Own business is an opportunity not to depend on the bosses and independently generate income. Along with this, a huge number of tasks appear that a simple hired employee does not have to solve. So, first of all, you need to register a checking account for individual entrepreneurs. Where is it more profitable to do this? How to keep your savings to avoid losses? It is worth paying attention to the proposals of the most popular financial institutions.
Why open an account?
Long gone are the days when any settlements were carried out in cash or using checkbooks. In the world of information technology, doing business has been greatly simplified. Now, each private entrepreneur can open a bank account and conduct his business without leaving his home or office.
Those who want to do business legally and plan to pay taxes are required to open a current account for individual entrepreneurs. The fact is that it is impossible to use a personal account (salary or social card) to receive payments for goods or services. This is a gross violation, for which a considerable fine is provided. In addition, a checking account helps to create a good image for the owner of his own business. Customers trust him more, and lead to increased sales and, consequently, income.
Many banks offer quality service today. Settlement accounts for private entrepreneurs are offered really on favorable terms. However, entrepreneurs do not trust all institutions. Of great importance is the age of the bank, the availability of additional services.
"Point Bank"
This financial institution positions itself as a bank for entrepreneurs. The company also works with individuals, but the main activity is aimed specifically at business owners. It attracts the bank by the fact that here you can open a checking account for an individual entrepreneur for free. Where is it more profitable to find? More loyal conditions will be able to offer only young financial institutions that have not yet managed to build a good reputation. You will have to pay 750 rubles per month for servicing an account, regardless of what operations a private entrepreneur performs.
The value of payment orders can also be called beneficial. The first five are free. Subsequently, for each order you will have to pay 50 rubles. I can hear a lot of good comments about the Internet banking of a financial institution. My account works without failures at any time of the day. To the question “where is it more profitable to open a current account for an individual entrepreneur”, many business owners answer “Point Bank”.
Tinkoff
A financial institution is popular in many cities of Russia, not only among private clients, but also among individual entrepreneurs. The plus is that you can also open a checking account here for free. Each client is assigned an individual manager who answers questions at the initial stage, helps to formulate payment orders. It is especially convenient for beginner businessmen.
On loyal terms, here you can open a checking account for individual entrepreneurs. Where is it more profitable in Yekaterinburg? Good conditions are offered by Tinkoff Bank. Besides the fact that you do not have to pay anything to open an account, the first three months are also free of charge. In the future, it will be necessary to make 490 rubles per month. Payment price - 49 rubles. There is an excellent Internet bank that supports both old and new browsers.
Another plus is that you do not need to go anywhere to open an account with Tinkoff Bank.It is only necessary to leave a request on the site and the manager himself will come to the office of the entrepreneur at any convenient time.
Modulbank
The main activity of this financial institution is also related to servicing private entrepreneurs and legal entities. Representative offices can be found in many cities. Therefore, when the question arises of “settlement account for private entrepreneurs, where is it more profitable”, in St. Petersburg many owners of their business choose “Modulbank”. The tariff here will be convenient for those who rarely issue payment orders. You don’t have to pay anything for opening and maintaining a current account. But a payment order is not cheap - 90 rubles per transaction.
Few people know that Modulbank was founded by immigrants from Sberbank. Reviews show that many private entrepreneurs trust a financial institution. It is no coincidence that the company is developing rapidly. Convenient online banking helps you to carry out activities in real time, the entrance to which is protected by a double password. The online cabinet supports any browser, there is also a mobile version.
Promsvyazbank
The company has been operating in the market for more than 20 years, so it managed to win the trust of citizens. Many individuals who were serviced earlier here also return to open a current account after registering an IP. Maintenance and opening of an account is carried out without any commission. Up to 10 payment orders can also be issued absolutely free. There is also a good online bank with support for new browsers. All activities can be carried out in real time, both day and night.
Promsvyazbank is a financial institution with a rich history. Over the years, the company managed to prove its reliability. Attracts private entrepreneurs not only stability, but also the availability of additional services. Thus, the owners of the current account get the opportunity to obtain a loan on favorable terms to increase the volume of working capital. Profitable deposits are also offered to private entrepreneurs.
Where is it more profitable to open a current account for individual entrepreneurs? So far, Promsvyazbank offers the most convenient conditions.
