Appendix 1 to the Regulation

“On the procedure for opening, reissuing and closing accounts

Clients - legal entities and individual

entrepreneurs” (version 2)

List of documents submitted by legal entities - residents for opening an account in the Open Joint Stock Company "Rosgosstrakh Bank"

1. To open a current account

1.1. Account opening application in the form established by the Bank. The application must be completed on behalf of the legal entity, signed by the head of the legal entity or its representative, acting on the basis of a power of attorney to open / open and dispose of funds on the account, and the chief accountant or a person authorized to maintain accounting on the basis of an administrative act of the head of the legal entity , and sealed with the seal of the legal entity or the seal of the representative office (branch), if any.

If there is no position of a chief accountant or a person authorized to maintain accounting records in the state, the Application can be signed only by the head of the legal entity or a representative of the legal entity.

1.2. Copy Certificate of state registration of a legal entity (including the latest Certificate of state registration of changes, if such changes were made). The copy is certified: by a notary public, or by the body that issued the document, or by the head/employee of the legal entity1, provided that the original document is submitted to the Bank to verify that the copy matches the original, or by the Bank employee, provided that the original document is presented to the Bank.

If there is a Certificate of state registration/making an entry in the Unified State Register of Legal Entities, federal executive authorities2, a copy of the Certificate, certified in accordance with the procedure established above, is submitted to the Bank.

Religious associations, trade unions, their associations (associations), public associations, as well as bar associations provide a copy of the Registration Certificate issued by the Ministry of Justice of the Russian Federation or its territorial bodies in the constituent entities of the Russian Federation, certified in the manner prescribed above.

consumer cooperative

Copies of constituent documents must be certified: by a notary, or by the head/employee of the legal entity (subject to the provision of the original document to the Bank to establish the correspondence of the copy to the original), or by the Bank's employee upon presentation of the original document.

State authorities of the Russian Federation, state authorities of the constituent entities of the Russian Federation, local self-government bodies submit legislative and other regulatory legal acts, adopted in accordance with the procedure established by the legislation of the Russian Federation, decisions on their creation and legal status.

1.4. Copy of license (permit), issued to a legal entity in accordance with the procedure established by the legislation of the Russian Federation for the right to carry out activities subject to licensing , if these licenses (permits) are directly related to the legal entity's legal capacity to enter into a bank account agreement of the appropriate type, for example, a license of a professional participant in the securities market: to carry out depositary activities, to carry out brokerage activities, to carry out activities to manage joint-stock investment funds / mutual investment funds / non-state pension funds, to carry out securities management activities.

A copy of the license (permit) must be certified: by a notary public, or by the body that issued the document, or by the head/employee of the legal entity, provided that the original document is submitted to the Bank to determine whether the copy matches the original, or by the Bank's employee, provided that the original document is presented to the Bank.

1.5. Card with samples of signatures and seal imprint (f. 0401026) , notarized or directly at the Bank's premises in the presence of a Bank employee. The procedure for issuing a card is carried out in accordance with the Instructions of the Bank of Russia "On opening and closing bank accounts, accounts for deposits (deposits)" -I.

1.6. Copies of documents confirming the authority of persons specified in the Card with samples of signatures and seal imprints, for the disposal of funds in the bank account, certified: by a notary public, or by the head/employee of the legal entity, provided that the original document is submitted to the Bank to establish the correspondence of the copy to the original, or by the Bank employee, subject to presentation in Bank of the original document.

In the event that the agreement provides for the right to dispose of funds in a bank account using an analogue of a handwritten signature, copies of documents confirming the authority of persons entitled to use an analogue of a handwritten signature must be submitted.

1.7.A copy of the document confirming the powers of the sole executive body of the legal entity, certified: notarized, either by the head/employee of the legal entity, provided that the original document is submitted to the Bank to establish the correspondence of the copy to the original, or by the Bank's employee, provided that the original document is presented to the Bank.

1.8. A copy of the Certificate of registration with the tax authority of a legal entity, certified: by a notary public, or by the body that issued the document, or by the head/employee of the legal entity, provided that the original document is submitted to the Bank to verify that the copy matches the original, or by the Bank's employee, provided that the original document is presented to the Bank.

1.9. Copy of the letter from Rosstat (Federal State Statistics Service) on the assignment of codes for all-Russian classifiers - requested in the presence of.

1.10. Copies of documents certifying personality of persons , specified in the Card with samples of signatures and seal imprints, as well as the person submitting documents to the Bank for opening an account.

In the case when the opening/opening and disposal of funds on the account is carried out through a representative (trustee) of a legal entity, a copy of the identity document of the person authorized to do so must be submitted.

In the event that the contract provides for the right to dispose of funds in a bank account using an analogue of a handwritten signature, copies of identity documents of persons authorized to do so must be submitted.

If the card does not contain the signature of the sole executive body (manager) of the legal entity, the Bank is also provided with a copy of its identity document.

