Open a settlement account for the IP in the bank. In which bank do you open a settlement account for a PI?

Private entrepreneurs can usea settlement account, but this is not necessary. It may be required for doing business. Open a settlement account for IP in the bank will have to if the work will be a large turnover of non-cash funds. In which bank it is preferable to issue it, will be told in the article.

Why is it needed?

To open a settlement account for an IP in a bank, you need tobusiness development. This is especially important if the implementation is planned, the purchase of goods. By law, an entrepreneur is prohibited from paying or receiving for goods more than 100 thousand rubles under one contract.

Large businessmen also need non-cashpayments. If you open a settlement account for an IP in a bank, it will allow you to work with large counterparties. The cash flow of more than 100 thousand rubles must pass through the account. With it, settlement-cash procedures, remote service, currency control are carried out.

How to open?

The bank account after opening should be designated intax and register. If the organization is not informed in time, it can be fined. In the tax it is necessary to transfer the documents that the entrepreneur received. If necessary, you can close it. This procedure is also not complicated.

Documentation

To open a settlement account for an IP in a bank, you need the following documents:

passport;
paper on registration of IP;
an identification number;
certificate from the tax;
special license;
statements.

This is a standard list of documents, but additional papers may be required. Everything depends on the requirements of the institution.

in which bank to open a settlement account

Where to turn?

In which bank can I open a settlement account for a PI? Now, several institutions offer such services. Each bank has its own tariffs. The price can be in the range of 700-2500 rubles. The cost can be reduced for the implementation of promotional activities.

To choose a reliable institution, you need toread reviews of customers. In which bank can I open a settlement account for a PI? It is important to consider certain criteria. The organization should be reliable, take small commissions and provide many additional services.

Sberbank

You can apply to Sberbank. Only for this you must fulfill 3 conditions: online registration, receipt of the number, as well as the submission of documents. A month is given for this. Before working with the organization, you should familiarize yourself with the specifics of the services, get feedback.

The service costs about 2 thousand rubles. Clients are offered a convenient Internet bank, a small commission for the provision and reception of funds. There is a system of notifications, transfers are made in the regime of 20/7. To open a bank account for a bank, the following documents are required:

passport;
certificate of IP;
document with tax;
an extract about the IP;
samples of signatures of authorized persons and the press;
license.

"Alfa Bank"

You can apply to Alfa-Bank. Open a settlement account for the IP in 10 minutes. Tariffs are different, so you need to choose the most suitable. The fee for receiving funds is different. The cost of maintenance is between 1090-9900 rubles per month. There is a share for payment. With a one-time payment for 9 months will be a 25% discount. The remaining 3 months of service is free of charge.

Cash is withdrawn in all ATMs. Customers can appreciate excellent service and a small subscription fee. Regularly held shares. Customers are offered SMS notifications, a free plastic card. It is required to provide a standard list of documents.

"Vanguard"

Similar services are provided by Avangard Bank. Open a settlement account for the IP will be obtained on acceptable terms. It is important to get acquainted with the tariffs, where it is indicated that the price of the service will be 1000 rubles for online opening, and 3000 rubles for offline service. The service costs 900 rubles a month.

Avangard has no package offers. A uniform tariff applies to customers. It involves the connection of Internet banking, salary project, a lot of intrabank payments. The cost of external payments is 30 rubles for 1 operation. To use the account through an ATM, you need to connect a CashCard.

"Opening"

Entrepreneurs can contact the bank"Opening". Open a settlement account for IP costs 1300 rubles, management will cost 750 rubles if remote service is provided. If it does not, the price increases to 1,700 rubles.

The cost of one payment in online bankingis 27-30 rubles. The cash card is issued for 200 rubles, and its maintenance costs 1,500 rubles per year. You can issue an invoice from the application on the site. When filling it, tick the "Reservation of account" section. After sending to e-mail, you will receive the account number, which should be indicated in the documentation. To complete the cooperation, you need to contact the bank with the main documents.

"Bank of Moscow"

One of the largest institutions is the BankMoscow ". Open a settlement account for the IP in it will not be difficult. All non-cash transactions will be performed safely. The bank should provide a standard list of documents. Additional papers may require a lease of premises, the right to property, documentation of trusted people.

Opening and closing of the account is carried outis free. There are no commissions for crediting money and issuing an extract. A certificate of the balance costs 150 rubles. Other references - 25 rubles. Interest on the balance is not accrued.

Tinkoff

Judging by the reviews, the advantages of cooperation with the bank are as follows:

quick opening, submission of documents online;
the price for service - from 490 rubles;
help of a personal manager;
SMS notifications;
convenience of online banking.

With the provision of basic documents, the service is processed quickly. It is convenient for clients to keep track of the account movements in the "Personal account".

"VTB 24"

Turning to any branch of VTB 24,the entrepreneur will quickly draw up an account for convenient transactions. The amount at the rate is 1,200-12,200 rubles a month. A large network of branches and ATMs operates across 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 the account is not mandatory, it has many advantages:

making settlements with other IP for the amount of 100 thousand rubles;
transparency of operations;
safety of funds;
no need to install a CCP.

Out of the shortcomings, customers emphasize the need to visit the bank and additional maintenance costs. However, citizens are provided with:

cash settlement procedures;
services of foreign trade;
remote maintenance;
plastic card for replenishment and withdrawal of cash.

Notification of the Federal Tax Service

Not later than in 5 business days the entrepreneurmust notify the Federal Tax Service of the opening of a current account. To do this, on the Internet, find and fill out form No. C-09-1 (2 copies). The document on 2 pages contains information about the information of the IP and the open account.

When a document is signed by an entrepreneur, you must put your own seal. Then it is transferred to the Federal Tax Service. One copy is sent back with a note "Accepted". It should not be thrown away.

Notification of the Pension Fund

Within 7 days it is necessary to notify the Pension Fundabout registration of the settlement account as businessmen pay insurance payments. A sample message should be found and downloaded from the PF website. This document will convey important information.

It should be remembered that if not timelyto provide the necessary data in the PF or FTS, the entrepreneur will have to pay a fine of 5 thousand rubles. If you still have to hire employees, and the businessman is registered with the Social Insurance Fund, then this body should be notified.

Closing an account

Often there are cases when you need to close the account. For this it is necessary to write an application and submit it to the bank. The account will be closed, and the balance of funds will be transferred to those details, which are indicated in the application. It is not necessary to notify the Federal Tax Service, the Pension Fund and the FSS.

Thus, the settlement account provides manyadvantages. If serious entrepreneurial activity is planned, then it must be opened. This will simplify all work, as it is convenient for everyone.