10 best banks for entrepreneurs

The Bank for the individual businessman – a convenient tool that allows you to increase ease of doing business. An account in a major Bank convenient for the SP, and for its customers. But any financial institution is not suitable. It needs to be included in the Deposit insurance system and had special rates for service IP. It is also desirable that these rates were favorable – that is, had not too high a price imputed of the Commission and so on.

Now the banking market is literally Packed with offers for entrepreneurs. But as of this abundance and choose the best option? We have collected a rating of the best banks for entrepreneurs with the most convenient and beneficial tariffs for servicing of current accounts. It included only reliable and large banks that fall under the Deposit insurance system. We have compiled the material on the basis of better rates and services, but also from the feedback of other entrepreneurs.

TOP 10 BEST BANKS FOR ENTREPRENEURS

We have learned in the form of a table the main parameters which you should look at when choosing a Bank for opening an account and conducting business. Paying attention to them, you will be able to find the best rate for your business.

from 1 to 15% + 79 rubles

Naturally, the bare figures to navigate uncomfortable. A detailed analysis of each of the Bank and the tariff for maintaining accounts we invite you to read below.

10 SOVCOMBANK, "SUCCESS"

For entrepreneurs that use the full range of banking services
The price of the payment order from 0 to 19 rubles
Rating (2021): 4.1

Sovcombank is a reliable Bank for entrepreneurs and companies that takes over a large part of the responsibilities for financial operations, leaving time for business. The Bank has four rates for SP: "Profitable", "Success", "Master" and "Start". The rate of "Success" for entrepreneurs, using the full range of banking services. It's worth 1490 rubles a month. The price of bills on it is 0 to 19 rubles per month, and for the transfer to individuals need to pay a Commission of 0% to 2%.

Commission for cash withdrawal from 1.4% on the map Unembossed MS to 1.9% on the map "Corporate Halva BLACK". To pay partners without any money on the account you can up to 1000000 rubles. There is a special package offer, where you can make up to 70 transactions per month. For participation in the auctions on the special settlement account to pay only 50 roubles. It is also the interest on the average daily balance of 0.01% per annum. The fee for acquiring is 1.8%, but for the mere acquiring will have to pay a monthly fee: 990 EUR per month, and offer batch – 690 rubles.

9 BANK ZENIT, "BUSINESS"

Low price and good quality
The price of the payment order: 50 rubles
Rating (2021): 4.2

Zenit Bank is a quality Bank for individual entrepreneurs. It provides all the necessary services to ensure favorable conditions for business. The low price transfers, bills, commissions and other operations make it attractive for the customers. Bank Zenit has four tariff for business: "One for all", "Business", "Business" and "Business without borders". Tell us about the "Business" plan. Maintenance costs only 490 rubles per month, and the fee for Deposit is 0.1% of the amount.

For transfers to natural persons surcharge applies from 1 to 10% (the first 100 thousand – free), and price bills of 50 rubles. Commission for cash withdrawals ranges from 1.5% to 15% depending on the amount. For free you can connect one corporate and one cash card, and change package. SMS-informing is 99 roubles per month. Separate bonus you can open a free currency account. However, for the service you need to pay 1000 rubles per month. Connection and use of mobile Bank free. And merchant acquiring has a Commission of 1.5%.

8 FC DISCOVERY, "RAPID GROWTH"

Individual calculation of the acquiring
Price payment orders: $ 90
Rating (2021): 4.3

"FC Opening" is among the systemically important banks and, accordingly, has a high reliability. It offers several types of accounts for individual entrepreneurs. But the most favorable rate of "Fast growth" that is designed to actively and rapidly developing business. It has less restrictions than the free "First step", and it only costs 490 rubles per month. As a gift to a customer issue business card with free service for six months.

In a month you can transfer money to legal entities free of charge seven times. Then have to pay 50 rubles for a payment system. Physical persons can make free transfers in the amount of 150 thousand rubles per month. Then have to pay a Commission up to 500 thousand in 1% to 2 million of 1.5%, up to 5 million already 2%. 7 million – 4%, and anything greater than – 10%. In General, these fees can be called a small – serious commissions start after only 7 million rubles. Cash withdrawals will cost at least 3% of the amount, if you withdraw less than 500 thousand per month. If more, then the amount up to 1 and up to 2 million will incur a 4% and 5% respectively. And the amount over – 10%.

