10 best banks for current account

A current account is a necessity for opening an LLC, but it can also be beneficial and useful for individual entrepreneurs. Thanks to this account, an organization or an entrepreneur has the opportunity to conduct bank payments in a cashless form.

Naturally, for this important business it is necessary to choose a bank with the most convenient and favorable conditions. Someone will like cheap service, someone - additional tools for managing finances. Offers in the banking market a lot. How to choose the best?

We selected banks for opening settlement accounts based on the following criteria (in decreasing order):

1. The reliability of the bank and the minimum risk of license revocation. The lower the risks of closure - the lower the chance of losing money on deposits.
2. The bank must insure deposits. In this case, it will be possible to at least partially return the money if the institution nevertheless closes.
3. Variety of tariffs - so that any entrepreneur can choose the best option.
4. Access to the current account is possible through any device - this will allow you to work with money as convenient for the owner.
5. The presence of interest on the balance is a pleasant, but optional bonus, which helps to additionally earn extra money.
6. Additional features. This includes all the useful things - connecting online accounting, the availability of online banking, applications for smartphones, etc.

Of course, some users of current accounts may be guided by other criteria. We offer to get acquainted with our rating of the best banks for opening a current account. Almost everyone offers a wide range of tariffs for every taste and budget. Available - many additional options and nice bonuses. Choose from what.

Top 10 best banks for a current account for individual entrepreneurs and limited liability companies

10 Loko Bank

Not the most famous and reliable bank in the country with the participation of foreign capital. Enjoys low popularity, but is able to please the client. I am pleased with the creation of a checking account within literally several minutes (actually hours) spent by courier on delivery of documents. The bank has its own application, though not the best. But the quality pleases - it is convenient to use from any device.

Loko-Bank offers three tariffs for medium and small businesses. Large customers go separately. In the line of service packages there are relatively favorable conditions. But not the best. At the same time, the bank has large limits on outgoing payments - right up to infinity. Interestingly, there are short-term deposits at 7.65%. So you can even earn a little on the percentage. Some rates include SMS-informing, but not all.

9 Bank Avangard

The institution won the prize "The Best Corporate Bank of Russia" according to the British financial portal Global Banking & Finance Review, in combination - the largest. Differs in high reliability. Able to make payments around the clock, seven days a week. When creating a current account, it creates plastic cards for all employees if necessary.

The facility offers a fixed cost of maintenance. At the same time, this tariff does not differ by special benefits or super-conditions, although it can be flexibly configured. But this is offset by the professionalism of bank managers in organizing a current account. Avangard is best suited for big business, since the tariff is quite expensive and functional - such a set of tools is useless for a small enterprise. I am glad that the bank automatically checks counterparties - less risk of running into a scammer.

8 Bank opening

Not the most reliable among all banks, after reorganization he returned and is ready to continue working. Otkritie operates throughout the country and offers quite normal conditions for business. Good Internet banking, courier travel to any place for a contract and personal manager make the service comfortable. But not happy with the short payment day compared to other days - just until 8:00 pm.

"Discovery" offers three favorable tariffs. Up to 4 months of service with no monthly fee are offered as a gift; from the fifth month, payments will have to be paid independently. Tariffs are more suitable for already more or less matured companies. Will be ideal for small and medium businesses. You can reserve a current account in just three minutes. And it will be open within 4 hours from the moment of appeal - not so much.

7 SKB-Bank

SKB-Bank is a good and reliable bank, sharpened by the problems of entrepreneurs. Within the framework of interaction with business, the institution is engaged in the development of the “DeloBank” project - a separate online bank strictly for entrepreneurs, created for their convenience and ease of use. You can manage your accounts through smartphones, tablets and computers. Conveniently, SKB-Bank makes payments almost instantly.

When opening a current account, you can choose one of four tariffs with low commissions and convenient conditions. By default, they include free SMS notification of all operations and installation / maintenance of the 3S-bank remote service system. In addition to the current account, the institution offers a package of financial services - from checking the reliability of counterparties to analyst of income-expenditure. Conveniently, there are accounting and tax reports right on the site.

6 Alfa Bank

Another bank from the TOP best, able to provide good conditions for business. Serves domestic and round the clock from 05:00 to 23:50 - interbank payments. Online banking is available from any device - from PC to smartphone. And it is not necessary to come to the bank to open a checking account - everything can be done remotely or via couriers.

