How to open a current account - instructions for opening a current account for individual entrepreneurs and LLC + an overview of the TOP-8 banks, where it is profitable and quick to open a settlement account with organizations

Hello dear readers of the financial magazine Rich Pro! In this article we will tell you how and where it is more profitable to open a current account for an individual entrepreneur and LLC, what documents will be needed to open an account and which banks provide services for opening and maintaining current accounts for individual entrepreneurs and organizations.

From the article you will learn:

  • Why IP and LLC open a current account;
  • How quickly and where it is better to open a current account;
  • Advantages and features of the presence of r / s company.

All owners of large and small firms, individual entrepreneurs and heads of enterprises and organizations need to know about a checking account.

If you want to know how to open a current account quickly and profitably, then read our article below. So let's go!

About how to open a current account for an individual entrepreneur or LLC and what documents will be needed to open a current account in a bank - read this article

1. What is a checking account and why is it needed - definition + benefits p / s

According to the legislation of the Russian Federation, all legal entities can store their funds in a bank account.

Payment account - This is a bank account that has a unique number assigned to the client, for the purpose of identification, for cashless payments in the course of business, payment of taxes and other payments.

Accounts can be opened both for legal entities (IP, LLC, etc.), and for individuals. The main feature of the current account is that it is opened for the purpose of carrying out commercial (or other) activities.

Good to know: a current account is not opened for the accumulation of money, interest is not accrued on it (with rare exceptions). It is necessary for the current activities of the company.

Advantages (+) of a current account

An enterprise with a current account has the following advantages:

Advantage 1. Legal entity status

Having a bank account increases the status of the company, increases the trust of suppliers, proves that the company is reliable and stable.

Advantage 2. Security of storage of the company's own funds

Cashless payments are considered the most secure in comparison with cash payments. The possibility of obtaining false bills, theft, force majeure circumstances is excluded.

Advantage 3. Customer solvency

The presence of revolutions in the current account convinces the bank of the solvency of the client. When applying for a loan, he will be offered favorable individual conditions. In addition, there will be no need to provide evidence of profitability of the enterprise.

Advantage 4. Speed ​​and convenience of operations

Internet features allow you to make payments online, without mandatory visits to the bank. Payments are made on a day-to-day basis. Crediting funds is quick, in the system of one bank without commissions and additional payments.

Advantage 5. Mobile payments

You can make payments anywhere in the Internet.

Advantage 6. Cash flow control

Implementation of timely control over the receipt of funds from counterparties. In online mode, you can always check the receipts to the current account.


With the help of a current account, the company gets the opportunity to settle accounts with suppliers, receive money from buyers, pay taxes, withdraw cash under the report, to pay for labor, households. needs, travel and other expenses, receive and repay loans and so on.

What documents will be needed to open a bank account for an individual entrepreneur (IP) or a limited liability company (LLC) - you will learn further

2. Necessary documents for opening a current account for individual entrepreneurs and LLC

Banks have different requirements for opening accounts. Sometimes special events are held in credit organizations to attract customers, they imply the provision of a simplified package of documents.

Standard requirements of banks for documents when opening a current account:

  • Organization constituent documents: Charter, decision on the establishment of an enterprise (decision protocol, if there are several founders), memorandum of association.
  • Appointment Orders Director, chief accountant (if necessary).
  • Passports of personswho will have the right to first and second signatures in the bank.
  • Extract from the Unified State Register of Legal Entities or the USRIPmade for a period not exceeding 3 months.
  • Certificates of presence / absence of debt on taxes and fees.
  • When submitting documents by an authorized person, documents confirming his authority.
  • Print (in the presence of).

To save time, you can open a current account via the Internet, with a mandatory subsequent submission to the bank original documents.

The bank fills in a card with sample signatures. You need to be very careful when putting your signature sample, it will subsequently carry out all operations on the account, and if the operator finds the signature different from the original, the documents can be returned without execution.

In order to transfer funds to a current account, it is not enough to know only its number. Bank account details are required, which are indicated in the bank account agreement concluded between by customer and the bank.

