bills, theft, or force majeure is excluded.

Advantage 3. Client's solvency

The presence of turnover on the current account convinces the bank of the client’s solvency. When applying for a loan, he will be offered favorable individual conditions. In addition, there will be no need to provide evidence of the profitability of the enterprise.

Advantage 4. Speed ​​and convenience of transactions

Internet capabilities allow you to make payments online, without mandatory visits to the bank. Payments are made according to the “day to day” system. Funds are deposited quickly, in the system of one bank, without commissions or additional payments.

Advantage 5. Mobile payments

You can make payments from anywhere where there is internet.

Advantage 6. Control over the receipt of funds

Exercising timely control over the receipt of funds from counterparties. You can always monitor receipts to your current account online.

With the help of a current account, a company has the opportunity to pay with suppliers, receive money from customers, pay taxes, withdraw cash for reporting, for wages, household expenses. needs, travel and other expenses, obtaining and repaying loans, and so on.

What documents will be needed to open a bank account for an individual entrepreneur (IP) or a limited liability company (LLC) - you will find out below

2. Necessary documents for opening a current account for individual entrepreneurs and LLCs 📑

Banks have different requirements for opening accounts. Sometimes credit institutions hold special promotions to attract clients; they involve the provision of a simplified package of documents.

Standard requirements of banks for documents when opening a current account:

• Constituent documents of the organization: Charter, decision to create an enterprise (protocol of the decision, if there are several founders), constituent agreement.
• Orders of appointment director, chief accountant (if necessary).
• Passports of persons, who will have the right of first and second signatures in the bank.
• Extract from the Unified State Register of Legal Entities or Unified State Register of Individual Entrepreneurs, made for a period of no more than 3 months.
• Certificates of presence/absence of debt on taxes and fees.
• When submitting documents by an authorized person, documents confirming his authority.
• Seal(in the presence of).

To save time, you can open a current account via the Internet, with mandatory subsequent submission to the bank original documents.

A card with sample signatures is filled out at the bank. You must be very careful when putting your sample signature, all operations on the account will be carried out using it in the future, and if the operator finds the signature different from the original, the documents may be returned without execution.

In order to transfer funds to a current account, it is not enough to know only its number. Bank account details are required, which are indicated in the bank account agreement concluded between client And bank.

All legal entities are required to open a current account. The legislation provides for the possibility of working without opening an account only for individual entrepreneurs (individual entrepreneurs) working without opening a legal entity.

However, there is a limitation on the maximum amount of a cash transaction in the amount of 100 thousand rubles.

For example : The individual entrepreneur entered into a contract for the supply of materials in the amount of 500 thousand rubles. Payment can only be made by bank transfer, and the entrepreneur will be required to open a bank account.

If the condition is not met, then when checking by the tax inspectorate, fine will be for individual entrepreneurs up to 5 thousand rubles, for LLC in 10 (ten) times more. You can read about it at the link.

This limit does not apply to funds received for wages, for issuance on account, social benefits, for the personal needs of the entrepreneur (this will have to be proven).

The bank may suspend operations on the account at the request of authorized persons.

An account may be seized or card files may be placed in the following cases:

• Late payments to the budget.
• Delays in filing income tax returns.
• Judicial claim.

You can close an account in the following cases:

• Decision of an authorized person.
• Liquidation or .
• Bankruptcy.
• Judicial decision.

If, upon closing an account, there is a balance on it, at the request of authorized persons, it is transferred to another account or withdrawn in cash.

Today, businesses can have multiple accounts with one or more banks.

3. In which bank to open a current account for individual entrepreneurs and LLCs - 5 main criteria for choosing a bank 📊

Having registered a company, you need to decide on the bank in which the current account will be opened.

Let's consider the main criteria when choosing a bank to open a current account.

Criterion 1. Stability of the credit institution

The safety of the company's funds will depend on the reliability of the bank.

Must be remembered , that the balance of funds in the bank account is not insured by anyone (unlike private deposits); if the bank goes bankrupt, the company may wait a long time for the return of funds.