Internet banking is completely free. The Bank provides convenient acquiring for individual entrepreneurs. I am glad that the calculation of the fee and the cost of service takes into account all the parameters of the SP – needs, possibilities and so on. This allows you to assign fair pay.

7 MODELBANK, THE "OPTIMAL"

Experienced and friendly support
The price of the payment order: $ 100
Rating (2021): 4.3

"Modelbank" works exclusively with small businesses. It offers three tariffs – "Start", "Optimal" and "Unlimited". To contract, enough to register on the website and make an appointment with the Bank Manager. Pleases support – she is always on call to solve any issues quickly and courteously.

Cost tariff "Optimal" is only 390 rubles per month. Replenishment of current account at ATMs or with your own card for free. If recharge cards of another individual will have to pay 2.7% of the amount. On balance is the accrual of interest at the 3% rate provided that the average daily balance of not less than 30 thousand rubles. Transfers to legal entities will cost 19 rubles. And individuals – 19 rubles, if the amount is less than 500 thousand rubles. If it does not reach million – 1% of the amount. And if more than 3%.

Interestingly, in the personal Cabinet is the analyst risks and advice on how to reduce them. If you need acquiring, the Bank sells terminals at a price of 16 to 27 thousand rubles. You only need to purchase and pay Commission and no monthly fee. Individual entrepreneurs in their reviews are actively praising the Bank – they like the conditions and service.

6 SBERBANK, "SUCCESSFUL SEASON"

100 thousand for business promotion
The payment order price: 49 roubles
Rating (2021): 4.4

Country's largest Bank – the most reliable partner you can imagine. If you want stability – open a settlement account in it. Moreover, the Sberbank offers five tariffs. Cheap "Successful season" can be a great solution for newly registered individual entrepreneurs. It will cost 490 rubles per month. In addition, the savings Bank gives money for the promotion of business promises up to 100 thousand rubles.

Rate you can make 5 free payments to legal entities then each one will cost 49 rubles. Individuals can obtain from the entrepreneur to 150 thousand rubles a month. Amount up to 300 thousand are subject to a Commission of 1%. The Commission may rise to 6% (for exceeding a lath in 5 million). Recharge-free cash sum up to 50 thousand per month. Then begins the Commission of 0.3%. And cash advance is the Commission 4 to 8%. Sberbank occupies almost half of the acquiring market in Russia, and his Commission is strongly dependent on the turnover of the individual entrepreneur. It can range from 0.5% to 2.2%.

If you are not attracted to such fare, now the largest Bank in the country a special offer for beginners. If the SP has registered no more than six months ago, he could count on the two months free service on any fare except for package "a Great opportunity".

5 MTS BANK, "ACCURATE"

For those who pay often
The payment order price: 19 roubles
Rating (2021): 4.5

MTS Bank has a sufficient level of security and a large set of services and offerings for small businesses. The Bank offers four tariffs for individual entrepreneurs: "simple", "Low", "Accurate" and "Stable". Opening an account more than simple: just leave a request on the website, upload the necessary documents, to meet with a representative of the Bank and sign a contract. And to the beginners the experts will help to deal with the complexities. The rate of "Accurate" is suitable for frequent payments and settlements in the first place because of the cheap bills. Maintenance is 1450 rubles per month.

Transfers to accounts in other banks, individuals (up to 300,000 rubles per month) and funding another account free. And cash withdrawals in a month will cost just 1% to 200,000 rubles. Opening an account in Russian rubles, the connection of the electronic system "Client-Bank", transfer in budgets of all levels and state non-budgetary funds is also free. SMS-informing is 59 rubles a month. If you want to get reference accounts, you will need to pay 300 rubles. The fee for merchant acquiring is of 1.69% of turnover.