Copies of identity documents are certified: notarized; Bank employee upon presentation of the original.

1.11. Power of attorney for the opening/opening and disposal of funds on the account in cases where the opening/opening and disposal of funds on the account is carried out through a representative (trustee) of a legal entity. A power of attorney on behalf of a legal entity is issued signed by its head or another person authorized to do so by its constituent documents, with the seal of this organization attached. The provided power of attorney must contain data that allow identifying the person who is granted the authority to open / open and dispose of funds on the account: last name, first name, patronymic (if any), date of birth, name and details of an identity document, sample signature .

1.12. Bank account agreement in the form established by the Bank , filled in on behalf of the legal entity and signed by the head of the legal entity or a representative of the legal entity acting on the basis of a power of attorney to open and dispose of funds on the account, and sealed with the seal of the legal entity or the seal of the branch (representative office), if any - in two copies.

1.13. Customer profile , drawn up in the form of the Bank and signed by a legal entity or a representative acting on the basis of a power of attorney to open / open and dispose of funds in the account.

Questionnaire of the client's representative (if the account is opened by a representative) , drawn up in the form of the Bank and signed by a representative acting on the basis of a power of attorney of a legal entity to open / open and dispose of funds on the account.

1.14. A document confirming the existence of a legal entity at the actual address and its permanent management body or persons who have the right to act on behalf of a legal entity without a power of attorney. This document means (one of the following options):

3. To open a special brokerage account for a brokeradditionally seems to opium of the agreement on the basis of which the broker provides brokerage services,

4. To open a special depository account for a depositoryadditionally to the documents specified in clause 1 seems to opium of the agreement on the basis of which the depository provides depositary services, certified: by a notary, or by an employee of the Bank, subject to the presentation of the original document to the Bank.

5. To open a budget account appear:

- documents specified in clauses 1.1-1.12 (except for the documents specified in clause 1.4),

- a document confirming, confirming in accordance with the law, the right to open the specified account with the Bank.

6. To open a special bank paying agent account in addition, a copy of the agreement or draft agreement concluded with the credit institution on accepting payments from individuals is submitted.

7. To open a special paying agent account, The service provider shall additionally submit a copy of the agreement or draft agreement on accepting payments from individuals.

If the legal entity already has an account in the same a territorially separate division of the Open Joint Stock Company "Rosgosstrakh Bank", or a legal entity opens more than one account at the same time in one separate division of the Bank, then the documents submitted to the Bank earlier and valid at the time of opening a new account are not submitted for each subsequent account (except for an application, a bank account agreement and an extract from the Unified State Register of Legal Entities with the date of issue not earlier than 30 calendar days prior to the date of application to the Bank).

If a legal entity has already opened an account with friend territorially separate subdivision of the Bank, the client must submit a complete set of documents at the place of account opening.

1 Copies of documents certified by the head / employee of a legal entity must contain the signature of the person who certified the copy of the document, his last name, first name, patronymic (if any) and position, as well as an imprint of the seal (if it is absent, a stamp) of the legal entity.

2 The system of federal executive authorities includes federal ministries, state committees of the Russian Federation, federal commissions of Russia, federal services, Russian agencies, federal supervisors of Russia and other federal executive authorities provided for by decrees of the President of the Russian Federation.

How to open a current account for an individual entrepreneur

How to open a current account for an individual entrepreneur

When an entrepreneur has settled all the issues of registering himself as an individual entrepreneur with the tax authorities, he still has to solve a number of problems, namely: which tax regime to choose, how and who will conduct the accounting services for his business, the availability of a seal. Also an important dilemma for the future businessman is the question: “Where and how to open a current account for an individual entrepreneur?”

Is a sole proprietor required to open a checking account?

So, first we will answer the questions, is it necessary for an individual entrepreneur to open a current account and why should this be done? On the one hand, a current account is beneficial for an individual entrepreneur in that it is a depository one and a significant amount of money can be stored on it. In addition, with the help of a settlement account, an individual entrepreneur can carry out non-cash transactions with his counterparties. It is also convenient for the tax inspectorate to control the income and expenditure of financial resources of the individual entrepreneur. On the other hand, an individual entrepreneur spends additional time delivering payment orders to the bank.

So, is it necessary to open a current account for an individual entrepreneur? Yes need!

Is it necessary to open a bank account for sole proprietorship? No, not necessarily! An individual entrepreneur has every right to conduct business without a bank account. For his absence, the individual entrepreneur does not bear any responsibility. But there are some points to keep in mind.

According to the current legislation of the Russian Federation, an individual entrepreneur is not required to open a current account. But using an individual's account for doing business is also wrong. What, for example, bank details do you indicate in contracts with counterparties?

Another thing is if your activity is based on cash payment. In this case, a bank account for IP is not needed. But a bank account is a good place to store funds. An individual entrepreneur, making payments by transferring funds from one bank card to another without using cash, can run his business for quite a long time. Let's see why.

