The tax system is how often and at what rate you will pay taxes. The system is primary and secondary. The main one is mandatory, the additional one is optional.
There are two main systems: general or simplified. As many additional ones: patent and single tax on imputed income. You can open an IP on a simplified system with or without a patent, but you cannot open an IP only on a patent.
This table will help you choose the main system.
Taxes. 6% from income. Suitable if you do not spend anything on business. For example, if you develop a corporate identity for companies or edit texts.
15% off net profit. Accountants advise choosing this system if your expenses are more than 60% of your turnover.
personal income tax, VAT
Contributions. 27,990 rubles in 2017 - to the Pension Fund.
Same
Requirements. Annual turnover up to 150 million rubles, up to 100 people in the state per year.
Without Borders
For individual entrepreneurs on a simplified system of 6%, Modulbank has free accounting
Usually, IPs work on a simplified basis. On this system, taxes are easy to calculate yourself. Pay your taxes and contributions quarterly and file your tax return once a year.
Now about additional systems: UTII and patent. They are used for certain activities and pay a specific amount of tax. This way you will know in advance how much you will pay per year. If you earn only on a patent, you will not have to pay taxes on simplified taxation.
Taxation system on which you can connect. General, simplified.
General, simplified.
Restrictions. No more than 100 employees per year.
No more than 15 employees for the duration of the patent.
Tax amount. Depends on the area of the trading floor, the number of employees and vehicles, the region in which you work. Calculate how much you will approximately pay for UTII on the Tax-Tax website.
Fixed tax, does not depend on income and other indicators. You can estimate how much you will pay on the tax website.
After the taxation system, we choose OKVED codes. It sounds scary, but it's also easy.
OKVED - species codes economic activity. According to them, Rosstat calculates which industry earns how much. According to some codes, companies receive benefits on contributions and can pay for an employee not 30% of the salary, but 20%:
32.4 - production of games and toys;
31.0 - furniture production;
91.04 - activities of botanical gardens, zoos, state nature reserves and national parks;
26.4 - production of musical instruments.
Types of activities with benefits in the Tax Code
Familiar entrepreneurs will advise you to choose more different codes. Suddenly you are a writer, but decide to go into trade. If you have such a code, you just start trading, and do not go to the tax office with an application to add the code. This is practical advice, but the IRS and banks don't like it.
If an individual entrepreneur is simultaneously engaged in advertising, fishing, wholesale trade and the production of ferrous metals, the tax office and the bank may think that this is a one-day company. Different codes are needed for ephemera to transfer money from different areas. Therefore, try to choose codes from the same industry or similar ones.
To register an individual entrepreneur, the selected code must contain four digits. It is impossible to select the entire area 31.0 - furniture production, you need to detail up to 01.31 - furniture production for offices and trade enterprises.
To select a code, do the following:
OKVED codes sometimes change, so trust the lists with the latest edition. The latest revision is now November 7, 2016.
The state supports some areas and allows entrepreneurs not to pay simplified tax for the first two years. Typically, tax holidays are given to entrepreneurs in the industrial, social spheres, and consumer services. For a complete list of areas with tax holidays, see the website of the Ministry of Finance.
If you find your field on the list, you are in luck. For the first two years, you will only pay fixed contributions to the Pension Fund — 27,990 rubles per year.
When registering, once again check with the tax office about tax holidays. Suddenly, something has already changed in the law, or you incorrectly indicated the scope.
There are five ways to submit documents to the tax office:
If you submit in person, the inspector checks the documents and gives a receipt. It contains a list of documents that the inspector accepted and the date when to come for a certificate of registration of an individual entrepreneur. Keep the receipt until you receive the documents.
It usually takes five minutes to check documents, another twenty minutes to queue. In order not to wait, sign up online and submit documents at the appointed time.
The tax office takes three working days to register an IP. Then you will get:
Now you are an entrepreneur and you can start working. But first, print and open a bank account.
After registration, order a print at the printing center. The print should include:
I welcome everyone.
Haven't heard from or seen for a long time. May holidays are like that). I think you were not particularly up to me. But, in principle, we are gradually starting to move away from rest. Let's continue our most interesting topic on how to establish an LLC or IP, and not just how to open them, but how to do it through the Bank's service, and get well-deserved bonuses for it.
This is our second article on this topic.
Earlier, in , we also talked about this. But they got to the heart of the matter. We discussed the problems of a novice entrepreneur, how, in principle, he has options to open his own organization.
Here I will make a note that I am talking about a beginner entrepreneur, however, the article will also be useful for experienced entrepreneurs who pay money to consulting companies that open an account for money.
In the articles of this cycle, I will introduce you to absolutely free banking services (top 20 banks), through which you can open an LLC or individual entrepreneur and receive various bonuses from banks.
