How to open a current account in Sberbank for IP

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

An individual entrepreneur, unlike a legal entity, does not have to open a current account. However, due to the fact that it will still be needed for a full-fledged and legal activity, many people immediately ask themselves the question of how an individual entrepreneur can open a current account with Sberbank.

Why Sberbank?

As in any other bank, Sberbank has a lot of both positive and negative qualities. However, it is for individual entrepreneurs that the proposed conditions are quite favorable, compared with other financial organizations. In addition to directly favorable conditions for opening and maintaining an account, additional advantages of Sberbank are a large number of service points, which greatly facilitates the work of an individual entrepreneur, makes it more comfortable and faster.

It is also Sberbank that is very reliable, which plays an important role for many people who are worried about their funds and want to open a current account with Sberbank for individual entrepreneurs. No one wants to come to the bank one day to find out that all his accounts are frozen, since thisorganization went bankrupt. The chance that this will happen with Sberbank is extremely minimal.

Benefits of having an account

Thanks to the presence of a current account, an individual entrepreneur gets the opportunity to quickly perform any financial transactions in a non-cash way: pay for goods and services, receive payments from other organizations and individuals, and so on. Since legal entities are required to make all payments exclusively through a current account, the absence of such an individual entrepreneur can significantly complicate, if not completely nullify all attempts to cooperate with counterparties.

In addition, if you open a current account with Sberbank for individual entrepreneurs, you can conclude an agreement on the provision of payment terminals with a plastic card. Previously, this was not particularly important, but recently more and more people understand the benefits, reliability and safety of plastic cards and use them much more willingly and more often. So the ability to pay for goods or services with a plastic card can attract more potential customers to IP.

Card account

We should not forget that withdrawing money from an account into cash is not always profitable and convenient. However, if you link an IP account to a plastic card issued specifically for this purpose, you can freely transfer funds to it, and subsequently cash them out if necessary. All this is offered by Sberbank.

Opening an IP current account in it is easier and faster than in most other banks, and highreliability and a small service fee will allow you to comfortably and confidently use your account. Also, this plastic card will help to make more profitable and convenient payments not only on the territory of the Russian Federation, but also in other countries, which can be very useful for those entrepreneurs who plan to conduct international activities.

IP Requirements

As such, Sberbank has no requirements directly to an individual entrepreneur. However, there is a certain list of necessary papers that an individual entrepreneur is obliged to provide to the bank, since it is simply impossible to open a current account for an individual entrepreneur whose contract, documents or any other documents do not comply with the requirements of the law.

To ensure that there are no claims against an individual entrepreneur either from the side of the bank or from the legislature, it is required to provide:

• application for opening an account;
• certificate of tax registration (it should be notarized);
• certificate of state registration of IP (also certified by a notary);
• copy of an extract from the USRIP (from the date of issuance of such an extract to the moment of opening a current account, no more than one month should pass, otherwise it will not be considered valid);
• copy of the relevant certificate from the statistical authorities;
• a copy of the license, if the activity of an individual entrepreneur is subject to licensing;
• copy of the entrepreneur's passport;
• print print and samplessignatures of all persons who, in one way or another, will have access to the current account (chief accountant, deputy, senior administrator, etc.).

After providing all the listed papers, the account will be opened in the near future.

Terms of Sberbank

According to what the instructions for opening a bank account for individual entrepreneurs say, tariffs and fees for opening and maintaining it may vary, depending on the territory in which the opening takes place. On average, the payment directly for the opening itself will be around 2,000 rubles, and the monthly service ranges from 1,500 rubles.

In addition, you can immediately write an application for connecting Internet banking and a corporate card. These financial instruments will eliminate the need to visit the bank often (and, as a result, there will be no need to waste time in line) and will allow, if necessary, to easily and simply cash out the required amount.

Pros

As mentioned above, Sberbank has many advantages, especially for those who want to open an account for an individual entrepreneur in Sberbank. What most entrepreneurs who are looking for a financial institution that would agree to open an account for them need to know is the fact that their funds will be completely safe in Sberbank. The reliability of this organization is unmatched among other banks in the Russian Federation. In addition, convenience and ease of maintenance, relativelylow tariffs, the absence of hidden commissions and payments, and a huge number of branches and branches in all cities of the country - all this will help you make the right choice.

Cons

Like any other organization, Sberbank has its downsides. Despite the huge number of service points, the number of its customers is so large that very often you have to stand in queues in branches. Naturally, this is not acceptable for an individual entrepreneur, whose time costs money. However, once standing in line to open a current account with Sberbank for an individual entrepreneur, you should immediately apply for connecting Internet banking and a plastic card to this account. Thanks to the opportunities provided by such financial instruments, further visits to the bank can be minimized.

Results

Summarizing all of the above, we can conclude that opening a current account with Sberbank for individual entrepreneurs will be a very profitable and convenient solution for most citizens. It is possible that in other banks you can find lower rates for servicing, opening an account or other bonuses that are not provided by Sberbank, but when it comes to money, it is recommended to overpay a little and be absolutely sure of their safety. This is much better than constantly twitching and worrying about whether tomorrow you will be able to work with your account or the bank will suddenly close (or lose its license).

In fact, the reasons why this or that financialan organization can suddenly freeze money in an entrepreneur's account, a lot, and not all of them depend directly on the bank, but if possible, such risks should be minimized. It's one thing - if the movement on the account is stopped for a short time, and some one contract breaks down, this is very unpleasant, but tolerable, and quite another thing - if after the receipt of a large amount of money by the entrepreneur, his accounts will "suddenly" be allegedly arrested, frozen, closed, etc.