10 best banks for sole proprietorship

Sovcombank is a reliable bank for entrepreneurs and companies that takes on most of the client's financial transactions, leaving time for doing business. The bank has four tariffs for individual entrepreneurs: “Profitable”, “Success”, “Master” and “Start”. Tariff "Success" is suitable for entrepreneurs using the full range of banking services. It costs 1690 rubles per month. The price of a payment for it ranges from 0 to 99 rubles, and the commission for transferring individuals is not charged within 200,000 rubles, and then it will be from 1.9% + 89 rubles.

The commission for cash withdrawal on a corporate card is 1.5 - 1.9% + 89 rubles. The account can be overdrafted up to 1 million. A special package offer is provided, which gives several advantages at once, including more favorable rates for payment orders and cash withdrawals. Merchant acquiring will cost 2.29%, but not less than 1290 rubles, however, as part of a package offer, you can get a more attractive rate.

Bank Zenith is a comfortable bank for individual entrepreneurs. It provides all the necessary services and provides favorable conditions for business. The low price of transfers and favorable commissions for basic transactions make it attractive to customers. Zenith Bank has four tariffs for business: "One for All", "Business", "Business+" and "Business Without Borders". Let's talk more about the "Business" tariff. Its maintenance costs only 490 rubles per month, and the commission for replenishment is 0.5% of the amount.

For transfers to individuals, a commission is charged from 1 to 10% (the first 100 thousand are free). The commission for cash withdrawal ranges from 1.5% to 15% depending on the amount. The first five payment orders within a month are free, then you will have to pay 50 rubles for each. You can connect one corporate and one collection card for free, as well as change the package of services. SMS informing costs 99 rubles per month. Connecting and using mobile banking is free. Merchant acquiring has a commission of 1.5%.

FC Otkritie is one of the systemic banks and, accordingly, is highly reliable. For individual entrepreneurs, the Fast Growth tariff is the most beneficial, which is designed for an actively and rapidly developing business. It has fewer restrictions than the free First Step and only costs $5.99 a month. As a gift, the client is issued a business card with free service for the first 3 months.Further, its cost will be 199 rubles / month.

You can transfer money to legal entities 10 times for free per month. Then you have to pay 100 rubles for a payment. Individuals can make free transfers in the amount of up to 100 thousand rubles per month, with high turnover, the commission will be 1%. Cash withdrawals will cost at least 4% of the amount if you withdraw less than 500 thousand per month. When using a business card for withdrawal, you will have to pay from 1.49%, but at least 199 rubles.

Internet banking is completely free. The bank provides convenient acquiring for individual entrepreneurs. I am glad that when calculating the commission and the cost of the service, all parameters of the IP are taken into account - needs, opportunities, business features. This allows you to assign a fair payment.

"Modulbank" works exclusively with small businesses. It offers three tariffs - "Nothing extra", "Optimal" and "Unlimited". To conclude an agreement, it is enough to register on the site and arrange a meeting with the bank manager. I am pleased with the technical support, which, according to the reviews, is always in touch, resolves any issues quickly and politely.

The “Optimal” tariff will cost only 490 rubles per month. Replenishment of the current account at ATMs or from your own card is free of charge. 4% per annum is accrued on the card account balance. Transfers to legal entities will cost 19 rubles, to individuals - 19 rubles, if the amount is less than 500 thousand rubles. If it does not reach a million - 1% of the amount. And if it exceeds, then 3%. An acquiring terminal can be bought or rented.The transaction fee will depend on the business area and other conditions. On the bank's website, you can find many other services useful for small businesses - security under 115-FZ, Accounting, foreign economic activity, Payroll projects.

The “Gaining momentum” tariff from Sberbank is the best solution for those who want to pay a little for service, while having optimal conditions for cooperation. The cost of the first month will be only 1 ruble, then 990 rubles per month. Payments to individuals without a commission are possible within the limits of 300,000 rubles, with high turnover it will be 1.7% up to 1.5 million, 3.5% up to 5 million, 4% over 5 million. Payments to legal entities within Sberbusiness are not limited, but up to 10 payments can be sent to other banks for free, then their cost will be 100 rubles. For those who actively use settlements with legal entities, it makes sense to connect an additional package, in which 100 payments for 990 rubles per month.

A free business card is included with the tariff, which will help make payments even more profitable. So, with its help, the fee for depositing cash through an ATM will be only 0.3%. Cash withdrawal for amounts up to 300,000 rubles. - 2%, but not less than 400 rubles, and if you do it through the cashier, then already 2.5%, but not less than 500 rubles. The tariff also includes a number of non-banking services, for example, legal advice, legal assistance in negotiating, and much more. Merchant acquiring is offered with a commission from 1.6%, cash desk from 1000 rubles/month.

MTS Bank has a sufficient level of security and a wide range of services and offers for small businesses. The bank offers four tariffs for individual entrepreneurs: "Easier than simple", "Minimum", "Exact" and "Stable". Opening an account is more than simple: just leave an application on the website, upload the necessary documents, meet with a bank representative and conclude an agreement. Experts will help beginner businessmen to deal with difficulties. The "Exact" tariff is suitable for frequent payments and settlements, primarily because of the frankly cheap payment. Its maintenance costs 1450 rubles per month.