As an example, let's take an individual entrepreneur - a small online store. He does not have a current account, because upon delivery of the goods, payment is made in cash. But progress does not stand still, and sooner or later buyers will want to pay by transferring non-cash funds from a bank card or electronic money. IP will be forced to cash out this money. There is nothing difficult in this. An entrepreneur can continue to be a client of the bank and slowly withdraw money. But the bank staff will eventually turn their attention to the stable payments that indicate the conduct of business, and get serious about the history of the IP's money transfers. In this case, the bank has every right to refuse the service provided. And then the IP will be forced to look for another bank that will not require the IP to provide documents explaining the source of the funds received. This, again, will take a long time.

What current account to open for IP

When answering the question of which current account is better to open for an individual entrepreneur, we advise you to pay attention to:

The cost of settlement and cash services (hereinafter referred to as RKO). At the same time, you need to find out from the bank about the amount of commission for opening an account, the cost of Internet banking, monthly maintenance, fees for depositing and withdrawing funds, etc.;

The presence of an attached manager who solves all the client's questions;

Availability of remote service "Client-Bank". At the same time, paying attention to the fact that the service was simple, convenient and technologically advanced;

Distance to the bank, since it is important that the bank is located close to your actual location;

The cost of bank products such as loans, overdrafts, letters of credit, foreign exchange transactions, bank guarantees, etc.

It is logical if you will be served as an individual entrepreneur in the same bank where you were served and as an individual. If the bank suits you, and you have a good reputation in it, then there is no need to change it.

If you have never been a client of the selected bank, but want to open a current account for an individual entrepreneur there, the feedback from other entrepreneurs will help you make the right decision. You have every right to check the bank, because you trust it with the funds you have earned.

Documents required to open a current account for an individual entrepreneur

The list of documents required to open an account must be provided to you by the bank. You can familiarize yourself with it directly at the bank office or on its website.

As a rule, the following documents are required to open a bank account:

Original OGRNIP (a notarized copy is possible);

Extract from the register of individual entrepreneurs;

Original TIN (a notarized copy is possible);

Entrepreneur's passport;

Power of attorney and passport of the trustee of the individual entrepreneur (if the personal presence of the individual entrepreneur is not possible when registering a current account);

Powers of attorney and passports of persons entitled to sign, to indicate in the bank card their signature and stamp of the individual entrepreneur (if any);

A receipt indicating the exact address if the actual location of the individual entrepreneur does not correspond to the place of its registration;

A letter from Rosstat, which an individual entrepreneur independently receives from the statistical authorities.

The bank provides the entrepreneur with some documents, for example, an application for opening an account, an agreement for the provision of banking services, a card with signatures, etc. Different banks may have their own forms of these documents. An individual entrepreneur can receive them at a branch or print them from the official website of the bank.

Do not be surprised if a bank employee asks for all documents to be notarized, especially if documents are drawn up by a representative of an individual entrepreneur.

How much does it cost to open a business account

After weighing all the pros and cons, you still decided to open a current account for an individual entrepreneur. In this case, you should know the rates of banks:

The cost of the service for opening a current account ranges from 0 to 1000 rubles;

The cost of maintaining a bank account - from 0 to 1000 rubles;

The cost of transferring funds via the Internet to the account of an individual served in the same bank is 0 rubles;

The cost of transferring funds via the Internet to the account of an individual who is served in another bank is from 20 to 50 rubles;

The cost of certifying and attesting the authenticity of the entrepreneur's signature is from 0 to 500 rubles.

When an entrepreneur intends to conduct a small number of banking operations, it is better to choose a bank with a current account maintenance cost of 0 rubles or a small commission. Do not hesitate, you can find such a bank, but it is unlikely to be famous. If an individual entrepreneur conducts a large number of transactions every month, then it is better to choose a well-known bank and a tariff consisting of many banking services.

Often an individual entrepreneur, doing business in the foreign economic arena, opens three bank accounts at once: in rubles, in dollars and in euros. Please note that the bank in its documents may charge a fee for maintaining each account. It will be unpleasant to find out that you were counting on a commission of 1000 rubles per month, but received - 3000 rubles per month. Specify the bank's tariffs for the implementation of currency control. As a rule, a fixed commission for depositing small amounts into the account is 300 rubles and 0.5% for depositing large amounts into the account.

How to open a current account for an individual entrepreneur for free

Of course, you would like to open a checking account for an individual entrepreneur cheaply, if not completely free. This is quite possible, you just need to track the shares of the bank.

A well-known bank, Sberbank of Russia, has a special offer for entrepreneurs. The bank offers to open a current account for individual entrepreneurs for free. Additionally, the offer presents the beneficial use of such banking services as a fixed cost of account maintenance and others.

