Top 10 banks for individual entrepreneurs

A bank for an individual entrepreneur is a convenient tool that allows you to increase the comfort of doing business. Having an account in a large bank is convenient for both the individual entrepreneur and his clients. But any financial institution will not work. It is necessary that it be part of the deposit insurance system and have special rates for servicing the IP. It is also desirable that these tariffs be profitable - that is, they have a price that is not too high, imputed fees, and so on.

Now the banking market is literally overflowing with offers for entrepreneurs. But how to choose from this abundance the most profitable option? We have compiled a rating of the best banks for individual entrepreneurs with the most convenient and profitable rates for servicing current accounts. It includes only reliable and large banks that fall under the deposit insurance system. We compiled the material, based not only on the best tariffs and a set of services, but also from reviews of other individual entrepreneurs.

Top 10 best banks for individual entrepreneurs

We carried out in the form of a table the basic parameters that are desirable to look at when choosing a bank to open a current account and conduct business. Paying attention to them, you can find the most successful rate for your business.

Bank	Commission for replenishment	Acquiring fee	Service cost	Transfers to individuals	Billing price	Cash withdrawal fee
Point Bank, "Required minimum"	from 1 to 8%	2,8%	is free	is free	is free	is free
Tinkoff Bank "Advanced"	0,25%	2,29%	1990 rubles per month	from 1 to 15% + 79 rubles	29 rubles	from 1 to 15% + 79 rubles
Alfa-Bank, "1%"	1%	from 1.9 to 2.1%	is free	from 0 to 10%	is free	from 0 to 10%
Modbank, "Optimal"	from 0 to 2.7%	from 1.6 to 4%	490 rubles per month	until 3%	100 rubles	from 0 to 6%
Raiffeisenbank, Optimum	0,25%	1,99%	2990 rubles per month	25 rubles	25 rubles	from 1.6 to 10%
ExpertBank, Optimal Online	from 0.1%	under contract	790 rubles per month	from 18 to 100 rubles	from 18 to 100 rubles	from 0 to 15%
Sberbank, "Good season"	0,3%	from 0.5 to 2.2%	490 rubles per month	from 0.5 to 6%	49 rubles	from 4 to 8%
Bank Zenith, StartAp	is free	unknown	490 rubles per month	from 0 to 1%	90 rubles	not issued
FC Opening, "Fast Growth"	from 0.3%	under contract	490 rubles per month	from 0 to 10%	50 rubles	from 3% to 10%
Sovcombank, "Together"	0,09%	2.3% + 2880 rubles for connecting the terminal	is free	from 1.4 to 15%	50 rubles	from 2%

Naturally, it is inconvenient to navigate by bare numbers. Detailed analysis of each bank and tariff for maintaining a current account, we suggest you read below.

10 Sovcombank, "Together"

Sovcombank is a convenient bank for entrepreneurs. It has six tariffs of varying degrees of necessity. The “Together” tariff is ideal for individual entrepreneurs with a small turnover of funds. It is completely free and allows you to save on maintaining and maintaining a current account during the first time, while the business has not yet been unwound.

The tariff provides minimal “convenience” of the current account.Each transfer to the accounts of another IP or legal entity will cost 50 rubles (if the recipient is not a client of Sovcombank). Transfers to individuals are subject to a fee ranging from 1.4% (for payments up to 100 thousand per month) to 15% (if you send more than 1 million rubles). If you need to withdraw cash, you can withdraw only 50 thousand per month for free when connecting “Salary Halvah”. The rest is subject to a commission of at least 2%, depending on the amount and purpose of the issue. When replenishing will have to additionally pay 0.09%.

Not happy dear acquiring. Only for connecting one terminal will have to pay 2880 rubles. For the amounts received, you will have to pay 2.3%. But on the other hand, if the buyer pays with the “Halva” card, the commission drops to 1.8%. But the minimum contribution is 980 rubles per month. Interestingly, among the positive reviews there are comments about the incompetence of employees and trying to deceive the entrepreneur - for example, instead of the “Together” tariff, connect a more expensive package of services.

9 Bank Zenith, StartAp

A small but good bank with quality service and high reliability. Offers immediately six different tariffs. Of these, it is worth highlighting one for start-up and ambitious entrepreneurs - StartAp. It is not always convenient, because it has certain limitations. But it will find its audience. The fare will cost 490 rubles per month. For connection you will have to pay another 500 rubles.

You can transfer money from your account for free only 5 times a month. In this case, without a fee, you can transfer the amount only to 1 million per month. Up to 2 million 1% commission will be charged. Up to 3 million - 3%. And everything that is more, is subject to 5% commission. The bank accepts cash for replenishment in the amount of not more than 50 thousand rubles per month. There is no cash withdrawal from the current account at all, and it is worth remembering.

You can open corporate cards in three currencies - dollars, rubles or euros. Acquiring in the bank is. And there are quite cheap terminals and cash desks for sale costing from 14 thousand rubles. But the bank carefully conceals information about the commission - it only reports that it is minimal. The reviews are mostly positive - customers only complain about the lack of ATMs.

