10 most profitable current accounts

Current account - a special account opened for a legal entity or entrepreneur. Money is stored on it and funds from non-cash payments of clients come there. This is a necessity for an LLC, but for individual entrepreneurs it is very convenient and allows you to conduct business with fewer restrictions. It is only important to choose the most favorable current account.

Today, banks offer dozens of options for different audiences: authors of startups, already ingrained businessmen and large organizations. Choose from what. In our rating we have collected ten of the most profitable current accounts based on the cost of opening and maintenance. They are more suitable for beginner businessmen, although serious companies will be able to find something useful. But remember: cheaper is not always better and better. Therefore, be sure to look at the list of services offered by the bank for your money.

TOP 10 most profitable current accounts

In this table, we have listed the main characteristics of each current account specified in the rating. You will be able to evaluate which of the options will be most profitable for you, and immediately read its detailed description.

Bank and account	Commission for replenishment	Cash withdrawal fee	Commission for transfers to individuals	Acquiring	Payment
Point Bank, "Required minimum	is free	is free	is free	2,3%	is free
Alfa-Bank, “Just 1%”	1%	from 1 to 6%	from 1 to 10%	from 1.9 to 2.1%	is free
Loko-Bank, "Start"	0,3%	0,6%	from 2 to 15%	from 1.8%	59 rubles
ExpertBank, "Economical"	0,1%	from 1 to 15%	from 1 to 15%	under contract	50 rubles
Modbank, "Start"	0,5%	from 2.5 to 6%	from 0.75 to 5%	from 2.5%	90 rubles
Promsvyazbank, "Business start"	1%	from 3 to 12%	from 1 to 10%	from 1.59%	100 rubles
Sovcombank, "Start"	0,1%	from 2.5% to 15%	from 1 to 15%	from 1.8%	50 rubles
Sberbank, Easy Start	from 0.15 to 1%	from 3 to 8%	from 0.5 to 6%	from 0.5 to 2.2%	100 rubles
Tinkoff Bank, “Simple”	0,3%	from 1.5 to 15%	1,5%	2.69% or 1990 rubles for every 100 thousand	49 rubles
FC Opening, "Fast Growth"	0,16%	from 0.99% to 10%	from 1%	under contract	50 rubles

If you are attracted by several options of a current account, we suggest that you read the text below. This will help determine the best product you like.

10 FC Opening, "Fast Growth"

FC Otkritie refers to the list of the most reliable banks, it stands firmly on its feet and offers businesses five different tariffs at once. We chose for review not the free “First Step” tariff, but the paid “Fast Growth” simply because it turns out to be more profitable. For withdrawals will have to pay from 0.99%. Payments are relatively cheap - 50 rubles per unit, while the first seven will be free. The commission for depositing money is 0.3%. You can transfer money to individuals for free, but up to 150 thousand rubles per month. Then the commission will be at least 1%.

It is good that Discovery FC shares with customers bonuses from partners: amounts for advertising campaigns at various Runet sites and other important things for business. You can also issue a business card, but it is free for the first six months, and then it turns out to be quite expensive - 149 rubles a month.With this business card, you can quickly withdraw cash at ATMs for a minimum commission of 0.99%. So you can get only 100 thousand per month.

9 Tinkoff Bank, “Simple”

Tinkoff positions itself as a bank for successful entrepreneurs. Therefore, it offers three options for a current account. The “Simple” tariff can be called the most profitable for start-up entrepreneurs and small businesses. Bank service costs money: you have to pay for acquiring up to 2.69%, for receiving money (0.3%) and their withdrawal: 1.5% will have to be paid for amounts up to 400 thousand rubles, for withdrawal from 400 thousand to 1 , 5 million - 5%, and for all that is more - 15%. One payment will cost 49 rubles, but the first three pieces per month you get for free. The nice thing is: you will receive interest every month on the balance of the current account. Total Tinkoff can offer up to 6% return.

The bill will cost 490 rubles per month. But service can be free. To do this, you must buy using cards in the amount of 50 thousand rubles per month. The bank also gives two months to everyone who starts an account. And just registered IP get half a year free maintenance of the current account. Interestingly, the bank also offers online accounting, reporting and free transfers up to 1 million rubles to a personal card in the appendix to the IP account. Also, bank customers will receive several gifts from partners: advertising money on Yandex, VKontakte and other sites, or access to job placement on Head Hunter. According to reviews, Tinkoff is the best bank in the country for servicing.

