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How to open a checking account. In which bank is it better to open a current account for an individual entrepreneur? Choosing the best bank for entrepreneurs

You can open an account for free by completing any of the service packages. When choosing the "Easy start" package, not only opening an account will be free, but also its maintenance. You can learn more about this package at .

How much does it cost to maintain a checking account?

If you choose the "Easy start" package, the account maintenance will be free of charge. You can learn more about the cost of servicing other packages at.

Is it possible to open a current account without connecting a service package?

You can open an account without a package of services. But the service package will help you save on maintenance, as it includes the services you need at a bargain price. At the same time, you can choose a free service package "Easy start" without a subscription (monthly) fee.

Is it possible to open a current account with an online cash desk?

After filling out an application for opening a current account, you can immediately fill out applications for Internet acquiring and connecting the Evotor online cash desk. When your current account is opened, you will be able to accept online payments from customers on your website or in an online store, using a convenient and modern online cash desk operating under 54-FZ.

Is it possible to simultaneously register an IP through Sberbank and open an account for it?

To prepare documents for registering an individual entrepreneur, use the convenient service. After you visit the Federal Tax Service and receive the IP registration documents, you can open a current account with Sberbank for free.

How many accounts can I open?

As part of the Easy Start service package, you can connect a single bank account. There is no restriction for other service packages.

Is it obligatory to draw up a signature card when opening an account?

You need to issue a card with samples of signatures and a seal imprint only if you are going to make debit transactions from your account using paper documents: a payment order drawn up on paper, or a check for issuing funds. If you work with the bank remotely and send payments through Sberbank Business Online or using another system, it is not necessary to issue a card with sample signatures and a seal. Without issuing a card, you can make electronic payments, deposit funds into your account, use the self-collection service and use a business card issued to your account.

How much does it cost to issue a signature card?

Each signature, which will be recorded in the card, costs up to 500 rubles. The exact amount depends on the rates in your area. To find the tariffs you need, go to the page "Tariffs for opening and maintaining a current account", open the full version of the tariffs and go to the "Other services and references" section.

Does my green stamp violate any requirements for opening an account?

No. The print color requirement has been removed. For convenience, you can use the service of online reservation of a current account and get an account number in 5 minutes.

Is it necessary to open a special account to work within the framework of 44-FZ and 223-FZ?

Yes, it is necessary, while it is enough for you to have a valid current account and during the transition period from the start date of the possibility of opening a special account, transfer it to the status of a special account of a procurement participant. It will be possible to do this by concluding an additional agreement or an application for accession to the Conditions for opening and maintaining a special bank account of the procurement participant under the Constructor Agreement. The Bank will immediately inform customers about the possibility of opening special accounts on the Bank's website. Prior to the start of work of electronic trading platforms, according to the new rules for conducting electronic procedures (but no later than 01.10.18), participants in the procurement do not need to open a special account for the participant and all procedures for participating in procurement are carried out in the same order.

How is the transfer fee for individuals calculated?

Individual entrepreneurs can make transfers to the accounts of individuals for a total amount of up to 150,000 rubles per month without commission (legal entities pay a commission of 0.5%). Further, the tariff depends on the total amount of transfers sent from the beginning of the month by the individual entrepreneur or organization. You can learn more about how to calculate the commission for transferring to accounts of individuals by following the link.

If you have opened a limited liability company, then you definitely need a bank account, this is required by the Tax Code of the Russian Federation. The procedure for opening such an account is quite simple, but if your LLC does not yet have an accountant, and this is your first time doing such things, then you still have to tinker with papers. In this article, we will consider the following questions: where and how can you open a current account for an LLC; what package of documents you need to collect to open a current account; how much will be required to cover the costs of opening a bank account.

At the moment, almost all banks in the Russian Federation provide services for opening and maintaining settlement accounts for legal entities. Differences can only be in terms of customer service and the cost of services provided by credit institutions. Prices for settlement and cash services often differ significantly, but here each entrepreneur himself decides on choosing a different bank for his LLC.