Criterion 2. Tariff schedule and commissions (cost of service)

The second most important selection criterion is the tariff plan used for opening and servicing an account. The difference in tariffs in different banks can be very significant, regardless of the level of services provided. Therefore, it is necessary to choose a suitable tariff plan.

Banks charge a commission for opening a current account, its amount can be from 100 rub. up to several thousand . You can find a lending institution that offers open an account for free, but an increased rate may apply for the service.

Below in the article we will present the optimal tariffs in stable and reliable banks.

Criterion 3. Availability of Internet banking

Internet banking has now become a necessary element of the functioning of an enterprise. It allows you to make payments fast, mobile, without visiting the bank.

Important to know the opinion of bank clients about the existing Internet bank, since the system may not be mature and inconvenient to use.

Criterion 4. Calculation of interest on account balance

Some credit institutions offer an accrual service income interest on the balance of funds on the current account. This is usually done for important clients of the bank, in order to attract and accumulate all the client’s funds in one credit institution. The percentage is usually purely symbolic, but carries a positive attitude.

Where is it more profitable to open a current account for LLCs and individual entrepreneurs - rating of the best banks for opening a current account

4. Where is it more profitable to open a current account for an individual entrepreneur or LLC - TOP-8 banks (classification according to tariff plans) 🏨

You can choose a bank based on different criteria; it is important to decide on the most significant ones for a particular enterprise. If a company needs an invoice only For settlements with the tax authorities, you should not choose banks with mobile and Internet applications.

If the organization constantly lacks funds in its account, there is no need to choose tariffs with interest accrual on the account.

4.1. Banks where you can open a current account for LLCs and individual entrepreneurs online free of charge and quickly - 4 modern and innovative banks

Young progressive banks offer good conditions for your clients. Below are TOP 4 bank, where you can open a current account for individual entrepreneurs and LLCs free of charge and online. These banks are the most technologically advanced and have reasonable rates for opening and maintaining a current account.

1) Bank Tochka (Opening)

Bank Point offers convenient service conditions for clients, carries out transfers in the bank’s system around the clock. Tariffs may vary in different regions where the bank operates. The Moscow representative offices of the bank have the most expensive tariffs. Offers Internet acquiring services, mobile acquiring, and carries out transfers with verification of the counterparty. The disadvantages include the insufficient number of offices and representative offices.

The bank has 3 service tariff plans:

1. Lowcost;
2. Economy;
3. Business.

Tariffs for opening and servicing a current account at Tochka Bank (Otkritie):

You can open a bank account in a day and use it immediately. Extended operating day– from 00.00 to 21.00.

The bank offers Internet acquiring services, mobile acquiring, and carries out transfers with verification of the counterparty. What is mobile, shopping and , we wrote in the previous material.

The disadvantages include the insufficient number of bank offices and representative offices.

2) Tinkoff Bank

According to customer reviews, Tinkoff Bank is distinguished by good service, convenient Internet banking, and the ability to open an account via the Internet. This is a young progressive bank that is successfully conquering the financial market. The disadvantages of its work include the lack of an extensive branch network.

The bank has two tariff plans: Simple, Advanced.

Tariffs for opening and servicing a current account at Tinkoff Bank:

It will take only a few minutes to open, and you can use the account right away. The bank has long operating day– from 7.00 to 21.00

The disadvantages of its work include the lack of an extensive branch network.

3) Modulbank

The bank module offers a free tariff plan for small businesses and has a convenient mobile application. According to management, balances on current accounts are insured for up to 1.4 million rubles. The disadvantages of the bank include its unbranched branch network, since the bank is still young and does not have the full trust of customers.

Offers three tariff plans depending on the turnover: Starter, Optimal, Unlimited.

Tariffs for servicing and opening a current account at Modulbank:

A bank account is opened within one day, although you can use it immediately. The operating day is long– from 9.00 to 20.30.

The disadvantages of the bank include a small branch network, since the bank is still young and does not have the full trust of customers.

4) Bank UBRD (Ural Bank for Reconstruction and Development)

The Ural Bank for Reconstruction and Development offers a convenient tariff plan. A special feature of the bank is the ability to call a manager to open an account in his office.