Let's get straight to the point.
In this article, we will consider and compare the services of 2 banks, namely Otkritie and Alfa-Bank.
Why? Very simple. Both banks are private. Both banks are in the top in a huge number of indicators. including portfolios. legal entities, both asset portfolios (lending) and liability portfolios (these are demand balances).
Both are trying to compete with state banks. I would even say, almost with the same success.
Alfa is, of course, a more innovative Bank. There are a lot of services here. As, for example, a recently opened service where you can directly lend to entrepreneurs. If you are interested, I will tell you about this service separately. Those. the main point is, if you are an individual, and do not want to place money in the Bank ... give it to an entrepreneur who will take the funds directly to the business. Or Alfa has a service for lending to entrepreneurs involved in innovative developments, in particular software.
Those. The bank is trying to develop in step with technology and time. Trying and running in various novelties. Which, in other respects, does not prevent it from remaining a bank with a high proportion of bureaucracy, both trivially when opening a current account, and in lending and other banking services.
But all banks have this problem. No, it seems to me that this is only in the 1st bank. But let's not talk about it. I think that in the near future, separate large articles will have to be written about him ... because. the ideas of this Bank are completely innovative, at least for the Russian financial market. Therefore, we will not talk about this bank.
Let's continue the article.
Opening is a completely different Bank. Which, it seems to me, is developing in many respects, due to accessions, acquisitions and infusions. Those. This is an investment bank.
This is a Bank that takes its toll due to the large volume of large transactions. He is also trying to change his image, turn it towards a direct banking comparison, to a certain holding, a group of companies that is successful in various areas of activity, including various fields banking business. Because development is going on retail direction, no less aggressive development is going to the corporate direction with small businesses. The bank positions itself as a serious financial institution, deservedly included in the top banks of the Russian Federation. Behind which, the client of the Bank (whoever he is) can feel like behind a stone wall.
Therefore, rivals worthy. I think it will be interesting to compare them.
Name | Alpha | Opening |
Registration address | https://reg-alfabank.ru/index.do | https://reg-openbank.ru/index.do |
Site interface | understandable | understandable |
Search for a service on the Internet | Very difficult | Prost |
The similarity of the services provided J - almost identical positioning | Benefits listed on the site: fast, reliable, guaranteed, convenient | The advantages listed on the site: profitable, fast, reliable, convenient |
Entrepreneur bonuses declared on the website | present (discussed below). | missing |
Ease of opening an LLC or sole proprietorship | comfortable | comfortable |
I suggest we close this topic.
What can we learn from this table? There is actually a lot of information.
Services are almost identical. Even appearance sites are similar. I specially placed direct links that you looked at them, not through printscreens, but could go directly to the sites. Naturally, both sites are in corporate colors.
I also want to immediately note that both services are intuitive. That is, at first, I thought, to make step-by-step printscreens, where you could hold your hand, right up to registration. But this is absolutely not required.
You are completely calm:
This, by the way, I basically told you the whole process of opening an LLC or IP)). Agree, it is much easier if you try to collect information from the Internet on your own, what forms to fill out, how to fill out, where to carry, etc.
And one and the second site is really convenient to use. There are no complaints here.
But there is a really big difference in services.
This is where printscreen comes in handy.
bank bonuses when opening LLC / IP
So that you can see what the Bank specifically offers.
I must say right away that this is largely a typical offer that is available on the market. Almost all banks that have such services offer about the same thing. The difference is in the details. But they need to stop.
Bonuses when opening an LLC or individual entrepreneur through the Bank's service:
Let's round up. The article is impressive. Everything needs to be looked at and considered carefully.
Summing up, comparing 2 banks from the top 10, we saw that there are almost identical, but very convenient services for opening an LLC and an individual entrepreneur. Completely free and.
Separately, I will say, of course, organizations also open a current account when using such a service).
However, at the same time, the Opening does not provide other bonuses for legal entities. Alfa-Bank has as many as 4 of these bonuses. Even if they are not all very financially profitable. But they are. They can be used. Each of these bonuses can be useful (and will, if used wisely).
So, it was a comparison of the first banks.
Ahead, we are waiting for a few more articles in which we will compare Banks. And in the final article, we will try to choose best bank providing services for opening an LLC or sole proprietorship.
Source Alexander MSBHelp Kiselev.
30 minutes. reading
Updated: 16/04/2019
Most detailed overview in the vastness of Runet! Are you looking for the best place to open a business account? We have prepared an overview of the tariffs of the best banks for entrepreneurs, we will tell you which bank is the most profitable. We will advise where to open an account for free, find out which banks do not charge service fees. We calculated the cost of payments for you, made a detailed comparison of tariffs, studied pitfalls, prepared tips from personal experience. Get comfortable and let's get started!