Where to open a current account for LLC

At the moment, the cost of the service for opening a current account for an LLC is in the range of 1,500 to 5,000 rubles, although some grandmas offer to open a current account for free if you conclude an RKO agreement with them (settlement and cash services). But for cash settlement accounts, you will have to spend annually from 1,000 to 20,000 rubles, depending on the price list of a particular bank. But even here there are marketing traps, when they don’t take money for the fact of cash settlement, but the bank earns at the expense of interest and commissions on transactions of a legal entity.

So, before you go to a particular bank to open a current account, you should either independently or by instructing the chief accountant of the organization to conduct a comparative analysis of bank offers on the subject, Where is the best place to open a bank account? depending on your turnover, number of payments, etc. When different options are being evaluated, it is important not to overlook the following points:

Conditions for issuing credit funds and whether there is such a possibility at all;
How much will you have to pay to open a current account;
How much does the settlement and cash service of a bank account cost per month;
Does the bank have an online account and what is the cost of using it;
Terms of execution of payment orders.

After analyzing these conditions, you will be able to decide on opening a current account in a particular financial institution, and then proceed to collect the required package of documents.

What documents are required to open a bank account

If you have to open a bank account for an LLC, it is better to study in advance the question of what package of documents you need to collect. Keep in mind that each credit institution sets the requirements for the list of documents itself, so the package of documents may have significant differences.

Here is a list of documents that you will need in any case:

Certificate of state registration of a legal entity.
LLC Charter.
Certificate of tax registration.
Extract from the Unified State Register of Legal Entities. We draw your attention to the fact that today many financial organizations accept an extract in electronic form - it can be obtained on the official website of the tax service. Such a document will be generated in a matter of minutes, and you will not need to pay anything for this service. This will save you time. Although, at present there are still banks that may require a certified statement. To order it, you need to contact the tax office.
Documents for citizens, which will be indicated in the bank registration card. In most cases, the conversation is about the chief accountant or the head of a legal entity. Documents mean:

papers that can confirm the powers of the persons mentioned above. This is an order on the appointment of an accountant, a protocol (order) on the appointment of a director;
copies of identity documents - passports. Some banks may request notarized copies.

In addition to this list of documents, the credit institution will ask you to fill out a set of forms that have been approved by this particular institution. Among them is an application for a bank card and opening a current account (here the signature is put by the director). If we talk about a bank card, then it is filled in in the presence of bank officials. In addition, the following procedures will be carried out:

signatures of representatives of the organization are put;
original seals will be affixed;
the authenticity of seals and signatures is certified by employees of the credit institution.

Additional documents for filling in the bank form can be downloaded on the official website of the bank or received directly from the employee at the branch.

Scheme of opening a bank account for LLC

When you have analyzed the services available in various banks for opening a current account, compared their cost, found out the necessary package of documents, there is only one thing left - to choose a bank for further cooperation. Now you need to collect the necessary package of documents and contact the bank. Further, the financial specialist of the institution will help fill out a bank card, and the operator will accept a package of documents. Next, you will need to pay for the procedure for opening a current account in accordance with the tariffs established in this bank.

After all these procedures have been completed, you will be issued a certificate of opening a current account - it will be certified by the seal of the bank and the signature of its representative.

How to open a current account in Sberbank for LLC

As you know, at present, consumers are provided with a huge selection of financial organizations for cooperation, but Sberbank of Russia still holds the palm. You can promptly open a current account for LLC in this institution, and this can be done online. Through the Internet, you will receive information about the required package of documents and reserve a current account. If you go to the official website of Sberbank of Russia, then a standard form of an agreement for opening an account will be available there. In addition, you will be provided with guidance on how to properly fill out payment orders and the necessary documents.

A significant advantage of this organization is a developed system of Internet banking, as well as convenient versions for a mobile phone and other modern assistants in the life of a business person. Also of the advantages can be noted:

acceptable for many companies the cost of servicing an account;
ease of use of a package of banking services;
institutional stability;
low degree of risk.