As a result, an individual entrepreneur, opening an account for free, pays only for monthly maintenance. The price of opening an account without promotional benefits is about 2000 rubles, in Moscow - 2400 rubles, as well as account maintenance - 1800 rubles per month. If an individual entrepreneur takes a loan for business development from Sberbank of Russia, then maintaining a bank account will cost him only 700 rubles a month.

Banks hold shares to support entrepreneurship, whose income does not exceed 1.8 million rubles.

Veterans of the Great Patriotic War;

Disabled people.

You will also receive an additional range of banking services for free if you choose to open a current account for an individual entrepreneur in Sberbank of Russia.

You can also open a current account for an individual entrepreneur for free at Alfa-Bank. We are talking about the simplest and first account, you will have to pay for everything else:

Account maintenance - about 1090 rubles per month;

Internet banking - about 900 rubles.

Prepayment for six months or a year of account maintenance will allow IP to save. A bank manager can go to the home address of the individual entrepreneur and draw up a current account on the spot. The final settlement account will be issued and activated within three days.

In which bank to open a current account for an individual entrepreneur in St. Petersburg: TOP-25

Here is the rating of banks, created on the basis of the cost of opening a current account. The rating includes 100 Russian banks with the most economical tariff options, but we will present only 25 of the very best, offering the most profitable way to open a current account for individual entrepreneurs.

The average value in the city (all banks) is 3091.70 rubles.

1. Bank Tochka(tariff plan "LOUKOST") - 0 rubles;

2. UniCredit Bank(tariff plan "Comfort") - 0 rubles;

3. VTB Bank of Moscow(tariff plan "Small business" + tariff plan for IP "Start") - 0 rubles;

4. Tinkoff Bank(tariff plan "Advanced") - 0 rubles;

5. Modulbank(tariff plan for IP "Optimal") - 0 rubles;

6. BALTINVESTBANK(tariff plan for IP "Start") - 0 rubles;

7. SKB-Bank(tariff plan for IP "Start-Up"; the plan is valid only for entrepreneurs registered in the USRIP for more than a year) - 25 rubles;

8. Raiffeisenbank(tariff plan for IP "Start") - 500 rubles;

9. Alfa Bank(tariff plan for IP "StartUp") - 990 rubles;

10. Credit Europe Bank(standard tariff plan) - 1000 rubles;

11. Mosoblbank(standard tariff plan for individual entrepreneurs) - 1105 rubles;

12. Intesa Bank(tariff standard + for IP "Onliner") - 1225 rubles;

13. Promsvyazbank(tariff plan "Basic" (Business Light for individual entrepreneurs)) - 1290 rubles;

14. Novikombank(tariff plan for IP "Standard") - 1400 rubles;

15. Northern Sea Route(SMP Bank) (standard tariff for individual entrepreneurs) - 1500 rubles;

16. Avangard Bank(standard tariff for individual entrepreneurs) - 1590 rubles;

17. Ural Bank for Reconstruction and Development(tariff plan for IP "Economy") - 1900 rubles;

18. Interprogressbank(standard tariff for individual entrepreneurs) - 1900 rubles;

19. Moskommertsbank(tariff plan for IP "Basic") - 2000 rubles;

20. Russian Capital(standard tariff for individual entrepreneurs) - 2200 rubles;

21. MTS Bank(standard tariff for individual entrepreneurs) - 2400 rubles;

22. Surgutneftegazbank(standard tariff for individual entrepreneurs) - 2400 rubles;

23. Bank Rosgosstrah

24. Binbank(standard tariff for individual entrepreneurs) - 2500 rubles;

25. Zapsibkombank(standard tariff for individual entrepreneurs) - 2600 rubles.

We answered the question of how to open a current account for an individual entrepreneur. Now we will find the answer to the question of where to open a current account for an individual entrepreneur in 2016 with a benefit for business. The following characteristics of the bank must be taken into account:

Serviceability;

Reliability level;

The possibility of carrying out transactions through the service "Internet banking";

Possibility of providing bank terminals;

Options for cashing money from the IP current account;

Account maintenance cost.

Let's analyze each criterion in more detail.

Service

The ability of the bank to make the service the most convenient for the client. The speed of banking operations, the ability to open an account via the Internet are the undoubted advantages of the bank.

Typically, banks mark their entrepreneurial clients as VIPs, and therefore they serve them quickly and efficiently.

Reliability

An individual entrepreneur trusts the bank to keep his money, so it is important to check the bank for reliability. Particular attention should be paid to newly emerging banks, because if the bank fails to manage its activities and the Central Bank revokes its license, your current account will be blocked, and there is a great opportunity to never see the money earned.

Sberbank of Russia is considered one of the most reliable Russian banks, due to the fact that its main shareholder and founder is the Central Bank of the Russian Federation. This, in turn, means that the activity of Sberbank is controlled by the state, which, accordingly, guarantees the safety of the finances of the individual entrepreneur.

The reliability criterion is related to the duration of the period of banking activity, as well as the financial reputation of the bank.

