10 most profitable checking accounts

FC Otkritie belongs to the list of the most reliable banks, it stands firmly on its feet and offers businesses six different tariffs. The review does not include the free tariff "First Step", but the paid "Fast Growth", since in the end it turns out to be more profitable. For withdrawing funds from the card, you will have to pay from 0.99 (up to 100 thousand rubles) to 4.99% (from 1 to 2 million rubles, more than 2 million withdrawals are not provided). Intra-bank funds transfers are free, interbank payments are relatively cheap - 50 rubles per unit, while the first 7 per month will be free. Commission for depositing money through the cash desk - 0.3%, if money is deposited using a card - 0.15%. You can transfer money to individuals for free, but up to 150 thousand rubles per month. Then the commission will be at least 1.2%.

The good news is that FC Otkritie shares bonuses from partners with customers: amounts for advertising campaigns on various Runet sites and other things important for business. You can also apply for a business card, but it is free for the first six months, and then it turns out to be quite expensive - 149 rubles per month. With the same business card, you can quickly withdraw cash from ATMs with a minimum commission of 0.99%. You can get 100 thousand rubles per day this way.

Tinkoff positions itself, among other things, as a bank for successful entrepreneurs. Therefore, it offers three options for a current account. The "Simple" tariff can be called the most profitable for start-up entrepreneurs and small businesses. Bank service costs money: you will have to pay up to 2.69% for acquiring, for receiving money (0.3%) and withdrawing it: 1.5% + 99 rubles will have to be paid for amounts up to 400 thousand rubles, for withdrawals from 400 thousand up to 1.5 million - 5%, and for everything more - 15%. One payment order will cost 49 rubles, but the first three transactions per month will be free of charge. The nice thing is that you will receive interest every month on the minimum balance of money in your current account. In total, Tinkoff at this tariff can offer a 0.5% return, but not more than 1000 rubles.

The bill will cost 490 rubles per month. It is possible to pay in a package, in this case, the annual service will cost 4,900 rubles. But it can also be free. To do this, you need to buy using cards in the amount of 50 thousand rubles a month. The bank also gives two months to everyone who opens an account. And newly registered individual entrepreneurs receive six months of free maintenance of a current account. Interestingly, the bank also offers online accounting, reporting and free transfers of up to 1 million rubles to a personal card in addition to the IP account. Also, bank clients receive several gifts from partners: money for advertising on Yandex, VKontakte and other sites or access to posting vacancies on Head Hunter. According to reviews, Tinkoff is the best bank in the country in terms of service.

Sberbank is considered the largest and most convenient bank in the country.Today it offers up to five different service packages, including seasonal ones. The main bank of Russia, especially for novice businessmen, has created a rather sparse but attractive tariff with free Easy Start service. One payment will cost 199 rubles. But the first three are free, like any payments in favor of Sberbank customers. There are more than 100 million of them today, which means that this offer is very profitable. Commission for money transfers to individuals starts from 1% and can reach 8%. For amounts up to 150 thousand, there are no write-offs and requisitions at all. Accepting payments is also unlimited and free.

Sberbank eliminates all the shortcomings with reliability. If you put money into the account of the titan of the Russian banking sector, nothing will happen to them. That is why it serves more than a million different entrepreneurs. It is possible that you will cooperate with such a businessman, and you will not have to pay a payment. The institution also allows you to get a business card for a year for free. Reviews about Sberbank are varied, but the positive prevails over the negative.

Sovcombank has three different tariffs for opening a current account. The cheapest and relatively profitable for a young entrepreneur is the Start service package. The commission for each transfer will cost 50 rubles if the recipient is not serviced by Sovcombank. Packages with free commission are not provided. But there is no subscription fee, and crediting money to the IP account is free. You can withdraw them to the accounts of individuals with costs from 0 to 15%, and 15% will be withdrawn starting from the amount over 1 million rubles.Sending employees a salary by bank transfer will cost 1‒15% of the amount.

Individual entrepreneurs receive a personal card, on which they can write off up to 100 thousand rubles without commission. If you exceed the limit, you will have to pay 2% per transfer. It is easy to issue corporate cards: obtaining the MC Unembossed product will cost 500 rubles, and Halva Black - 1,999 rubles. in a year. Their owners have the possibility of free self-collection and instant crediting of funds. You can withdraw money at the cash desk, but it will cost a commission of 2.5 to 15%. But you can replenish your account without commission using a corporate card. The service of acquiring through Internet payment systems costs 2.6%, trading through the terminal - from 1.8% to 2.6%, depending on the type of cards. Connection of the POS-terminal was made free of charge. Sovcombank has mixed reviews - products are often criticized for being expensive when turnover increases, but 24/7 technical support is simply inundated with thanks.