The most reliable Bank in Europe
The price of the payment order: 25 rubles
Rating (2021): 4.6

A foreign Bank is considered one of the best in Russia. Has four handy suggestions for individual entrepreneurs – "Start", "Basic", "Optimum" and "Maximum". Service from the most trusted Bank in Europe is not cheap, but the amount spent will pay off quickly. "Optimum" rate for those individual entrepreneurs, who do not mind to pay 1900 per month for maintaining accounts in one of the largest foreign banks in Russia.

The price already includes many services. In particular, it is possible to use free Internet banking, SMS alerts and map "Business 24/7 Optimal". Also, the price is already included 60 of the transfer of money to legal entities. As of 26 transactions per month fee for each will be 25 rubles. To individuals transfers from a current account free of 500 thousand rubles per month. Next to 6 million rubles the Commission is 1%. For more than $ 6 million per month will have to pay 10%.

The gift of individual entrepreneur for six months is given a "Gold" package for the card. It includes free insurance for the family in the journey, 5% cashback at gas stations and priority service in the Bank. In the future it will be necessary to pay 3000 roubles. Merchant acquiring costs a 1.99% fee on each transaction.

3 ALFA-BANK, "FEA+"

Best rate with foreign partners
The price of the payment order: from 0 to 25 rubles
Rating (2021): 4.7

Service is 3690 rubles per month, but this amount is easy to pay off. By opening an account, you get a lot of bonuses. Convenient online service, freeing you from a lot of unnecessary duties. Free services and products: the card and the checkbook, the service alpha Cash In. Worth nothing also Internet banking, electronic key and the first account in foreign currency. Virtual cards issued to 03.09.2019, do not need money for maintenance, and for more new to pay per month 99 RUB alpha Cash Ultra, the alpha Cash Ultra FIFA, alpha Cash is the life, the alpha Business is available for free for a year, then – 399 rubles per month. There are many useful tools for RKO.

2 TINKOFF BANK, "ADVANCED"

6% on account balance
The payment order price: 29 roubles
Rating (2021): 4.8

"Tinkoff Bank" offers three tariffs for entrepreneurs: "Simple", "Advanced" and "Professional". The first six months of any rate in the Bank "Tinkoff" you can use for free. The best if you have a stable UI with a small speed – Advanced. It allows you to for 1990 rubles a month, all the amenities of a private business account.

The Commission rate is quite low for deposits will have to pay 290 roubles, or 0,25% of the amount. If you need to send money to a person or entity, it will cost 79 rubles and 1% of the amount to 400 thousand rubles. If the amount rises up to 2 million rubles, the Commission instead of 1% will be 5%. And all over 2 million the fee is subject to 15%. The same applies to cash withdrawals. In addition, the PI will be able to throw on the plastic "Tinkoff" to 700 thousand rubles without any fee. And map free to register on the day of account opening, which is very convenient.

Very pleased with the opportunity to receive interest on the cash balance on the current account. At the rate of "Advanced" is 6% if the past month had at least one operation. Acquiring in Bank costs 2.29% when using POS terminals. Online acquiring has no subscription fee and will cost of 2.49% of the transaction amounts. At the same terminal is available for free. "Tinkoff Bank" is deservedly considered the best for reviews satisfied customers – the service here at altitude.

1 POINT BANK, "ZERO"

Best service for beginners SP
Price payment orders: $ 0
Rating (2021): 4.9

"Point Bank" is the brainchild of a large Bank "FC Opening" and "Kiwi Bank". The institution has positioned itself as the best for small SP. The Bank offers four fare for entrepreneurs and companies – "Zero", "Beginning", "Development" and "Corporate". In addition, all rates attached package of free services, such as sole proprietorship or LLC, opening of accounts, online banking and even card issuance. Noteworthy free rate is Zero, which is suitable for young entrepreneur proceeds with a turnover of not more than 250,000 rubles a month.

The conditions are quite favorable. For the service do not need to pay as per the payment order. To transfer money to individuals without a fee up to 150,000 rubles, then you will have to pay 300 rubles for every 10,000 rubles. But for cash withdrawals will have to pay 350 rubles for every 10,000 rubles, and for the replenishment in cash for 80 rubles. But incoming payments and transfers are free. Also, the Bank provides acquiring services with Commission from 1.65% for transactions and sells terminals at a price of 12 thousand to 20 thousand rubles.

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