I have been an IP for 11 years. For a long time I was a client of one bank. They had profitable terms settlement and cash services for individual entrepreneurs (hereinafter referred to as IP), but the time has come to change this organization. From today's review, you will find out in which bank it is most profitable to open an IP current account. This article will be relevant both for beginners who are just thinking about their business, and for experienced entrepreneurs who have been operating for more than a year and are now deciding which bank is better to open a current account for an individual entrepreneur. In this article you will find comparisons of the rates of various banks, calculation scenarios for beginners and experienced entrepreneurs, and I will also share my own experience with you, from which you will learn about all the "pitfalls" when opening a bank account and its subsequent use.
I have been registered as an entrepreneur since 2007. During this time I had several business projects. The first is a small tanning studio. For a year of work, I managed to increase the invested money by 2 times, after which I sold it. Then, I switched to internet projects. I had an online store for water-saving equipment. I have been doing it for 4 years. The invested money was repulsed many times, I did not count how much, but I was always in the black and I managed to sell it at a good price. There were several other small online stores, more precisely, one-page sites, where we sold Chinese goods at a crazy margin (sometimes up to 1000%). And now I'm focused on a content site that generates income through advertising (contextual, banner, mailing list advertising, etc.), CPA networks, affiliate programs.
I registered an individual entrepreneur and a current account for him at the Ermak bank, Nizhnevartovsk, Khanty-Mansi Autonomous Okrug. It was a bank with the most favorable, at that time, conditions for settlement and cash services (RKO) in the city. Over the past 8 years, I have already changed 3 cities of residence. From Nizhnevartovsk I moved to Moscow, and from there three years later to Gelendzhik.
The main problem that prompted me to look for another bank is working with a USB token. USB-Token is such a special key on a flash drive with which secure operations are performed (payments, transfers, etc.). These tokens have a limited period of time and need to be re-registered periodically. To re-register it, you need to bring a printed application, acts to the bank. Since I am in a city where there are no Yermak branches, this is a problem for me. The problem, in general, solvable, can be transferred by mail and courier, but the last straw for me was that the operator did not accept the Act from the courier, since my signature was different there.
When I opened an account with this bank, I left samples of signatures along with the Agreement. Over the years of work, my signature has changed, and since I don’t see what my signature was on the sample in the bank, and the teller didn’t meet me halfway and couldn’t find a solution to this issue, except to sign the documents again, I decided to go to another bank, especially since technologies do not stand still and there are banks that work without these tokens and their security is no worse, all transactions are confirmed using SMS.
It remains only to formulate the requirements for the new bank:
At the moment, the content site is under development, which means that I have:
In this review, you will find out the rates of 10 banks, 7 of which are in the TOP-10 banks in the country in terms of assets. Three more banks were included in the review as the most advanced and technologically advanced. One of the criteria for manufacturability was the integration of the bank with an online accounting service, with which you can submit tax returns and interact with the tax authorities without leaving your home.
For delivery tax returns via the Internet, I use the Kontur.Elba service. There was a time when I had to submit reports directly to the tax office at the place of residence, when I lived in Nizhnevartovsk. I decided to find an alternative to queues even before I moved to the capital. You could kill a whole day at the tax office. Now it has become more civilized, they have introduced a system electronic queue, but before you had to come almost at 6 in the morning to take a queue.
I want to warn you that in banks they may try to "dissolve" you into additional insurance corporate card, as it was with me at Sberbank. Moreover, managers do it quite brazenly, almost claiming that it is mandatory. Therefore, be more persistent in such cases, make it clear to such a banking scoundrel right away that you are not going to take out any insurance even in case of coercion.
In the case of Sberbank, I see no point in corporate card. Okay, the first year is free. But from the second year to pay 2.500 rubles. for a useless, in my case, service - I consider it a waste of money.
This is an interesting service that appeared on the RKO market not so long ago. Many banks actively use it in marketing campaigns and advertising. But what is it really?
Take Tinkoff Bank. They promise 6% on the balance (simple tariff). If you look into the details, it turns out that a maximum of 3,000 r is charged per month.. That is, if you had a million in your account, then at a rate of 6% per annum you should be credited with approximately 4,600 rubles, but you will receive only 3,000 rubles.
But that's not the worst. Interest is charged on the minimum monthly balance. Let's say you have 600,000 rubles in your account for almost the entire month. At a rate of 6% per annum, you will have to accrue about 2,700 rubles. But if during this period the amount on the account falls at least a day lower, then you will be counted on this very minimum amount. For example, you transferred 597,000 rubles to a wholesaler, and the next day this money was returned to the account as a result of the sale of goods. So the minimum balance is 3.000 r. 6% on this amount will be about 13 rubles.