8 FC Opening, "Fast Growth"

Otkritie FC is one of the backbone banks and, accordingly, it is highly reliable. It offers several options for accounts for individual entrepreneurs. But the most profitable tariff is "Fast Growth", which is designed for an actively and rapidly growing business. It has less restrictions than the free “First Step”, and costs only 490 rubles a month. As a gift, a customer is issued a business card with free maintenance for half a year.

You can transfer money to legal entities seven times a month. Then you have to pay 50 rubles for the payment. Individuals can make free transfers for up to 150 thousand rubles per month. Then you have to pay a commission - up to 500 thousand at 1%, up to 2 million 1.5%, up to 5 million already 2%. Up to 7 million - 4%, and all that is more - 10%. In general, such fees can be called small - serious commissions begin only after 7 million rubles. Cash withdrawal will cost at least 3% of the amount if you withdraw less than 500 thousand per month. If more, then amounts up to 1 and up to 2 million are subject to a commission of 4 and 5%, respectively. A sum over - 10%.

Internet banking is completely free. The bank provides convenient acquiring for individual entrepreneurs. I am glad that when calculating the commission and cost of the service, all the parameters of the IP are taken into account - needs, opportunities, and so on. This allows you to assign a fair payment.

7 Modbank, "Optimal"

Modbank works exclusively with small business. He offers three tariffs - "Start", "Optimal" and "Unlimited".To conclude an agreement, it is enough to register on the site and arrange a meeting with the bank manager. Pleases technical support - she is always in touch, solves any questions quickly and politely.

Cost "Optimal" 490 rubles per month. By the way, the tariff can be bought once and for all for 9,900 rubles - it will pay off in 21 months of work. And “Optimal” will remain with him fixed until the tariff change or account closure. Replenishment of the current account at ATMs or from your own card for free. If you replenish from the card of another individual - you will have to pay 2.7% of the amount. The funds in the account have an interest charge at a 3% rate, provided that the average daily balance is at least 30 thousand rubles. Transfers to legal entities cost 19 rubles. And for individuals - 19 rubles, if the amount is less than 500 thousand rubles. If it does not reach a million - 1% of the amount. And if it exceeds - then 3%.

Interestingly, in your account there is a risk analyst and tips on how to reduce them. If you need acquiring, the bank sells terminals at prices ranging from 16 to 27 thousand rubles. It is only necessary to purchase and pay a commission, but there is no subscription fee. Individual entrepreneurs in their reviews actively praise the bank - they like the conditions and service.

6 Sberbank, "Good season"

The country's largest bank is the most reliable partner you can imagine. If you want stability - open a current account in it. Especially since Sberbank offers five tariffs. Cheap "Good season" can be a great solution for newly registered entrepreneurs. It will cost only 490 rubles per month. In addition, Sberbank gives money for business promotion - promises up to 100 thousand rubles.

According to the tariff, you can make 5 free payments to legal entities. After that, each will cost 49 rubles. Individuals can receive from an entrepreneur up to 150 thousand rubles a month. Amounts up to 300 thousand are subject to a 1% commission. The commission may increase up to 6% (for exceeding the 5 million bar). You can top up your account in cash for free up to 50 thousand per month. Then begins a commission of 0.3%. And on the issuance of cash there is a commission of 4 to 8%. Sberbank occupies almost half of the acquiring market in Russia, and its commission is highly dependent on the turnover of an individual entrepreneur. It can vary from 0.5 to 2.2%.

If you are not attracted to such a tariff, then now the largest bank in the country has a special offer for beginner businessmen. If the SP was registered no more than six months ago, then it can count on two months of free service at any rate, except for the “Great Opportunities” package.

5 ExpertBank, Optimal Online

Regional bank operating in many major cities. Including in Moscow and St. Petersburg. It offers three tariffs - “Economical”, “Optimal” and “All Inclusive”. The first free fare is beneficial for start-ups. And for a more serious business, we recommend "Optimal online." It will cost 790 rubles per month of service.

Cash can withdraw up to 100 thousand rubles a day for free. If you need more, then up to 700 thousand rubles will have to pay a commission of 1%, up to 1 million rubles - 5%. Anything more than a million is subject to a commission of 15%. Also, if you do not leave a preliminary request for money, you will need to pay 0.4% of the amount of the issue. The commission on payments in favor of legal entities and individuals varies greatly depending on the time of day and other parameters - from 18 to 100 rubles.

The first month of service at registration of the account - as a gift So you can try the tariff without spending. Also, “Expert Bank” issues a free corporate card and attaches an SMS design to it without a monthly fee. The remaining funds accrue 3% if in the calendar month there was at least one operation. For account replenishment in cash you will have to pay at least 0.1% of the amount.The bank provides acquiring services, but managers negotiate a specific rate directly with the client.

