Tinkoff as a bank for individual entrepreneurs. Where to open an account for a Sole Proprietor or LLC. Current account Tinkoff business Bank guarantees in Tinkoff

1. Opening a Settlement Account in Russian rubles and foreign currency IS FREE

2. Tariff plan change FREE OF CHARGE

3. Interest accrued on the balance Money for all Settlement Accounts, per annum:

3.1. if there are transactions for the calendar month initiated by the Client 8.0%

3.2. in the absence of transactions for the calendar month initiated by the Client 0%

4. Service fee:

4.1. in the month of opening the first Settlement Account in Russian rubles and in the second calendar month FREE OF CHARGE

4.2. at the end of the period specified in clause 4.1.:

4.2.1. when paying for a calendar month 990 rubles.

4.2.2. when paying for 12 (twelve) calendar months 9900 rubles.

4.3. Settlement accounts opened in foreign currency

4.3.1. when paying for a calendar month 990 rubles.

4.3.2. when paying for 12 (twelve) calendar months 9900 rubles.

5. Fee for connecting and providing access to the services of "Internet Bank" and "Mobile Bank":

5.1. two users with the issuance of ES FREE OF CHARGE

5.2. starting from the third user with the release of ES 990 rubles.

5.3. without issuing ES FREE OF CHARGE

6. Commission for transfers:

6.1. intrabank FREE OF CHARGE

6.2. tax and budget payments FREE OF CHARGE

6.3. external transfers in Russian rubles FREE OF CHARGE the first 10 (ten) transfers, the next 29 rubles.

6.4. external transfers in foreign currency 0.15% of the transfer amount, min. 29 US dollars, euros, pounds sterling

7. Acting as an agent currency control 0.15% of the transfer amount, min. 290 rubles, max. 29 000 rub.

8. Registration/re-issuance of the transaction passport FREE OF CHARGE

9. Commission/Fee for each operation of debiting funds from the Settlement Account:

9.1. by intrabank transfer, from the Settlement Account of an individual entrepreneur, to your own Agreement payment card, up to 300,000 rubles. IS FREE

9.2. by intra-bank transfer, from the Settlement Account of an individual entrepreneur, to their own Credit Card Agreement, up to 350,000 rubles. IS FREE

9.3. by purchase using the Card FREE OF CHARGE

9.4. by withdrawing cash from ATMs, withdrawing cash and expenditure transactions in other credit institutions, as well as operations equated to them, the list of which is posted on the Bank's website; transfers to accounts of individuals, including transfers to a Credit Card Agreement:

9.4.1. up to 400,000 rubles inclusive in excess of the amount specified in clause 9.1 or clause 9.2 1.0% plus 79 rubles.

9.4.2. from 400 000 rub. up to 2,000,000 rubles inclusive in excess of the amount specified in clause 9.1 or clause 9.2 5.0% plus 79 rubles.

9.4.3. from 2,000,000 rubles in excess of the amount specified in clause 9.1 or clause 9.2 10.0% plus 79 rubles.

10. Fee for the package "Transfers to individuals - all inclusive":

10.1. when paying for a calendar month 2990 rubles.

10.2. when paying for 12 (twelve) calendar months 29,990 rubles.

11. Fee for the package "External transfers - all inclusive"

11.1. when paying for a calendar month 990 rubles.

11.2. when paying for 12 (twelve) calendar months 9900 rubles.

12. Fee for replenishment:

12.1. received from legal entities IS FREE

12.2. received from individuals, with the exception of receipts under clauses 12.3 and 12.4 FREE OF CHARGE

12.3. received from individuals - Clients of the Bank from the Account Agreement having the Tariff Plan “Current Account. SCC 7.2 (Russian rubles)" for a one-time credit of less than 100,000 rubles. 1.0%, minimum 99 rubles.

12.4. received from individuals - Clients of the Bank from the Account Agreement having the Tariff Plan “Current Account. TPS 7.2 (Russian rubles)" for the amount of a one-time credit of 100,000 rubles. and more, for every 300,000 rubles. 749 rub.

12.5. using the Card through third-party ATMs credit organizations 1.0% of the replenishment amount

13. Fee for the package "Replenishment - all inclusive"

13.1. when paying for a calendar month 1990 rubles.

