A current account with Tinkoff Bank for individual entrepreneurs allows you to carry out all payment transactions without wasting time on trips to the department of the institution. The online operator provides the necessary advice.
Features of opening and closing an account
Official site.
When planning an appeal to Tinkoff, where you can open a current account via the Internet, you should pay attention to the features of cooperation:
- Entrepreneurs can open a current account in a few minutes from anywhere with Internet access. This can be a work office, home office, and even a cozy cafe.
- The account will be considered working not from the moment it was opened, but from the time of the first operation, which allows you to create an additional instrument in advance, but activate it as needed.
- To open an account, an individual entrepreneur will need a minimum number of documents; you need to provide copies of an identification number, a civil passport.
The procedure for registering a ruble current account online for businessmen is as follows:
- Write the name of the company.
- Enter the digits of the identification number in the provided column.
- Indicate the contact phone number, e-mail address.
- Write your last name, first name, patronymic.
After filling out the proposed form, you must agree to the terms of data transfer by ticking the appropriate box. A notification will be sent to the specified mail and phone, confirming the successful registration. Also, a letter will be sent to the e-mail box with a link, access codes for entering your personal account.
When an individual entrepreneur enters his online banking, you will need to fill out the proposed form, attach scans of documents.
Important! At the end of the registration procedure, a bank representative will contact the new client and offer to arrange a meeting to sign the documents. The visit can be carried out anywhere, for example, at a company office or in a cafe.
It is logical that a businessman can terminate cooperation with the bank at any time. The procedure itself cannot be called complicated. Reasons for terminating the contract:
- Suspension, complete cessation of business activities.
- Change of banking institution.
- A court decision if it is established that the businessman has violated the law.
- Liquidation of a credit and financial institution.
The process of closing a current account for a business involves:
- collection of a package of necessary documents;
- payment of accounts payable to all counterparties, including a banking organization, partners;
- cashing out the balance of funds;
- filing an application for closing a current account to a bank representative.
At the end of the procedure, you will receive a notification about the termination of cooperation.
Service cost
Conditions and rates.
Tinkoff Bank offers 2 tariff options for individual entrepreneurs. Both can be tested for 2 months, then full service cost must be paid.
How do I withdraw cash?
Cash handling is different for each of the tariff plans, as well as non-cash transactions.
When withdrawing cash using the "Simple" tariff, you must pay 1.5% of the commission, but not less than 99 rubles. For depositing funds, they will take 290 rubles. regardless of the amount. The total amount of cashed funds cannot exceed 400 thousand rubles. per month.
Information! If an individual entrepreneur is a holder of a Tinkoff payment card, he has the right to cash out through it up to 150,000 rubles per month without commissions.
For customers who have chosen the "Advanced tariff", the first 100 thousand rubles. will be cashed without commission. The same amount can be paid at no additional charge. The commission charged on funds cashed in excess of the specified limit is from 79 rubles, while for depositing funds you will need to pay from 0.25% of the credited amount. You can get rid of additional commissions on account replenishment for a month by paying 1990 rubles at a time.
Fact! You can withdraw funds without accruals, transfer money to individuals by activating the unlimited mode for 2990 rubles.
An interesting proposal for both tariffs will be the issue of corporate and salary cards. Entrepreneurs who have chosen the "Simple" tariff get the opportunity to receive one such card for free, the owners of the "Advanced" tariff - two each. If this number of corporate cards is not enough for a businessman, he can order additional copies. Their service for the first two months will cost free. Then you need to pay 99 rubles for each card. per month.
Mobile and Internet Banking for Businessmen
The key advantage of Tinkoff Bank in comparison with competing institutions is its active development in the field of remote cooperation. Its clients can take full advantage of the online account in the mobile version. This means that the payment transaction can be approved from anywhere in the world. Internet banking, which Tinkoff offers, successfully works on the Android system and on the iPhone. It provides its owners with the following benefits:
- Modern functionality helps to carry out, control financial transactions by means of one SMS-subscription in combination with confirmation of transfer, payment.
- When creating several payment orders, they can be signed with one electronic signature.
- The application provides an opportunity to collect all partners in a single network. The function of mass transfer of participants in financial transactions from other banks is provided.
The security system monitors the implementation of all financial transactions, preventing cybercriminals from stealing money.