When I developed an online store, there were always large amounts of funds on my current account. Of course, it is interesting that they do not lie dead weight and at least some penny drips on them. But the entrepreneur constantly operates with this money, bought something, sold something. And the calculation of interest on the minimum amount makes this tool practically useless, or, as I noted above, marketing. It allows Tinkov to stand out from the background of competitors, entrepreneurs are willing to follow this chip, but it brings little real benefit.
Of our candidates, a similar service is also available in Modulbank, which offers 3% per annum on the average daily account balance from 30 thousand rubles. This means that the bank sums up all the days during the month when you had more than 30 thousand rubles in your account, then divides them by the number of days in the month and charges 3% per annum on the resulting amount.
Let's try to figure out which is better. The table below shows 4 dates. On each of these dates, the status of the current account changed. On March 1, 300,000 rubles were received. Then, on March 12, 295,000 left and 5,000 rubles remained. On March 18, 495,000 rubles arrived. and the balance was 500,000 r. And finally, on March 24, another 120,000 rubles came. after which the balance became 620.000 p.
Under the terms of Tinkoff Bank, 6% is charged on the minimum balance, in our example it is 5,000 rubles. The income will be about 25 rubles.
Now let's calculate the profit in Modulbank. Here you need to consider receipts at which the balance was more than 30,000 rubles. It turns out 300.000 + 495.000 + 120.000 = 915.000 rubles. / 30 days = 30.500 rubles We consider 3% for this amount and it turns out about 77 rubles.
As can be seen from the example, the percentage value is far from always decisive. Sometimes the way it is calculated wins. In the case of Tinkov, the amount of accrual will depend on the minimum amount in the account. And in the case of Modulbank, everything will depend on the amount of money received on your current account.
If you are unfamiliar with this service, I will explain, it allows you to report to tax authorities without leaving home. This is very convenient as it saves you a lot of time. For me, as an Internet entrepreneur who constantly moves around regions and countries, this is an indispensable service.
As noted above, there are specialized services, for example, Kontur.Elba or My Business, which have wide functionality and allow you to submit declarations and other tax documents not only to simple IPs on a simplified system without employees, but also to individual entrepreneurs with employees, as well as LLCs on special regimes (USN, Patent) and OSNO.
Some banks have similar functions, only in a simplified version. To understand the difference between the functionality of online accounting in a bank and a specialized service, see the table below:
SERVICE | BANKS | SERVICES KONTUR.ELBA AND MY BUSINESS |
Calculation of USN and UTII taxes, as well as insurance premiums for individual entrepreneurs | Yes | Yes |
Creating a payment order | Yes | Yes |
Payment reminder | Yes | Yes |
Sending a declaration to in electronic format | Yes | Yes |
Calculate the salary of employees, report for them to the tax office, Pension Fund and FSS. | Yes | Yes |
holidays, bonuses, travel allowances | – | Yes |
Accounting for goods, the history of the movement of goods in the warehouse, the formation of warehouse documents, inventory | – | Yes |
Issuing invoices, acts and invoices, invoices for own or ready-made templates | – | Yes |
This is an incomplete list of differences, the table reflects the most popular services. It is worth noting that most banks offer online accounting services only for individual entrepreneurs on a simplified basis without employees and a cash desk. This greatly reduces the number of potential customers and will be relevant for startups, and even then not for everyone.
Of the minuses of online accounting of banks, it is worth noting the weak integration with the tax office and the lack of high-quality support. Let me give you an example from my experience:
Recently, I received a letter from the inspectorate in which the tax authorities demanded an explanation why I did not pay insurance premiums for one of the previous years. All calculations were made in Kontur.Elba, so the first thing I did was contact the support of this service for advice.
The support staff, completely free of charge, checked my declaration, suggested which tax reconciliations should be ordered, and I did it in the personal account of the service and, further, advised me to print payment documents on paid insurance premiums and show all this to the tax authorities.
Through Personal Area site taxpayer nalog.ruI created an appeal in which I indicated that I had paid all the insurances and attached scans of payments as evidence. Why did you do it through nalog.ru? Firstly, because geographically I was in another city and I considered it inappropriate to spend money on tickets to show these pieces of paper to the tax authorities. Secondly, when making an appeal, it is assigned an incoming number, which means that my appeal is drawn up in a proper document flow and civil servants do not have the right not to respond to my message.
What is the conclusion from this story? Let the Kontur.Elba service cost me more than free bookkeeping through one of the banks, it gives me more advantages and assistance in those matters in which I myself am incompetent.
If I were at the initial stage of my business, I would definitely consider opening a current account for an individual entrepreneur in one of these banks, which make it possible to report to the tax office for free, because in the first years of doing business, the probability of error when submitting reports will be minimal , and the money that is required to pay for one of the online accounting services is better spent on business development.
