Due to the rapid growth of small business support, increasing to budding entrepreneurs the question arises of how to open a current account for individual entrepreneurs.Some do prefer to do without it, but be aware that in some situations without PC simply can not do, for example, when working with legal entities or individual entrepreneurs who conduct calculations only in non-cash form.Benefits of using
:
- presence of accounts increases the degree of confidence in your negotiation;
- convenience and time savings in the calculation, payment of fees and taxes.
This is not a complete contradict what benefits you will get if you open an account for the SP.It is important to remember that the key role is played here by the bank with which you enter into a service contract, in fact it depends on the presence or absence of certain services.It should be noted that opening a current account for individual entrepreneurs, you must notify the tax authorities (regardless of the selected bank).Not that you'll be required to pay a fine of 5000 rubles!
However, with all the benefits of the PC, there are also disadvantages (for non-payment of taxes or other payments delayed).The fact that the legislation allowed the IRS to suspend all operations of the individual entrepreneur, and it can be very unfortunate, if you need to pay to suppliers.
As mentioned earlier, the bank plays an important role, if you open a current account for individual entrepreneurs.So let's talk about what criteria it is necessary to choose and what to look for in the contract with the bank:
1. Reliability.She always plays a key role (not only in the business sector).The main criterion for clarification of this factor is the length of stay in the market.The older the bank, the less the chance of losing your money in times of crisis, as they will be insured.
2. Opening a current account for individual entrepreneurs, make sure that you provide a service of Internet banking and additional options.Some are free, others for a month you will charge.
3. Ask your future partners, with some banks they work.This will not only learn about their reputation, but also will show with whom you'd better start cooperating to save money on interbank transactions.
4. Compare the cost of services in each of the banks.Often, some of the fees and additional fees are not said openly, so carefully study the contract.
5. If your activity is related with the frequent transfers across the country, then try to find out how big the branch network of the bank.It is possible that the information received after the settlement account for the IP you will elsewhere.
experienced businessmen at the opening of additional PC is carried out not only the analysis of the above characteristics, but also count how much they cost cash management services for the year.Today, prices can be found by calling the help desk of the bank or look through service contract online.Opening a current account for individual entrepreneurs, this factor can sometimes play a key role, because it depends on the RCU is how much money you will save over the entire period of activity.