Alfa-Bank has the widest range of service packages for a current account. Each more expensive fare is not an addition to the cheaper one. These are completely different packages of services, sharpened for a specific goal - serving a small business, working with foreigners and so on. So you can choose something for yourself without any problems. I am glad that the bank temporarily freezes the service of the cheapest tariff, if the money has not been credited to the account, it will allow not to pay for a simple current account. Tax and budget payments are not subject to a commission, and Alpha will provide a plastic card to work with cash.

5 Expert Bank

Siberian Bank, which is interested in the development of small and medium businesses. It is not too big, but it is actively developing and operating throughout the country. It inspires some confidence, because things are going quite well. Technical support is highly professional, so that all problems will be solved in a short time.

The institution offers several packages of services under different conditions. There is a wonderful free interest rate for those who are just starting a business. Included a small commission on the interbank (0.3%).But, unfortunately, in the reviews, some customers indicate a long time to create a current account. In fact, a strong "middling" among banks rating for opening a current account.

4 Tinkoff

One of the most popular and reliable Russian banks. Tinkoff provides favorable conditions for any business. A personal manager is attached to each client to solve possible problems. And payments are made 20 hours a day. The bank is famous for its excellent mobile application with a wide range of services. Manage through it will be really convenient.

Current account can be serviced at three rates. Unfortunately, among the proposed packages of services there is no free. But it’s customary to pay for quality. New customers receive 2 months of free service of any tariff as a gift and a free issue of 1-10 corporate cards. I am glad that you can combine an account with accounting programs and online accounting, which will significantly facilitate reporting. Interestingly, even at the cheapest rate the bank is ready to charge 6% on the balance (on the other - 8%). In addition to standard tariffs, Tinkoff offers additional options for individual entrepreneurs and limited liability companies to make service as convenient as possible.

3 Sberbank

The most reliable bank in the country offers excellent conditions for potential customers. It works seven days a week for corporate clients, so it’s always possible to resolve any questions that may arise. Online banking and a mobile application are among the most convenient among the country's banks. It is considered almost the best bank for serious companies with high turnover. But also to beginners it is ready to offer favorable tariffs.

Sberbank provides five different service packages for opening a current account. I am glad that the “Easy Start” tariff is almost free. All internal payments and three external payments are already included in the bill, which is convenient for small companies. Commissions in the range of 1-1.5% for everything. You can replenish your account even through an ATM. When opening a checking account, Sberbank donates 100 thousand rubles to the company's online advertising through social and search networks.

2 Modbank

Corporate bank with high reliability. The institution offers the best conditions for account holders. A client can count on round-the-clock high-quality technical support and convenient online banking with an excellent smartphone app. The bank has a rather long interbank day - from 01:00 to 20:45. It is even proposed to deposit on the "savings" of the company at 7% per annum. Modbankbank cares about security - you can not worry about the funds, they are under reliable protection.

As part of opening a settlement account, Modbank offers three tariffs. Free does not differ benefits, but the other two look quite good. Please low commissions (and on some rates - and their complete absence) for transfers. An account can be refilled free of charge from your card and withdraw cash at ATMs (except for the Starter package). At paid rates there is even an interest charge on the balance - from 3 to 5%. Pleases the ease of opening an account for the PI - just provide a passport.

1 Bank Point

Very reliable corporate bank, focused on interaction with legal entities. Convenient, practical and accessible remotely. The main advantage is the round-the-clock work on intrabank transfers, so it’s not necessary to wait until the morning for money. And payments between banks take place 21 hours a day, starting at midnight. Very comfortably. Online banking is compatible with online accounting and is available from all devices. There is even a Facebook bot through which you can manage your account.

The bank provides three tariffs as a platform for opening a current account. Even for free you can get good opportunities - corporate cards, payments to the tax and budget, free connection to acquiring and much more.Details of the current account can be obtained instantly, and documents will bring courier that pleases. There is a 90-day service discount (80%) if you open a current account through the Point at KIWI Bank or Open. It is very good that there is an option “Freeze”: if there were no transactions on the account, monthly fee is not charged.

Popular vote - which bank is the best for a current account
We vote!

Bank Point

Modbank

Sberbank

Tinkoff

Expert Bank

Alfa Bank

SKB-Bank

Bank opening

Bank Avangard

Loko Bank

Other

Total votes: 10

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