For transfers to individuals in the amount of up to 300,000 rubles. You don't have to pay anything extra per month. And cash withdrawal per month will cost only 1% up to 200,000 rubles, 3% up to 500,000 rubles, 5% up to 1 million and 10% for amounts over 1 million. Opening an account in Russian rubles, connecting the electronic system "Client- bank”, transfer to the budgets of all levels and to state non-budgetary funds are also free. SMS informing costs 59 rubles per month. If you want to receive reference materials on accounts, you will need to pay 300 rubles. The commission for merchant acquiring is 1499 rubles. + from 0.99% of turnover.

A foreign bank, considered one of the best in Russia. It has three convenient offers for individual entrepreneurs - "Start", "Optimum" and "Maximum". Service from the most reliable bank in Europe is not cheap, but the amount spent quickly pays off. "Optimum" - a tariff for those individual entrepreneurs who do not mind paying 2,175 rubles.per month (the price is valid subject to payment for the year, with monthly payment it will be 2,900 rubles) for maintaining a current account in one of the largest foreign banks in Russia.

Many services are already included in the price. In particular, you can use free mobile and Internet banking, the Business 24/7 Optimal card. The price also includes 25 money transfer transactions for legal entities. Starting from the 26th operation per month, the commission for each will be 25 rubles. For individuals, transfers from a current account are free of charge within the limits of 500 thousand rubles per month. Further, and up to 6 million rubles, the commission will be 1%. For amounts over 6 million per month, you will have to pay 10%.

As a gift to an individual entrepreneur for six months, a "Golden" package of services for the card is given. It includes free family travel insurance, 5% cashback at gas stations and priority banking. In the future, you will have to pay 3000 rubles. The acquiring fee is 2.1%.

Alfa-Bank has three tariffs for small businesses: "Just 1%", "Successful Choice" and "VED+". The third one is of particular interest. "VED +" is a tariff for advanced individual entrepreneurs, which allows you to work with foreign partners on favorable terms. You can open an unlimited number of accounts in foreign currency and rubles. The bank helps you understand foreign economic affairs. Commission for transfers to individuals from 0.5 to 4% + 29 rubles. The cost of a payment order is 0 rubles. for the first 60 pieces, then 29 rubles.The commission for cash withdrawal is from 0.75 to 10%. Transfers to a personal account are free within 150,000 rubles. Commission for cash withdrawal from the card - from 1 to 10% depending on the amount, at the bank's cash desk - 2-11%.

Maintenance costs 3990 rubles a month, but this amount is easily paid off. Having paid for the service immediately for 12 months, 2 months will be provided as a gift. Also, every entrepreneur can get an Alfa-Business card with free service and up to 5% cashback for business expenses.

Tinkoff offers three tariffs for entrepreneurs: "Simple", "Advanced" and "Professional". The first 2 months after opening an account, any tariff at Tinkoff Bank can be used free of charge. The most profitable in the presence of a stable IP with low turnover is "Advanced". It allows you to get all the conveniences of your own business account for 1990 rubles a month.

Tariff commissions are quite low - for replenishing an account through ATMs of other banks and partners, you will have to pay 0.25% of the amount, but not less than 290 rubles, through Tinkoff ATMs for free up to 300,000 rubles, then 0.1%, but not less 79 rub. If you need to transfer money to an individual or legal entity, it will cost 79 rubles and 1% of the amount up to 400 thousand rubles. If the amount rises to 2 million rubles, then the commission instead of 1% will be 5%. And everything over 2 million is subject to a commission of 15%. The same goes for cash withdrawals. In addition, an individual entrepreneur will be able to transfer up to 700 thousand rubles to Tinkoff plastic without any fee. The card can be issued free of charge on the day the account is opened, which is very convenient.

I am very pleased with the opportunity to receive interest on the balance of money on the current account. According to the "Advanced" tariff, this is 1%. Acquiring in a bank costs 2.29%, at least 2690 rubles / month. per terminal minus the account maintenance fee. Tariffs for Internet acquiring are set individually. Commission for payment by QR code - from 0 to 0.7% depending on the type of activity. The terminal is provided free of charge. Tinkoff is deservedly considered the best according to customer reviews - the service here is on top.

Tochka Bank is the brainchild of large banks FC Otkritie and Qiwi Bank. The institution positions itself as the best for small entrepreneurs. The bank offers four tariffs for individual entrepreneurs and companies at once - "Zero", "Start", "Development" and "Corporate". In addition, a package of free services is attached to all tariffs: registration of an individual entrepreneur or LLC, opening accounts, online banking, and even issuing cards. Noteworthy is the free tariff "Zero", which is suitable for one IP account registered no more than 90 days ago.

The conditions are quite favorable. You do not need to pay for the service, as well as for payment orders. You can transfer money to individuals without commission up to 150,000 rubles, then you will have to pay 500 rubles for every 15,000 rubles. For cash withdrawals, you will have to pay 350 rubles for every 10,000 rubles, and for cash replenishment - 80 rubles. Incoming payments and transfers are free. The bank also provides acquiring with a commission of 2.5% for transactions, offers terminals at a price of 16,000 rubles or 1,600 per month.For accepting payments via a QR code, the commission will be from 0 to 0.7%, while the maximum transaction amount cannot exceed 600,000 rubles.