4 Raiffeisenbank, Optimum

Foreign Bank, considered one of the best in Russia. It has four convenient offers for individual entrepreneurs - “Start”, “Basic”, “Optimum” and “Maximum”. Servicing the most reliable bank in Europe costs money, but they quickly pay for themselves. “Optimum” is a tariff for those individual entrepreneurs who don’t feel sorry for putting out 2,900 rubles a month for quality service in one of the largest foreign banks in Russia.

The cost of the tariff "Optimum" already includes many services. In particular, you can use free internet banking, SMS alerts and the “Business 24/7 Optimum” card. Also, 60 money transfer operations to legal entities are already included in the price. Starting with 26 operations per month, the commission for each will be 25 rubles. For individuals, transfers from the current account are free within 500 thousand rubles per month. Further and up to 6 million rubles the commission will be 1%. For amounts over 6 million per month will have to pay 10%.

As a gift for an individual entrepreneur for half a year a “Golden” package of services for a card is given. It includes free travel insurance for a family, 5% cashback at gas stations and priority bank service. In the future, you will have to pay 3000 rubles. Trading acquiring will cost 1.99% commission on each transaction.

3 Alfa-Bank, "1%"

One of the backbone banks of Russia has at once five tariffs for individual entrepreneurs and small businesses. Everyone is “honed” for something different - for payments, replenishment, and so on. For individual entrepreneurs with small monthly turnover and work only with a ruble, the “1%” tariff is the most profitable. It allows you to use a current account free of charge, giving a commission only for replenishing your account in cash or cashless payments.

The tariff implies that at certain turns everything is free. But if the flow of money is greater, commissions appear. So, for exceeding the limit of payments to individuals' accounts at 6 million rubles per month, give 10%. The free limit on cash withdrawals at ATMs or cash desks is 1.5 million rubles a month. After reaching this amount and up to 2 million rubles for free, you can only withdraw at the cash desk, and at an ATM - with a commission of 10%. But everything that is more than 2 million will be subject to a commission of 11% on hand and 10% at an ATM.

Trade acquiring is made in the bank separately. It allows you to work at two rates - 2.1% if the average turnover per month for one terminal does not reach 500 thousand rubles, and 1.9% if the average turnover exceeds this amount. The terminals are provided free of charge, but if the turnover is less than 200 thousand in the first and less than 500 thousand rubles in the second case, you will have to pay a commission of 490 and 790 rubles, respectively.

2 Tinkoff Bank "Advanced"

Tinkoff Bank offers three tariffs for entrepreneurs: “Simple”, “Advanced” and “Professional”. The first six months, any tariff in the bank "Tinkoff" can be used for free. The most profitable in the presence of a stable IP with low turnover is “Advanced”. It allows you to get for 1990 rubles per month all the convenience of your own business account.

The tariff commissions are quite low - for the account replenishment you will have to pay 290 rubles, or 0.25% of the amount. If you need to transfer money to an individual or legal entity, it will cost 79 rubles and 1% of the amount up to 400 thousand rubles. If the amount rises to 2 million rubles, the commission instead of 1% will be 5%. And all over 2 million fee is subject to 15%. The same goes for cash withdrawals. In addition, the IP will be able to throw on the plastic "Tinkoff" up to 700 thousand rubles without any commission. A card can be issued for free on the day of opening an account, which is very convenient.

Very pleased with the opportunity to receive interest on the balance of money on the current account.According to the Advanced tariff, this is 6%, if there has been at least one operation in a month. Acquiring at a bank costs 2.29% when using trading terminals. Online acquiring does not have a subscription fee and will cost 2.49% of transaction amounts. The terminal is provided free of charge. “Tinkoff Bank” is deservedly considered the best for reviews of satisfied customers - the service here is at its best.

1 Point Bank, "Required minimum"

A bank that presents itself as the best for all kinds of small and medium-sized entrepreneurs and is a branch of two financial organizations at once - the systemically important Bank Otkritie and the national payment system Kiwi Bank. “Point” offers three tariffs for individual entrepreneurs at once, but the most profitable one is the almost completely free “Required minimum”.

The conditions are more than attractive for young and experienced individual entrepreneurs - there are no commissions for entering from acquiring, transfers to legal entities (LLC) and individuals, and processing payments. Even cash withdrawals are free. You do not have to pay for opening or maintaining an account. The only thing that is subject to a commission is replenishment through an ATM, cash desk or from the card of any individual. The commission has three gradations: up to 300 thousand rubles - 1%, up to 800 thousand - 5%, and everything above - 8% of the amount. The bank also provides acquiring with a commission of 2.8% for conducting operations and sells terminals at prices ranging from 12 to 20 thousand rubles.

Conveniently, “Point Bank” does not just open an account. It helps to register a novice individual entrepreneur in seven days and just 2000 rubles. Managers will prepare the necessary documents and monitor their reception. The company will also provide advice to the client on issues of interest to him. The main advantage is that you don’t need to go anywhere, all services are provided remotely via the Dots website.

Popular vote - which bank is the best for SP
We vote!

Point Bank

Tinkoff Bank

Alfa Bank

Raiffeisenbank

ExpertBank

Sberbank

Modbank

FC Opening

Bank Zenith

Sovcombank

Total votes: 5

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