It is these aspects that determine the popularity of Sberbank of Russia among companies.

In addition, if you want to become a client who will later use banking services as part of acquiring or payroll programs, then, as a rule, Sberbank will offer you preferential terms for opening and maintaining accounts.

We also draw attention to the fact that this financial institution provides a number of services for which you do not have to pay a penny. For instance:

The bank allows you to transfer money to the current account.
In some cases, you can carry out a free operation to write off funds.
The bank makes it possible to obtain an extract from the card index, statements on current operations on a client account.
You can close your account free of charge.
If you are a non-profit organization whose purpose is to organize charitable events for people with disabilities and veterans, then you also do not need to pay an account maintenance fee.

Reasons for refusal to open an account for LLC

You need to understand that there is a possibility of receiving a refusal to open a current account, and bank employees can do this for many reasons.

For example, federal laws allow such cases in situations where a legal entity has provided false information, indicating the incorrect address of its location. If such situations took place, then authorized persons of the credit institution had the right to come to the address indicated in the documents in order to make sure that the LLC is located there and the data are correct.

You can also get a refusal in the case of the so-called mass address - this is when several legal entities are registered at the same address. In such situations, as a rule, the refusal is initiated by the security service of the credit institution.

They will refuse to open a current account if violations of Russian legislation were noticed on the part of the limited liability company.

It is worth noting such an important point - the bank is not obliged to inform potential customers about the reasons that served as the basis for the refusal.

What to do after opening a LLC bank account

For example, you opened accounts for an LLC in a particular bank, and now you are asking the question, what to do after that? Several years ago, it was necessary to notify the territorial body of the tax service, the Pension Fund of the Russian Federation, the FSS within a week from the moment the account was opened, in accordance with the procedure regulated at the legislative level.

To notify, it was necessary either to personally apply to the mentioned bodies (this task can be performed by any employee of the organization or manager). Or notify government services by mail by sending the necessary package of documents to the appropriate addresses. It was necessary to attach a copy of the bank certificate on opening a current account. And if the company violated the deadlines for notifying the opening of a current account specified by law, sanctions could be applied to it. To date, the situation has been simplified and enterprises do not need to notify the Federal Tax Service, PFR, FSS. After you have opened bank account for a limited liability company, all information is sent to the relevant federal services automatically, and you can do your own business.

When all the formalities for opening an individual entrepreneur in the tax authorities have been settled, there are some nuances that need to be thought out even before you start your business: the choice of a tax regime, accounting, printing.

Why does an individual entrepreneur need a checking account?

One of the questions that often arises for a novice entrepreneur is whether he needs a bank account. A bank account is not required for an individual entrepreneur. It is usually opened by those who plan to work with legal entities and individual entrepreneurs by bank transfer.

Here it is worth paying attention to the fact that it is possible to make payments between individual entrepreneurs or in a combination of “IP - legal entity” in cash, however, the legislation limits such payments to an amount of up to 100,000 rubles per contract. For business entities, this means that a one-time contract that does not exceed the announced amount can be carried out in cash, but for the sake of systematic payments under the same contract, a current account for individual entrepreneurs will still have to be opened.

Many organizations fundamentally work only by bank transfer, so for them the absence of a bank account from a company is a good reason for refusing to cooperate. In modern business, a current account with an individual entrepreneur is a sign of “good tone” and “seriousness” of an entrepreneur. Considering that most organizations, as well as individuals, are increasingly moving to online services, including in banks, having accounts is no longer a “luxury”.

Pay off counterparties, accept payments from customers, issue salaries to employees and transfer taxes and extra-budgetary contributions - a current account allows you to do all this easily and quickly, without even visiting a bank branch.

Another important factor in favor of opening a current account for an individual entrepreneur is the opportunity to receive business loans in “your” bank under a simplified procedure and preferential rates.