Sberbank of Russia;

VTB Bank;

Bank "Ugra;

Bank UralSib.

Each region of Russia has its own reliable banks. It is better for an entrepreneur to have several accounts in different banks.

Internet banking

We are talking about the use by the bank of the "Client-bank" service, which is an electronic communication system between the individual entrepreneur and the bank, otherwise "Internet banking". This service has several levels of client funds protection. The system makes it possible, without coming to the bank, to use banking operations remotely, for example:

See the amount of money in the account at the moment;

Check if funds have been credited to the account;

Pay a certain bill without leaving your home;

Work with the account and perform many operations remotely.

An individual entrepreneur should be aware of two information security systems:

It is possible to enter the Internet banking page after entering a login and password (the login will be reported at the bank, and you will come up with a password yourself - preferably complex). The reality of the user will be confirmed by SMS with an access code that came to your phone. The access code is entered in a special line, and the system directs you to a personal page;

The Client-Bank system is installed on the IP computer. The IP accountant deals with all operations through a computer, exchanging information with the bank. In this case, the individual entrepreneur does not have a special password - he receives a key from the bank. The task of the key is to generate a password for any connection to the "Client Bank", which cannot be hacked.

The second protection system is more effective for the safety of IP financial resources.

Bank terminals

Before opening a current account for an individual entrepreneur, check with bank employees about the availability of terminals. In modern times, many people pay for purchased goods using a bank card.

What does it give:

Free provision of a terminal after concluding an agreement with the bank (without a terminal, your business may suffer due to a decrease in turnover);

The ability to connect a terminal in your store (check with bank specialists).

There are several types of bank terminals that can be used at retail outlets of entrepreneurs:

A terminal that works by telephone;

A terminal operating through the use of mobile cellular communication, i.e. through a SIM card;

Terminal operating via the Internet.

As a rule, the bank offers its potential client to consider all three types of terminals and choose the most suitable one. It is easy to make a purchase through the terminal: the buyer purchases the goods, and after a certain amount of time you receive funds to your current account. The bank takes about 1-2% of the purchase amount for this service.

How to cash out an account

The funds on the current account of the individual entrepreneur are his property, which means that he can own, use and dispose of them at his own discretion.

You can cash out funds from the IP settlement account in the following ways:

Open checkbook;

Open a salary card of this bank.

Undoubtedly, few people use cashing out through a checkbook, but this method should be considered, since it is very beneficial for individual entrepreneurs. The entrepreneur enters the required amount in the check, and the person to whom this check is issued cashes it.

Be very careful when writing a check. It is not allowed to have strikethroughs, errors, corrections on the check, in addition, it must be legible.

Difficulties with this type of cashing out:

Attentive and accurate filling of the document;

The personal presence of the owner of the check is obligatory when paying;

Issuance of funds within a day after filling out the check.

You will not have these problems if you issue a salary card to withdraw money directly from the IP current account. Payroll benefits:

Instant withdrawal of funds in any bank terminal;

The possibility of processing the withdrawal of funds while at home;

Conducting activities through Internet banking.

Service cost.

Before opening a current account for an individual entrepreneur, it is very important to find out the bank rates. When opening a bank account, there are several expenditure components:

Opening a current account for individual entrepreneurs. Tariffs in this part of the costs may be different, depending on the region of activity;

The cost of various banking operations with your funds (external and internal);

Monthly payments for current account maintenance. Each bank has its own requirements for this part of the expenses, however, if no transactions were made on the account, then basically banks do not charge a service fee for this period.

Carefully study the service agreement, where all conditions and prices are prescribed.

How to open a current account for an individual entrepreneur: banks and their advantages

Sberbank of Russia

For this bank, it is required to prepare the necessary documents (see the list above), as well as a lease agreement or a certificate of ownership of the premises in which business activities will be carried out. It will take one to three days for the bank to open an account. It is not always possible to open a current account for an individual entrepreneur in Sberbank of Russia for free. Such promotions are introduced temporarily. Basically, the tariffs at Sberbank of Russia are as follows: opening an account - about 2000 rubles, monthly servicing of the Optima, Basis, Active packages - from 2200 to 3000 rubles.

After opening a current account with Sberbank of Russia, you will be provided with the following services:

Maintaining a bank account;

Delivery and withdrawal of cash (0.7-1.6%);

Service "Client Bank";

Free issuance of statements and certificates for maintaining an account at the request of the client;

Work with electronic payments.

Advantages of opening a current account with Sberbank of Russia:

Ability to conduct a large number of cash transactions;

A large number of bank branches;

Low cost of bank operations and services;

It is not necessary to provide notarized copies of the constituent documents of the individual entrepreneur to the bank.

Cons of opening a current account with Sberbank of Russia:

Not everywhere has an electronic queue system introduced;

Insufficient level of service quality for bank customers;

Imperfect technical support;

Customer requests are processed up to 10 days.