All legal entities are required to open a current account. The legislation provides for the possibility of working without opening an account only for entrepreneurs (individual entrepreneurs) working without opening a legal entity.

However, there is a limitation on the maximum amount of a cash transaction in the amount of 100 thousand rubles.

for example: SP entered into a contract for the supply of materials in the amount of 500 thousand rubles. Payment can only be made by bank transfer, and the entrepreneur will be required to open a bank account.

If the condition is not met, then when checking by the tax office, fine will be for IP up to 5 thousand rublesfor LLC in 10 (ten) times more. About IP taxation, you can read the link.

This limit does not apply to funds received for payment of labor, for issuance under a report, social payments, to the personal needs of the entrepreneur (this will need to be proved).

The bank may suspend account operations at the request of authorized persons.

An account may be seized or file cabinets may be issued in the following cases:

  • Overdue payments to the budget.
  • Delays in filing income statements.
  • Lawsuit lawsuit.

You can close an account in the following cases:

  • The decision of the authorized person.
  • Liquidation or reorganization of a legal entity.
  • Bankruptcy.
  • The decision of the judiciary.

If, when closing the account, there is a balance on it, it shall be transferred to another account or withdrawn in cash at the request of authorized persons.

Today, enterprises can have several accounts in one or several banks.

3. Which bank to open a bank account for individual entrepreneurs and LLC - 5 main criteria for choosing a bank

Having registered a company, it is necessary to determine the bank in which the current account will be opened.

Consider the main criteria when choosing a bank to open a current account.

Criterion 1. Stability of a credit institution

The safety of the funds of the enterprise will depend on the reliability of the bank.

Must remember, that the rest of the funds in the bank account is not insured by anyone (unlike private deposits), in the event of bankruptcy, the company may wait a long time for a refund.

Criterion 2. Tariff and fees (cost of service)

The second most important selection criterion is the tariff plan used to open and maintain an account. The difference in tariffs in different banks can be very substantial, regardless of the level of services provided. Therefore, it is necessary to choose a suitable tariff plan.

Banks charge a commission for opening a current account, its value may be from 100 rub. up to several thousand. You can find a credit institution offering open account for free, but for the service an increased tariff may be taken.

Below in the article will be presented the optimal tariffs in stable and reliable banks.

Criterion 3. Internet banking

Internet banking has now become a necessary element of the functioning of the enterprise. It allows you to make payments quickly, mobile, without visiting the bank.

Important discover bank customers' opinion on the existing Internet banking, as the system may not be worked out and inconvenient to use.

Criterion 4. Accrual of interest on account balance

In some credit organizations there is an accrual service income interest on the cash balance in the current account. Usually this is done for important customers of the bank, in order to attract and accumulate all the funds of the client in one credit institution. Percentage is usually purely symbolic, but carries a positive attitude.

Where is it more profitable to open a current account for LLC and IE? Rating of the best banks for opening a current account

4. Where is it more profitable to open a current account for an individual entrepreneur or LLC - TOP-8 banks (classification according to tariff plans) 🏨

You can choose a bank according to different criteria, it is important to decide on the most significant for a particular company. If the company needs an account only for calculations with the tax, do not choose banks with mobile and Internet applications.

With the organization’s constant lack of funds in the account, there is no need to choose tariffs with interest on the account.

4.1. Banks where you can quickly and easily open a current account for LLC and IE online - 4 modern and innovative banks

Young progressive banks offer good conditions for their customers. Below are presented TOP 4 Bank, where you can open a bank account for individual entrepreneurs and LLC can be free and online. These banks are the most technologically advanced and have reasonable rates for opening and maintaining a current account.

1) Tinkoff Bank

According to customer reviews, Tinkoff Bank is distinguished by good service, convenient Internet banking, and the ability to open an account via the Internet. This is a young progressive bank, successfully conquering the financial market. The disadvantages of his work include the lack of an extensive branch network.

The bank has two tariff plans: Simple, Advanced.

