Rating of the best banks for individual entrepreneurs for 2024

In order to start your own business, you need to go through a lot of formalities. Among them are not only registration of a legal entity, registration with the tax office, but also the opening of an account in a bank branch for settlement and cash services (CSC). The latter must be done so that a legal entity can receive and send money, store proceeds on it.

Many businessmen do not think about how to choose a bank for service. It is easy to get confused about what they are and which tariff plan is better to buy. In order not to make mistakes when choosing and not overpay too much, you need to know what to look for.

In the article, we will compare the best offers of banks, understand the criteria for choosing banking services, find out what is needed to open a current account (PC), and also select the best rates with discounts and partner bonuses.

How to choose a bank for your business

When choosing the best banking organization for small business, the following factors need to be considered:

1. Geography. This parameter is important, first of all, for a small business that works with retail and is forced to hand over the proceeds daily, to withdraw and withdraw cash. In some banking organizations, for this, it is necessary to visit exactly the branch where the account is opened. Those businessmen who make payments by bank transfer are not required to be linked to the RCC, they can visit it only a few times a year, solving most of the issues that arise by phone.
2. Payments. The first step is to find out how much the monthly maintenance costs, as well as services for money transfer and revenue crediting. At the same time, the client needs to understand what is more important in a particular case - to be served with favorable conditions, or to benefit from long-term cooperation. In the first case, you need to compare the rates and choose the best one. Some customers think that if they found a package with inexpensive prices, they saved a lot. However, in most cases this does not correspond to reality, since such financial organizations lay down an increased interest on additional services, which in other banks may be cheaper in price, or even provided without payment. In the case when long-term benefit is important for entrepreneurs, it is worth paying attention to companies that are licensed to operate the business they serve. So, if a company makes the majority of payments on the Internet, it will need additional services that can only be connected by specialized banking organizations.
3. How much does this or that service cost? It is not uncommon that no fees are charged for opening an account. We talked about the prices for monthly maintenance in the previous paragraph. You need to pay attention to what exactly is included in the package of services, and for which of them you will have to pay extra separately. The cost of issuing a business card can be both paid and free.The commission for transferring funds to a card is usually much lower than for withdrawing cash from it. It is recommended to get a card of the banking institution where the current account is opened. For LLCs that credit the proceeds to the account, the amount of commission for one operation matters. According to the recommendations of financiers, working with acquiring reduces it. In this case, the terminal must be installed.
4. The reputation of the institution. Due to the high competition, most banks seek to offer their clients some kind of favorable conditions in certain areas. Some of them are attracted by their budget price, others - by flexibility in decisions made and quick response to requests, and others by reliability and stability. An important selection criterion is the number of years during which the institution has been operating on the market, as well as the quality of customer reviews. The most unpleasant thing that can happen to a bank is the revocation of the license to operate. Recently, in Russia, such cases are occurring more and more often. Many small business owners believe that sole proprietorships are of no interest to large institutions because they do not generate much income. It is most correct to contact not the head offices, but the small branches of large banks, in which each client is worth its weight in gold, and the attitude towards him is appropriate.
5. Privilege. One way or another, every serious banking organization is trying to somehow interest and retain a client. There can be many variations: closed cultural events organized for esteemed clients, discounts and a bonus program from partners, courses and trainings aimed at developing the business of firms accepted at the cash settlement, which contributes to mutually beneficial cooperation. Some institutions for important clients remove time limits for operations, thus allowing settlements around the clock, others connect SMS notifications without charging a fee. Despite the fact that earlier financial organizations did not pay much attention to supporting small businesses and individual entrepreneurs, recently there has been a tendency to support them as much as possible, since for the most part they bring a significant part of the profit.

The procedure for choosing a bank to open a current account:

1. Compare the offered terms and choose the best financial institution.
2. Contact the call center and find out the list of documents that need to be prepared for the application.
3. Personal meeting with the manager, where you need to ask all the necessary questions, draw up documents.
4. Wait for a specialist who will set up the client-bank, install a special program and issue an access code. Instead, you can use the Internet bank, which can be launched on any computer via the Internet, but it has limited functionality and a small list of available operations.
5. Get a personalized business card. From that moment on, you can use the client bank and carry out all the necessary operations.

Rating of the best banks for legal entities for 2024

Point

You can open an account here on the day you apply. This can be done not only in the office, but also in any convenient place through the online registration service. To do this, it is enough to upload the required minimum of documents to the site and fill out an application. The managers themselves will draw up an application and send it to the tax office, independently select the appropriate OKVED codes, and open the RS. The entrepreneur will only have to pay the cost of registration with the tax office and sign an agreement.