VTB 24

To open a current account for an individual entrepreneur in VTB 24, you will not need much time (1-3 days). You will not be asked uncomfortable questions and will not check the actual address of the office space or outlet. The tariff plan offered by the bank immediately includes a sufficient number of services. The bank offers the client a starter package for the first month, and in the future, depending on the specifics of business, you will be offered the best service option.

Bank rates:

Opening an account - about 2000 rubles;

Maintenance - about 1200 rubles per month;

Payment documents in electronic form - 25 rubles;

Payment documents in paper version - 60 rubles;

Commission for the issuance of cash with a limit of 500 thousand rubles - 1%.

You can immediately choose the "Business BKO" package with a set of all the services you need (3000 rubles). For legal entities, there is a "Borrower" package with a fairly wide range of banking services, including loan offers (3,000 rubles).

Advantages of opening a current account for an individual entrepreneur in VTB 24:

Fast processing of client requests;

Provision of services upon request for information from the Unified State Register of Legal Entities, EGRIP;

Postponement of payment for servicing a current account up to 20 days;

Free replacement service pack.

Cons of opening a current account for an individual entrepreneur in VTB 24:

• Fairly high fares.

Alfa Bank

The bank is private and is part of Alfa Group. Alfa-Bank has a large number of branches in various large Russian cities, including St. Petersburg. When opening a current account for an individual entrepreneur in Alfa-Bank, you can book an account online and immediately receive its details. If you do not have the opportunity to visit the bank to open an account, then Alfa-Bank will send a manager to you free of charge.

Bank rates:

Account opening - free of charge;

The cost of payment documents in electronic form - 0 rubles;

The cost of payment documents on paper - 150 rubles;

Account maintenance - from 555 to 6900 rubles per month (in case of prepayment, the bank provides a 25% discount, you can also order an Alfa-Cash card from the bank, automatically linked to the current account).

Advantages of opening a current account for an individual entrepreneur in Alfa-Bank:

High quality service;

Convenient customer service.

Cons of opening a current account for an individual entrepreneur in Alfa-Bank:

The cost of banking services is quite high;

Strict requirements for all incoming documents and strict control of client operations.

Tinkoff

Having decided to open a current account for an individual entrepreneur in Tinkoff Bank, you will be surprised at the minimum rates for opening an account, issuing a bank card and a checkbook. RKO for entrepreneurs is provided free of charge. Having opened an account in rubles or in foreign currency, you will be able to fully conduct business activities by making cashless payments.

Advantages of opening a current account for an individual entrepreneur in Tinkoff Bank:

The entrepreneur receives up to 8% on the funds on the account, can choose additional credit or overdraft;

When opening an account, the bank offers vacations for two months in the form of free account maintenance, use of Internet banking, mobile Internet, receipt of the required number of bank cards with accompaniment, SMS notifications on the movement of funds.

Most of all, IPs are attracted by the two most famous tariffs:

Standard tariff with a subscription fee of 490 rubles per month. It includes a commission of 1.5% for cash withdrawals, 0% for transfers to the card of the same bank, three payments are made free of charge, opening of one corporate card and several salary cards;

Tariff "Advanced" - a monthly fee of 990 rubles. It includes a 0% commission for cash withdrawals, 10 free payments, a money transfer to a card from 100 thousand rubles, the opening of two corporate and several salary cards.

Cons of opening a current account for an individual entrepreneur in Tinkoff Bank:

• The absence of the actual location of the bank, where the client could come, since all work is carried out only through telephone and the Internet.

Bank Avangard

Avangard Bank offers to open a current account for an individual entrepreneur in rubles or in foreign currency in a very short time. The services of the bank can be used by all legal entities, both residents and non-residents of our country. Bank offices are located in 75 Russian cities.

The bank has more than 100,000 clients who are legal entities.

Advantages of opening a current account for an individual entrepreneur in Avangard Bank:

About 300 bank offices in Russia;

Low maintenance cost;

Ability to provide SMS information;

You do not need to install any special software to use Internet Banking.

Cons of opening a current account for an individual entrepreneur in Avangard Bank:

Part-time bank offices;

Paid SMS-informing;

No mobile banking.

Modulbank

Opening a current account for an individual entrepreneur in five minutes, as well as transferring your funds even after the end of the working day until 21:30, is offered by the Bank Module. In addition, the bank has 24-hour information support and the possibility of obtaining expert advice at any time.

Advantages of opening a current account for individual entrepreneurs in Modulbank:

Entrepreneur's round-the-clock access to their finances via the mobile Internet;

Free current account maintenance;

If you have a bank account - easy opening of the required number of accounts, as well as restricting access to them by IP employees involved in IP finance;

Quick and informative operator responses to customer questions;

Automatic connection of the bank software with such online services used by individual entrepreneurs as 1C, Kontur Elba, My business and others;

Free account maintenance, sending notifications to the tax office, details to the client, as well as visiting the client by the bank manager in order to sign the contract;

Independent choice by the client of a tariff that meets his requirements, for example: "Starting", "Optimal" (490 rubles, 3% of accruals on cash balances), "Unlimited" (3000 rubles, 5% of accruals on cash balances). The tariffs include the service of free cash withdrawal up to the limits of the limit amount.