8 Sberbank, Easy Start

Sberbank is considered the largest and most convenient bank in the country. Today it offers up to five different packages of services, including seasonal ones. The main bank of Russia, especially for business start-ups, has created a rather short but attractive tariff with the “Easy Start” free service. One payment will cost 100 rubles. But the first three are free. Like any payments in favor of Sberbank customers. That is, in favor of very many people, which is beneficial. Commission for money transfer to individuals starts at 1% and can reach 6%. For amounts up to 150 thousand there are no charges at all. But receiving payments is unlimited and free.

All the disadvantages of Sberbank level reliability. If you put money into the account of this titan of the Russian banking sector, then nothing will definitely happen to them. That is why it serves more than a million different entrepreneurs. It is possible that you will cooperate with such a businessman, and you do not have to pay a payment. The institution also allows you to get a business card for a year for free. Reviews of Sberbank are diverse, but the positive prevails over the negative.

7 Sovcombank, "Start"

In Sovcombank, five different tariffs operate at once for processing a current account. The cheapest and relatively profitable for a young entrepreneur is the Start package. Each payment will cost 50 rubles, if the recipient is not served in Sovcombank. Crediting money to the client’s account is free. It is possible to withdraw to the accounts of individuals with costs ranging from 1 to 15%, with 15% already withdrawn from more than 20 thousand, which is very unprofitable. Send employees a salary by bank transfer will cost 1-15% of the amount. But if you pay Sovkombank for an individual’s account for your credit, there will be no commission at all.

Individual entrepreneurs receive a personal card on which they can write off up to 50 thousand rubles without commission. Then you have to give 2% for the transfer. It is also easy to issue corporate cards: getting five cards will cost 500 rubles. You can withdraw money at the box office, but it will cost a commission of 2.5 to 15%. But you can replenish the account without a fee using a corporate card.Acquiring will cost 2.6% both on the Internet and in reality. Separately have to pay for the installation of the terminal - 2990 rubles for each. Sovcombank is distinguished by mixed reviews - products are often criticized, but service and reliability are simply overwhelmed with thanks.

6 Promsvyazbank, Business Start

Reliable bank, ready to offer profitable packages of services for both small IP and large LLCs. Junior rate in the line, designed for beginner businessmen or small businesses. Allows you to get the most necessary for the minimum money. It is possible to deposit money in the cash office for free - no commission is charged for this. But you need to withdraw money for salary with a payment of 0.5% of the amount. You can transfer money to individuals in unlimited amounts. And up to 150 thousand rubles a month it will be free. Then the commission will grow and will be from 1.5 to 10%.

Not happy expensive bills. The first three banks give for free, but then you will have to pay 100 rubles for each. You will also have to pay extra 15% of the amount of the transfer, if the turnover on the account is more than 3 million rubles per month. And if the turnover exceeds 300 thousand rubles, then a 3% commission will be charged for replenishing the account. The bonus of the Business Start package is covered in free internet banking. Other rates Promsvyazbank require 99 rubles per month. You can also issue a business card and use the year for free.

5 Modbank, "Start"

Modbank is a small business bank. He knows the needs of the target audience and releases the appropriate packages of services. The "Start" tariff implies free service and imputed prices for services. Each transfer for a legal entity or individual entrepreneur will cost 90 rubles. Modbank Bank clients can send money for free. Commission for transfer to individuals will be at least 0.75%, maximum 3% for individual entrepreneurs and 5% for legal entities. The current account can be replenished from a personal card (commission 0.5%) or another person's card (2.7%), as well as in cash (0.5%). You can withdraw cash from the current account, but it will cost at least 2.5% of the amount. The maximum will have to pay 6%. The rate of acquiring - 2.5%, it will not work to reduce it.

In general, Modbank is considered the most profitable and convenient bank for small businesses. He won first place in terms of service costs in the rating of the Marksweb Agency. You can get a business card and use the year for free. Then the cost of maintenance will be 300 rubles per year. Unfortunately, the package of services does not allow to transfer salaries to employees at a special rate. Also, “Starting” does not allow to receive interest on the balance of funds in the account. Modbank collects a large number of positive reviews from satisfied customers, which pleases.