13.2. when paying for 12 (twelve) calendar months 19,900 rubles.

14. Card issuance fee:

14.1. on the date of opening a Settlement Account in Russian rubles FREE OF CHARGE

14.2. after the date of opening the Settlement Account in Russian rubles 490 rubles.

15. Card reissuance fee:

15.1. at the initiative of the Client 490 rub.

15.2. upon expiration / at the discretion of the Bank FREE OF CHARGE

16. Permitted overdraft fee RUB 490

17. Penalty for late repayment of the Authorized overdraft 1990 rubles.

18. Fee for the provision of services:

18.1. «SMS-info» FREE OF CHARGE

18.2. "SMS-bank", for one mobile number:

18.2.1.in the month of opening the first Current Account and in the second calendar month FREE OF CHARGE

18.2.2. at the end of the period specified in clause 18.2.1.

18.2.2.1. when paying for a calendar month 99 rubles.

18.2.2.2. when paying for 12 (twelve) calendar months 990 rubles.

19. Fee for issuing a certificate:

19.1. in in electronic format, from the list in personal account IS FREE

19.2. in electronic form, not from the list specified in the personal account, or a certificate or other certified document in paper form 590 rubles.

20. Closing of Current Account FREE OF CHARGE

21. Fee for issuing a certificate, extract or other document on banking operations after termination of the settlement account agreement 2990 rub.

22. Fee for the Merchant Acquiring service

22.1. with an interest accrual scheme of 2.0%

22.2. with a batch accrual scheme from 1.79% 2690 rubles.

23. Salary project

23.1. Connection and maintenance FREE OF CHARGE

23.2. Transfer of funds to the Employee's payment card agreement FREE OF CHARGE

Tinkoff Bank provides settlement and cash services for small and medium-sized businesses. According to the international magazine "The Banker" it is the most profitable in Central and Eastern Europe in the 3rd quarter of 2017, which is why it is in demand among customers.

How to conclude a contract for settlement and cash services

The procedure for concluding a cash settlement agreement in Tinkoff differs from opening an account in another financial organization, since the interaction with the client is carried out online.

The business owner is provided with 2 options for formalizing contractual relations: simple and accelerated.

Simple

Accelerated

provides exclusively for filling out a virtual questionnaire on the bank's website, which is located in the "Business" section. Further, the client manager contacts the owner to assist in the selection of a package of services and agree on the date and place of signing the documents. The account is considered opened from the moment of providing a full package of documents and filling out an application for accession to the conditions.

involves filling out a questionnaire and directly attaching scans of constituent documents in your personal account. In this case, you can get the details of the current account on the day of the application (sent by e-mail).

Registration of cash settlement services in Tinkoff for individual entrepreneurs is carried out according to 3 documents:

• OGRIP;
• passports of an individual entrepreneur.

A package of documents for concluding an agreement on settlement and cash services for commercial and non-profit organization is standard. It includes the following documents:

• charter;
• protocol/decision on the establishment of the organization;
• order to appoint a director / general director / president, etc.;
• manager's passport;
• constituent documents of a legal entity (TIN, OGRN).

Registration of RKO

Tariff plans

Tariffs for cash settlement services in Tinkoff are among the lowest, since the bank does not incur additional financial costs (for rent, wages service personnel, property tax, etc.).

Business owners are provided with 3 tariff plans to choose from: simple, advanced and professional. Change of tariffs for settlement services in Tinkoff Bank is carried out through a personal account.

A simple RKO tariff in Tinkoff is ideal for individual entrepreneurs who are just starting their business. His distinctive feature is the absence of a monthly fee in the first 2 months of service. In the future, it is 490 rubles per month. 6% per annum is accrued on the account balance.

Tariff "Advanced" also provides free settlement and cash services in the first 2 months. Further subscription fee is 990 rubles. 8% per annum is accrued on the balance of funds.

Tariff "Professional" intended for legal entities and individual entrepreneurs making a large number of payments or transfers to debit cards. Its cost is 4990 rubles (there is no monthly fee for the first 2 months). Up to 8% per annum is also charged on the current account balance. A more detailed analysis of tariffs is presented in Table 1.