Opening a current account for individual entrepreneurs: where to start?

When opening an account for non-cash payments, they are usually guided by the following criteria:

the cost of opening and maintaining an account;
convenience of working with the bank (presence and location of branches, mode, speed of service);
availability of remote banking services (RBS) for entrepreneurs.

Opening an IP current account with Sberbank of the Russian Federation has long been a non-alternative solution: you can choose any financial institution that provides services for legal entities and individual entrepreneurs in your city. As a rule, smaller-scale banks (including regional ones) offer the best rates. To do this, compare the rates and conditions of banks located in your city (they can be found on websites and in banking departments). If you're lucky, you can open an account for free, falling under a promotion or a special offer for legal entities.

Be sure to talk to the manager for working with legal entities and entrepreneurs: perhaps he will be able to offer you interesting individual conditions.

Pay attention to the presence of the "Bank-Client" system. Remote banking service allows you to manage money via the Internet at any time and without leaving your home: track balances, make transfers, receive statements. This saves a lot of time (no need to go to the bank, sit in line, adjust to the branch's working hours) and eliminates a large part of the "paper" accounting work. In addition, tariffs for self-service through the Internet bank are usually cheaper than for similar work on paper.

Specify the cost of cashing out funds through the cash desk and the commission for intra-bank transfers from an individual entrepreneur's account to an individual's account. Most likely, the second option will allow you to transfer money from a current account to a current one through the Internet bank and cash it out through a plastic card. To do this, you need to issue a debit card with free or minimum annual maintenance, linked to the account of an individual. Do not forget to find out the addresses of ATMs that will dispense your funds without commission.

List of documents for opening a bank account for an individual entrepreneur

Let's proceed directly to the question of how to open a current account for an individual entrepreneur. Each bank may impose its own requirements on the package of documents required to take an entrepreneur for service.

According to the instructions of the Central Bank, the mandatory list of documents includes:

Copy of passport: main spread and pages 4-5 with registration.
A copy of the tax registration certificate (TIN).
A copy of the certificate of state registration of IP.
Licenses confirming the entrepreneur's right to engage in licensed activities.
KOPiP (card with samples of signatures and an imprint of the IP seal).
Power of attorney and documents for third parties authorized to dispose of funds on the current account of the individual entrepreneur.

Usually, the list is not exhausted by these documents: bankers also request a “fresh” extract from the USRIP and a letter from the local Rosstat agency on the assignment of statistical codes.

An extract from the USRIP can be obtained at the territorial tax office within a week, its validity for the bank is 1 month. All copies must be notarized or, if such a service is provided, certified by authorized bank employees for a fee.

Additionally, you will be asked to fill out an application and other papers required for verification by the security service.

During the time required to comply with all formalities, bank employees will prepare an agreement, after the conclusion of which you will receive a certificate of opening a current account as an individual entrepreneur.

Notification of tax and off-budget funds

The last stage of interaction with the bank - the signing of agreements on settlement and remote services - does not end with the opening of an account. Now it is necessary to notify the tax office and the pension fund about this event, and as soon as possible.

The notification of the tax inspectorate is carried out on a form in the form C-09-1, filled out and signed by the entrepreneur in 2 copies. Violation of the 7-day deadline set for filing a document is punishable by a fine of 5,000 rubles (Article 118 of the Tax Code of the Russian Federation).

It is advisable to visit the tax authorities in person: the second copy of the notice, signed by the inspector, must be taken away and kept with the rest of the IP documents. If it is not possible to personally get into the tax office, a representative can submit documents, but only with a notarized power of attorney.

You can send documents by mail: a valuable letter must be accompanied by a list of attachments and a receipt. Online submission is possible only if the IP has a qualified EDS certificate.

Federal Law No. 212-FZ of July 24, 2009 (Article 28, clause 3, clause 1) imposes on an individual entrepreneur the obligation to report the opening of a current account to the territorial branch of the PFR, as well as to the FSS (if the individual entrepreneur is registered with social security).

