Author: Igor
I have been using a current account for an individual entrepreneur at Tinkoff Bank for two years. During this time, he sent declarations, got into penalties from the tax office, made a mistake in paying taxes
- in general, I went through all business circles with the bank. This is how the moment came when I gained enough experience to make a big review in 2021.
Pros and cons of Tinkoff Bank for individual entrepreneurs
Reviews of Tinkoff Business for entrepreneurs are generally not bad, but the topic of finance is slippery: I realized this after the first article on a debit card, so the request of ardent anti-fans of the bank just pass by. Yes, not everything is perfect here, but much better when compared to the market.
Pros of Tinkoff for business:
+ Support service - quickly answers, often goes to meet. Customer focus is the "trick" of the bank, but, of course, no one foresees your wishes until you state them yourself. Don't be afraid to write, ask, or offer a compromise.
+ Convenient bookkeeping - here you will receive automatic reminders, and sms will come, and most importantly: everything is online. And time, as we all know, is the most important thing. According to reviews about Tinkoff for individual entrepreneurs on the USN, built-in accounting is simply the best you can think of. I just recently submitted an online declaration for 2020, first trying to do it myself (it didn't work).
On a note. When opening an account, an electronic signature is issued, with which documents can be sent to the tax office within the application.
+ 6 months free service - if you register a new individual entrepreneur or 2 months if you open an account for an existing individual entrepreneur.
+ Up to 3% on the balance - yes, a little, but it compensates for the cost of servicing in the bank, something already. And with high turnovers, you can also earn money (up to 10,000 rubles a month).
+ Convenient phone app - although I do everything through my personal account.
+ Fast transfer to the card within the bank - no commission up to 150,000 rubles per month on a simple tariff.
+ You can also spend directly from the Tinkoff Business card - although now it is already in many banks.
Minuses:
1. There is no free rate if there is no income. Rather, it seems to be there, but if you pay contributions to the tax office (and this needs to be done every 3-4 months), then the free will expire. Although there are still no receipts.
2. A small limit for withdrawal to a debit card. At my base rate, only 150,000 rubles per month. True, you can additionally send it to a credit card.
3. Paid filing of declarations. Although there is accounting, filing a tax return at a simple rate costs 1,000 rubles a year. Free on other tariffs.
On a note. Submitting the first declaration will still be free. The same goes for zero filing.
4. Large commission for cash withdrawals or transfers to the card of other banks.
5. Unexpected blocking of the account. I have not come across this, but I read the reviews, and this is an extremely negative point - and it is found in many banks if you are suspected of something. Therefore, for some "gray schemes" Tinkoff is definitely not suitable, do not indulge.
Tariffs within Tinkoff business
Tinkoff Bank has three tariffs for individual entrepreneurs for 2021:
- Simple - 490 rubles
- Advanced - 1990 rubles
- Professional - 4990 rubles
From the moment of opening and until now, I have been using the "simple" tariff in Tinkoff business, I have enough of it. To withdraw cash from a business account without a commission, I advise you to issue ordinary cards from a bank, this is more convenient:
- Debit or Premium Black
- All Airlines credit card (one of the most profitable)
Tinkoff business has a separate withdrawal limit for a debit and a separate withdrawal to a credit card, so it is profitable to make the main daily expenses with a credit with an increased cashback of 2%. But it is also possible with a business card, as it is more convenient for you.
Since the summer, I switched to premium card rates and wrote reviews, you can see the links above. Below I will make a small table comparing tariffs.
| COMPARISON CRITERION | "SIMPLE" | "ADVANCED" | "PROFESSIONAL" |
| Service cost | 490 rubles | 1990 rubles | 4990 rubles |
| Free conditions | No transactions per month or purchases from 50 thousand | Purchases from 200 thousand | — |
| Currency turnover | 0.2% (minimum 490 rubles) | 0.15% (minimum 290 rubles) | 0.15% (minimum 290 rubles) |
| Withdrawal to Tinkoff card (debit / credit) | 150 000/250 000 rubles | 300 000/400 000 rubles | 500 000/500 000 rubles |
| Percentage on balance | 0.5% (maximum 1000 rubles) | 1.5% (maximum 4000 rubles) | 3% (maximum RUB 10,000) |
| Withdrawal to the card of a third-party bank | 1.5% + 99 rubles (up to 400,000) | 1% + 79 rubles (up to 400,000) | 1% + 59 rubles (up to 800,000) |
| Refill | 1 million | 5 million | 30 million |
| Acquiring | from 1.99% | from 1.79% | from 1.59% |
How to withdraw money from an account in Tinkoff Business?
Such a bank card is issued to the current account in the bank
When you open a current account, Tinkoff issues a business card with which you can spend on everyday purchases (very convenient). But filming is not very profitable.
