A current account is an indispensable thing for an individual entrepreneur, which makes it possible to significantly simplify payment procedures and bring together all tax, insurance, salary and other payments by automating them.
The owners of the current account remove the extra burden from their shoulders by entrusting it to the bank. And given the large number of proposals for opening a current account today, banks, in the fight for a client, offer a number of additional bonuses, such as interest on the account balance or free service for a certain period. This offer, which combines a high level of service and a number of additional services, can be found by clicking on the link below.
Well, now let's try to disclose the most complete information about the current account, considering what it is, what it is for, and also how to choose the best offer for opening a current account from a number of analogues. Let's get started.
What is a current account and what is it for?
So, the current account for an individual entrepreneur or for an LLC is not important, it is actually an account for doing business, through which all financial transactions of its owner pass. These include, for example: settlements with suppliers and customers, tax deductions, insurance premiums and much more.
According to the law, an individual entrepreneur is not obliged to open a current account, because this is a purely voluntary matter. It is mandatory only for those companies whose income exceeds 100,000 per transaction.
But, if you want to greatly simplify the work, then such an account is necessary. It carries many benefits, including:
- Reduced commission costs. The owners of current accounts have a clearly stated in the rules the amount of commission payments paid for the bank's services (and everyone has to use their services willy-nilly). Moreover, the commission in such cases is an order of magnitude lower than that charged by banks from random clients. There, it may well be 1-3% of the transferred amount, while the owners of the current account pay a fixed amount of about 20-40 rubles for an operation of any size.
- An active trading account, through which payments regularly pass, as well as the growing revenue on it, greatly increase the owner's chances of receiving it.
- Internet banking, which can be used by the owner of a current account, eliminating the need to travel to the bank and stand in lines in order to formalize each operation.
- The owner of the current account can get a portable terminal for plastic cards at the servicing bank, which will further simplify the procedure for processing payments.
- Simplification of work with partners and clients. In modern business, cash is practically not used; all settlements are carried out through electronic payments. I think it is obvious that it is much more convenient to conduct them through a single current account.
- The ability to issue a salary card for yourself and your employees for free, which is directly linked to the current account.
- Automatic payment of taxes and contributions to all organizations, eliminating unnecessary bureaucracy, tedious filling out receipts and problems with the tax service.
As you can see, this tool has many advantages. However, this is not surprising, since all progressive organizations have acquired one for a long time, especially since the costs of opening and maintaining it are minimal.
How to choose a bank to open a current account?
Let's go further, if the thesis that a bank account is simply necessary for a professional business does not cause controversy and criticism, then the issue of choosing a good bank offering favorable conditions and a high level of service becomes more relevant.
In order to simplify the search process for our readers, the site team has compiled a list of requirements that a good bank must satisfy. In particular, these include:
- Low rates for customer service;
- Convenient Internet banking with all the functions that are relevant today;
- Availability of mobile banking and SMS notifications;
- The ability to get a debit and credit card from a servicing bank;
- , by the type of how it happens with bank deposits and deposits;
- An extensive network of banking institutions, branches, terminals and ATMs.
Not all banks in our country meet these requirements. But all of them are observed and organized at a high level, for example, at Tinkoff Bank. Or you can familiarize yourself with the terms and conditions and apply for opening a current account with Sberbank
What documents are needed to open a current account?
The aforementioned Tinkoff Bank allows you to open a current account with a minimum package of documents proving the identity of its owner and organization. The bank will draw up the agreement for signature on its own (it will be possible to familiarize yourself with it before signing).
In this case, you must have the following documents and certificates on hand:
- An extract from the State Register of the country confirming the assignment of the title of individual entrepreneur;
- OGRNIP - certificate of registration of a private person as an individual entrepreneur;
- A certificate with a personal code issued by Rosstat;
- A certificate confirming registration with the tax service;
- Round stamp of your company (if any).
It seems to be nothing sacred, it is quite an ordinary package of documents that every individual entrepreneur or LLC has. The bank representatives will perform all the necessary operations with them independently, after which a bank account, ready for work, will be opened for you.
How to quickly open a current account without visiting the bank?
For those who value their time and want to open a current account without visiting the bank at all, there is a special program from Tinkoff Bank, within which a full-fledged current account for an individual entrepreneur or LLC can be opened as soon as possible, without leaving home or office.
To do this, you must fill out an online application on the official website of the bank, indicating in it:
- Company name;
- An identification number;
- Full name of the owner;
- Contact details (phone number and email address).
After that, scanned copies of the aforementioned documents with signatures and seals must be attached to the electronic application.
The bank guarantees security and the maximum level of confidentiality of data, no one except you and a bank representative will have access to them.
Account details and agreement number will be sent to you immediately after filling out the application.
In which bank is it better to open a current account for an individual entrepreneur?
I think you are wondering why in the course of the article we refer specifically to Tinkoff Bank. The fact is that after analyzing the available proposals, our specialists came to the conclusion that its conditions are the best today in our country.
The best Internet banking in the world, a flexible system of payments and commissions, free account maintenance for the first two months, the issuance of salary cards, funds from which can be withdrawn from any ATM without commission, SMS notifications to customers and much more. All these things make it possible to call a current account from Tinkoff Bank the best offer for individual entrepreneurs in our country.
The bank offers users several tariffs at once, let's look at their basic provisions.
Tariff Simple
As part of using this tariff, the client receives the following package of services:
- Opening a current account for individual entrepreneurs - is free
- is free, for each subsequent - 490 rubles / month.