Now let's try to determine which bank is more profitable in various use cases. In all scenarios, only the number of outgoing payments will change. Incoming payments are free everywhere, but the cost of outgoing payments is different. Well, let's not forget to calculate the service, commissions for the withdrawal of profits and other payments.
This is a scenario for beginners who will have few payments. Since I am currently developing a new project, these calculations will be very relevant for me.
Bank | Alfa Bank | Tinkoff | Dot | Modulbank | Sberbank | VTB | Opening | Raiffeisen |
Monthly maintenance | 490 | 408 | 750 | 490 | 0 | 900* | 492 | 990 |
100 | 98 | 0 | 95 | 200 | 0 | 158 | 125 | |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 125 | |
0 | 0 + 99** | 0 | 76 (4 x 19) | 44 + 62,5*** | 0 | 0 + 99**** | 100 | |
590 | 0 | 0 | 0 | 500 | 0 | 0 | 500 | |
1180 | 605 | 750 | 661 | 806,5 | 0 | 749 | 1840 | |
Total for the year | 7670 | 7260 | 9000 | 7932 | 4.178 | 10800 | 8988 | 16580 |
* - Calculations for bank VTB I did it taking into account the perpetual promotion, otherwise the bank's tariffs are unprofitable. The first 3 months the service is free, then 1200 rubles. per month.
** - Since in Tinkoff you can only withdraw to your debit cards without commissions, we will include in the costs the service fee for the Tinkoff Black debit card (99 rubles per month)
*** - In Sberbank, servicing a classic debit card costs 750 rubles. the first year or 62.5 p. per month. From the second year, maintenance is 450 rubles / year or 37.5 rubles / month. Don't forget about unnamed card Momentum, whose service is free, but I do not take it into account here, since it is not easy to open it, it does not happen in all service offices.
**** - In Otkritie bank, as well as in Tinkov, without commissions, profits can only be withdrawn to a debit card of an individual opened within the bank. The cost of servicing the cheapest debit card costs 99 rubles / month
So, as can be seen from the table, the Sberbank tariff is out of competition. It is almost 2 times cheaper than its closest pursuer, Tinkoff Bank.
Now let's determine the most profitable current account for an individual entrepreneur who is more active than in the first scenario. To do this, I took the data of the online store for one of the past active periods. The turnover of the store for the year amounted to about 5.5 million rubles. My account received 338 incoming payments (they could not be counted) and there were 186 outgoing payments, of which:
Divide this data by 12 months of the year, rounded up and get:
Now let's calculate the rates:
Bank | Alfa Bank | Tinkoff * | Dot | Modulbank | Sberbank | VTB | Opening | Raiffeisen |
Monthly maintenance | 490 | 990 | 750 | 490 | 0 | 900* | 492 | 990 |
External payments in rubles through the Internet bank to the accounts of legal entities and individual entrepreneurs | 400 | 29 | 300 | 209 | 800 | 600 | 632 | 275 |
Tax and budget payments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25 |
Payments to accounts of individuals | 820 | 99 | 500 + 2460 | 76 (4 x 19) | 44 + 660 + 62,5*** | 1320 | 1320 + 99**** | 100 + 1820 |
Signature card | 590 | 0 | 0 | 0 | 500 | 0 | 0 | 500 |
Total in the first month of service | 2.300 | 1.118 | 4.010 | 775 | 2066,5 | 2.820 | 2.543 | 3.710 |
Total for the year | 21.110 | 13.416 | 48.120 | 9.300 | 19.298 | 33.840 | 30.516 | 39.020 |
* – In the second scenario, the Advanced tariff is considered, while in other cases, the Simple tariff was considered above. In this calculation, Advanced is more profitable than Simple.
From the table it becomes obvious that this time Modulbank is the leader. However, this approach to defining the best bank not entirely correct, because each bank in the line has several tariffs, the limits and commissions for each of which are different, so the correct conclusion that we can draw from the second scenario is as follows:
As your business grows, you need to review the rates of different banks and change them to the most profitable ones, otherwise you risk overpaying every year for servicing a current account.
I studied the tariffs of the analyzed banks and came to the conclusion that changing the tariff to a higher one in the tariff scale of each bank will not change the situation much. Only in Tinkovo, if you switch to the Advanced tariff, you can reduce the cost annual service up to 12 thousand rubles. In other cases, the cost of maintenance increases.
In the comparison table above, I also noted a few more points, for example, the design of the card with sample signatures. Such a card is needed for the bank employee to verify any documents and identify your signature. This is necessary so that documents are not forged for you. For example, you have been billed for payment. For some reason, you could not use the online bank and printed the document on paper, and then took it to the bank. When accepting this payment order, a bank employee will verify the signature on the document with the sample signature on the same card that you issued when opening a current account for an individual entrepreneur. If the signatures match, then the banker will transfer the money according to the payment document, if not, then return it back.