Table 1 - Comparative analysis of tariff plans for business

Criterion	Simple	Advanced	Professional
Payment order cost	First 3 pcs. - free, the rest for 49 rubles.	First 10 pcs. – free of charge, over 10 pcs. - 29 rubles each.	is free
Commission for cashing out funds from a current account	1.5% of the amount, minimum 99 rubles	0% up to 100 thousand rubles; over - 1% of the withdrawal amount	0% up to 2 million rubles
Transfer of funds to a card (amount up to 400 thousand rubles)	0%	0%	0%
Transfer of funds to the card (amount from 400 thousand to 2 million rubles)	1% of the amount	1% of the amount	0%

Advantages of cash settlement services in Tinkoff Bank

1. Flexible pricing policy. RKO tariffs in Tinkoff for legal entities and individual entrepreneurs fully take into account the needs of businesses in banking services. The conditions are transparent and understandable for customers.
2. Personal service. Each client is assigned a personal manager who is competent in various fields: banking, tax, legal, etc.
3. Receipt additional income to the account balance. 6-8% (depending on the tariff plan) is charged automatically, no additional agreements are required.
4. Extended mode of processing payment receipts. The operating day lasts from 7:00 to 21:00, which distinguishes the bank from its competitors.
5. Providing additional services depending on business needs. Along with opening a current account, you can issue a business card, Internet acquiring, salary project, purchase Evotor online cash desks.

Tariffs for settlement services in Tinkoff Bank are market-based and competitive. They fully take into account the needs of small and medium-sized businesses. In 2016, the bank took 2nd place in the list of the most profitable banking organizations in the Russian Federation serving legal entities (according to the Markswebb Rank & Report analytical agency). Positive reviews of business owners about RKO in Tinkoff only confirm the results of the study.

1. Opening a Settlement Account in Russian rubles and foreign currency FREE OF CHARGE

2. Tariff plan change FREE OF CHARGE

3. Interest accrued on the balance of funds on all Settlement Accounts, per annum:

3.1. if there are transactions for the calendar month initiated by the Client

3.1.1. in the amount from 0 to 200,000 rubles. inclusive 0%

3.1.2. in the amount of 200,000 rubles. up to 1,000,000 rubles inclusive 2.0%

3.1.3. in the amount of 1,000,000 rubles. up to 4,000,000 rubles inclusive 4.0%

3.1.4. in the amount of 4,000,000 rubles. up to 10,000,000 rubles inclusive 8.0%

3.2. in the absence of transactions for the calendar month initiated by the Client 0%

4. Service fee:

4.1. in the month of opening the first Settlement Account in Russian rubles and in the second calendar month FREE OF CHARGE

4.2. at the end of the period specified in clause 4.1.

4.2.1. when paying for a calendar month 4990 rubles.

4.2.2. when paying for 12 (twelve) calendar months 49,900 rubles.

4.3. Settlement accounts opened in foreign currency FREE OF CHARGE

5. Fee for connecting and providing access to the services of "Internet Bank" and "Mobile Bank":

5.1. three users with the issuance of ES FREE OF CHARGE

5.2. starting from the fourth user with the release of ES 990 rubles.

5.3. without issuing ES FREE OF CHARGE

6. Commission for transfers:

6.1. intrabank FREE OF CHARGE

6.2. tax and budget payments FREE OF CHARGE

6.3. external transfers in Russian rubles 19 rubles.

6.4. external transfers in foreign currency 0.15% of the transfer amount, min. 19 USD/EUR/GBP, up to a maximum of 99 USD/EUR/GBP

6.4.1. with the package connected Currency operations» 0.1% of the transfer amount, min. USD/EUR/GBP 19 up to a maximum of USD/EUR/GBP 59

7. Acting as a currency control agent 0.15% of the transfer amount, min. 290 rubles, but not more than 29,000 rubles.

7.1. with the "Currency transactions" package connected 0.1% of the transfer amount, min. 290 rubles, but not more than 29,000 rubles.