Tariffs for opening and servicing a current account in Tinkoff Bank:

Monthly maintenance2 months for free, further from 490 rubles.
Internet bank

Mobile Bank

SMS alerts
+ free

+ free

+ free
Cost of paymentFrom 29 rub.
Card transfersTo bank cards for free.
Cash withdrawal0,25%
Interest on balance8%

Opening time will take only a few minutes, you can immediately use the account. The bank has long trading day - from 7.00 to 21.00

The disadvantages of his work include the lack of an extensive branch network.

2) Modulebank

The bank module offers a free tariff plan for small businesses, has a convenient mobile application. According to management, balances on current accounts are insured for up to 1.4 million rubles. The disadvantages of the bank include an unbranched branch network, since the bank is still young, it does not have the full trust of customers.

It offers three tariff plans depending on the speed: Start, Optimal, Unlimited.

Tariffs for servicing and opening a current account with Modulbank:

Monthly maintenanceAccording to tariffs from 490 rubles. on the starter pack for free.
Internet bank

Mobile Bank

SMS alerts
+ free

+ free

+ free
Cost of paymentAccording to the unlimited plan for free, for others from 19 rubles.
Card transfersUp to 0.5%
Cash withdrawalAccording to the optimal and unlimited plans, free of charge, according to the starting 1.5%
Interest on balanceUp to 5% per annum, depending on turnover and tariff plan.

A bank account is opened within one day, although you can use it immediately. The trading day is long - from 9.00 to 20.30.

The disadvantages of the bank include a small branch network, since the bank is still young, it does not have the full trust of customers.

3) Bank UBRD (Ural Bank for Reconstruction and Development)

The Ural Bank for Reconstruction and Development offers a convenient tariff plan. A feature of the bank is the ability to call a manager to open an account in his office.

There are 5 service plans:

  1. Business set 3 - All-inclusive principle 3 months;
  2. Business set 6 - All-inclusive principle 6 months;
  3. Business set 12 - All-inclusive principle 12 months;
  4. Online - real time mode;
  5. "Everything is simple" - payment only for operations on the account.

Tariff connection is a paid service, it costs from 2.5 thousand rubles.

Tariffs for opening and servicing a current account in a bank of UBRD:

Monthly maintenanceFree of charge for all tariffs except the Online tariff (450 rubles for it)
Internet bank

Mobile Bank

SMS alerts
+ free

+ free

+, the cost of 39 rubles.
Cost of paymentFrom 25 rub.
Card transfersThrough your bank for free
Cash withdrawal1-3%
Interest on balance-

The bank opens an account within one day. Operating day standard - from 9.00 to 18.30.

A feature of the bank is the ability to call a manager to open an account in his office. The bank offers a cheap tariff plan, but a paid SMS notification.

4) Bank Point (Opening)

Point Bank offers convenient customer service conditions, carries out transfers in the bank system around the clock. Tariffs can be different in different regions of the bank's presence. The most expensive rates are Moscow representative offices of the bank. It offers services of Internet acquiring, mobile acquiring, carries out transfers with counterparty verification. The disadvantages include the insufficient number of offices and representative offices.

The bank has 3 service tariff plans:

  1. Low cost;
  2. Economy;
  3. Business.

Tariffs for opening and servicing a current account in a bank Point (Opening):

Monthly maintenanceFrom 1.9 thousand rubles to 7.5 thousand rubles.
Internet bank

Mobile Bank

SMS alerts
+ free

+ free

+ free
Cost of paymentFrom 30 rub.
Card transfersThrough your bank for free
Cash withdrawalFree within certain amounts
Interest on balanceUp to 8% per annum

You can open a bank account in a day and use it right away. Extended trading day - from 00.00 to 21.00.

The Bank offers services of Internet acquiring, mobile acquiring, carries out transfers with counterparty verification. What is mobile, commercial and Internet acquiring, we wrote in the previous article.

The disadvantages include the insufficient number of offices and representative offices of the bank.

4.2. Settlement account in the largest banks of the Russian Federation - 4 reliable and large banks

Let's move on to a review of the largest banks in the country with tariffs for opening and maintaining a current account for legal entities.

1) Sberbank

Sberbank does not need to offer preferential terms of service, it attracts its customers reliabilityand the presence of many representative offices and offices. Therefore, the tariffs for servicing and opening a current account for individual entrepreneurs, LLC and other forms of entrepreneurship at Sberbank are quite high.