So, in many banks from the table above, such cards are not issued, more precisely, they are not mandatory for issuance, because, for example, the same Tinkoff bank does not have service offices and all payment documents can only be issued through a personal online account. bank, where each payment is confirmed by SMS.
But when you come to open a current account at the same Sberbank, an employee with a straight face will say that it is necessary to issue a card with sample signatures, the cost of which is 250 rubles in Gelendzhik, and 500 rubles in Moscow. The cost is small, but I am more outraged when unnecessary services are imposed on you. I agreed and only later found out that it was not necessary to draw up this card.
There are banks where issuing a card with sample signatures is mandatory when opening an account, for example, in Alfa-Bank, the cost of the service is 590 rubles. Without this, you will not be able to open an account.
In my former Sovdepovsky Ermak, they took 500 rubles from me for closing an account. Fortunately, in most modern banks this service is free.
After the massive cleansing of the banking sector by the Central Bank of the Russian Federation began, the surviving banks are afraid of any claims from the regulator and zealously comply with all its requirements and instructions, one of the most terrible, among which is 115 Federal Law "On countering the legalization (laundering) of income received by criminal way, and the financing of terrorism”. As a result, many accounts of individual entrepreneurs and LLCs have recently been closed, the activities of which seemed suspicious to financial monitoring services. In 2017 alone, according to the public organization Delovaya Rossiya, banks closed at least 500,000 business accounts.
What does this mean for you? Your account can be blocked at any time, even if you are doing business honestly and openly. Therefore, you must immediately imagine the consequences.
1 First, if you actively use the account, then your current contracts may suffer, as happened with the businesswoman Xenia:
I work in the field of public procurement, the business is absolutely transparent, all Contracts can be checked on the public procurement website. We use the account every day, it was a complete surprise for me when my operations were suspended.
Because of this, I was unable to purchase goods for one of my customers. Now I will not be able to deliver the goods on time and will suffer losses due to the terms of the Agreement. And yet, I could not pay another invoice for transport delivery with an order for another client, now the car is idle with my cargo.
Who will compensate me for the losses incurred and the loss of reputation? How do you look customers in the eye now?
2 Second, if your account is blocked, then you may need an extract from your current account, on which you will then calculate taxes. The statement can also be uploaded to Kontur.Elba or My Business and the services will calculate the tax amount for you.
Some banks charge crazy money for such statements:
Since in this review, when choosing a bank, I proceeded from my needs and wishes, I will give you advice on what to look for when choosing a bank for cash settlement.
1 Determine the list of required services. Before compiling your list of banks for rating, determine what you will need in the process of work. For me, this is, for example, an online bank that works without tokens. Maybe you need salary project, currency account or .
2 Learn the features of the bank and its services. The presence of the service you need does not determine its quality, in different banks it may differ. Read online reviews, call hotline bank for details. For example, not all online banks work on poppies (company products), not all banks have mobile version. If you are making transfers abroad, then you need to find out how much it will cost to maintain an account in foreign currency, as well as the cost currency transfers. If by the nature of your activity you need to deposit cash, then it is better to choose a bank with a wide branch network, etc.
3 Integration with various services. In the review, I already mentioned the integration of online banks with services such as Kontur.Elba and Moe Delo. In addition to them, there are many other services that can also be integrated with your bank, for example, 1C, My Warehouse, Button, Fingeroo, etc.
4 Location of ATMs. Explore the ATMs of which banks are near your home or on your way to work. This will help save time on withdrawing cash from the card.
5 Find out where your counterparties are served. It may be worth opening an account in the same bank where the accounts of your main counterparties are opened. This will help save on commissions, speed up the time of payments, partially, minimize questions from the financial monitoring of the bank.
6 Look at the payment processing time. For example, in my former Yermak, payments were processed from 8:00 to 16:00, and there are banks where the payment processing time is from 4:00 to 21:00.
7 Interest on account balance. Sometimes the interest on the balance can cover the monthly maintenance of the current account or at least reduce it.
9 Bonuses from partners. When opening an account, many banks offer bonuses from partners, for example, if you advertise your services in Yandex.Direct, Google Adwords or myTarget, you can get special promo codes up to 75,000 rubles.
Or you can get several months of free service in various cloud services, such as Kontur.Elba, My Business, 1C Entrepreneur, AmoCRM, or post a free job on HH.ru
Is it necessary to open a bank account and is it possible to maintain an IP without a current account?
