There are many banks in the Russian Federation where you can open a current account for servicing individual entrepreneurs. Each of them offers many opportunities, but along with them, all banks have their drawbacks.
Bank "Tinkoff"
A current account for an individual entrepreneur in this financial institution meets many requirements of an individual entrepreneur. The main ones are always considered low tariffs and commission. A commission suitable for an individual is 1-2 percent when withdrawing funds from an account. Ideally, many would like to see the commission completely absent, but this is impossible.
Another requirement of the individual entrepreneur to the bank is low tariffs for servicing the account (no more than five hundred rubles per month when funds are flowing, and the complete absence of tariffs in months when there is no such movement). Also, many people need convenient and highly functional Internet banking. All this is provided by Tinkoff Bank when opening a current account for individual entrepreneurs.
About bank
A few years ago, many financial institutions in 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 on the territory of the Russian Federation, which decided to abandon branches and conduct all activities on the Internet. In an interview, Oleg Tinkov said that he did 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 costly. The bank also uses 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 it does not have to pay for offices, ATMs and salaries of employees.
The institution's call centers employ 1,200 employees. The response time is less than two minutes. According to representatives of the bank, about 95 percent of all problems with which customers apply are resolved at the first contact with Tinkoff by phone or via Internet banking.
Bank advantages
Opening a current account for an individual entrepreneur in Tinkoff Bank gives customers a number of advantages. The main one for most private entrepreneurs is the low cost of maintaining an account. There are three tariffs: 490 rubles per month, 990 rubles per month and 4,990 rubles per month. Another advantage of opening a current account with Tinkoff Bank is convenient Internet banking, where the client can use all the services provided by the institution. This service from "Tinkoff" is the highest quality among all that are provided by other banks in the territory of the Russian Federation.
All account transactions are carried out online, 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 in Tinkoff Bank, positive reviews were deserved by the fact that there is no commission when withdrawing less than 400 thousand rubles.
Withdrawals are made to a previously linked debit card or credit card. This means that an individual entrepreneur does not have to visit bank branches and order a withdrawal of funds. The procedure for transferring money from a current account for an individual entrepreneur in 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 in Tinkoff Bank is the accrual of annual interest on the funds that remain on the account. The interest rate is 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
For several years, two tariffs have been applied to the settlement 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 a third tariff - "Professional", the cost of which is 4,990 rubles per month. You have to pay for the use from the second month. Also, in the event that the client does not like the service of the bank, he can familiarize himself with how to close a current account with Tinkoff Bank. Closing is free of charge.
Tariff "Simple"
As already mentioned, the cost of the tariff is 490 rubles per month. Its advantage lies in the fact that if funds were not credited to the account and if money was not withdrawn from it, then there is no commission.
In this plan, 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 are not so active in commercial activities.
Paying taxes does not require any commission. You can also transfer funds within Tinkoff Bank free of charge.
Tariff "Simple". Withdrawal of funds and replenishment of the current account
Another reason for the positive feedback on the current account at Tinkoff Bank is the well-thought-out cash withdrawal system. There are two cards to which you can transfer funds from your 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 you withdraw more funds, the commission will be one and a half percent for every 400 thousand rubles over 150 thousand and 250 thousand rubles for debit and credit cards, respectively (the minimum amount of commission is 99 rubles).
Opening a current account for an individual entrepreneur in Tinkoff Bank attracts many clients because 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 why individual entrepreneurs choose Tinkoff.
The client needs to familiarize himself in detail with how to replenish a current account with Tinkoff Bank. When depositing money to the 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 makes it possible to make the first ten payments free of charge, after which it will be necessary 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 service of unlimited payments. Its cost is another 990 rubles per month.
The disadvantage of this plan is that the individual entrepreneur needs to pay almost a thousand rubles a month, regardless of whether there is cash flow in the account. This tariff is suitable for those individual entrepreneurs who make many payments in the course of their activities. As in the "Simple" tariff, in this tariff plan without commissions, you can pay taxes and transfer funds to the accounts of other clients of Tinkoff Bank.