4 ExpertBank, "Economical"

ExpertBank specializes in the development of small and medium-sized businesses. Therefore, he tries to offer packages of services that are profitable and convenient for entrepreneurs. The most profitable will be almost completely free tariff "Economy". He does not require money for maintenance and opening an account. One payment will cost 85 rubles. For salary cash withdrawals, you will have to pay 1.1% of the amount if you plan to withdraw more than 20 thousand rubles. Otherwise, the commission will be 200 rubles. For cash withdrawals from the IP, you will need to pay from 1 to 15%. The rate of acquiring is determined individually for each client.

You will receive a remuneration of 1.5% of the amount per year for keeping funds on the IP account. For new customers, ExpertBank is happy to give presents. You can choose from either an audit of financial statements for the last two years, or a month of bookkeeping (if there are tariffs “Individual entrepreneurs without employees” and “Complex service”, or 45 days of free online accounting). The bank also offers money for advertising, subscriber numbers, call center and other important and useful things.

3 Loko-Bank, "Start"

Loko-Bank is a reliable business partner for any entrepreneur. The institution offers several tariffs for opening a current account. The service package "Start" is suitable for start-up entrepreneurs and small businesses. In it - only necessary at low prices and with small commissions. You can send up to 250 thousand rubles to your accounts without commission. A business card will allow you to withdraw money from ATMs directly from the account, but it will cost from 1 to 10% of the amount. For cash withdrawal for salary payments, you will have to pay 0.6% of the amount, but a salary project in Loko-Bank will solve the problem. Total transfers to individuals for a month are subject to a commission: 2% for an amount less than 500 thousand rubles, 5% - up to 1 million rubles, 15% - anything more.

Loko-Bank pleases customers with a high return for keeping funds in the account. The institution promises up to 7.8% per annum. Also, the owner of the company receives a business card as a gift to the account for free. There is a drawback - the relatively high cost of payment (for one order you will have to pay 59 rubles) and the restriction on outgoing operations. You can also send commercial payments in the amount of not more than 1 million rubles.

2 Alfa-Bank, “Just 1%”

One of the main strategic banks on the Russian market tried to please businessmen and made some interesting and cheap tariffs. The “Just 1%” service package turned out to be the simplest, but at the same time profitable. The tariff speaks for itself: you get a free checking account with a service that does not cost a penny. You can do anything - transfer money, order piles of payments, and so on. You can even withdraw money up to 2 million per month and transfer to individuals up to 6 million per month. If you do not exceed the amount - all for free! Otherwise, the commission may reach 10% or more. The only thing you need to bank: 1% of the replenishment and 1% of the cash deposited in the bank account.

All certificates, statements, and even bills are free. It's funny that the bank also returns 1% of the account balance if the amount does not exceed 25 million rubles. In fact, you will be in approximately equal positions with Alfa-Bank. The bank allows you to get a special card for depositing or withdrawing cash, which is very convenient. The main advantage of the institution is the 24-hour payment day, so all payments will be made on time and without delay. Reviews of the bank can please: the bank is considered one of the most convenient.

1 Point Bank, "Required minimum"

Point is a bank created by Otkritie FC and Kiwi Bank specifically for entrepreneurs. In fact, this is the best option for people who are just planning to start a business. This institution offers the “Minimum Required” tariff. Current account allows you to get almost completely free service. The bank will take money only for the receipt of funds on the account: 1% for 300 thousand rubles and less, 5% for receipts from 300 to 800 thousand, 8% for everything that is greater than these amounts. There will also be a fee for acquiring - 2.3% of the amount. Even the support of acquiring is free - you just need to pay for the terminal itself.

It is possible to connect the salary project to the same account. The bank cooperates with Home Credit and Rocketbank, and the commission fee is 0%. Cards of other banks can also be connected, but it will cost 0.55% of the amount. The bank also offers additional services to the account at reasonable prices: checking and sending accounting reports will cost 2500 per year, full accounting for individual entrepreneurs at the simplified tax system 6%, UTII and patent - 3500 per year (but only if there are no employees and acquiring).

Popular vote - which bank account is the most profitable
We vote!

Point Bank, "Required minimum"

Alfa-Bank, “Just 1%”

Loko-Bank, "Start"

ExpertBank, "Economical"

Modbank, "Start"

Promsvyazbank, "Business start"

Sovcombank, "Start"

Sberbank, Easy Start

Tinkoff Bank, “Simple”

FC Opening, "Fast Growth"

Total votes: 0

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