Therefore, the easiest option is to withdraw Tinkoff to your cards, it will be free within certain limits, which depend on the service tariff you choose. For example, I have up to 150,000 rubles for a debit Black and another 250,000 rubles for an All Airlines credit card at the "simplest" one. At other tariffs, you can transfer more - take a look at the table above.
You can send to cards of third-party banks only with a commission: 1.5% + 99 rubles at a simple rate. I show everywhere using the example of a simple tariff, since judging by the reviews of Tinkoff business, it is the most popular among individual entrepreneurs on the simplified tax system.
How to top up without commission?
To top up an account for a business without a commission, the best option is to send money according to the details (even from your regular Tinkoff card). I somehow accidentally threw money between a business and a debit card, and they charged me a commission (I forgot to specify the account details).
Everything is convenient: I take a QR code with the details of the Tinkoff current account of my IP and scan it when sending from a regular card. Such transfers from your own card are not taxed.
Of course, you can also top up money through a Tinkoff ATM or from a current account with another bank (here the commission depends on another bank). But if the tariff is simple, then even at an ATM, the top-up will be with a commission. But on the advanced tariff already up to 300,000 rubles a month for free.
Currency control at Tinkoff
I do not have a foreign currency account in Tinkoff business, but I do have it on other cards (there you also have to go through currency control, but you don’t have to pay a commission) - on a business account it is 0.2% or at least 490 rubles on a simple tariff. For others, see the table above.
From my acquaintances, no one has encountered the problem of blocking an account for a currency. Although, according to the reviews of other entrepreneurs about Tinkoff business, someone had such situations - it seems to me that people violated something during the translation. Usually I send money by SWIFT transfer to the broker's account, first the money goes to the currency control, after which it goes to the addressee. Probably the same thing works in the opposite direction. Here the bank itself described in a little more detail what they can be fined for.
Accounting from Tinkoff - my review
All invoices for payment of taxes are issued automatically - very convenient
Tinkoff accounting for individual entrepreneurs on the simplified tax system (of which most of them) is a very convenient service, and besides that, it is almost free! Unless once a year, if you file a tax return, you will have to pay 1000 rubles (the first year is free). In fact, you can not use it, count everything yourself - from this you lose nothing, except for time.
I like the built-in accounting department - you set up the contribution settings when you want to pay them, and Tinkoff makes a reminder. Therefore, everything happens on time: you send contributions, input taxes during the year and then you make a deduction to reduce this tax. The first year, when I did not know about these settings, I was just the same mistaken and paid a penalty for this already the next year.
And yes, there is integration with 1C, Contour, Button and My business. I don't have many parishes, so it's enough just services from Tinkoff, but I know that many people use the sites described above, and this is an important point.
How to open a current account of an individual entrepreneur in Tinkoff?
I registered the individual entrepreneur for free through Tinkoff, and then immediately opened a current account there. This made my life much easier - I could not imagine that registering an individual entrepreneur could do without a single trip to the tax office and queues. Seriously, because when I opened an LLC earlier, everything was more complicated, I had to contact a company that helped to draw up all the documents for a fee. Yes, I understand that it is more difficult to open an LLC in general, but this does not change the essence, it's cool that you don't need to go ANYWHERE.
If you do not have an individual entrepreneur, I recommend opening with the help of a bank - if anything, you can always change your current account. And if you already have an individual entrepreneur, then here is an instruction on how to get 2 months of service for free (which is 1,500 rubles).
- Go to the bank's website.
- Fill out the application online.
- Your appeal is confirmed (they check the SP itself).
- A bank representative arrives (home or office).
- Use the account and ask questions in the comments ☺
My review about Tinkoff Business
Nobody likes it when unforeseen difficulties arise. For me, as an entrepreneur, the difficulties with accounting, tax and other operational activities are especially unbearable, which OU does not in any way affect the growth of your project. I just want to do business and devote most of the time to the development of my idea, and not all this.
Therefore, Tinkoff Business and a current account suit me here - a simple tariff for 490 rubles, a bank that often meets halfway, and a convenient service inside. It was thoroughly finalized, since initially, when I visited a couple of years ago, some moments were raw. By the way, I see the same thing in Tinkoff Investments now, I think the bank will screw it up too.
Another important point is that at Tinkoff Business all issues can be resolved ONLINE.
And before, we went to banks with LLC, for any questions we had to stomp to a branch or to an accountant’s office. In general, Tinkoff's current account for individual entrepreneurs is one of the best choices on the market, both in my opinion and in the reviews for 2021.
In addition to the account of an individual entrepreneur, I also have an LLC, and it so happened that this current account is in another bank. Not because I don't like it, but because I'm just a co-founder and don't make such decisions. I have never personally used a paid service from an accountant inside Tinkoff, but I think that it may be suitable for an LLC (your comments are interesting here, who came across).