Tariff "Advanced". Withdrawals
The commission for withdrawing funds in this tariff also depends on which card it will be carried out on. You can withdraw no more than 300 thousand rubles a month to a debit card for free, and up to 350 thousand rubles every month to 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 percentage on amounts of 400 thousand rubles.
This tariff will be beneficial to those persons who have opened a current account for an individual entrepreneur in 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 2,990 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 is a one-time fee. If the amount of replenishment of the account is from one hundred to three hundred thousand rubles, then the amount of the commission is 749 rubles.
Also, for 1,990 rubles, a bank client can purchase a package that allows unlimited replenishment of a current account. But, again, it must be taken into account that this service is not provided to those individual entrepreneurs whose turnover exceeds three million rubles.
Tariff "Professional"
If the previous two tariffs for a current account for an individual entrepreneur in Tinkoff Bank are not able to provide all the services and options that an individual entrepreneur needs, then he can use the third tariff plan called "Professional". Its monthly cost is 4 thousand 990 rubles per month.
For each payment made within the framework of using the “Professional” tariff, an individual entrepreneur is obliged to pay 19 rubles to the bank. It is cheaper by 30 rubles than in the "Simple" tariff plan and by 10 rubles than in the "Advanced" tariff plan. But we must remember that in the first two tariff plans, the debut 3 and 10 payments, respectively, are processed for free. In addition, for 1,990 rubles per month, you can activate the ability to make unlimited payments. And if in the "Advanced" tariff 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". Withdrawal of funds and replenishment of the account
In this tariff plan, the limits for transfers to credit and debit cards without commission have been increased. Thus, an individual entrepreneur can withdraw up to half a million rubles to his credit card without paying a commission. The withdrawal amount to a debit card with zero commission is also 500 thousand rubles. In the event that the amount of money transferred to any of the cards exceeds the established limit by 800 thousand rubles, the commission amount will be equal to one percent of 800 thousand rubles plus 59 rudders. For 4,990 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 in the amount 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 purchasing a package for providing unlimited deposits to a current account.
Additional features
After it was possible to open a current account for an individual entrepreneur in Tinkoff Bank, the client is provided with several free opportunities. Firstly, he will get free access to the mobile application and internet banking. Secondly, a free function will be provided, which involves free confirmation of payment by SMS.
As for the SMS bank, the client can use this option for free only for the first two months. Then you have to pay 99 rubles a month. Also, a manager is assigned to the individual entrepreneur, who can provide advice 24 hours a day and 7 days a week. Once a month, the client is able to change the tariff for free.
Applying for a current account at Tinkoff Bank
An individual entrepreneur must submit an application before starting to use all the features of the service. You can do this on the bank's website. After that, a representative of the institution will contact the client to clarify all the details. Then a questionnaire to be filled out and a list of documents that need to be sent to the bank will be sent to the entrepreneur's e-mail. Also, when applying, you will need to provide the original documents sent. An application for opening a current account with Tinkoff Bank includes the following documents:
- identification code of the taxpayer;
- available licenses;
- passport of a citizen of the Russian Federation or other document that can confirm the identity of a bank client;
- SNILS;
- OGRNIP certificate;
- questionnaire previously sent by the bank by e-mail.
Operating individual entrepreneurs must provide information about their financial situation. It may be one or more documents. An individual entrepreneur can use the following documents as confirmation of his financial situation:
- financial statements for a year or another period;
- the entrepreneur's annual or quarterly tax return;
- certificate of payment of taxes;
- a 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 reports.
There are cases when it is enough for the bank to provide extracts from the book of income and expenses, as well as a report from the IFTS. This applies more to those individual entrepreneurs who have been registered for a long time.
After the client contacted the manager of Tinkoff Bank, received the questionnaire, filled it out and provided all the necessary documents, you should wait a few days. Typically, the procedure for considering an application 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 a 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.
