Where is the best place to open a current account for LLC

In which bank is it better to open a current account for an LLC? The question has not lost its relevance for many years. If earlier, when choosing an organization to start cooperation, company executives preferred institutions that offered the most favorable rates, now security comes to the fore.

The Central Bank of the Russian Federation periodically revokes licenses from companies that seemed reliable in all respects. For this reason, the choice of institution has become even more important. In order to choose an organization that not only guarantees the safety of funds, but also allows you to start cooperation on favorable terms, a person must study the list of information. Up-to-date information will help him avoid mistakes and find a reliable partner for many years to come.

Definition of needs

If a person decides which bank is better for an LLC and begins cooperation with an institution, in a professional language, interaction with a client will be called settlement and cash services. The procedure allows not only to create an account. The package of services includes a whole list of options. Banks develop tariffs specifically for certain categories of customers.

In credit institutions there are offers for:

  • individual entrepreneurs on the simplified tax system;
  • other representatives of small businesses;
  • medium-sized institutions;
  • large enterprises.

The set of options for each type of client can vary significantly. Choosing the right tariff can be difficult. Experts recommend business owners:

  • identify the needs of the company;
  • assess the capabilities of the company;
  • determine what type of operation the organization will perform using the current account;
  • review current proposals for compliance with the results obtained in the course of the analysis;
  • choose the most suitable package of services.

Using the scheme will help minimize costs. The manager will be able to understand in advance what exactly the company needs for further development. The information will allow you to select a service package that contains only the options you need. You won’t have to pay extra for additional features that are not required for fruitful business.

Bank Compliance

When choosing a suitable company, it should be remembered that popular credit institutions make increased demands on the reliability of the client. The papers that are required to open an account are fixed by law. Credit institutions do not have the right to change the established list. However, companies carefully monitor that the papers provided exactly meet the established requirements.

The reason for refusal to open an account may be:

  • the provisions of the documentation are not given in accordance with the current legislation;
  • the contract for the lease of premises is missing or drawn up in an inappropriate form, if the location of the company does not match the legal address;
  • the wording inside the documentation does not comply with the current rules;
  • violations were detected during the certification of documentation;
  • An error was made while flashing the papers.

The discovery of any oversight can be a reason for refusal in a large bank that does not lack customers. However, not all firms are equally careful about compliance with the rules. If the manager understands that he will not be able to go through the registration procedure due to the presence of errors and inaccuracies, it is better for him to contact a small bank. Such firms are less demanding on the client and set a low service fee. However, institutions are not distinguished by a high degree of security.

Tariffs

The pricing policy of the company is an important factor that needs to be taken into account when discussing where it is better to open a current account for an LLC. Determining the profitability of the proposal, you need to pay attention to the cost:

  • discoveries;
  • reference;
  • cashing out;
  • closing.

According to statistics, the real service fee is approximately the same in all credit institutions. For this reason, you should not chase cheapness. It should be remembered in advance that opening a checking account for an LLC will not work for free. Institutions can use such an offer as a way to attract customers. In fact, such a package of services may imply the need for spending, the amount of which will be many times higher than the price of the classic offer. The company may charge hidden fees.

For example, a current account in Alfa Bank

Funds in favor of a credit institution will have to be deducted for:

  • internet banking connection;
  • certification of copies of documentation;
  • a number of additional services.

To attract customers, some companies offer the head of the company to receive several months of free maintenance of a current account. However, using the offer will affect other rates. The service charge will increase significantly.

The choice of tariff must be made on the basis of a comprehensive analysis of indicators. It is required to take into account:


You should not immediately begin cooperation with a company whose prices are significantly lower than those of competitors. In such a proposal one should look for trick. For example, if an institution offers to open an account for free, you should compare closing and maintenance fees. Surely they will be significantly higher than the offers of other companies. Such a package of services cannot be called profitable. It is better to find another company to start cooperation.

Account management method

When choosing a company to open an account, the client must decide in advance how he will manage it. There are 2 options for transactions - in person or remotely. Experts recommend making a choice depending on the scale of the business. If the company is small, and reporting is submitted to other authorities on paper, it makes no sense to install software for which you have to pay separately.

A large company should also not immediately agree to connect the service. The choice must be made on the basis of an assessment of the territorial proximity of the bank branch to the LLC office. If the company is far away, no additional services can compensate for the lost time. In this case, it is better to immediately give preference to remote maintenance.

You should also choose remote cooperation if the company does not plan to work with cash. In this case, you will rarely have to visit the bank branch. When choosing a company to start remote interaction, the client must consider:

  • is it possible to access the system not only from office computers, but also from the home equipment of the head and accountant of the institution;
  • whether there is a service that allows you to instantly learn about transactions made with an LLC account;
  • whether there is an alternative tool that can replace the checkbook;
  • where can I get bank statements for the LLC account;
  • how many plastic cards can be made.

You should choose only the company that satisfies the head of the institution in all respects. We should not forget about reliability. If the position of a credit institution is shaky, it is better not to start interacting with it. In a crisis, the likelihood of closure increases significantly. Taking into account all the parameters, a representative of the organization will be able to choose a reliable partner.