There are many banks on the territory of the Russian Federation where you can open a bank account for servicing individual entrepreneurs. Each of them offers many opportunities, but together with them all banks have their drawbacks.
Bank "Tinkoff"
The current account for an individual entrepreneur in this financial institution meets the many requirements of an individual entrepreneur. The main ones are always considered low tariffs and commission. A suitable commission for an individual is 1-2 percent when withdrawing funds from the account. Ideally, many would like the commission to be completely absent, but this is not possible.
Another requirement of an individual entrepreneur to a bank is low tariffs for servicing an account (no more than five hundred rubles per month when funds are moving, and there are no tariffs in months when there is no such movement). Also, many need convenient and highly functional Internet banking. All this is provided by opening a bank account for an individual bank Tinkoff.
About the bank
Several years ago, many financial institutions of the Russian Federation refused to service the accounts of private entrepreneurs. Tinkoff was also one of them. In 2014, maintaining a current account for an individual entrepreneur at Tinkoff Bank cost about four thousand rubles every month. This forced private entrepreneurs to turn to other institutions.
Tinkoff is the first bank in the Russian Federation to decide to abandon branches and conduct all activities on the Internet. In an interview, Oleg Tinkov said that he does not understand why other Russian banks spend a lot of money on opening branches, if you can work on the Internet. It is much more convenient and less expensive. The bank also uses the ATMs of its partners. This allows you to save a lot of money compared to other institutions of the Russian Federation. Tinkoff increases its profit due to the fact that there is no need to pay for offices, ATMs and salaries for employees.
In the call centers of the institution there are 1 thousand 200 employees. The response time is less than two minutes. According to the representatives of the bank, approximately 95 percent of all the problems that customers come up with are solved the first time they contact Tinkoff by telephone or through Internet banking.
Bank advantages
Opening a current account for an individual entrepreneur at Tinkoff Bank gives customers a number of advantages. The main one for most private entrepreneurs is the low cost of account maintenance. There are three tariffs: 490 rubles per month, 990 rubles per month and 4 thousand 990 rubles per month. Another advantage of opening a bank account at Tinkoff Bank is convenient Internet banking, where the client can use all the services provided by the institution. This service at Tinkoff is the highest quality among all that are provided by other banks in the Russian Federation.
All operations with the account are listed on the Internet, so customers do not need to visit the bank. However, in some cases, the institution may send a courier to its client. Also, when opening a current account for an individual entrepreneur at Tinkoff Bank, positive feedback was earned by the fact that there was no commission when withdrawing less than 400 thousand rubles.
Withdrawals are made to a previously attached debit card or credit card. This means that an individual entrepreneur will not have to visit bank branches and order a withdrawal of funds.The procedure for transferring money from a settlement account for an individual entrepreneur at Tinkoff Bank takes a little time. It is carried out in a few clicks with a computer mouse.
A unique offer when opening a current account for an individual entrepreneur at Tinkoff Bank is to accrue annual interest on funds that remain in the account. The interest rate is from six to eight percent per year. Therefore, many individual entrepreneurs always keep a certain amount of cash and receive 6-8 percent per year. They are paid once a month.
Tariffs
Over the course of several years, two tariffs were applied to the bank account at Tinkoff Bank. The first tariff is called “Simple”, and its cost was 490 rubles per month. The cost of the second tariff is 990 rubles, it is called "Advanced".
Recently, the bank began to provide the third tariff - “Professional”, the cost of which is 4 thousand 990 rubles per month. You must pay for use from the second month. Also, if a client does not like the bank’s service, he can familiarize himself with how to close a bank account in Tinkoff bank. Closing is free.
Tariff "Simple"
As already mentioned, the cost of the tariff is 490 rubles per month. Its advantage is that if funds were not credited to the account and if money was not withdrawn from it, then there is no commission.
In this tariff, the first three payments are processed free of charge. After that, you need to pay the bank 49 rubles for each subsequent payment. This can be an advantage for those individual entrepreneurs who do not conduct such an active commercial activity.
Payment of taxes does not require any commission. It is also possible to make money transfers inside Tinkoff Bank free of charge.
The tariff is "Simple." Cash withdrawals and account replenishment
Another reason for the positive feedback on the bank account at Tinkoff Bank is its well-thought-out cash write-off system. There are two cards to which funds can be transferred from a current account. These are Tinkoff Black and Tinkoff Platinum cards - debit and credit cards, respectively.
Without paying commissions, a private entrepreneur can transfer up to 150 thousand rubles to a debit card, and up to 250 thousand rubles to a credit card. If more funds are withdrawn, the commission will be one and a half percent for every 400 thousand rubles in excess of 150 thousand and 250 thousand rubles for debit and credit cards, respectively (the minimum commission amount is 99 rubles).
The opening of a current account for an individual with Tinkoff Bank attracts many customers by the fact that no commission is charged when transferring money from partners and counterparties. This is a great advantage over other institutions that operate in the Russian Federation, and perhaps the main reason that individual entrepreneurs choose Tinkoff.
The client needs to familiarize themselves in detail with how to replenish the bank account in Tinkoff Bank. If you deposit money into your current account on your own, you will need to pay 299 rubles for any amount deposited.
Tariff Advanced
The first month of using this tariff is also free. Then the entrepreneur will have to pay 99 rubles every month. Unlike the “Simple” tariff plan, the “Advanced” tariff allows you to make the first ten payments for free, after which you will have to pay 29 rubles for each subsequent payment. But it should be noted that the owners of the “Advanced” tariff are given the opportunity to activate the unlimited payment service. Its cost is another 990 rubles per month.