After you leave a request on the site, the operator will contact you within 24 hours, tell you in detail how to leave a request, as well as the services and tariffs provided. The PC number is issued during the first conversation with the manager. To do this, you only need to name the passport data and the individual taxpayer number (TIN).

After that, you can immediately start working.By downloading and installing the branded application, or by logging into banking through the site, you can get details that can immediately be entered into contracts and sent to partners and counterparties. In the application, you can monitor the status of the application until the meeting with the manager. In Tochka, it is not at all necessary to visit a bank branch; in order to conclude an agreement, an employee will come to a place convenient for you, bringing with him all the necessary documents. If necessary, he will help you set up your Internet bank and show you how to use it.

Opening a PC, Internet banking applications, tax payments and settlements with the budget are carried out without commission. Depending on the needs, three tariff plans are offered for individual entrepreneurs: "Required minimum", "Golden mean", "All the best at once".

The first one can be connected only on one PC, it includes the most favorable conditions for novice businessmen or small private companies. Payments, transfers to individuals, cash withdrawals are made without payment. Cash deposits and credits to the account are paid, the rate, depending on the amount, ranges from 1% to 8%. No commission is charged on the proceeds from merchant acquiring. The merchant acquiring rate is 2.3% and is fixed. All certificates, letters and other documents are issued in electronic form without charging a fee, on paper - with delivery within Russia - 1,000 rubles, with worldwide delivery - 5,000 rubles. The tariff does not require payment.

The second tariff costs 500 rubles per month or 5 400 rubles per year. Includes 10 free payments, each subsequent one - 60 rubles. The cost of transfers to individuals by details depends on their number and is 60 rubles or more. Incoming payments and transfers are carried out at 0% payment, while replenishment of an account from an ATM or a card of an individual is made with a payment of the cost from 0.2% to 0.4% of the total cost, but not less than 100 rubles. The merchant acquiring rate is 2.3% and is fixed.

The third tariff plan will cost 500 rubles. in the first three months, and then 2,500 rubles each, or 24,000 rubles a year. Starting from the second year, the savings will be up to RUB 6,000. The first 100 payments are made without commission, for each subsequent one - 15 rubles. Cost of translations nat. persons for each will be 15 rubles within the amount of 300,000 rubles, with an amount exceeding the indicated one - from 3% to 8% + 15 rubles. Cash withdrawal up to RUB 100,000. carried out without payment, over - from 3% to 6% of the amount. Incoming payments and transfers are made at 0% payment, replenishment through the cashier, ATM, from an individual's card up to 1,000,000 rubles - without payment, over - at 0.4%, but not less than 100 rubles. The merchant acquiring rate is 1.3% for the first 200,000 rubles, over 1.8%. Documents in electronic form are provided without charging a commission, on paper the first two deliveries within Russia are carried out without payment, the next - for 1,000 rubles, around the world - 5,000 rubles.

The company operates in all major cities of Russia, and in almost all regions. If there have been no account movements for a month, the subscription fee is not charged. In the initial capital of the bank, up to 99% are shares of the Central Bank, which guarantees a high level of reliability and security. Accounting, tax calculation for individual entrepreneurs working under a simplified taxation system is 6% of the cost. If there is a need to apply for a salary card, it is opened and serviced at RocketBank, MTB and HomeCreditBank banks without charging a commission, in others at 0.55%.

An additional opportunity to receive free service for several months is offered to all Point's customers until July 31st. To do this, you need to invite one or more partners to open a bank account. For each bill - minus 1 month of free service. After 3 months, the countdown starts over (from one). The partner will also receive a free month of service.

• manager's visit to the house;
• opening an account without payment;
• it is possible to open the PC online without visiting a bank branch;
• high reliability of the institution;
• acceptable rates, according to clients;
• there are service points in almost all regions.

• not detected.

Tinkoff

Many of those who choose a bank in which the services of firms are better than others end up with this institution. PC opening is carried out without payment. The institution has been operating for a long time and has proven itself well among clients. In almost every more or less large city, Tinkoff opened a branch that provides all types of services (deposits, loans, lending), including cash settlement services for businessmen. As with the previous organization, the client does not need to come to the bank branch to open a current account. It is enough to prepare all the necessary documents and call the manager (departure is free of charge).

The registration of all the necessary documents usually takes no more than a day, and on the day the application is submitted, the details are sent to all the required counterparties via SMS or e-mail at the expense of the bank.