By law, an individual entrepreneur can operate without opening a current account, but with some restrictions. In particular, cash settlements with legal entities and other individual entrepreneurs are limited to 100 thousand rubles. under one contract. For example, you rent an office for 10 tr. per month. Usually the agreement is concluded for 11 months, which means that the amount of 110 thousand rubles will be specified in the Agreement, which is prohibited (5 and 6 paragraphs of the Bank of Russia Directive No. 3073-U dated October 7, 2013). In this case, you can conclude 2 contracts with the landlord, for half a year each, which will allow you to meet the required limit within the framework of one Contract, but for this you must have a good, close relationship with a partner who agrees to do this.
The main problem that you may encounter if you work without a cash account is interaction with other counterparty organizations, although much depends on the type of your activity. If your activity involves working with other organizations, settlements with which will be made in a non-cash way, for example, the purchase or shipment of any goods to legal entities, then you can’t go anywhere without an account, since not every organization wants to work with an individual entrepreneur, transferring money to him for services or goods in cash, which is fraught with additional costs for various kinds of commissions. If you are engaged in retail sales or services and accept cash payments, then you may well work without a cash account. Where is the best place to open a bank account?
The information presented in this review suggests that it is most profitable to open a current account at Sberbank, Bank Tinkoff, Modulbank and Alfa-Bank. These banks not only have the most favorable rates, but also the most competitive functionality and capabilities of an online bank.
Which banks open a current account for free
The following banks open a current account for free: Sberbank, Tinkoff, Alfa-Bank, Modulbank, Tochka, Otkritie, Raiffeisen, VTB (for a promotion, check with managers). These are the banks reviewed in this review. Surely there are a lot of other banks where you can open a cash account for free, the purpose of the article was different, namely, to analyze the most reliable and functional banks in terms of which bank to open a current account is most profitable.
Reasons for refusal to open an account
If you were refused to open a current account, then this could happen for one of the following reasons:
Can an individual entrepreneur have several current accounts in different banks?
The law does not restrict the entrepreneur in this regard; you can open any number of accounts in any bank and any region. If you are active, then this can even be useful. If suddenly the financial monitoring of the bank considers your transactions doubtful and decides to block the account, then while the proceedings are going on, another account opened with another bank will come in handy, which you can use for urgent settlements with counterparties.
What documents are needed to open a current account?
In most banks, to open a current account, it will be enough for you to present your passport and TIN. However, the bank, at its discretion, may require you to provide any other documents, for example, a notarized signature card, a certificate of registration of an individual entrepreneur, an extract from the USRIP, licenses necessary for the activities of an individual entrepreneur. It is always better to find out the exact list of documents on the website or by calling the bank you are interested in.
Which banks do not close accounts?
There are no such banks, because all banks are under control Central Bank Russia, and that, in turn, has laws and regulations. One of them is the Law on Combating the Financing of Terrorism and Money Laundering. Money. There are entrepreneurs who conduct dishonest business and cash out, both through one-day IPs and through one-day LLCs. Therefore, if your transactions fall under the control of financial monitoring and seem suspicious, then your account will be blocked.
It is possible to open an IP through a bank without leaving home. Relatively new service provided by some banks in order to attract potential customers. Let's see in which banks you can use it and what are the options for providing it.
The authorized body for the implementation of the state registration procedure individual as an individual entrepreneur is the Federal Tax Service of Russia (Article 2 of the Law “On state registration Legal Entities and Individual Entrepreneurs” No. 129-FZ of 08.08.2001 (hereinafter referred to as the “Registration Law”), clause 1 of the Regulations on the Federal Tax Service, approved by Decree of the Government of the Russian Federation of 09.30.2004 No. 506). However, at the end of 2016, an experiment was launched (see Decree of the Government of Russia dated October 29, 2016 No. 1104) with the participation of Sberbank of Russia PJSC and VTB Bank PJSC and some government agencies, including the Federal Tax Service, the indirect purpose of which was to expand the powers of banks in the process of registering individual entrepreneurs and LLCs with one owner and giving them the right to receive documents from applicants with subsequent forwarding to the Federal Tax Service. Persons opening an IP through a bank as part of the experiment must have an enhanced qualified electronic signature (hereinafter referred to as "UKES").
ATTENTION! The process of obtaining UKES from an accredited certification center is described in detail in the law "On Electronic Signature" dated April 6, 2011 No. 63-FZ.
To obtain a qualified electronic signature certificate by individuals, it is required:
The certificate and electronic signature keys will be written to electronic card or flash drive. The fee for obtaining a certificate and electronic signature keys is determined by the regulations of the certification center.
The purpose of the experiment was to unify the procedure for obtaining and using qualified certificates of electronic signature verification keys.
The objectives of the experiment are:
On the part of the state, the Ministry of Communications, the Ministry of Finance, the Ministry of Economic Development, the Federal Tax Service, the Federal Security Service, Rosfinmonitoring and the Central Bank participate in the experiment, which provide methodological support for the experiment.