There are no unified forms for notifying these funds, but there are forms recommended by these institutions that are available for download on the official Internet portals of the relevant authorities.

A current account is necessary for a legal organization in order to carry out various operations and settlements with counterparties (suppliers, buyers) and employees. The question of whether an invoice is required for a firm is not an easy one. There is no legal requirement to open. But taxes can only be paid by bank transfer. The Central Bank also introduced restrictions on paying for services or goods in cash: 100,000 rubles within the contract for one product or service. It is not comfortable. Having a current account allows you to transfer finances to the accounts of other organizations, pay salaries, pay off loan payments, pay for services rendered (for example, legal, transport) and much more. When an organization receives a loan, an account is also required, since funds are received on it, and not issued in cash.

Opening a settlement account of an organization: features

For opening a current account for an LLC, a certain fixed amount has been introduced in some banks. It is one-time and does not exceed 3000 rubles. For advertising purposes, to attract customers, some banks offer this service for free. Maintenance of the account itself is also often subject to a subscription fee. The exact cost becomes known after the client selects the necessary banking services. Payment orders that are sent also have their own value. Sometimes, packages offer a number of "payments" for free.

Increasingly, banks offer a service: open a current account for an LLC online. An account is reserved through the form on the site. In a special section, download forms of questionnaires and documents that are required to be presented at a bank branch. This simplifies the checkout process.

What you need to open a bank account for LLC

In order to open an account, you need to bring to the branch a set of documents required for this bank. Originals and copies required. Making copies in some banks is not free. If there is no desire to overpay, then you can provide photocopies made by yourself. Notarization is not required. Enough seal and signature of the head of the copy.

In addition, it is necessary that the head of the organization fill out a card with sample signatures and seals. This can be done at the branch, along with the provision of papers. Then you have to pay in cash to open an account.

What documents are needed

How to choose a bank to open an account

Many banks provide business services. To choose the best option, you should analyze some criteria. The list below is the indicators that managers pay attention to most often. From it you can choose the ones you need.

Criterias of choice

low price for opening and maintenance;
Internet bank. This service - remote account management, is available from all major banks. It is possible to install such a program on a desktop computer, laptop or smartphone;
informing about any transactions via SMS;
the possibility of issuing a corporate card;
issuance of cash;
the possibility of obtaining a loan or a loan;
availability of a conveniently located service office. For some, it is important that the bank has a real office space.

Where is the best place to open a current account for an LLC

When choosing where it is better to open a current account for an LLC, you should consider some aspects:

name in the market. Some little or unknown banks may offer better terms to attract customers. But the reliability of such a financial institution is questionable. Banks with a good reputation should be chosen as partners.
Large network of branches and ATMs.
Tariffs.
Convenient Internet banking.
The speed of work with the client.

Bank rating

You can select such top banks for opening a current account for an LLC:

What is a checking account and what is it for?

An IP settlement account is needed for cashless settlements. One-time settlements in the amount of up to 100,000 rubles can be carried out without it. In the case when the amount exceeds the specified one, the company's turnover grows over time, and counterparties prefer to work only by bank transfer - you will have to open an account. Plus, this is one of the indicators of the seriousness of the entrepreneur's reliability.

Opening a current account allows you to:

~ make settlements with partners;

~ accept payments from customers;

~ to carry out calculations with the budget;

~ get loans on favorable terms;

~ pay salaries to employees on the card;

~ issue additional credit cards for yourself;

~ open a currency account.

How to choose a bank to open an IP current account

There are many financial institutions on the market today where you can open a checking account.

When choosing, be guided by three main requirements:

~ total costs for opening an account and the cost of monthly maintenance;

~ the presence of the bank in your city, the level of customer service;

~ Availability, organization and cost of remote banking services (RBS).

Opening and maintaining an account cost differently. The cost also varies when servicing directly at the bank or via the remote banking system. The RBS system allows you to manage your account either without installing additional software on your computer, or through the "Bank-Client" system. The cost of these two options for remote access to the account, of course, is also not the same (cheaper without installing software just via the Internet).