Only “Important” (VIP) bank customers with good turnover on the current account and using various banking products can rely on preferential terms. As a bonus, Sberbank proposes the opening of a second and subsequent settlement accounts in the mode online without visiting the bank and submitting additional documents.

To open a current account with Sberbank, it offers 6 service tariff plans:

  1. Minimum;
  2. Basis;
  3. Assets;
  4. Optima
  5. Trading plus;
  6. Salary.

Tariffs for opening a current account and its maintenance for individual entrepreneurs and LLC in Sberbank:

Account openingAt least 1.5 thousand rubles, when connecting Optima or Trading plans plus opening is included in the tariff
Monthly maintenanceFrom 1,5 thousand rubles.
Internet bank

Mobile Bank

SMS alerts
+ free

-

+ free
Cost of paymentFrom 100 rub.
Card transfersThrough your bank for free
Cash withdrawalFrom 1%
Interest on balance-

The bank does not differ in the speed of service; it will take from one day to several to open an account. Customer Schedule - from 09.30 to 20.00.

Among the main disadvantages of working with Sberbank is its low level of quality of service, poor technical support, and the duration of request processing.

2) Alfabank

Alfabank also takes its reliability and stability, there are individual service programs, bonuses and coupons are provided.

Customers note a fairly high tariff plan and tight control over operations performed by customers.

Tariffs for opening and servicing a current account in Alfabank Bank:

Account openingThe first account from 3.3 thousand rubles, the second and subsequent from 990 rubles.
Monthly maintenanceFrom 300 rub.
Internet bank

Mobile Bank

SMS alerts
+, connection 990 rub.

+ free

+ free
Cost of paymentFrom 25 rub. up to 250 rub.
Card transfersThrough your bank for free
Cash withdrawalFrom 0.5%, min. 300 rub
Interest on balance-

The time to open an account with Alfa Bank will take from 3 days. Operating day Standard - from 09.00 to 19.30.

3) Vanguard Bank

Vanguard Bank does not offer the best service conditions.

According to customer reviews, the bank has cases of imposing services, annoying calls, although the average impression of the bank is positive.

The bank offers the following tariff plans:

  1. Base;
  2. Advanced;
  3. All inclusive.

Tariffs for opening and servicing a current account in Vanguard Bank:

Account opening1 account 3 thousand rubles, then 1 thousand rubles.
Monthly maintenanceFrom 500 rub.
Internet bank

Mobile Bank

SMS alerts
+ free

-

+, 500 rub. per month
Cost of paymentfrom 25 rub. up to 150 rub.
Card transfersTo your ATMs for free
Cash withdrawalFrom 1.2%
Interest on balance-

The time to open an account with Vanguard Bank will take 1 day. Short trading day - from 09.00 to 17.30.

4) Raiffeisen Bank

The bank is a representative office Austrian Banking HoldingRaiffeisen Bank International AG". Included in the 20 largest banks operating in the territory of the Russian Federation, in terms of assets.

It offers average cost of service tariffs. The bank offers 2 service tariff plans:

  1. Start;
  2. Base.

Tariffs for opening and servicing a settlement account with Raiffeisen Bank:

Account openingis free
Monthly maintenanceFrom 0.5 thousand rubles.
Internet bank

Mobile Bank

SMS alerts
+, connection 2,5 thousand rubles.

+, 190 rub. per month

+, 190 rub. per month
Cost of payment50 rub
Card transfersThrough your bank for free
Cash withdrawalFrom 0-1%
Interest on balance-

Time to open a bank account will take 1 day. It has very short trading day - from 09.00 to 17.00, which is a very inconvenient moment for customers.

The Bank offers medium-priced tariffs; at the Start tariff, the Internet Bank is paid. Customers note the fact of an attempt to impose additional services at the bank

4.3. Summary table of tariffs for opening and servicing a bank account

It is necessary to choose a bank according to individual needs, choosing advanced technology companies.

The table below summarizes the main parameters to get a complete picture of tariffs for popular banks.