A small remark - if at the time of opening the account the age of the individual entrepreneur is less than 6 months, the account is serviced by the bank completely free throughout the entire period of its existence - missing
- Accrual of interest on the account balance- 6%
- is free
is free
To accounts of other banks - 49 rubles (regardless of the amount), the first 3 transfers is free - missing
- Commission for withdrawing cash from an account - from 1.5%
- Issue of a salary card - is free(first)
- SMS informing the client - is free
The full list of services provided by the package of services for small businesses at Tinkoff Bank can be found in this application.
Advanced rate
- Opening a current account for individual entrepreneurs and LLCs - is free
- Payment for using the current account - the first two months is free, for each subsequent - 990 rubles / month.
- Internet banking and Mobile Banking fees - missing
- Accrual of interest on the account balance- from 3 to 8% depending on the amount of the balance (the more it is, the higher the interest)
- Transfers between Tinkoff Bank accounts - is free
Tax and insurance payments - is free
To accounts of other banks - 29 rubles (regardless of the amount), the first 10 transfers is free - Commission for replenishment of the current account - missing
- Commission for withdrawing cash from an account - is free within 100,000 rubles per month
- Issue of a salary card - is free(first)
subsequent - 99 rubles per card - SMS informing the client - is free
An information booklet with a full description of the services within the tariff can be seen.
In general, we can say that both tariffs are worthy of attention, and decide which one to choose based on the volume of trade operations and the funds that will pass through your account on a monthly basis. In any case, whatever tariff you choose, you can change it, if necessary, completely free of charge.
Why Tinkoff - the advantages of the bank
And a few more advantages of Tinkoff Bank, which only confirm the optimal status of its offer.
Additional advantages of a current account for individual entrepreneurs from Tinkoff Bank:
- Opening an account without a visit to the bank, waiting and queuing. Everything happens completely online.
- Domestic transfers and payments are available at any time of the day or night, 7 days a week and 365 days a year.
- Account maintenance fees start at RUB 490 per month, which is one of the cheapest offers in the industry.
- Opening and connecting an account for free is almost a unique service for our country. Even, the current account of which we also considered on the pages of our site, charges a fee for opening. In Tinkoff, everything is completely free of charge.
- Simple deposit and withdrawal of cash from the account. Tinkoff Bank debit and credit cards can be cashed at any ATM without fees.
- Each client who has opened a current account with Tinkoff Bank is provided with a personal manager, who can be contacted and asked any questions of interest at any time.
- One of the best in the world and definitely the best internet banking in the country. By the way, Tinkoff is the largest online bank in the world!
- Participation in the "One Own Person" program, in which all users with a current account significantly increase their chances of obtaining a cash loan (if necessary), mortgages and other things. And this is worth a lot in itself.
There are plenty of advantages, both basic and additional, here. It is not for nothing that this proposal was named the best.
Settlement account for individual entrepreneurs with interest on the balance
This service, which is part of the RS from Tinkoff Bank, is not for nothing that we have taken it to a separate item, since he can safely claim the title of unique. Therefore, it definitely deserves to be mentioned once again.
Every entrepreneur knows that money should work, and not lie like a dead weight, while it is not desirable to spray it, withdrawing from one account and transferring it to a deposit / investing in a certain instrument. If only because the transfer fees will cover all the profits.
Here, everything is much more convenient, the stock of funds is stored in the current account and automatically multiplies, and this happens without your intervention. At any time, money can be withdrawn or put into circulation, everything is exclusively in your hands. The service is definitely good and worthy of attention, it certainly won't be superfluous.
Additional services for individual entrepreneurs from Tinkoff Bank
And a few more services, convenient for every entrepreneur, that the owner of the current account can connect.
Salary project
If your individual entrepreneur or LLC has other employees, take advantage of the offer for the free issuance of salary cards, with their delivery to your home or office.
We will not describe now all the advantages of Tinkoff Bank plastic cards, since this is a little out of the scope of the review. Let's just say that within the framework of using them, customers can withdraw cash from any ATM without a commission, receive free services in one of the largest banks in the country, receive cashback and interest on the balance, just like with a current account.
Internet acquiring
Useful for entrepreneurs who have their own website or e-shop. Thanks to this service, you can connect an electronic payment system to the site, accepting funds and making sales throughout the country.
Installation and connection of this service does not require programming skills, and favorable tariffs and a wide range of services allow you to maximize profits.
Online lending system
It also allows you to significantly increase the number of sales by releasing goods to users on credit with approval within 2 minutes.
Serious organizations are actively connecting this service, as are those firms that work with more or less significant amounts and goods.
In general, we can say that Tinkoff Bank has something to offer medium and small businesses in addition to a current account. But let's get back to the topic of our heading anyway.
Well, now we will consider the process of filling out an online application for opening a current account for an individual entrepreneur or LLC. In Tinkoff Bank, it is simplified to the limit. You may have seen the application form earlier in one of the previous paragraphs of this review.
The first thing a user needs to do to register a current account is to go to the official website of the bank, which leads directly to the page with the required form.
- Full name of the company;
- An identification number;
- Full name of her manager, i.e. your;
- Contact phone number for communication;
- E-mail address.
This is how a completed and ready-to-send application looks like.
That's basically it. By clicking on the "Next" button, you will send an application for consideration, it happens very quickly.
After the approval of the application, you will be contacted by a bank representative, with whom you can discuss the process of submitting the documents specified in the previous paragraph. They can either be taken to the nearest branch of the bank in person, or sent in a scanned form, then the process of registering a current account will become even faster and easier. In this case, a sample contract will be sent to your mail.
And if you have any questions - order a call from the bank, you can do this on the same page where the application is filled out. Or leave comments under this article. Our specialists will process them promptly and provide you with information.
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