8. Registration/re-issuance of the transaction passport FREE OF CHARGE

9. Commission/Fee for each operation of debiting funds from the Settlement Account:

9.1. by intra-bank transfer, from the settlement account of an individual entrepreneur, to their own payment card agreement, up to 500,000 rubles. IS FREE

9.2. by intra-bank transfer, from the Settlement Account of an individual entrepreneur, to their own Credit Card Agreement, up to 500,000 rubles. IS FREE

9.3. by purchase using the Card FREE OF CHARGE

9.4. by withdrawing cash from ATMs, withdrawing cash and debit transactions in other credit institutions, as well as transactions equivalent to them, the list of which is posted on the Bank's website; transfers to accounts of individuals, including transfers to a Credit Card Agreement:

9.4.1. up to 800,000 rubles inclusive in excess of the amount specified in clause 9.1. or clause 9.2. 1.0% plus 59 rubles.

9.4.2. from 800 000 rub. up to 2,000,000 rubles inclusive in excess of the amount specified in clause 9.1. or clause 9.2. 5.0% plus 59 rubles.

9.4.3. from 2,000,000 rubles in excess of the amount specified in clause 9.1. or clause 9.2. 15.0% plus 59 rubles.

10. Fee for the package "Transfers to individuals - all inclusive"

10.1. When paying for a calendar month 4990 rubles.

10.2. When paying for 12 (twelve) calendar months 49,900 rubles.

11. Fee for the package "External transfers - all inclusive"

11.1. When paying for a calendar month 1990 rubles.

11.2. When paying for 12 (twelve) calendar months 19,900 rubles.

12. Fee for the "Foreign exchange" package

12.1. When paying for a calendar month 9990 rubles.

12.2. When paying for 12 (twelve) calendar months, 99,900 rubles.

13. Fee for replenishment:

13.1. received from legal entities FREE OF CHARGE

13.2. received from individuals, with the exception of receipts under clauses 13.3 and 13.4 FREE OF CHARGE

13.3. received from individuals - Clients of the Bank from the Account Agreement having the Tariff Plan “Current Account. SCC 7.2 (Russian rubles)" for a one-time credit of less than 100,000 rubles. 1.0%, min. 99 rub.

13.4. received from individuals - Clients of the Bank from the Account Agreement having the Tariff Plan “Current Account. TPS 7.2 (Russian rubles)" for the amount of a one-time credit of 100,000 rubles. and more, for every 300,000 rubles. 749 rub.

13.5. using the Card through ATMs of third-party credit institutions 1.0% of the replenishment amount

14. Card issuance fee:

14.1. on the date of opening a Settlement Account in Russian rubles FREE OF CHARGE

14.2. after the date of opening the Settlement Account in Russian rubles 490 rubles.

15. Card reissuance fee:

15.1. at the initiative of the Client 490 rub.

15.2. upon expiration / at the discretion of the Bank FREE OF CHARGE

16. Permitted overdraft fee RUB 490

17. Penalty for late repayment of the Authorized overdraft 1990 rubles.

18. Fee for the provision of services:

18.1. «SMS-info» FREE OF CHARGE

18.2. "SMS-bank", for one mobile number:

18.2.1.in the month of opening the first Current Account and in the second calendar month FREE OF CHARGE

18.2.2. at the end of the period specified in clause 18.2.1.

18.2.2.1. when paying for a calendar month 99 rubles.

18.2.2.2. when paying for 12 (twelve) calendar months 990 rubles.

19. Fee for issuing a certificate:

19.1. in electronic form, from the list specified in the personal account FREE OF CHARGE

19.2. in electronic form, not from the list specified in the personal account, or a certificate or other certified document in paper form FREE OF CHARGE

20. Closing of Current Account FREE OF CHARGE

21. Fee for issuing a certificate, extract or other document on banking operations after termination of the Current Account Agreement 2990 rubles

22. Fee for the Merchant Acquiring service

22.1. with an interest accrual scheme of 1.8%

22.2. with a batch accrual scheme from 1.59% 7990 rubles.