The Federal Tax Service is instructed, upon receipt of electronic documents sent as part of the experiment, to ensure the provision of public services for the state registration of legal entities and individual entrepreneurs.
The Ministry of Telecom and Mass Communications created an interdepartmental working group(order of the Ministry of Telecom and Mass Communications of Russia dated November 9, 2017 No. 611), which includes representatives of the structures involved in the experiment. The tasks are among others:
The proposed process of remote IP registration entails inevitable risks for the security of applicants' personal data, since most of the transactions take place using electronic means of communication. Therefore, it is necessary to develop a new enhanced procedure for the protection of personal data, taking into account the specifics of the registration procedure. Thus, the participants of the experiment are entrusted with the following responsibilities:
clause 4 of the Decree |
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clause 5 of the Decree |
Based on the information security threat model developed by PJSC Sberbank of Russia and VTB Bank (PJSC), approve temporary (for the period of the experiment) requirements:
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Given the complexity of the process, as well as the fact that the deadlines have already been extended (from 01/31/2018 to 12/31/2018), there is an assumption that the experiment will be extended.
Today, many banks, pursuing the goal of attracting more customers, provide free services on preparation of an application for state registration of an individual as an individual entrepreneur and payment of state duty. It should be noted that the documents on the basis of which the bank helps the applicant to apply for state registration are considered sufficient for opening an account for a future individual entrepreneur in the relevant bank, which avoids double submission of the same documents during registration and opening an account.
However, unlike the experimental mediation between the applicant and the Federal Tax Service, banks are limited to consulting services, and then the applicant acts independently. In practice, the following variations of the procedure for registering an individual entrepreneur through a bank have developed:
The applicant fills out the questionnaire on the bank's website, following the detailed instructions |
The applicant leaves an application on the bank's website |
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The bank system automatically fills out an application in the form No. Р21001 |
The bank employee calls the applicant back and, based on his answers, fills out an application |
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The applicant pays the state fee on the bank's website |
The completed application is sent to the applicant by e-mail for verification. |
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A completed application and a receipt for payment of the state fee are sent to the applicant by e-mail |
If approved, the applicant pays the state fee on the bank's website |
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The applicant prints out the documents and sends them to the Federal Tax Service |
A bank employee brings printed documents (an application and a receipt for payment of state duty) to the applicant at a convenient time and place |
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The applicant sends documents to the Federal Tax Service |
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After receiving a response from the Federal Tax Service, the bank opens a current account for the newly formed IP |
In general terms, the procedure is the same, with the exception of minor details due to the policy of the bank. One thing unites them - the applicant independently applies to the Federal Tax Service to carry out registration actions. Thus, the powers of the bank in the process of registering an IP are limited to assistance in filling out documents.
According to Art. 22.1 of the Registration Law, the applicant must submit the following mandatory package of documents to the Federal Tax Service:
Please note that in special cases additional documents are required.
The applicant is free to choose the method of sending documents to the Federal Tax Service. He can personally visit the territorial tax office, issue a power of attorney for a representative, send documents by mail or via electronic means of communication (clause 1, article 9 of the Registration Law).
IMPORTANT! Depending on the method of submission of documents, the authenticity of the applicant's signature can be certified in various ways:
The result of the provision of public services is sent to the applicant after three working days at the address Email specified in the application for state registration, in the form of electronic documents or, if requested, is issued on paper.
The result of consideration of documents for registration of IP can be:
Despite the experiment conducted by the Government of the Russian Federation on delegating to banks a part of the receiving function of the Federal Tax Service, not all banking institutions remote registration is possible. To do this, the applicant will need an enhanced qualified electronic signature. If it is not available, the bank will help prepare Required documents, but the applicant will have to take further steps to obtain IP status on their own.
Other ways to register an entrepreneur are described in articles,.
1. Who can register as an individual entrepreneur?
An application for state registration as an individual entrepreneur can be submitted by any person who has reached the age of 14 years. An important condition for becoming a citizen entrepreneurial activity is his capacity.
A teenager in the period from 14 to 18 years old is considered a minor, at the age of 16 to 18 years old he has limited legal capacity - in full it will come only with the onset of adulthood.
A teenager who has reached the age of 16 may be recognized as capable by a court decision, by a decision of the guardianship and guardianship authorities, or in the event of marriage. When registering such a teenager as an individual entrepreneur, one of the following documents must be attached to the application:
Adolescents who have reached the age of 14 have the right to make transactions with the written consent of their legal representatives - parents, adoptive parents or trustees. This requirement is determined by paragraph 1 of Article 26 of the Civil Code of the Russian Federation.
Municipal and state employees, as well as the military, are not entitled to register as an individual entrepreneur.