There are 5 service plans:

1. Business package 3 – All-inclusive principle 3 months;
2. Business package 6 – All-inclusive principle 6 months;
3. Business package 12 – All-inclusive principle 12 months;
4. Online – real time;
5. “Everything is simple” - payment only for account transactions.

Connecting tariffs is a paid service, costs from 2.5 thousand rubles.

Tariffs for opening and servicing a current account at UBRD Bank:

The bank opens an account within one day. Standard operating day– from 9.00 to 18.30.

A special feature of the bank is the ability to call a manager to open an account in his office. The bank offers a cheap tariff plan, but paid SMS notifications.

4.2. Current account in the largest banks of the Russian Federation - 4 reliable and large banks

Let's move on to a review of the largest banks in the country with tariffs for opening and servicing a current account for legal entities.

1) Sberbank

Sberbank does not need to offer preferential terms of service; it attracts clients with its reliability and the presence of many representative offices and offices . Therefore, the tariffs for servicing and opening a current account for individual entrepreneurs, LLCs and other forms of entrepreneurship at Sberbank are quite high.

Only “Important” (VIP) bank clients with good current account turnover and using various banking products can count on preferential conditions. As a bonus, Sberbank offers the opening of a second and subsequent current accounts in the online without visiting the bank and submitting additional documents.

To open a current account with Sberbank, it offers 6 service tariff plans:

1. Minimum;
2. Basis;
3. Assets;
4. Optima;
5. Trading Plus;
6. Salary.

Tariffs for opening a current account and servicing it for individual entrepreneurs and LLCs in Sberbank:

The bank is not known for its speed of service; opening an account will take from one to several days. Client service schedule– from 09.30 to 20.00.

Among the main disadvantages of working with Sberbank are its low level of service quality, weak technical support, the duration of request processing.

2) Alfabank

Alfabank also takes advantage of its reliability and stability, there are individual service programs, bonuses and coupons are provided.

Clients note a fairly high tariff plan and strict control over transactions performed by clients.

Tariffs for opening and servicing a current account at Alfabank:

It will take 3 days to open an account with Alfa Bank. Duration of the operating day standard – from 09.00 to 19.30.

3) Avangard bank

Avangard Bank does not offer the best service conditions.

According to customer reviews, the bank has cases of imposition of services and annoying calls, although on average the impression of the bank is positive.

The bank offers the following tariff plans:

1. Base;
2. Extended;
3. All inclusive.

Tariffs for opening and servicing a current account at Avangard Bank:

It will take 1 day to open an account at Avangard Bank. Short operating day– from 09.00 to 17.30.

4) Raiffeisen Bank

The bank is a representative office Austrian banking holding company Raiffeisen Bank International AG». It is among the 20 largest banks operating in the Russian Federation in terms of assets.

Offers average cost service rates. The bank offers 2 service tariff plans:

1. Start;
2. Base.

Tariffs for opening and servicing a current account at Raiffeisen Bank:

It will take 1 day to open a bank account. It has very short operating day– from 09.00 to 17.00, which is a very inconvenient time for clients.

The bank offers average cost tariffs; the Start Internet Bank tariff is paid. Clients note the fact of an attempt to impose additional services on the bank

4.3. Summary table of tariffs for opening and servicing a current account in banks

You need to choose a bank based on your individual needs, choosing progressive technology companies.

The table below provides summary data on the main parameters to get a complete picture of the tariffs for popular banks.

Thus, large banks offer quite expensive service tariffs, which is explained by their position in the financial market. Along with the old stable banks such as Sberbank, Alfa Bank, Vanguard, young promising banks are not inferior in stability and complexity proposed programs. They often offer more attractive rates And good service conditions. All presented banks have a high rating according to rating agencies.

Important! Because some banks offer service for a certain time for free, it makes sense to open accounts in not one, but several banks and see by personal example the convenience and quality of service.

For small business when turnover on the current account is planned to be small but stable, the best options it could be considered Mobulbank , bank Dot , Tinkoffbank . They are distinguished by offering free service for new customers (for several months), they offer free online banking and mobile banking.