23. Salary project

23.1. Connection and maintenance FREE OF CHARGE

23.2. Transfer of funds to the Employee's payment card agreement FREE OF CHARGE

For more than 3 years I have been active as a “self-employed”. That is, IP. For these 3 years, I have already searched for banks 3 times to service my IP. Today I’ll tell you why I decided in 2016 to close my account with Avangard Bank and move to Tinkoff.

So, now you have issued your IP, you need to find a bank to service the account. In most cases, the expectations from the bank of an individual entrepreneur are as follows:

• Low service rates. Ideally, 500 rubles a month, and in months when there is no movement of funds on the account - to be completely free.
• Low commission for cashing out. Ideally, none at all, or at least up to 1.5% - 2%.
• Convenience of receiving money from the account. To go to the cashier for cash not far from home.
• The reliability of the bank and the convenience of the service. Including a good, functional internet bank.

INTRO AND LYRICS

It was in this way, according to such criteria, that I was looking for my first bank for my IP at the end of 2012. Do not underestimate the importance of the fourth point, by the way. So, 3 years ago, having just organized an IP, having monitored the offers of most banks and a lot of reviews, I had a question: choose Bank24 or MosOblBank for the IP account, in the second at that moment I also had a deposit like individual was. All sorts of Alfabanks, not to mention Sberbanks and other VTBs, gave restrictive conditions on tariffs for servicing individual entrepreneurs, Tinkoff, by the way, individual entrepreneurs in those days, and even in 2014, when I changed banks, also categorically did not want to serve. I'm afraid to lie, but then account maintenance cost something under 3-4 thousand rubles a month! So, choosing between Bank24 and Mosoblbank 3 years ago, the alignment was something like this:

• Bank24 offered a slightly more functional and convenient Internet bank (in MosOblBank, I had to use checkbooks in general)
• Bank24 offered significantly lower fees for cashing out funds and maintaining an account
• Bank24 on specialized forums had not the most pleasant reviews on service and maintenance, including such that “the bank’s audience is all kinds of front people up to the homeless, and the bank’s reputation is like that of a money laundering point”

To be honest, all my activities as an IP are white and fluffy. I am one of those who prefer to pay taxes and sleep peacefully. For sim, I chose MosOblBank. And I didn't guess. Since Bank24 subsequently lost its license, and the accounts of the individual entrepreneurs and the money stored on them, if I am not mistaken, in the third stage claim compensation for bankruptcy and the sale of the bank's property. In other words, there are no deposits of private individuals here, the state does not insure anything, and if the bank is closed, you can forget about the money that was in the account with a very high probability.

By the way, I highly recommend the text from my LiveJournal: “Opening a bank account for an individual entrepreneur in MosOblBank. Why is it worth and not worth it! ” - dated November 2012. Tariffs and conditions, of course, are no longer relevant, but how to deal with the rudeness of branch managers there is a very interesting story described on personal experience. Then the security service of the bank called, apologized, promised to punish the manager (because the aunt was freaking out), but still. Read, informative, especially for beginners!

However, over time, problems awaited MosOblBank, although this bank was not deprived of its license, but sanitized, that is, left to live by connecting another bank. But during the rehabilitation, the conditions for the activity of the active settlement account of the IP became uninteresting, and I picked up another bank. Tinkoff was still capitally expensive then (although I already had a debit card of this bank, and I was happy with everything), and my choice fell on Avangard. For not very far from home, and the tariffs were all good.

Everything was fine at Vanguard, except for the Internet Bank. The “hello beginning of the 2000s” interface (to this day, by the way), all bill signing operations are done through Java, which the Chrome browser has not supported for a long time, about mobile bank generally silent. Plus, in 2015, account maintenance became 2 times more expensive (900 rubles instead of 450 rubles), in general, there were no problems with the bank as such, everything works well, but I already wanted a little comfort and convenience for my individual entrepreneur. And then I noticed that since December 2015, bank Tinkoff tariffs for small businesses have changed, and the service of individual entrepreneurs has suddenly become very tasty and interesting.

