Rating of banks for entrepreneurs, a list of the best

The law provides for the possibility for individuals to carry out entrepreneurial activities without opening a current account. Despite this, many decide to use the services of banks in this matter. There are several reasons for this:

1. Cash settlement in our country is limited to one hundred thousand rubles, which presents certain difficulties.
2. Legal entities IP partners are much more loyal to entrepreneurs with an open current account.

Many entrepreneurs are tormented by the question of which bank to choose for financial transactions. To make the right choice, you need to know the criteria that a banking organization must meet. Indeed, comfortable conduct of financial affairs in the future directly depends on this. In this article, we consider the rating of banks for individual entrepreneurs.

Selection criteria

So, what should you look for when choosing a bank for individual entrepreneurship. There are three main criteria highlighted by experts: profitability, a high degree of customer focus, and convenience. Favorable for an individual entrepreneur is a bank that charges a minimum fee for servicing an account. Typical paid services for a bank are:

1. One-time or free account opening.
2. Monthly account maintenance fee (if transactions are performed on it).
3. A one-time fee for connecting to online services is charged.
4. The monthly use of the bank’s online services is paid.
5. Cash withdrawal fee.

Also, some banks provide an additional fee for the transfer of funds. Therefore, before choosing a bank to open an account, an entrepreneur needs to carefully read the current tariffs for the above parameters. To do this, you need to study the rating of banks for individual entrepreneurs.

Customer focus is an important criterion when choosing a bank for an individual entrepreneur. Such banks provide their IP clients with comfortable conditions for cooperation. A customer-oriented bank must have:

1. A hotline telephone number (in most cases, toll-free) to always be able to advise a client in case of any service issues.
2. The speed with which customers are served. After all, IP is often a very limited amount of time.
3. Positive feedback on the work of the bank on sites and in the media.
4. A sufficient number of bank branches.
5. The absence or very rare presence of failures in the bank program.
6. A prolonged business day so that payments sent take place on the day of sending.
7. Security of deposits.

It is often required to open a current account for an individual entrepreneur. Bank ratings can help you make the right choice. A bank convenient for an individual entrepreneur is modern and uses innovative technologies in its activities. Payments are carried out by a credit institution exclusively through modern channels. Large banks quite often to speed up the movement of funds conclude agreements on mutual settlements. Many banks also have online services, which allows the SP to save time on going to the bank.

Rating of banks for individual entrepreneurs

A very large number of banks in Russia provide their services to individual entrepreneurs. It is almost impossible to research the tariffs of all to choose the most profitable and convenient. Therefore, ratings are created for the best banks for individual entrepreneurs, which help to make the right choice. Below are the 7 best banks for private entrepreneurs.

Tinkoff Bank

In this bank you can open an account online.It has the most profitable commissions. An account is opened for free and the first two months of service are also not charged. For beginning individual entrepreneurs, a special tariff is provided that gives the right to six months of free service. The first ten payments on the account are also free of charge. If no operations are performed on the account, then the commission is not paid. Among other advantages, in this bank you can use online accounting (“Kontur”, “My business”).

Another indisputable advantage of Tinkoff Bank is the accrual of interest on the balance of funds, the rate on which can be up to 7%. You can also submit reports to the Federal Tax Service Inspectorate, apply for a salary card or insurance using online services. Plus, Tinkoff Bank has a prolonged trading day, up to 21 hours. Who else participates in the ranking of banks for opening IP?

Bank "Point"

Refers to the group of banks "Discovery". In the first three months of service, the bank provides a discount of up to 70%. The balance of funds, as in the case of Tinkoff, is charged at 7% per annum. The bank provides a service whereby a representative of the unit arrives at the office of a potential client to conclude an agreement and set up a client bank. And at the same time the account opens for free. Money transfers in this bank are also carried out up to 21 hours. The rating of banks for opening an IP account needs to be studied in advance.

Modulbank

As in previous cases, an account is opened free of charge in one day. A specialist can come to the client in the office for paperwork. The advantages of Modulbank are:

• five minutes from the moment of opening an account, you can use the details;
• free online account management service;
• customer support via online chat on the site and on social networks;
• Bank mobile application;
• operational day up to 23 hours;
• the ability to synchronize the account with accounting programs;
• open an IP account; bank rating is mandatory.

Ural Bank for Reconstruction and Development

Opening an account at UBRD takes place in one visit to the bank’s office. You can pre-fill the application on the bank’s website and wait for the employee’s call to clarify a convenient time to visit the bank. In this situation, an account opens in an hour. UBRD provides tariffs in which only account transactions are paid, but not monthly maintenance. An online service is connected for free immediately after its opening. IP can also connect a free service to inform about completed operations. This increases the security of customer funds. An email will be sent to the client about any transaction on the account.

"Business environment" from Sberbank

We are all used to trust Sberbank as a reliable and safe credit organization. He makes a lot of efforts to support all types of business. More recently, Sberbank launched an outstanding project called “Business Environment” on the market. The goal of the project is multilateral support for the business sector. Using this resource, you can submit an application for opening an account online. An agreement is concluded during the day, and after five minutes you can use the account details. It is provided free of charge and provides for the choice of currency from fifty possible options. Payments are from 6 to 23 hours.

In addition, there is the possibility of applying for the installation of a terminal in your office. With it, customers will be able to pay with a bank card, which is preferable for most people today. The rating of banks for opening an IP settlement account does not end there.

Promsvyazbank

In addition to free account opening, mobile and online services, Promsvyazbank provides the following types of IP services:

• Payments online seven days a week and around the clock;
• free and quick check of counterparties;
• synchronization with accounting programs.

Such an account saves customers money and time. Who else participates in the rating of RKO banks for individual entrepreneurs?

Bank Avangard

An account can be opened directly at the bank office or by request on the website. The Bank allows customers to conduct the following operations seven days a week and around the clock: control of an account, transfer of funds, deposit and receipt of cash, payroll to employees.

So, which bank to choose to open an IP account? In any case, it makes sense to make your own detailed analysis of the selected institution. You can rely on the opinion of analysts and choose a bank from the proposed ratings. In any case, the choice depends on your goals and preferences as an individual entrepreneur. We reviewed the rating of banks for individual entrepreneurs.