The cost of opening and maintaining a bank account
Name of the bankOpening a current accountAccount ManagementInternet BankingCost of paymentInterest on balance
TinkoffIs free2 months for free, then from 500 rubles.Is freeFrom 30 rub., Unlimited 990 rub./ monthUp to 8% per annum
ModulebankIs freeFrom 0 to 3 thousand rubles.Is freeFrom 0 to 90 rub.From 3 to 5% per annum
UBRDIs freeFrom 300 rub.Is freeFrom 25 rub.No
Point (Opening)Is freeFrom 500 rubles to 7.5 thousand rubles.Is freeFrom 0 to 50 rubles.Up to 8% per annum
SberbankFrom 1,5 thousand rubles.From 1,5 thousand rubles.Included in the cost of service100 rubles per payment.No
Alfa BankIs freeFrom 850 rub.990 rub for connectingFrom 25 rub. from payment.No
VanguardFrom 1 thousand rubles900 rubIs freeFrom 25 rub. from payment.No
Raiffeisen BankIncluded in the tariffFrom 1,5 thousand rubles.2.5 thousand rubles for connectingFrom 15 rub. from payment.No

Thus, large banks offer quite expensive service tariffs, which is explained by their position in the financial market. Along with old stable banks, such as Sberbank, Alfa Bank, Vanguard, young promising banks are not inferior in stability and complexity of the proposed programs. They often offer more attractive rates and good service conditions. All banks represented are highly rated by rating agencies.

Important! Since some banks offer service for a certain time is free, it makes sense to open accounts not in one but several banks and look at a personal example of the convenience and quality of service.

For a small business, when the turnovers on the current account are planned small but stable, the best options can be considered Mobbankbank Point, Tinkoffbank. They differ in the offers of free services for new customers (for several months), they offer free Internet banking and a mobile bank.

If the LLC or IE to the current account will receive more than 1 million rubles per month, your choice is better to stop at Sberbank, Alfabank, Vanguard Bank, UBRD Bank. They offer individual service programs, they are stable and reliable.

Assistance in opening a current account for individual entrepreneurs and LLC - detailed step-by-step instructions

5. How to open a current account - step-by-step instructions (help) in opening a PC for LLC and IP

Opening an account is a prerequisite for legal entities and desirable for individual entrepreneurs. If the individual entrepreneur plans to develop his activities, he will be charged is necessary to pay taxes, settlements with suppliers and so on.

So, consider the step-by-step procedure for opening a current account.

Step 1. Choosing a bank (credit institution)

An account can be opened in one or several banks at the request of the client. Having selected a bank, the client turns to his manager to clarify the necessary package of documents. After preparing the documents, he fills out an application form.

Some banks offer online account opening service and providing copies of documents, but with their obligatory confirmation at a personal visit to the bank. Usually, the second and subsequent legal entity accounts are opened in one bank online.

Other banks offer specialist visit to the customer’s office, where the account will be opened on the spot, without visiting the bank.

Step 2. Choosing a tariff plan

The second important step is the right choice of tariff plan. It depends on the size of the planned turns in the current account.

It is selected individually, it is possible to switch from one tariff plan to another. This procedure is usually free for customers.

Step 3. Paperwork

At the bank, the client fills out a signature sample card, an agreement is concluded for opening and / or settlement and cash services (sometimes it is presented in the form of an offer agreement on the company’s website and does not require separate signing). What is a cash settlement service (cash settlement services for legal entities) and why it is needed, we wrote in one of our articles.

It is also necessary to sign documents for additional services.

When opening an account with a bank, all authorized or authorized persons must be present (the power of attorney is notarized). Compulsory The condition is confirmation of authority.

Step 4. Configuring additional services

After signing the documents, Internet banking or client-bank, mobile banking, acquiring and so on are set up.

What is acquiring and what is it for, read in our last publication.

If the client is poorly versed in the legal intricacies of opening and maintaining a current account, he can contact specialized companies that provide services for the preparation and verification of all documentation for opening an account. Their experience and knowledge of the legislation will help in solving all arising problems.

6. How to find out the organization’s current account - 4 easy ways

Consider some simple ways to determine the organization’s current account.