WHY I CHOOSE TINKOFF BANK FOR IP

There were several reasons for choosing Tinkoff Bank to transfer my IP account:

• I am active and old client this bank. There is also a debit card (on which the money withdrawn through Avangard was still deposited in the nearest Euroset all the time), and a credit card. I wrote about the benefits of Tinkoff Bank for individuals in a separate very detailed article:. And when I found out about the new tariffs for individual entrepreneurs, of course, I became interested. He told about the new tariffs, by the way, one of his friends, who recently got himself an IP.
• Service rates. There are two: for 490 rubles a month and 990 rubles, we will consider the difference later.
• Free Internet banking, with an up-to-date interface. 24/7 support with a personal manager (included in the cost of service). Something, and the support service of Tinkoff Bank is just a standard in Russia.
• Serviceability. No need to go to bank branches, all transactions are carried out via the Internet or by phone. If necessary, the bank sends a courier.
• Cash withdrawal fees. Below, again, we will consider both tariffs, but the key feature: up to 400 thousand rubles a month can be withdrawn to a personal Tinkoff card Black (regular debit) no commission at all! That is, it's free. This amount will be enough for the absolute majority of Individual Entrepreneurs.
• Ease of withdrawal. No need to go to a bank branch somewhere, order money, use scratch cards, etc. Pressed a couple of buttons - you have money on debit card!
• Potential integration with the online accounting service Kontur Elba, which I use and which does everything for me, including sending reports to inspections. By the way, who will need one - at this link you will be given 3 months free service. Referral, but from the heart. The Internet bank in Avangard is extremely outdated, so once a quarter, under regular taxes, I had to drive all my money into Elba with pens. cash flows by account. Extremely tiring, to be honest. And here direct integration shines, where all my operations will be automatically exported to Elba. Comfortable!
• There is no such thing, it seems, anywhere: from 6% to 8% per annum - accruals on the balance of your bank account! That is, if you keep a certain reserve amount in the account all the time, you will receive 6-8% per annum on it, with monthly interest payments to the account. In other banks, your money lies - and lies.
• Tinkoff has established itself as a reliable big bank. Although, in any case, I am not going to keep large amounts in the account, almost all incoming receipts will be immediately withdrawn to a bank card (but the funds on the debit card of an individual are already insured by the state as deposits).

In general, to leave Avangard Bank and move to Tinkoff with your own individual entrepreneur - there were enough arguments. Next, we study the tariffs and draw up an application.

TARIFFS FOR IP AND LLC FROM Tinkoff Bank

Tariffs, as well as the benefits of a current account for individual entrepreneurs, are listed on the Tinkoff Bank website at this link. There are 2 rates in total. I recommend to download Full description and compare the options for each of them exactly for your needs, I will briefly describe the differences that are important to me. So:

• There are two rates: Simple and Advanced.
• Both plans include 2 free trial months of service. For tariff Simple — free term it can be up to 6 months if you have a new IP that is no more than 6 months old.
• Tariff account maintenance fee Simple — 490 rubles per month, Advanced — 990 rubles per month. In the tariff Simple, if there is no cash flow for the month (there are no incoming or outgoing payments to the account), the service fee is not charged. Those. for a month they did not receive money and did not spend it - for this month we do not pay anything to the bank. Comfortable. In the tariff Advanced- there is no such option, you need to pay every month, even if there is no movement of funds on the account.
• Payment processing. In the tariff Simple the first 3 payments are processed free of charge, starting from the fourth (without resetting the counter every month) - payment of 49 rubles per payment. In the tariff Advanced- the first 10 payments are free, and starting from the 11th - 29 rubles for each payment, you can activate the option (only for Advanced) of unlimited payments for another 990 rubles per month - then make and accept at least hundreds of payments, at least thousands. For many individual entrepreneurs who are not active commercial activity and registered basically in order to legally receive fees for their services, in this regard, the tariff will be optimal Simple. If the activity of your individual entrepreneur involves a lot of payments, it makes sense to think about the tariff Advanced.
• Commissions for money transfers. Intra-bank transfers, as well as payment of taxes in both tariffs - is free.
• Cash withdrawal. The very point for which most IPs are organized. Everything is interesting here.
  In the tariff Simple, if you have a Tinkoff debit card, receive up to 150 000 rubles per month on the card you can do without commissions at all, and more 250 000 rubles can be sent without commission to a Tinkoff credit card if you actively use it. debit card Tinkoff, the following tariffs apply (that is, for owners of Tinkoff Black from 150,001 rubles per month, for those who do not have a card - from the first ruble). Up to 400,000 rubles per month (or from 150,000 to 550,000 rubles for Tinkoff debit Black cards) the withdrawal fee will be 1.5% (minimum 99r); from 400,000 to 2,000,000 rubles per month(and from 550,000 to 2,150,000 for Tinkoff debit card holders) - the commission will be 5.0% (minimum 99r); and if you earn and withdraw from the account more than 2 million rubles per month- take me to work with you, the commission will already 10% (minimum 99r). It’s also worthwhile to understand that transferring money from your current account for individual entrepreneurs to an account in another bank (except for a Tinkoff debit card) will also be a transfer with a commission.
  with tariff Advanced getting harder and trickier. Up to 100,000 rubles per month can be withdrawn from the current account of IP no commission both to an account in any bank, and using your corporate bank card, which is included with the account (you can withdraw money without commission at any ATM of any bank). The presence of a Tinkoff debit card does not affect anything here. But when withdrawing money in the amount of more than 100 thousand rubles, commissions are included, similar to the Simple tariff. Those. up to 400,000 rubles (not counting 100,000, which we withdraw for free) - commission 1.5% (minimum 79 rubles), from 400,000 to 2,000,000 - commission 5% (minimum 79 rubles), over 2,000,000 rubles - commission 10% (minimum 79 rubles ).
  As a result, the rate Simple much more profitable for individual entrepreneurs with an income of no more than 150,000 rubles per month, provided that you use a Tinkoff debit card (and not using it is very stupid, because it is very profitable), or 400,000 rubles if you actively use credit card. Rate Advanced more profitable for those who fundamentally do not want to use a Tinkoff debit bank card and have an income of up to 100,000 rubles per month. Otherwise, you will have to pay commissions. Although a 1.5% commission for withdrawing funds up to 400,000 rubles per month is a very low commission in general. When withdrawing more than 400 thousand, a commission of 5% is already quite large. Many banks for amounts up to a million rubles give an average commission of 2-3%.
• Depositing cash into an account. If your individual entrepreneur is active in paying for orders, invoices - sometimes you may need to independently deposit funds into the account. I will say right away: incoming money from legal entities (your counterparties, partners) is free and without commissions in both tariffs. For most individual entrepreneurs, you can no longer read further. Independent deposit of money into the account in the tariff Simple costs 299 rubles for any amount, and in the tariff Advanced- the first 100,000 rubles per month are credited for free, and then - 1.0% of the deposit amount, not less than 99 rubles. Or for the tariff Advanced you can buy a subscription for unlimited top-ups for 1990 rubles per month.
• Additional free options. Both tariffs include the issuance of a Corporate bank card for your account (in Simple - 1 card, in Advanced - 2 cards for free), allocation of an account for cash replenishment, as well as the right to sign payments (electronic signature). Plus free access to internet banking mobile application. The SMS-info function also works free of charge, with which you can confirm payments, for example. But SMS bank, with all notifications, is free only for the first 2 months, and then on both tariffs it will cost 99r per month. Consider this moment. For free, you also get a personal manager assigned specifically to your individual entrepreneur, with the possibility of consultations 24/7. Ie around the clock and every day. Even at 2 o'clock in the morning on January 1st. This is very cool! By the way, change tariff maybe once a month is free! And it's very convenient for reporting periods when you need help...
• Getting help. Sometimes various account statements and other references are required. For tariff Simple, obtaining most certificates in electronic form will cost 290 rubles per request 990 rubles. In the tariff Advanced- receiving most of the certificates in electronic form will be free, and receiving certificates in paper form (or non-standard certificates in electronic form) - 590 rubles.
• Bonuses! At the beginning of the article, I said that the bank will accrue income on the balance of funds in your account. In the tariff Simple is 6% per annum, in the tariff Advanced — up to 8% per annum! But even here there are conditions. Interest is accrued only if there are transactions initiated by the client during the billing month. Those. there are movements of funds on the account (outgoing or replenishment by you personally) for a month - you will receive interest on the balance. No movements on the account - there will be no interest. But if there is movement, then the tariff Simple give you 6% per annum on the balance, regardless of the amount. And in the tariff Advanced- a progressive bonus line, for a balance of up to 100,000 rubles - no interest is accrued at all, for a balance of 100,000 to 300,000 rubles - 3% per annum will be charged; from 300 thousand to 1 million - 5% per annum, from 1 to 10 million - 8% per annum.

