Opening a current account for the PI - where, cost, how to withdraw money

After you are registered as an individual entrepreneur (my step by step instruction) and received documents on hands, many will need to open a checking account.

I have already opened a current account 3 times, soexperience is available. The procedure is simple and almost always about the same: you come to the bank with your documents, sign an RKO contract, give you the details of your new account or accounts, issue a card tied to the account, and you go home. Sometimes even the bank does not need to go, and a representative comes to you office or apartment.

The content of the article

About settlement accounts PI

Notify the Federal Tax Service Inspectorate and the FIU about opening or closing a current account is no longer necessary!

Do I need a checking account for individual entrepreneurs?

Do I need an account? By law, this is optional, but when it comes to freelancing and making money on advertising on the Internet, then getting money by bank transfer is often the only option. Yes, it is not prohibited to directly use a personal account of a physical person for the purposes of the PI, but it is not recommended because it is not intended for business purposes, and no one does.

In addition to the current account (or instead), youYou can buy a cash register, register it and receive money in cash, but just for a freelancer it is completely useless. Therefore, I will not tell you anything about this topic.

How can i withdraw money from current account

The first thing you need to understand the current account PInot at all the same as a personal account of a physical person, and they need to be used carefully. Just so you can not withdraw money from him, just like putting. All transactions can be regarded as income or expenses. Otherwise, you will then explain the tax, according to which agreement Uncle Vasya transferred you a certain amount, or why you recorded the purchase of a sofa for expenses, although you are creating websites. The latter, of course, is relevant only for those whose tax is calculated on the forum "income - expenses." In my case, when the simplified tax system is 6%, the costs are not important at all and I can not even write them down, so I sometimes allow to pay for some purchase by bank transfer from the IP account, if it is cheaper than physics.

Here are 3 ways to withdraw money.

  • You can put money through the cashier with a note“Deposit”, and remove with note “withdrawal of profit”. It so happens that the bank needs to be warned about such operations, or there are some other conditions. Check with your bank.
  • Recently, many banks serving IP,offer a free-of-charge card, either tied to the current IP settlement account, or having your own card account (in this case, in fact, you will have two settlement accounts). And further from this card you can withdraw cash from ATMs or pull through cardtocard (c2c) services when transferring from card to card. As a rule, there are restrictions on these cards, how many can be removed a month in general, how many can be removed without a commission, and also the ATMs themselves can charge an additional commission.
  • But the easiest way is to bank transfer from yourthe current account of the individual entrepreneur to his own account opened in the same bank or in another. In the latter case, it will be an ordinary interbank transfer. As a rule, the cost of such a transfer to other banks is fixed and does not depend on the amount of payment, about 20-50 rubles per payment. In some banks there are restrictions on the maximum amount of transfers to individuals per month, so they force them to switch to more expensive tariffs with large limits.

Transfer to your personal account is bettercarry out with notes: “Transfer of own funds. Without VAT ", or" Transfer to personal needs. Without VAT, or "Withdrawal of profits. Without VAT". It is better not to write something like “Salary to an entrepreneur,” or else they may want to withdraw personal income tax from this.

Transfer from the current account of the IP to the account of the individual in another bank

Transfer from the current account of the IP to the account of the individual in another bank

How to open a current account

Tariffs of various banks and their comparison, I laid out in my post - Which bank to choose for IP, be sure to look when you choose a bank. I currently chose Tinkoff with a tariff for 490 rubles per month.

Cost of the current account for the PI

Standard prices are as follows:

  • Opening an account 0-1000 rubles
  • Account management 0-2000 rub / month
  • Wrap cards with your signature 0-500 rub.
  • Transfer through an Internet bank to a personal account of an individual in the same bank 0 rub
  • Transfer through an Internet bank to a personal account of an individual in another bank 20-100 rubles for payment

If you are not very big business and you do not needsomething special, you can find the bank, which has a small monthly fee for maintaining an account - the same Tinkoff. But we must understand that such banks will not be in the top ten. And vice versa, if you have a big business and you need a lot of services, then you can go directly to the top bank and take the most expensive tariff there.

