Rating of banks for IP: where to open an account

Although the law allows for entrepreneurial activity without a settlement account, many Russians still decide to activate this service. There are several reasons for this. Cash payment in our country is allowed only up to 100 thousand rubles. If an organization has an account, it increases its trust in it. Where better to apply for its discovery? The rating of banks for IP will help in this. Each institution offers its own terms of cooperation.

Why do I need an account for a PI?

With an open account, you have the right to several transactions:

• Registration of civil-law documents;
• Execution of transactions for large amounts;
• The possibility of sending funds to legal entities;
• The conclusion of contracts with employees and their payment.

The account is necessary if the businessman takes at least 100 thousand rubles. In his absence, it is necessary to conclude an agreement for each delivery. As a result, it will be more expensive and longer in time. Moreover, with the help of the bank, the conclusion of documents is more convenient. The organization provides a personal manager, who at any time will answer questions about using the account.

Opening an account

The procedure does not take much time. You just need to contact the bank. During this process, you must comply with all the rules, since it is legally significant.

Open or not an account, all entrepreneurs decide on their own. The law of the Russian Federation allows the foundation of an IP without it to an individual. But then many procedures will be inaccessible, since large trading and other children function only by cashless settlement.

Selecting a bank

The rating of banks for servicing IP will allow choosing an advantageous program. Experts advise to focus on:

• convenience;
• Profitability;
• High customer orientation.

Convenience involves the use of modern technology in work. This means that the credit institution performs payments on trusted channels. Often, to speed up the process between large companies, mutual settlements are concluded. Customers are invited to use Internet-based programs to manage the account. You do not need to visit the bank office.

The benefit involves collecting small commissions for the maintenance of the account. Often banks charge money for:

• Opening an account;
• Its management;
• Connection to services for remote maintenance;
• Online service;
• Withdrawal of funds.

Some banks set fees for transferring money. Before opening an account, it is important to familiarize yourself with the tariffs by comparing them.

Features

The best banks are customer oriented. They do everything to make the PI work convenient. The client-oriented attitude includes:

• Availability of telephone for consultation;
• Fast service;
• Positive feedback on the company's work;
• Availability of branches;
• Rare program failures;
• Extended operational day;
• Availability of high-quality encryption channels for security.

In Russia, many institutions are ready to work with entrepreneurs. The rating of banks for individual entrepreneurs is based on the benefits of customers. After reading all the programs, you will be able to choose the appropriate option.

Tinkoff Bank

This institution starts the rating of banks for IP. Customers benefit from the following benefits:

• Free account opening;
• 2 months of free service;
• Beginners of IP are offered to issue a tariff "Simple", under which six months of free service;
• Free implementation of up to 10 payments;
• If there are no turnover, a commission is not necessary to pay;
• Integration in online accounts department "My business" and "Contour".

Many believe that "Tinkoff Bank" is the most suitable for business, as it pays interest on the balance, which can be equal to 7%. Online services are available - submission of accounts to the Tax Inspection, registration of insurance and salary cards. Payments are made until 21:00. "Tinkoff Bank" performs all operations through the Internet, which saves time.

Bank "Tochka" (group "Discovery")

The organization continues the rating of banks for IP. It is also beneficial for the development of its activities. For the first 3 months of service, a discount of 70% is given. The balance is calculated at 7% per annum.

Open an account is very simple. Specialists come to the office, conclude an agreement, set up a client bank for activities using the Internet. Opening is free. The advantages include a long operating day. Internal transfers are carried out throughout the day, and external - from 0:00 to 21:00 Moscow time.

"Modulebank"

In the rating of banks for the IP is "Modulebank". The account is free of charge. This is for 1 day. If desired, you can order the arrival of a specialist in the office, where the documents will be drawn up. The advantages of "Modulebank" include:

• Use of details after 5 minutes after opening an account;
• Free service for using the account online;
• Customer support via online chat, social networks;
• There are mobile applications;
• The trading day lasts from 9 pm to 23 pm;
• Synchronization with accounting systems.

Payment is confirmed by cloud signature and SMS.

UBRD

The Ural Bank for Reconstruction and Development is included in the rating of banks for opening a settlement account of IP. You only need to visit the office. A day later the client will have the requisites. You can fill out the application through the website. Employees call and agree on the transaction at a convenient time. Then the account opens in 1 hour.

UBRD offers tariffs for which there is no fee for keeping the account. You only need to pay for the operations. Internet banking is provided free of charge. When the Light tariff is connected, you will not have to pay for using the account either. To improve security, you can connect the information service about the actions performed. Then it will be convenient to control the movement of the account, because the reports will be sent to e-mail.

Sberbank

The institution is also included in the rating of banks for IP. The settlement account is made out on favorable terms. In Sberbank there is a project "Business Environment", created to support entrepreneurs. You can open an account with it. Within 1 day a service contract is drawn up. Requisites will be provided after 5 minutes.

Account opening is free of charge. There is a choice of one of 50 currencies. The advantage is a long operating day. Payments are made from 6 to 23 hours without days off.

Promsvyazbank

For PI, it has profitable tariffs. The account is opened for free, you can use a mobile and Internet bank. The advantages of such cooperation include:

• Round-the-clock and online payment execution;
• Quick and free check of counterparties;
• Synchronization with accountants in 1s and "My business".

With this account you will save time and money.

Avangard

To open an account, you need to visit the office or make an application on the site. In the second case, the IP will have an account number, which will be immediately used in the work. "Avangard" performs round-the-clock and without days off the following actions:

• Checking the account.
• Charge of money.
• Receipt and deposit of cash.
• Transfer of salary to cards.

Every entrepreneur must determine for himself which account will be most profitable for him. The rating of banks for IP serves only as an aid in this matter. It is desirable that the organization's offices are not far away, since many procedures require a personal visit.

It is also important to have professional support by phone. The listed institutions offer favorable conditions, and therefore cooperation with them will be effective.