It is also worth noting that all monthly limits are provided for a month. And if you have left the limit unused since last month (for example, you have withdrawn less than 400,000 rubles in the Simple tariff from your account) - the limit is not transferred to the next month, it burns out.

TOTAL FOR TARIFFS FOR IP AT BANK Tinkoff

For most individual entrepreneurs, especially those focused only on receiving money (remuneration for services rendered, for example), it is best suited tariff Simple. In it, maintaining an account costs 490 rubles (or 580 if you forget to turn off the SMS-bank), up to 400,000 rubles can be withdrawn to a personal Tinkoff debit card without commissions at all, an excellent Internet bank, a mobile bank for a smartphone, are driven to the same 490 rubles, corporate card and electronic signature, round the clock support. If for a month there was no movement of funds on the account, you do not pay anything.

If your activity in the IP involves teaching many types of certificates, frequent self-deposit of cash, a large number of outgoing payments - it makes sense to think and carefully study the terms of the tariff Advanced.

And interest on the balance of money on the account will be charged only if there is a movement of funds on the account, in the Simple tariff it is just 6%, and in the Advanced tariff it is a progressive rate.

HOW TO SET UP ACCOUNT FOR IP IN BANK Tinkoff?

Everything is simple here. You fill out an application at the bank using this link: https://www.tinkoff.ru/business/ - the bank manager contacts you and explains everything to you in great detail, answers questions, and then sends you a questionnaire to fill out by e-mail, as well as a list of documents whose scans you need to send to the bank, and then, during registration, show the originals.

The questionnaire to fill out is quite simple, there are no difficult questions in it. You will also need the following documents:

• Application form of the bank (will be sent by mail)
• Certificate OGRNIP
• TIN certificate
• An identity document of an individual entrepreneur (for example, a passport of a citizen of the Russian Federation)
• Licenses (if any)
• SNILS (for EDS)

Also, for existing individual entrepreneurs, information (documents) on the financial situation will be required (one or more documents of your choice from the list below are provided):

• Annual (or interim) financial statements ( balance sheet or report on financial result) for the last reporting period
• Annual (or quarterly) tax return(for any tax) with marks of the tax authority on their acceptance or without such a mark, with either a copy of the receipt for sending a registered letter with a list of attachments (when sent by mail), or a copy of the confirmation of sending on paper (when transmitted electronically
• Certificate of execution by the taxpayer (payer of fees, tax agent) obligation to pay taxes, fees, penalties, fines issued by tax authority(at the time of submission to the Bank, the date of issue of the certificate should not exceed 6 months)
• Extract from the book of income and expenses for the month (at the time of submission to the Bank, the date of execution of the extract from the book of income and expenses should not exceed 3 months)
• Patent for the implementation of one of the types entrepreneurial activity, in respect of which the patent system of taxation is introduced by the law of the subject of the Russian Federation
• Auditor's report on the annual report for the past year, which confirms the reliability of the financial (accounting) statements and compliance with the maintenance procedure accounting legislation of the Russian Federation

If you have a long-standing IP, then extracts from the book of income and expenses (should be kept by your accounting department, for example, Kontur.Elba service has this option), as well as a report to the Federal Tax Service for the past year, should be enough. For new IP, of course, such certificates will not be required.

The next process is simple. By contacting the manager, receiving the questionnaire, filling it out and sending it back by e-mail, along with scans of all necessary documents and reporting files, we wait 3-7 working days while the bank considers your application. And, if everything goes well, the bank will open an account for you, and bring everything Required documents courier (free of charge), who will issue you everything as expected, in any place convenient for you (at home, in the office, at work).

And that's it! You can start using! I hope the article will be useful for beginners and not only them.

P.S: I registered my IP with the help of JURVISTA, everything went smoothly and clearly. I like it.

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