Payments are accepted around the clock, funds are transferred to other organizations from 01:00 to 21:00. If PC has any funds at the end of the reporting period, they are charged up to 6% per annum. Each client is assigned a personal manager who helps to resolve all emerging issues.

Tinkoff offers RS with an overdraft function, which is convenient for entrepreneurs working with recurring short-term debts. This type of loan makes it possible to settle accounts with counterparties within the required time frame, without incurring losses in reputation.

Settlement and cash services are carried out without payment for the first two months, and in the case of a contract for a year or more - another two months as a gift. In case the client came on the recommendation of a friend or from a bank that has lost a license to carry out activities, the free settlement period is 3 months. After that, you must pay a monthly fee. There are three different tariff plans to choose from - simple, advanced, professional, differing from each other in a different set of characteristics and options.

The “Simple” tariff plan is suitable for novice businessmen and includes 3 free payments to counterparties, each subsequent one will cost 49 rubles. Transfer of funds to the card of an individual - 1.5% of the amount plus 99 rubles. The balance of funds is charged up to 2% per annum. If the business owner has a Tinkoff card, the withdrawal of funds to it is carried out without a commission (within 400,000 rubles).

For those who have already got used to it a little and need to carry out operations with large amounts, the "Advanced" tariff plan is suitable. It will cost 1,990 rubles / month, while allowing payments to counterparties with a commission of 29 rubles, transfers to cards to individuals at 1% of the amount + 79 rubles. The balance of money on PC is charged at 4% per annum. As in the previous plan, there is also a free withdrawal of funds to your own card.

The "professional" tariff is suitable for large entrepreneurs, it will cost 4,990 rubles per month. The cost of payment to counterparties is 19 rubles. for one operation, transfer to an individual - 1% of the amount + 59 ₽, top-up in branded ATMs - 0.1%. The balance on the account will generate an income of 6% per annum. Withdrawing funds to your card is free.

According to the advice of customers, it is more convenient to use the Tinkoff mobile application, which is practically not inferior in functionality to Internet banking. To manage a PC, you do not need to visit a bank branch; all necessary operations can be carried out via a computer or smartphone. Payments are signed by SMS, so users do not need to bother carrying a key on a flash drive or a scratch card.

Tinkoff clients can use a large number of partner offers, among which are: advertising on Yandex in the amount of up to 10,000 rubles, on Vkontakte - up to 5,000 rubles, posting a vacancy on HeadHunter for up to 30 days without payment.

• convenient application;
• the first few months, the service is free of charge;
• a large number of partner bonuses;
• withdrawal of funds to your card without charging a commission.

• not all small towns have Tinkoff branches and ATMs;
• on all tariff plans, transfer of funds to counterparties and individuals. persons carried out with a commission.

Sberbank

The well-known Sberbank continues to review the best banks for individual entrepreneurs. The institution offers good starting conditions - opening an account, Internet banking, electronic document management is free of charge, regardless of the selected tariff plan.

The organization's website has a convenient online calculator that, based on the entered data (type and scope of business, its duration, the amount of monthly revenue), will select the optimal rate. Descriptions of the most popular of them are also posted here.

In order to open a PC, you need to leave a request on the website, or contact the operator and reserve a number with him. After the number and details are received, it remains to sign the documents, and you can make calculations. You can call a manager who will draw up and bring all the papers with him directly to the office of the company. Setting up the software won't take more than an hour.

Among the advantages of all tariff plans are:

1. Maintaining 1 Accounting without commission - execution of electronic documents, primary documentation, calculation of vacations and sick leaves.
2. Free Internet banking that works on any device (including smartphones and smart watches), 24/7 technical support.
3. Long working hours. Payments are sent instantly after the payment has been made. On the PC of Sberbank clients, payments are credited from 01:00 to 24:00, to the cards of clients of other institutions - from 01:00 to 19:30 Moscow time.
4. Electronic document flow with counterparties and a banking institution is carried out without payment, documents are signed by means of an electronic digital signature.

A variety of partner bonuses are offered to new customers, the most interesting of which are:

• The program for managing small businesses 1C: BusinessStart is provided free of charge for 1 year.
• For the first advertising campaign on Vkontakte, an amount of 10,000 rubles is allocated.
• When ordering an advertising company simultaneously in Vkontakte, Odnoklassniki and Mail.ru projects for up to 75,000 rubles, the myTarget community doubles this amount.
• When ordering priority placement on Yandex Maps, the first 6 months are provided as a gift.