Cons of opening a current account for an individual entrepreneur in Modulbank:

Insufficient number of bank offices;

A new bank, and therefore insufficient trust of entrepreneurs.

Rosselkhozbank

It costs about 2,000 rubles to open a current account for an individual entrepreneur in the Russian Agricultural Bank. Account maintenance - about 800 rubles per month. Remote account maintenance - about 200 rubles per month. Payment of payment documents - 30-60 rubles.

Advantages of opening a current account for an individual entrepreneur in the Russian Agricultural Bank:

Availability of tariffs;

Calculation of interest on the balance of funds on the account.

Cons of opening a current account for an individual entrepreneur in the Russian Agricultural Bank:

• High cost of services.

Promsvyazbank

The cost of opening a current account for individual entrepreneurs and legal entities in Promsvyazbank is about 550-990 rubles. Monthly maintenance - from 550 to 14300 rubles. The cost of maintaining an account can be significantly reduced by making an advance payment for three months. The client is given a choice of different tariffs. The Bank maintains the PSB On-Line system free of charge, which has a high degree of protection, since usb keys are used.

Advantages of opening a current account for an individual entrepreneur in Promsvyazbank:

Booking an account via the Internet and obtaining its details;

High degree of payment protection.

Cons of opening a current account for an individual entrepreneur in Promsvyazbank:

• Accrual of interest for the issuance of cash - 0.4% - 12%.

Bank opening

Opening an account will cost the client about 1000 rubles; account maintenance - about 800 rubles (without the possibility of using the "Client-Bank" service), using the RBS system - 200 rubles. The bank commission for issuing cash depends on the amount issued, for example, for withdrawing 1 million rubles from an account, the commission will be 11,400 rubles. The cost of processing payment documents is from 22 to 30 rubles.

Advantages of opening a current account for an individual entrepreneur in Otkritie Bank:

End-to-end banking service;

SMS notifications on any movement of money on the account;

Assigning a personal manager to each client;

Possibility of using an overdraft facility.

Cons of opening a current account for an individual entrepreneur in Otkritie Bank:

• Insufficient number of bank branches.

Raiffeisenbank

In Raiffeisenbank, opening a current account for an individual entrepreneur is not difficult even for a novice entrepreneur. The bank offers various service packages depending on the size of your business and its turnover. For a novice businessman, the Basic package is suitable. Account maintenance - about 1200 rubles per month, payment documents up to 20 pieces are included in the package, then their cost in electronic form will be 25 rubles, in paper - 120 rubles. The price of the package also includes maintenance of the "Client-Bank" service.

Advantages of opening a current account for an individual entrepreneur in Raiffeisenbank:

Good conditions for starting a business;

The possibility of locating terminals in retail outlets;

The possibility of implementing a salary project on preferential terms.

Cons of opening a current account for an individual entrepreneur in Raiffeisenbank:

• Imposition of additional services by the bank.

Rosbank

Rosbank PJSC offers six service packages for its clients. The bank has preferential terms for servicing an account when purchasing additional services, for example, a loan, a deposit, a bank card, a salary project. Opening a current account for an individual entrepreneur in Rosbank will cost from 1200 to 1500 rubles, maintenance - from 450 to 1300 rubles.

Advantages of opening a current account for an individual entrepreneur in Rosbank PJSC:

No imposition of additional services - the client pays only for those services that he uses;

Accrual of interest on the balance of funds, for example, if the account has more than 300 thousand rubles, then the amount of the deposit will increase by 2-4%.

Cons of opening a current account for an individual entrepreneur in PJSC Rosbank:

Receiving benefits only after agreeing to additional bank services;

A large percentage for the issuance of cash (0.5-10%).

How to open a current account for individual entrepreneurs in 2016

Select a bank.

Inform the bank of your intention to open a current account for an individual entrepreneur (this may be a personal visit, an application on the bank's website, a phone call).

Clarification of the list of documents that are required to conclude an agreement with the bank.

Preparation of the necessary package of documents.

Visit to the bank to sign the contract.

Installation and configuration of remote banking systems such as Internet banking or "Client-Bank".

How to open a current account for an individual entrepreneur online

As a rule, entrepreneurs are very busy people, they save time on everything, even on visiting the bank. But now, when banks provide the service of opening a current account for individual entrepreneurs online, this has become easy. Booking an account via the Internet is not possible in any bank, but still. This will save time for the entrepreneur, because the application is considered as soon as possible. How to use this convenient banking service, consider the example of Sberbank of Russia.

On the website of Sberbank of Russia, find the "Reservation of a current account" tab. Having done a number of simple manipulations, you can book a bank account.