Please note: the cost of monthly service consists of at least two parts: account maintenance + cost of the type of service (settlement and cash, RBS).

What is included in the cost of banking services

The obligatory payment that the bank deducts from your account every month is the cost of "having" your account in this financial institution. If you like, it's a subscription. For a small amount of 500-600 rubles, your account is active.

Most of the services are cash and settlement services - remote or in bank branches.

The bank can take money for:

~ receiving and issuing cash;

~ making electronic payments;

~ crediting funds to the account;

~ maintenance of salary cards;

~ issuance of certificates of operations on the account;

~ other additional services.

To minimize the cost of banking services, many banks offer packages that have a fixed cost and include a number of shareware services from the above list. For individual entrepreneurs with small turnover, such packages are not interesting - it makes no sense to pay 30 "payments" if you actually have up to 10 payments per month.

Please note: the bank has no right to impose packages on you. You can connect to the tariff that is convenient for you and is published on the official website.

The procedure for opening a current account of an individual entrepreneur in a bank

To open a current account, you need to contact the branch of the selected financial institution with a package of documents:

1. Certificate of registration of an individual as an individual entrepreneur.

2. Certificate of registration of an individual with a tax authority (TIN).

3. Passport of a citizen.

4. Extract from the USRIP.

An application for opening a current account, as well as copies of the documents provided by you, necessary for entering into a personal file, will be made to you at the bank.

Also, if necessary, you will need:

~ seal (serving at the bank without a seal is allowed, just signed by the responsible person);

~ licenses or patents (if the activity of an individual entrepreneur is associated with obtaining them);

~ power of attorney (if the individual entrepreneur does not open the account personally).

The account does not open immediately. The bank will accept your documents for consideration and, when ready, will notify you of the need to come to the branch to conclude an agreement and receive the necessary documents, including a notice of opening an account and a service note. It usually takes a couple of days. At the same time, you need to pay the cost of bank services, which directly include the commission for opening a current account, as well as the cost of photocopying, the cost of issuing a signature card.

Please note: signature card reissuance is paid. If you have a stamp, be sure to take it with you to add it to the card.

How far has technology come

Today, opening a bank account is easier than a couple of years ago. The first bonus is the ability to remotely reserve an account on the bank's website. This service is not provided by everyone, but, nevertheless, it is available and allows you to receive funds to the account number that is issued to you immediately after filling out the online form. Then within 5 days you will have to come to the bank to go through the standard procedure.

Another important innovation is Federal Law N 59-FZ of April 2, 2014, which abolishes the obligation of individual entrepreneurs to independently notify the tax authority about opening a current account. Now the bank is doing this through the electronic document management system. The notification must be submitted only if the current account is opened outside the Russian Federation.

It will also be useful for a novice entrepreneur to know about the electronic services provided by the tax and Rosstat. In particular, now you can quickly and for free:

This data may be needed not only when opening an account, but also when submitting reports, submitting applications for tenders and other procedures.

Well, a bonus for the most active - mobile applications. They are available in a number of major banks in the Russian Federation and help to monitor account transactions via a smartphone. Full-fledged functionality is being actively implemented, including maintenance of payroll projects and translations according to templates.

If there are any questions

For questions about opening a current account for an individual entrepreneur in a bank, you can contact an outsourcing company. Such services are inexpensive and convenient for those who do not have the time and experience to do everything on their own. If you need a current account urgently, the specialist will tell you not only the bank with the best service conditions, but also solve the issues of opening an account in just two days.

Material prepared by specialistsRosco company .

Valery

Hello, today, I faced the problem of paying me money for the work that I did for a reputable organization. The organization categorically refuses to pay me in cash for the work I have done, only a transfer to a bank account. And what kind of bank account is needed for such operations? ...and how to open it7 I am not an individual entrepreneur, I do such work, maybe once every few years.