Open a current account for an individual entrepreneur in a bank. In which bank to open an IP current account?
Private entrepreneurs can use a current account, but this is not required. It may be required for business purposes. It will be necessary to open a current account for an individual entrepreneur in a bank if there is a large turnover of non-cash funds in the work. In which bank it is preferable to issue it, it will be described in the article.
Why is it needed?
Opening a current account for an individual entrepreneur in a bank is necessary for business development. This is especially important if it is planned to sell or purchase goods. By law, an entrepreneur is prohibited from paying or receiving more than 100 thousand rubles for goods under 1 contract.
Large businessmen also need non-cash payments. If you open a current account for an individual entrepreneur in a bank, this will allow you to work with large counterparties. Cash flow more than 100 thousand rubles must pass through the account. With it, settlement and cash procedures, remote maintenance, and currency control are carried out.
How to open?
A bank account after opening must be designated in the tax office and registered. If the organization is not notified in a timely manner, a fine may be imposed. It is necessary to transfer the documents received by the entrepreneur to the tax office. It can be closed if necessary. This procedure is also not difficult.
Documentation
To open a current account for an individual entrepreneur in a bank, the following documents are needed:
- passport;
- IP registration paper;
- an identification number;
- tax certificate;
- special license;
- statements.
This is a standard list of documents, but additional papers may be required. It all depends on the requirements of the institution. 
Where to apply?
In which bank to open a current account for IP? Several institutions now offer such services. Each bank has its own rates. The price can be in the range of 700-2500 rubles. The cost may be reduced for the implementation of promotional activities.
To choose a reliable institution, you need to read customer reviews. In which bank to open a current account for IP? It is important to take into account some criteria. The organization must be reliable, take small commissions and provide many additional services. 
Sberbank
You can contact Sberbank. Only for this, 3 conditions must be met: online registration, obtaining a number, as well as submitting documents. A month is provided for this. Before working with the organization, you should familiarize yourself with the specifics of services, find out reviews.
The service costs about 2 thousand rubles. Clients are offered a convenient Internet bank, a small commission for providing and receiving funds. There is a notification system, transfers are carried out 20/7. To open a bank account for an individual entrepreneur, the following documents are required:
- passport;
- certificate of IP;
- tax document;
- IP statement;
- samples of signatures of authorized persons and seals;
- licenses.
"Alfa Bank"
You can contact Alfa-Bank. It will take 10 minutes to open a current account for an individual entrepreneur. Rates vary, so choose the one that suits you best. The commission for receiving funds is different. The cost of maintenance is in the range of 1090-9900 rubles per month. There is a promotion for payment. With a one-time payment for 9 months, there will be a 25% discount. The remaining 3 months are free of charge.
Cash is withdrawn from all ATMs. Customers can appreciate excellent service and a low subscription fee. Promotions are held regularly. Clients are offered SMS notifications, a free plastic card. It is required to provide a standard list of documents. 
"Vanguard"
Similar services are also provided by Avangard Bank. Opening a current account for individual entrepreneurs will be possible on acceptable terms. It is important to familiarize yourself with the tariffs, which indicate that when opening online, the price of the service will be 1,000 rubles, and when offline - 3,000 rubles. Maintenance costs 900 rubles per month.
Avangard does not have package offers. For customers there is a single tariff. It involves the connection of Internet banking, a lot of intra-bank payments. The cost of external payments is 30 rubles per transaction. To use the account through an ATM, you need to connect CashCard. 
"Opening"
Entrepreneurs can contact Otkritie Bank. Opening a current account for an individual entrepreneur costs 1300 rubles, maintenance will cost 750 rubles if remote service is provided. If not, then the price increases to 1700 rubles.
The cost of one payment in online banking is 27-30 rubles. A cash card is issued for 200 rubles, and its maintenance costs 1,500 rubles per year. You can apply for an account on the website. When filling it out, you must check the box in the "Account Reservation" section. After sending, an account number will be sent to the e-mail, which should be indicated in the documentation. To complete cooperation, you need to contact the bank with the main documents. 
"Bank of Moscow"
One of the largest institutions is the Bank of Moscow. Opening a checking account for an individual entrepreneur in it is not difficult. All non-cash transactions will be carried out securely. The bank must provide a standard list of documents. From additional papers, a lease agreement for premises, the right to property, documentation of trusted people may be required.
Opening and closing an account is free of charge. There are no commissions for crediting money and issuing an extract. A certificate of balance costs 150 rubles. Other certificates - 25 rubles. Interest on the balance is not charged.
"Tinkoff"
Judging by the reviews, the advantages of cooperation with the bank are as follows:
- quick opening, online submission of documents;
- service price - from 490 rubles;
- assistance of a personal manager;
- SMS notifications;
- convenience of internet banking.
With the provision of basic documents, the service is issued quickly. It is convenient for customers to track account movements in the "Personal Account".
"VTB 24"
By contacting any branch of VTB 24, the entrepreneur will quickly issue an account for convenient transactions. The amount according to the tariff is 1,200-12,200 rubles per month. There is a large network of branches and ATMs in Russia.
The advantages of clients include the urgency of registration, convenient Internet banking, salary project. There is an SMS alert. Deposits are subject to compulsory insurance.
Advantages and disadvantages
Although the registration of an account is not mandatory, it has many advantages:
- settlements with other individual entrepreneurs for amounts from 100 thousand rubles;
- transparency of operations;
- safety of funds;
- you don't need to install a CCT.
Among the shortcomings, customers highlight the need to visit the bank and additional service costs. But still, citizens are provided with:
- settlement and cash procedures;
- services of foreign economic work;
- remote service;
- plastic card for replenishment and withdrawal of cash.
Notification of the Federal Tax Service
Not later than 5 working days, the entrepreneur must notify the Federal Tax Service of opening a current account. To do this, on the Internet, you should find and fill out form No. C-09-1 (2 copies). The document on 2 sheets contains information where the information of the IP and the open account is entered.
When the document is signed by the entrepreneur, you must put your own seal. Then it is transferred to the FTS. One copy is sent back marked "Accepted". It should not be thrown away. 
Pension Fund Notice
Within 7 days, you must notify the Pension Fund about the registration of a current account, since entrepreneurs pay insurance premiums. A sample message should be found and downloaded from the PF website. This document will convey important information.
It must be remembered that if the necessary data is not provided to the Pension Fund or the Federal Tax Service in a timely manner, then the entrepreneur will have to pay a fine in the amount of 5 thousand rubles. If you still have to hire employees, and the entrepreneur is registered with the Social Insurance Fund, then this body must be notified.
Closing an account
Often there are times when you need to close an account. To do this, you need to write an application and submit it to the bank. The account will be closed, and the remaining funds will be transferred to the details indicated in the application. It is not necessary to notify the FTS, PF and FSS.
Thus, a current account provides many advantages. If serious business activity is planned, then it must be opened. This will make the whole job easier as it is convenient for everyone.