The disadvantage of this plan is that an individual entrepreneur must pay almost a thousand rubles a month, regardless of whether there is cash flow on the account.This tariff is suitable for those entrepreneurs who make many payments in the course of their activities. As in the “Simple” tariff, in this tariff plan you can pay taxes and transfer funds to the accounts of other Tinkoff bank customers without commissions.
Tariff "Advanced". Withdraw funds
The commission when withdrawing funds in this tariff also depends on which card it will be carried out on. You can withdraw no more than 300 thousand rudders per month on a debit card, and up to 350 thousand rubles every month on a credit card.
If an individual transfers more than 350 thousand rubles to a credit card and more than 300 thousand rubles to a debit card, then he will have to pay another percent in the amount of 400 thousand rubles.
This tariff will be beneficial for those who have opened a bank account for an individual entrepreneur at Tinkoff Bank who have an income of up to 350 thousand rubles and do not want to use a bank debit card. It is also possible to activate the option of unlimited withdrawal to individuals. The cost of the service is 2 thousand 990 rubles per month. If the turnover exceeds three million rubles, then the package is not provided.
Tariff "Advanced". Refill
Commission in the amount of 99 rubles when replenishing an account in the amount of less than 100 thousand rubles - one-time. If the amount to replenish the account is from one hundred to three hundred thousand rubles, then the size of the commission is 749 rubles.
Also, for 1 thousand 990 rubles, a bank client can purchase a package that allows for unlimited replenishment of a current account. But, again, it is necessary to take into account the fact that this service is not provided to those individual entrepreneurs whose turnover exceeds three million rubles.
Tariff "Professional"
If the previous two tariffs of the current account for an individual entrepreneur at Tinkoff Bank are not able to provide all the services and options that are necessary for an individual entrepreneur, then he can use the third tariff plan called Professional. Its monthly cost is 4 thousand 990 rubles per month.
For each payment made as part of the use of the “Professional” tariff, an individual entrepreneur must pay the bank 19 rubles. It is cheaper by 30 rubles than in the “Simple” tariff and by 10 rubles than in the “Advanced” tariff plan. But we must remember that in the first two tariff plans, debut 3 and 10 payments, respectively, are processed for free. In addition, for 1 thousand 990 rubles per month, you can activate the ability to make unlimited payments. And if in the tariff “Advanced” this service was not provided to individual entrepreneurs with a turnover of more than three million rubles, then in this tariff plan there is no such restriction.
Tariff "Professional". Write-off and replenishment of account
In this tariff plan, the limits on transfers to credit and debit cards are increased without commission. Thus, an individual entrepreneur can withdraw up to half a million rubles to his credit card without paying a commission. The amount of withdrawal to a debit card with a zero commission is also 500 thousand rubles. In the event that the amount of money that is transferred to any of the cards exceeds the established limit by 800 thousand, the amount of the commission will be equal to one percent of 800 thousand rubles plus 59 rubles. For 4 thousand 990 rubles an individual can purchase a package for unlimited withdrawal of funds.
When replenishing an account in the amount of one hundred to three hundred thousand rubles, a commission of 749 rubles is charged, as in the Advanced tariff plan. Also, the commission for replenishing an account with less than 100 thousand rubles is 99 rubles. But unlike the Advanced plan, the Professional tariff does not imply the possibility of acquiring a package for providing unlimited replenishment of a current account.
Additional features
After it was possible to open a checking account for an individual entrepreneur at Tinkoff Bank, the client is given several free opportunities. Firstly, he will receive free access to a mobile application and to Internet banking. Secondly, a free feature will be provided, which involves a free confirmation of payment by SMS.
As for SMS bank, a client can use this option for free only during the first two months. Then you have to pay 99 rubles a month. Also, an IP is assigned to a manager who can provide consultations 24 hours a day and 7 days a week. Once a month, the client is able to change the tariff for free.
Filing an application for a bank account at Tinkoff Bank
An individual entrepreneur must submit an application before using all the features of the service. You can do this on the bank's website. After that, the representative of the institution will contact the client to clarify all the details. Then, an application form will be sent to the entrepreneur’s email and a list of documents to be sent to the bank. Also, during registration, it will be necessary to provide the originals of the documents sent. The application for opening a current account with Tinkoff Bank includes the following documents:
- tax payer identification code;
- available licenses;
- a passport of a citizen of the Russian Federation or another document that can confirm the identity of a bank client;
- SNILS;
- certificate of OGRNIP;
- a form previously sent by the bank to e-mail.
Existing individual entrepreneurs must provide information about their financial situation. This may be one or more documents. An individual entrepreneur may use the following documents as confirmation of his financial position:
- financial statements for a year or other period;
- entrepreneur's annual or quarterly tax return;
- certificate of payment of taxes;
- patent for entrepreneurial activity;
- conclusion of the audit company in relation to the annual report for the past year, which should include confirmation of the reliability of financial and accounting reporting.
There are times when it is enough to provide the bank with extracts from the book on income and expenses, as well as a report from the IFTS. This applies more to those individual entrepreneurs who were registered long ago.
After the client contacted the Tinkoff bank manager, received a questionnaire, filled out it and provided all the necessary documents, you should wait a few days. Typically, the application review procedure is from three days to a week. If this procedure ends positively for the client, the bank will open a current account for him, as well as provide all the necessary documents. They will be delivered to the client by courier, who will help arrange everything in any convenient place. After that, you can start using your current account and all the benefits of working with Tinkoff Bank.