To support its clients, Sberbank offers many services for business development (the total number exceeds 20 titles), among them a salary project, the appointment of an individual lawyer in charge of entrepreneurial activities, loans for business development and for any other purposes, a website builder, trade acquiring, etc. dr.

To open a PC, an individual entrepreneur needs only to have a passport of a citizen of the Russian Federation. Additional documents may be required if the individual entrepreneur is not a resident of Russia, he works with a government order, it is planned to use electronic document management or the 1C: accounting service, the company is engaged in activities subject to mandatory licensing, and state secrets are involved in their work.

• PC opening on the day of application with a minimum of documents;
• there is no limit on the number of opened accounts (except for the "Easy Start" tariff);
• a large number of partner bonuses;
• on many tariff plans, the subscription fee is not charged if there is no activity for a month;
• a large number of branches throughout the country;
• a wide range of tariff plans customized for any needs;
• big trading day;
• the largest, stable and reliable bank;
• 1C: Accounting is provided free of charge for a period of 1 year;
• electronic document management.

• not detected.

Alfa Bank

The largest private bank in Russia. Opening an account in full is done online. To register it, you need to go to the organization's website, create an application, indicating the phone number to which an SMS with a code will come. All registration takes no more than 5 minutes, after which you can proceed to making payments.

Free internet and mobile banking is provided for clients. You can control the PC from any device that supports Internet access. Many individual entrepreneurs will be interested in the opportunity to receive free accounting services, which include calculating taxes and contributions to the budget, creating a separate tax account, on the balance of funds on which up to 3% per annum will be charged.

The institution offers acquiring with free connection and rental of terminals, which are credited the next day.

For a new and small business, the "Just 1" tariff plan is best suited. It charges a commission of 1% of incoming receipts to the PC, all other operations are carried out free of charge (Internet banking, payments and transfers to accounts of counterparties and individuals, cash withdrawals using a corporate card).

Another good tariff plan is "Best Start", it is also aimed primarily at novice businessmen. The cost of service is 490 rubles / month, in the case of an annual contract, no payment is made for the first two months. All payments and transfers are free of charge. Cash withdrawal from a card - 1.5% of the amount, while the minimum payment is 129 ₽.

Entrepreneurs working with large sums of money will benefit from the "Successful Choice" tariff. The monthly service price is 1,490 rubles / month, in the case of an annual contract, no payment is made for the first two months. All payments and transfers are free of charge. Cash withdrawal from a card - 1% of the amount, while the minimum payment is 159 rubles.

Until March 10, 2024, there is a promotion, according to which, with monthly payments of at least 30,000 rubles, a cashback of up to 5% is credited to the card.

There are many affiliate programs, including:

• 9,000 rubles for an advertising campaign in Yandex Direct and free corporate settings;
• accounting Fingu.Ru - includes a mobile application, a chat with an accountant and a business assistant, a personal account with access to the electronic document management system and verification of counterparties;
• Megafon Target - targeted SMS advertising, makes it possible to send news to the base of customers and subscribers of Megafon, the package includes 1,000 free messages;
• website creation from Megagroup.ru - includes 2 options to choose from - creation of a website itself or an online store based on an industry solution without payment + 1 year of hosting and CRM (in this case, you need to buy a domain name from the company for 590 ₽, and also connect its for 150 ₽);
• premium rate for publishing vacancies for employees on hh.ru (7 days of placement in the Premium block, and 23 days in the standard one);
• Alfa-Leasing (among the advantages is the ability to save turnover, saving money by refunding VAT at a rate of 20%, reducing income tax, the ability to establish a seasonal payment schedule).

• the largest and one of the most reliable private banks in Russia;
• online PC opening;
• there is a tariff at which only a percentage of incoming payments is charged, all other operations are carried out free of charge;
• free internet and mobile banking;
• a large number of offers from partners;
• long banking day;
• installation of a terminal and equipment rental without payment;
• free accounting.

• not detected.

Conclusion

Choosing a servicing bank branch is an important part of the process of starting your own business.A properly selected institution will not only save money and spend it wisely, but also avoid problems in the future, since changing details is a costly process, especially for a successfully functioning business.

Each of the organizations considered in this article has its own special "chips" that are not available in another, so before making a final decision, you need to decide which of them are right for your business.

Despite the fact that almost all the institutions under consideration offer registration through an online application, we recommend that you personally visit the offices of banks and talk with the managers of each of them, and then impartially compare the information received. We hope that our review will slightly simplify the difficulties of choosing for you and will allow you to choose a service organization with optimal conditions.