If an LLC or individual entrepreneur will receive more than 1 million rubles per month , it is better to choose Sberbank, Alfabank, Avangard Bank, UBRR Bank. They offer customized service programs and are stable and reliable.

Assistance in opening a current account for individual entrepreneurs and LLCs - detailed step-by-step instruction

5. How to open a current account - step-by-step instructions (help) in opening a personal account for LLCs and individual entrepreneurs 📝

Opening an account is a mandatory requirement for legal entities and desirable for individual entrepreneurs. If an individual entrepreneur plans to develop his activities, his account will be necessary for paying taxes, settlements with suppliers, and so on.

So, let's look at the step-by-step procedure for opening a current account.

Step 1. Selecting a bank (credit institution)

An account can be opened in one or more banks at the request of the client. Having chosen a bank, the client contacts its manager to clarify required package documents. After preparing the documents, he fills out an application form.

Some banks offer service for opening a current account online and providing copies of documents, but with mandatory confirmation during a personal visit to the bank. Usually, the second and subsequent accounts of a legal entity are opened online in one bank.

Other banks offer specialist visit to the customer’s office, where the account will be opened on the spot, without visiting the bank.

Step 2. Select a tariff plan

The second important step is choosing the right tariff plan. It depends on the amount of planned turnover on the current account.

Selected individually, it is possible to switch from one tariff plan to another. This procedure is usually free for clients.

Step 3. Paperwork

At the bank, the client fills out a sample signature card, an agreement for opening and/or cash management services is concluded (sometimes it is presented in the form of an offer agreement on the company’s website and does not require a separate signature). We wrote about what RKO () is and why it is needed in one of our articles.

It is also necessary to sign documents for additional services.

When opening a bank account, all authorized or trusted persons must be present (the power of attorney must be notarized). Compulsory The condition is confirmation of authority.

Step 4. Setting up additional services

After signing the documents, Internet banking or client banking, mobile banking, acquiring, and so on are configured.

And why it is needed, read our previous publication.

If the client is poorly versed in the legal intricacies of opening and maintaining a current account, he can contact specialized companies that provide services for preparing and verifying all documentation for opening an account. Their experience and knowledge of legislation will help in solving all emerging problems.

6. How to find out an organization’s current account - 4 simple ways 📄

Let's look at some simple ways determination of the organization's current account.

Method 1. To find out your current account number, just look at the agreement concluded between the bank and the client.

If you want to find out the account number of a third-party organization to which you are going to transfer funds, you can also look at it at the end of the agreement.

You can find out the current account of an organization (IP) using the details at the end of the agreement

Method 2. If you have activated the Internet banking service, you can go to your personal account and find the necessary information there.

Method 3. You can find out the organization's current account via the Internet (tax service website - ( egrul.nalog.ru ))

You can find out the organization's current account via the Internet and the federal tax service

Method 4. If the listed options did not help you find out the organization’s account, then the most obvious way is call the bank .

To conclude agreements/contracts for the supply of goods and services, you must know the details of a legal entity. They are usually written at the end of the contract, in the section: “ Addresses and details of the parties". Without details of a legal entity impossible transfer of funds.

Details include:

• Organization name, account number.
• Name, BIC, INN, COR/ACCOUNT, KPP of the bank.

If you provide incorrect details, the funds usually get stuck with the bank and wait for confirmation to be credited. The client must notify the credit institution in writing of the exact payment details.

7. Frequently asked questions (FAQ) 💬

Let's look at some questions that entrepreneurs often ask when registering their business.

Question 1. Where is it more profitable to open a current account for an individual entrepreneur?

An individual entrepreneur can open an account with one or more credit institutions at his discretion. High competition forces banks to fight for each client, offering favorable terms of service.

The main points to pay attention to when choosing a bank:

• Operation stability, stability, high reliability rating credit organization. This information located on the website of the Central Bank and various rating agencies.
• Tariff plan offered by the bank. It is worth noting that young progressive banks offer cheaper rates than credit institutions that have already gained authority in the financial market.