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

Private entrepreneurs can use a settlement account, but this is not necessary. It may be required for doing business. You will have to open a settlement account for a PI 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, will be told in the article.

Why is it needed?

You need to open a settlement account for an IP in a bank for business 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-cash payments. 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 and cash procedures, remote service, currency control are carried out.

How to open?

The bank account after the opening must be indicated in the tax and registered. 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 difficult.

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.

Where to turn?

In which bank do you 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 may decrease for the implementation of promotional activities.

To choose a reliable institution, you need to familiarize yourself with the feedback of customers. In which bank do you open a settlement account for a PI? It is important to take into account 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. The 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.

Avangard

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 "Otkrytie". Open a settlement account for IP costs 1300 rubles, management costs 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 banking is 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 Bank of Moscow. Open a settlement account for the IP in it is not 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 free of charge. 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 feedback, 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 customers to keep track of account movements in the "Personal account".

"VTB 24"

Turning to any branch of VTB 24, an 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. Have 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 means;
• No need to install a CCP.

Out of the shortcomings, customers emphasize the need to visit the bank and additional maintenance costs. But still 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 after 5 working days, the entrepreneur must notify the Federal Tax Service of the opening of 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 pages contains information about the information of the PI and the open account.

When the document is signed by the 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.

Pension Fund Notification

Within 7 days it is necessary to notify the Pension Fund about registration of a current account, as entrepreneurs pay insurance premiums. A sample message should be found and downloaded from the PF website. This document will convey important information.

It should be remembered that if timely not to provide the necessary data in the PF or FTS, the entrepreneur will have to pay a fine in the amount 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 FTS, PF and FSS.

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