Method 1 To find out the number of your current account, just look at the contract that is concluded between the bank and the client.

If you want to find out the account number of a third party to which you intend to transfer funds, you can also see it at the end of the contract.

You can find out the settlement account of the organization (IP) by the details at the end of the contract

Method 2 If you have activated the Internet banking service, you can go to your personal account and find the necessary information there.

Method 3 You can find out the organization’s bank account online (tax service website - (egrul.nalog.ru))

You can find out the organization’s current account via the Internet and the federal tax service

Method 4 If the listed options did not help to know the account of the organization, then the most obvious way is call the bank.


To conclude agreements / contracts for the supply of goods and the provision of services, you must know the details of the legal entity. They are usually prescribed at the end of the contract, in the section: "Addresses and details of the parties". Without details of a legal entity impossible money transfer.

Details include:

  • Name of organization, account number.
  • Name, BIC, TIN, KOR / ACCOUNT, Bank checkpoint.

If you specify erroneous details, funds usually "hang" at the bank, and await confirmation for crediting. The client must notify the credit institution in writing of the exact details of the payment.

7. Frequently Asked Questions (FAQ)

Consider some of the questions that entrepreneurs often ask when registering their business.

Question 1. Where is it more profitable to open a current account for individual entrepreneurs?

An individual entrepreneur may open an account with one or more credit institutions at his discretion. High competition forces banks to fight for each client, offering favorable terms of service.

The main points that pay attention when choosing a bank:

  • Work stability, stability, high reliability rating of a credit institution. This information is on the website of the Central Bank, various rating agencies.
  • Tariff planoffered by the bank. It is worth noting that young progressive banks offer cheaper rates than credit institutions that have already gained credibility in the financial market.
  • Customer reviews about the bank. Of course, they are subjective in nature, but create a general impression of the level and complexity of service in the bank.

Some credit organizations offer temporary free service to new customers (Tinkoff Bank, Modulbank), so an individual entrepreneur has the opportunity to open accounts in several banks and see how beneficial it is to work with them.

Other banks have temporary promotions for opening an account with preferential tariff plans. for example, in the bank "Point" campaign is held at a reduced tariff for maintaining an account for 3 months - from 750 rubles / month.

If an individual entrepreneur has a turnover of less than one million rubles a year, special tariff plans with a minimum cost of services are offered.

The table shows the data on popular credit organizations where it is profitable to open a current account for individual entrepreneurs:

Name of the bankAccount Opening CostThe cost of maintaining an account (minimum) per monthCost of 1 payment (minimum)
Bank Point (Opening)Is freefrom 750 rub.from 30 rub.
Tinkoff BankIs free2 months for free, then from 500 rubles.from 30 rub.
Bank moduleIs freefrom 500 rub.from 25 rub.
UBRDIs freefrom 300 rub.from 50 rub.

The cost may be different in different regions where the representative offices of banks are located. Up-to-date information on regions is available on banks' websites in the public domain.

Question 2. Is it obligatory to open a current account in a bank and is it possible to maintain an individual entrepreneur without a current account?

Russian law does not require an individual entrepreneur to have a bank account. If the maximum amount of settlements no more than 100 thousand rubles. (within the framework of one contract), IP can conduct settlements Cash. You can also pay taxes and other payments in cash.

For an individual entrepreneur, no mandatory cash balance limit is established at the cash desk (as opposed to LLC). How convenient this is for the entrepreneur to decide.

Individual entrepreneurs who work on the patent taxation system or the simplified tax system can do without opening a current account.

The presence of a current account allows the entrepreneur to go to a different level of activity. The trust of counterparties will increase, there will be an opportunity to participate in various state business support programs, and the safety of own funds will increase.

Question 3. Is it possible to maintain an LLC without a current account?

According to the Law "On Limited Liability Companies", enterprises have the right to open a current account, that is, the legislation does not directly require its opening, but they are introduced cash transaction limits (up to 100 thousand rubles under one contract), according to the limit established by banks on the cash balance at the cash desk of the enterprise, in the direction of cash expenses, transfer of taxes and other payments.