This will provide the following benefits:

Possibility to use the account without visiting the bank;

Preparation by the bank of a package of documents for signing by you within five working days. Full activation of the account will take place after signing the agreement with the bank;

When booking an account, an independent choice of the day of the week and time for signing the contract;

Booking a bank account through an online consultant or through a free call to the phone number indicated on the website;

After providing the necessary documents on your part, signing the agreement and activating the full version of the account, you become a user of all banking services on the current account;

If you booked an account, but did not come to the bank to sign the agreement, the reservation will be canceled, and the bank will send the funds to the person from whom they came.

Sberbank offers to open a current account for individual entrepreneurs in a couple of minutes. That is how much time an entrepreneur will need to fill out forms on the bank's website.

The bank was registered by the Central Bank of the Russian Federation in September 1994 under the name Fintrustbank (CJSC).

A year later, it was renamed into JSCB "Russian Interregional Development Bank" (Rus-Bank).

Since December 2004, the bank has been a member of the system of compulsory insurance of deposits of individuals.

In 2006, the bank changed its full name to Closed Joint Stock Company Rus-Bank, and in November 2007 the legal form was changed to Open Joint Stock Company (OJSC).

In December 2007, Rus-Bank bought the Yekaterinburg bank Jewels of the Urals, later renamed it Rus-Bank Ural, and in January 2010 completed the merger procedure.

In the fall of 2011, Rus-Bank changed its name again - to Rosgosstrakh Bank (abbreviated as RGS Bank), and in April 2015 the legal form was changed to PJSC.

At the end of 2016, information appeared on the market about the upcoming deal to merge the Otkritie group and the Rosgosstrakh group. According to the calculations of the participants in the transaction, the merger would create the largest private financial group with assets of more than 4 trillion rubles and a client base of 50 million people.

In mid-June 2017, the FAS approved a petition for the acquisition by Otkritie Holding of 75% of Rosgosstrakh Bank.

Since August 29, 2017, the Bank of Russia has been the main investor in FC Otkritie Bank. A temporary administration was appointed to the bank, which included employees of the Central Bank and the Management Company "Banking Sector Consolidation Fund".

At the end of August 2017, FC Otkritie acquired a 60.5% stake in Rosgosstrakh Bank, and a little later increased its control to 85%. In early September, FC Otkritie also gained full control over the companies that own shares in the Rosgosstrakh insurance company: entries were made in the Unified State Register of Legal Entities that FC Otkritie bank owns 99.01% in LLC RGS Assets and 99 .95% in RGS Holding LLC.

As of July 1, 2019, the net assets of the credit institution amounted to 73.2 billion rubles, the volume of own funds - 12.35 billion rubles. According to the results of the first half of 2019, the bank shows a loss of 452.15 million rubles.

Branch network:
head office (Moscow);
8 branches;
66 operating offices;
9 additional offices.

The credit institution uses the offices of its strategic partner, the insurance group Rosgosstrakh*, to promote its services.

Owners:
PJSC "Bank" FC Otkritie "- 91.29%;
PJSC IC Rosgosstrakh – 8.71%.

Otkritie FC Bank is currently fully controlled by the Bank of Russia, and also controls IC Rosgosstrakh through a group of companies.

Board of Directors: Mikhail Zadornov (Chairman), Dmitry Levin, Veniamin Polyantsev, Alexander Pakhomov, Alexei Tokarev.

Governing body: Alexey Tokarev (Chairman), Marina Dembitskaya, Irina Tarakanova, Larisa Pavlova.

* The Rosgosstrakh group of companies was founded in 1992 as the legal successor of the Gosstrakh of the RSFSR. According to the consolidated IFRS data for 2018, in addition to the parent company PJSC IC Rosgosstrakh, the group also included subsidiaries: LLC IC ERGO Life, LLC RGS-Med (Syktyvkar), LLC IC RGS Life Insurance ", LLC "LegionCom".

Until recently, the ultimate shareholder who controlled the group was Danil Khachaturov, a member of the Russian Forbes list. In August 2017, the group came under the control of PJSC FC Otkritie Bank, the ultimate shareholder of which is the Bank of Russia.

The group of companies of PJSC IC Rosgosstrakh has more than 1.5 thousand offices in Russia and serves more than 8.7 million customers in 83 regions of presence. The number of personnel of the group was 50 thousand employees (including insurance agents).

According to the consolidated financial statements under IFRS, the total assets of PJSC IC Rosgosstrakh as of December 31, 2018 amounted to 141.16 billion rubles (-6.4% for 2018), own funds - 44.87 billion rubles (+15.8 % for 2018), the volume of insurance premiums received (gross) for 2018 amounted to 68.0 billion rubles (95.23 billion rubles for the same period of the previous year), net profit for 2018 - 6.1 billion rubles (58.2 billion rubles of losses a year earlier).