If you are engaged in foreign trade activities (foreign economicactivities) and open 3 accounts in different currencies (RUB, USD, EUR), the bank can take a fee for maintaining each of the accounts. Clarify this. And, it would seem, a small commission of 1000 rubles / month will turn into 3000 rubles / month. It also makes sense to know in advance which commission for currency control. Standardly take a fixed 300-500 rubles for small income, and 0.5-1% of the amount if the payment is several thousand cu.

Some banks have discounts or separate rates for My Business. If you are going to use this online bookkeeping service, then keep this in mind.

Documents for opening an account

The list of documents may differ, as each bank goes crazy in its own way. Be sure to find out what documents your bank needs. I will write a certain average list.

  • Certificate of registration of an individual as an individual entrepreneur (OGRNP)
  • Certificate of registration of an individual with a tax authority (TIN)
  • Card with his signature, certified by a notary
  • Passport
  • Tax return for the previous period or an extract from the previous bank for several months (for old individual entrepreneurs)
  • Print, if you use it in your business

Also on the spot, you still complete a number of documents:
- Application for opening an account or accounts
- Customer profile
- Information about beneficial owners

The originals of all documents are in place.make copies of them. But some banks may request to make notarized copies before coming to them. Usually such a requirement is presented to the card with your signature. Again, customer-oriented banks will certify this card at the time of signing the documents and you will not need to go to the notary, which is much more convenient. Sometimes for the certification of the card charge an additional fee, sometimes do not take anything.

In any case, it is better to call the selected bank.or find a list of documents for opening an account on their website. The last time I opened an account with Modbank, I only brought the OGRNP, ​​TIN and passport, and did not pay a single ruble. They said the declaration would then be requested from me through the Internet bank, but they did not request it.

Where to open a checking account IP

It's hard to give advice, because everything dependsfrom your region and your needs. The list of all banks, rating and reviews about them are on the site banki.ru. In Moscow, the choice of banks is quite extensive and not everyone has representative offices in other cities. So go to the websites of banks in your city, look for Settlement and Cash Services (CSC) in the section for legal entities or individual entrepreneurs, and see the rates. As I wrote above, you can lay somewhere 500-1000 rubles monthly expenses.

From those banks in Moscow, whose rates I watched and among which I chose:

  • Tinkoff
  • Point
  • Alfa Bank
  • Sberbank
  • Modbank

In Tinkoff, Modulbank and Point there are tariffs with free monthly service.

In fact, it all depends on how much you are prepared.to pay, I do not have so many operations, not very large turnovers, in order to choose large banks with a large number of services and corresponding tariffs. Therefore, based on personal experience, I can safely recommend Tinkoff. Module and Point are also good.

Comparison of bank rates for business>

In case you plan to use the services of online accounting (why do you need it), it makes sense to choose only among those banks with which there will be integration. This means that all payments will automatically be uploaded to the service, simplifying the management of KUDIR.

Yes, you can download the statement from the Internet bank.and download it into the service yourself, but I am not a supporter of unnecessary and unnecessary actions, because when you have a business already in operation, then it becomes too much to do, you even begin to think about the payroll accountant.

From myself I can recommend My Case to which II have been using for several years. The list of banks with which they have integration is quite extensive and is presented in the screenshot below. As an option - Elba, someone she likes. But in my experience they have a very inhibited tech support and a very confusing interface.

Pricing My Business>

Opening a current account for individual entrepreneurs

Opening a current account for individual entrepreneurs

You decide where it is more profitable, are you readypay a commission and which one. Since the economic situation is unstable in the country, then, of course, there is a risk that non-TOP banks may collapse. However, you still will not lose anything, because there is DIA and all the money within 1.4 million will be returned to you (you should not just keep more in the account).

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