Sberbank
Despite the fact that the main field of activity of this institution is consumer lending, many apply here to open a current account. This bank is the largest in Russia, and therefore arouses trust among citizens. Opening and maintenance of a current account is free of charge. The first three payment orders can also be issued free of charge. In the future, you will have to pay 100 rubles per operation. Such conditions cannot be called too advantageous. Despite this, the number of customers is growing daily.
Although expensive payments are the only drawback of working with Sberbank. A financial institution is the most popular in the country due to its high-quality Internet banking. The client can carry out any operations in real time through an excellent office. Access is protected by a double password, so attackers will not be able to access the account.
"Alfa Bank"
Where else can I open a current account for individual entrepreneurs? Where is more profitable? Alfa Bank is a financial institution with a rich history. The tariffs that the company offers for private entrepreneurs, of course, cannot be called the most convenient. At the same time, many customers entrust their funds to the bank because of high reliability indicators. You can be sure that the money in Alfa Bank is reliably protected.
Opening a current account is free of charge. This ends the benefit. You will have to pay 490 rubles a month for maintenance. The first five payment orders are executed at 45 rubles, for each subsequent transaction you will have to pay 150 rubles. Not free is SMS informing. The cost of the service is 59 rubles per month.Those who want to get a corporate card will have to add 299 rubles to the account. For the issuance of cash from the account you will have to pay from 2.2% for the operation.
Despite the described tariffs, those who wish to draw up a current account here are always enough. Entrepreneurs are attracted by a large number of branches throughout the country, as well as the presence of a personal manager who is always ready to help the client.
Bank Avangard
This large commercial bank professionally approaches the issues of servicing business owners. Here you can also open a current account for individual entrepreneurs. Where is more profitable? The tariffs that are offered here cannot be called the most convenient for beginners. But for owners of a large business, the services will seem very convenient.
At the rate of "Basic" for opening an account you will have to pay 1000 rubles. The cost of monthly maintenance is 900 rubles. For each payment order an additional 30 rubles will have to be paid. There is a high-quality Internet bank that supports all modern browsers. In real time, the client can perform most financial transactions. SMS informing is free of charge. Log in to your online account via a USB key.
Intesa Bank
A financial institution came to Russia from Italy. There it is considered one of the largest and most sought after. In the domestic market, few people know the bank. At the same time, many private entrepreneurs prefer to open a current account here, hoping for the reliability of a foreign financial company.
What is needed in order to issue a current account? Opening IP banks offer to carry out for free. Intesa is no exception. But monthly account maintenance costs 1200 rubles. The cost of the payment order is 20 rubles. You can hear a lot of good reviews about the mobile application, through which you can carry out most operations in real time.
Raiffeisenbank
This bank is also foreign. But if almost nobody knows Intesa, then many people trust Raiffeisenbank. The institution has been operating on the Russian market for more than 10 years. Many private entrepreneurs are served here. To the question: “Where is it better to go open a current account for individual entrepreneurs, where is it more profitable?” In 2016, many indicated as an answer to this company. Now the tariffs have risen slightly, although regular customers remained served here.
Opening an account, as in other banks, is free of charge here. But monthly maintenance costs will have to pay 990 rubles. For each payment order you must pay 25 rubles. Expensive can be called a SMS notification service. Every month you need to pay 190 rubles.
Clients can get answers to any questions regarding service by calling the bank hotline. Operators work even at night.
"VTB 24"
A financial institution offers several tariff options for servicing private entrepreneurs. Those who are just starting their own business and do not have large sums of money should pay attention to the “Business Start” product. You will not have to pay anything for opening and maintaining an account. Up to five payment orders per month are also free of charge, in the future the cost of the service is 25 rubles. If less than 50 thousand rubles are paid into the account per month, no commission is charged. You will have to pay only for cash withdrawals - 1% of the amount.
For trade and service enterprises, the Business Cash desk tariff is offered. Opening and maintaining an account is free of charge. Crediting money to the account - 0.3% of the amount. Withdrawal - 1%. The plus is that 25 payment orders per month can be issued for free.
Customers trust a financial institution with ease of service. You can use the Internet and mobile bank for free. Transfers within a financial institution are carried out in a matter of minutes during business hours.
Summarize
How to open a current account for individual entrepreneurs? Where is more profitable in 2017? These questions can be answered only by studying the proposals of several financial institutions. It all depends on the amount that the entrepreneur plans to deposit into the account, as well as the proposed operations. Of great importance is the reputation of the bank. If a company offers favorable rates, but has only been on the market for several years, you should not trust it.