A reliable bank, ready to offer profitable service packages for both small individual entrepreneurs and large LLCs. "Business Start" is the youngest tariff in the line, designed for beginner businessmen or small businesses, which allows them to get the most necessary things for minimal money. You can deposit money into the cashier in cash for free - there is no commission for this. But you can withdraw money with a payment of 3% of the amount. You can transfer money to individuals in unlimited amounts. And up to 150 thousand rubles a month it will be free. Then the commission will grow and range from 1.5 to 10%.

Do not please expensive bills. The bank gives the first three for free, but then you will need to pay 100 rubles for each. You will also have to overpay 15% of the transfer amount if the account turnover is more than 3 million rubles per month. And if the turnover exceeds 300 thousand rubles, then a commission of 1% will be charged for replenishing the account. The bonus of the "Business Start" package lies in free Internet banking. Other Promsvyazbank tariffs require 99 rubles per month. You can also get a business card and use it for free for a year.

Taking into account the different formats of doing business, the bank allows several options for a subscription fee for servicing - monthly, for six months, a year or more. Optimal offers the most pleasant discounts: ‒44% if paid immediately for 12 months (equivalent to 390 rubles/month), free service forever with a one-time deposit of 9,900 rubles. Turnovers on the current account per month are not limited by the upper bar. An excellent bonus is zero commission for internal transfers to individual entrepreneurs and legal entities, as well as for cash withdrawals from any ATM in the country.

The customer of the tariff will not pay a penny for replenishing his account with a card of a third-party financial institution, and will also deposit cash with partners without commissions: Sberbank Online, Megafon salon, Unistream cash desks, Otkritie FC terminals. Extracts, certificates and documentation are prepared as follows: in electronic form, self-unloading is free of charge, preparation by an employee costs 300 rubles, and a printout with courier delivery costs 30 rubles / sheet.

An institution with a 30-year history is associated among Russians with reliability, but does not sin with conservatism. His priority is the most pressing business needs: attractive conditions for external payments and transfers, promotional conditions for promotion on the Internet. The Bank calls the Business Start product an ideal tool for achieving big goals. After a free grace period, it is offered for 1200 rubles / month. transfer up to 5 payments to legal entities and up to 300,000 rubles. individuals.

It turns out that the tariff is not cheap, but customers have a lot of opportunities for promotion on the Internet. The My Target platform (Mail.ru Group) will double the payment for the first advertising campaign in social networks, the University of Business will teach you how to run your business, and LPgenerator will donate a website design. And that's not all: the owner of the current account can profitably agree with the banking partner "My Business" on the maintenance of online accounting (the first 3 months are free).

The tariff plan "New Start" provides 3 free months of using the service, then you will have to pay 490 rubles per month. This is beneficial, since the service includes free salary transfers to employees on Loko-Bank cards, a pleasant percentage on an online deposit (up to 5.45%), the advantage of making external transfers up to 1 million rubles. per month. Individual entrepreneurs can transfer up to 250 thousand rubles / month to a personal card of an individual free of charge.For withdrawing money at any ATM, Locko Business business card holders will pay from 1%.

Settlement and cash services have been greatly simplified with the new Loco Mobile service. It is enough to download the app of the same name on iOS or Android to remotely manage your current account. It opens the possibility to control incoming/outgoing payments, balances, the status of payment documents, as well as generate a statement. If several companies are served, the statistics can be combined.

One of the main backbone banks in the Russian market, trying to attract small entrepreneurs, has made several interesting and cheap tariffs. The service package "Just 1%" turned out to be the simplest, but at the same time profitable. The tariff speaks for itself: you get a free current account with service that does not cost a penny. You can do anything - transfer money, order heaps of payments, and so on. You can even withdraw money up to 1.5 million per month and transfer to individuals up to 6 million per month. If you do not exceed the amount - everything is free! Otherwise, the commission can reach 10% or more. The only thing you will owe to the bank: 1% of the replenishment and 1% of the cash deposited in the current account.

All certificates, statements and even payments are free. It is important that the bank also returns 5% for business expenses on the Alfa-Business card. Her bank draws up immediately for depositing or withdrawing cash, which is very convenient. Another big plus of the institution is the round-the-clock payment day, so that all payments will be made on time and without delay. Reviews about the bank can please: the bank is considered one of the most convenient and reliable.

The cheap current account "Zero" does not require monthly fees, but there are nuances: only individual entrepreneurs with an outgoing monthly turnover of up to 250 thousand rubles can receive it in a single copy. In addition to the most beneficial content, you do not need to pay for the registration of individual entrepreneurship, opening foreign currency accounts, Internet banking, issuing cards, and tax and budgetary deductions. For incoming payments and transfers, money from the account is not debited.

Of the minuses - the lack of a salary project and tax cashback, SMS notifications about transactions will cost 200 rubles every month. It is necessary to step over to the next product - "Start" - in order to receive a 1% return on payments with specific CCCs at the end of the trading day. There is no fee for changing the tariff. And in "Nola" there is no formation of advance reports and an application for checks - you need to know this before getting acquainted with the tariff plan in more detail.