Which bank to choose for an individual entrepreneur in Russia: comparison and reviews

Despite the economic crisis, there have been more and more earning opportunities lately. Many people decide to leave their usual place of work and become an individual entrepreneur. However, in order to run a business profitably, you need to know all the nuances. It is imperative to decide where it is more profitable to open a current account, what is the best bank for an individual entrepreneur. The following will describe the best financial institutions with which you can cooperate in running your own business.

Modulbank

The work of this financial institution is specifically aimed at private entrepreneurs. Acquiring, accounting, payroll projects - all these services can be obtained in one place. You can open a current account here without complications and bureaucracy in just 10 minutes. At the same time, you do not need to pay when concluding a contract. Only additional services, such as a payment order, bookkeeping, will be paid. According to many clients, this is the best bank for individual entrepreneurs. I am pleased with the convenient interface in the online application to the personal account. The entrepreneur can manage the account while on a business trip or on vacation.

Acquiring for individual entrepreneurs is also relevant today. Which bank should you choose? Modulbank can also help in this matter. The cost of connecting the most basic commercial equipment will be 24 thousand rubles. For 30 thousand rubles, you can connect a wireless device for servicing cards. This is especially true for cafes and restaurants. Internet acquiring is also relevant today. It is impossible to do without this for those entrepreneurs who are planning to open their own online store. The cost of connecting the service to Modulbank is only 1000 rubles.

Modulbank also offers to purchase high-quality trade equipment - modular cash registers. This is high-quality equipment, with the help of which even a novice entrepreneur can easily conduct accounting. The cost of a stationary cash desk is 33 thousand rubles.

Customer reviews show that Modulbank offers really many opportunities for business owners. It is no coincidence that many people do not have the question of which bank to choose for an individual entrepreneur. For this reason, the financial institution ranks first on the list.

"Point"

This bank also offers excellent rates for entrepreneurs. The financial institution does not charge money for opening a current account. However, it should be borne in mind that you will have to pay a monthly fee of 950 rubles for services. Economists will execute the first 5 payment orders free of charge. For each subsequent one you will have to pay 50 rubles. You can hear good reviews about the online account of Tochka Bank, which is protected by a double password. To enter, it is not enough to enter your username and password. The site will ask for more numbers from the SMS message.

The financial institution also offers merchant acquiring for individual entrepreneurs. Which bank should you choose? It all depends on the turnover. You will have to pay 2.5% of the amount that passed through the terminal during the reporting month. After the client pays by card, the money is credited to the account of the entrepreneur on the next business day.

Internet acquiring from a bank “The point is a little more expensive. You will have to pay 3.5% of the turnover. In this case, the purchase amount will be credited to the account only after two working days.

How to choose a bank for an individual entrepreneur if several employees will work for the company at once? In this case, Tochka bank is also perfect. The financial institution implements salary projects. Employees can receive financial rewards for their work on Rocketbank cards.

Bank "Tinkoff"

Which bank to choose for an individual entrepreneur in Moscow? According to many entrepreneurs, this financial institution is the most suitable. Primarily because it has enough compartments. At any time, you can get advice from a qualified specialist, in addition, Tinkoff Bank offers favorable rates for doing business. As in previous cases, you will not have to pay for opening a current account. Moreover, there is no need to pay the monthly fee for the first 3 months. In the future, the monthly cost of servicing the account will be 490 rubles.

You can hear a lot of good reviews about the work schedule of a financial institution. Payments enter the account regularly - without holidays and weekends, from 7:00 to 21:00. Only in rare cases are there exceptions. More options will be given to those who download the free mobile application for account control. The program has built-in accounting, which greatly facilitates reporting for the tax authorities. You can send the declaration directly from your personal account. He will remind you of the need to submit a report to the tax bank in a few days using an SMS notification.

If the question arises, which bank is better to choose for an individual entrepreneur, if it is necessary to pay for the work of the company's employees, you can also pay attention to Tinkoff. The financial institution offers profitable ones. No commission is charged for transferring money to employees. Plastic cards are also issued free of charge. Reviews show that you can withdraw money for free anywhere in the world.

"Alfa Bank"

Which bank to choose for an individual entrepreneur in Russia for those who are just planning to start their own business? It is worth paying attention to the tariff from Alfa-Bank called Startup. A current account is opened free of charge, you will have to pay 890 rubles a month for service. The plus is that you can create up to 5 free payment orders every month. Reviews show that this is quite enough for a budding entrepreneur.

Like other financial institutions, Alfa-Bank offers to use the service of a personal account. The downside is that you will have to pay 990 rubles one-time for the connection. Together with it is characterized by increased reliability and ease of use. A private entrepreneur can enter his account from any browser. There is also an application for tablets and smartphones.

For novice entrepreneurs, Alfa-Bank is also convenient because it offers free legal advice. It is possible to get the help of a qualified specialist who will tell you how to open an account correctly in a particular case, what documents to pay attention to.

Ural Bank for Reconstruction and Development

The financial institution offers beneficial services for small and medium-sized businesses. Here you can also open an account for individual entrepreneurs. Which bank should you choose? The decision should be made after evaluating the proposals of several organizations. For novice businessmen, you should pay attention to the Economy tariff. When opening an account, you will not have to pay for bank services, but the monthly subscription fee will be 650 rubles. The cost of a payment order is 25 rubles.

You can hear good reviews about online banking for a financial institution. The data in your personal account is reliably protected. Each individual entrepreneur can manage an account remotely.

Many people choose the Ural Bank for Reconstruction and Development due to advantageous acquiring. Both a shopping option and a resource for online stores are offered. At the same time, the client will have to pay only 1.8% of the turnover of funds passing through the terminal. If a private entrepreneur provides his own equipment (trade terminal), he will have to pay 1.7% for bank services.

Bank "Avangard"

Due to the low cost of service, this financial institution is popular with private entrepreneurs who operate in small towns. The downside is that you will have to pay 1000 rubles to open an account. The monthly subscription fee is 900 rubles. For each payment order, you will have to pay an additional 30 rubles. The financial institution also offers convenient internet banking. The client receives SMS notifications on account operation free of charge.

Bank "Avangard" offers simple and secure payments by bank cards. Which bank to choose for an individual entrepreneur if you plan to work via the Internet? Reviews show that in this case, it may well be beneficial to cooperate with this financial institution. Bank "Avangard" offers both classic trade and Internet acquiring. The cost of the service will depend on the turnover of funds. If more than 300 thousand rubles pass through the terminal in a month, you will have to pay a commission at the level of 2.9%.

Favorable conditions for salary projects are also offered. It is possible to obtain a targeted line of credit for remuneration of employees. Thus, the risks related to the firm's performance are significantly reduced.

"Promsvyazbank"

The financial institution offers a full range of services related to settlement and cash services. Opening an account for an individual entrepreneur takes place quite quickly here. Which bank should you choose? Promsvyazbank is quite suitable for small and medium-sized businesses. When concluding an agreement with a financial institution, you will not have to pay anything. The monthly fee is 1050 rubles. The cost of a payment order is 45 rubles. High-quality Internet banking works, which allows you to track the movement of the account anywhere in the world.

In 2017, the bank introduced a new service. For clients who have just registered as private entrepreneurs, the financial institution offers to open an account free of charge and maintain it for three months. Customers who conclude an agreement with the bank before December 31, 2017 will be able to take advantage of this opportunity.