Therefore, in fact, the company needs a current account for ordinary business activities.

Question 4. How much does it cost to open a current account?

The cost of opening an account is different in different banks. Some credit institutions open an account is free, in others the cost may be one or two thousand rubles. All information is available on the official websites of banks.

Question 5. Why do we need ready-made companies (LLC) with a current account and where to buy them?

Currently, you can not waste time and effort on preparing documents, registering them with tax and other authorities, opening an account. You can buy a ready-made operating company.

The need for a purchase may arise due to urgency of the operation under contract or in connection with lack of time to study and prepare documents.

You can buy a company with a positive credit history, then it will be easier to get a loan from a bank. If necessary, you can buy an LLC with a current account and the availability of licenses for certain types of activities, consisting of SROs and so on.

Buying firms is possible through various Internet portals, according to advertisements in the press and so on.

If there is time for registration, it is advisable to open a company on your own. So you will know for sure that the company is recently registered and has no debts and disputes with third parties. Moreover, we already talked about how to open an IP on your own and register an LLC on our website.

Question 6. How to close the settlement account of IP and LLC?

The need to close an account may be caused by a switch to a service at another bank, or the termination of an entrepreneur.(For more information about closing the LLC and liquidating the IP, see the corresponding section of the Richpro.ru website)

Closing a bank account for LLCs and IEs is not a complicated procedure and, as a rule, free.

To close the account, the IP submits to the bank an application for closing the account in the form of a bank. It indicates what to do with the funds remaining in the account. They can be received in cash or transferred to another account.

Upon receipt of money in the bank account of the entrepreneur, the bank will return the payment without execution, with the note that the account is closed.

Important! The tax office and pension fund are automatically notified of account closure within a week.

All contractor contracting parties are also notified.

Question 7. How to open a current account for an individual in Sberbank

Sberbank has the widest network of representative offices, branches, additional offices throughout the country. Therefore, it is convenient to work with him, in addition, it stable, reliable Bank, has long been one of the main lending institutions in the country.

To open a current account with Sberbank, the following documents must be submitted:

  • Extract from the USRIP for a period of not more than a month.
  • Certificate of state Registration
  • Certificate from the tax, a certificate from the statistical authorities.
  • IP passport and seal (if available).

Either originals or notarized copies of documents are submitted.

The bank fills out an application and a card of signature samples, signs an agreement on opening and servicing an account (CSC), an agreement on connecting additional services: Internet banking, SMS alert.

To open an account with Sberbank an entrepreneur (depending on the region) will need to pay about 2,000 rubles., maintenance costs about 1,500 rubles. monthly (depending on speed).

Question 8. Rent an IP and LLC with a current account - is it legal?

It is impossible to legally rent an LLC or individual entrepreneur since the organization is not property, and you cannot rent a person (individual entrepreneur).

In addition, when renting a company, the tenant gets the opportunity to manage all accounts, but the owner of the company also has the authority to manage cash flows. With an unscrupulous landlord, you can be left without money earned.

In any case, the disadvantages of renting an LLC or individual entrepreneur (organization) are much more advantages.

Question 9. Do I need to draw up a message on the opening of a current account?

From May 2, 2014 years, laws were passed that abolished the obligation of business entities to notify state authorities about the opening of bank accounts.

The responsibility for informing / reporting of the opening of a current account now lies solely with banks.

8. Conclusion + video on the topic

Opening an account does not present any particular difficulties and does not entail large expenditures of cash. A checking account is necessary for the normal functioning of any production or trading activity. Without it, LLC work is impossible and IP activity is inconvenient.

In conclusion, we recommend that you watch the video, which tells in what cases to open a r / account and which bank to choose:

We hope that this article fully disclosed the topic of a current account for enterprises and entrepreneurs and answered current questions.

Question to the readers!

In which bank did you open a current account and which banks would you prefer to open and maintain an account now?

P.S. The team of the business magazine "Rich Pro" wishes good luck in starting and conducting business using a current account. Share your opinions on the topic and ask questions in the comments below.

Watch the video: Michael Cohen Testimony live before the House Oversight Committee (October 2024).

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