Review of the new bank for entrepreneurs Tinkoff Business. Detailed tariffs. Instructions for opening a current account. Customer reviews. Advantages and disadvantages.

What should a bank be like for small businesses?

Since its foundation Tinkoff Bank uses all the possibilities of advanced technologies, primarily in the field of banking services. TCS's extensive practical experience has allowed us to develop an effective comprehensive banking service for individual entrepreneurs and legal entities. It is an electronic Internet platform that operates online and helps to receive not only popular services for the usual settlement and cash services, but also to work with accounting documents, as well as in office work mode.

Tinkoff has launched a new convenient Internet project that allows your company to instantly open a current account and carry out all the necessary operations at any time and anywhere on a daily basis. The account is reserved for the client instantly, the full opening procedure takes 1 business day.

Main advantages of the new product

Do you need to open an account, but don’t have time for bureaucratic delays and trips to the bank office? Modern Tinkoff Bank offers remote service packages with which it is possible to open an account quickly, with the provision of a minimum package of documents and without tedious waiting in queues. All entrepreneurs have access to a 24-hour consulting and technical support service.

Advantages of a current account in Tinkoff Bank:

• Opening an account within a few days
• The courier comes to your office
• Instant payments
• Free personal manager (contact by phone, email or chat)
• Support for online accounting systems Kontur.Elba, Moe Delo and 1C
• 8 percent on account balance!

Setting up access levels to Internet banking: for yourself and for an accountant

In the plans:

• Online accounting according to the simplified tax system
• Reminder about upcoming taxes and payments
• Currency payments and control
• Verification of partners and contractors
• Open API

Internet banking is an effective solution for purposeful companies that keep up with the times and are ready to actively operate on the Internet in order to increase sales, attract new clients and expand the trade boundaries of their activities. Of course, this modern product will soon be widespread, thanks to the reduction in the costs of banking services for entrepreneurs. After all, first of all, office banks are focused on large businesses, and the tariffs for cash settlement services are prohibitive for small firms and individual entrepreneurs.

The Tinkoff company understands the needs of small businesses and will help you quickly join the banking settlement system, taking into account the characteristics of private entrepreneurship. Applications to connect to the system are already being accepted on the official Tinkoff website. All persons interested in receiving a new type of service for organizations and individual entrepreneurs can familiarize themselves with useful information about the product on the bank's page. It also contains information about the service procedure, current tariffs and nuances of the service. Customers who are among the first to connect are provided with special discounts and prices.

The Tinkoff Credit Systems company (license of the Central Bank of the Russian Federation No. 2673) started in the market for servicing legal entities, presenting a wide range of current banking products.

Until recently, the priority segment of the work of a financial institution was lending and placing deposits of individuals. But today, given the growing demand for business areas for entrepreneurs, this well-known banking structure is actively implementing the most popular technologies and products.

Bank information

Tinkoff Bank was founded in 1994. In 2006, Russian businessman Oleg Tinkov started active development“TKS” gave its name to the company, reorienting it to virtual work primarily with individuals. As a participant in the deposit insurance system, the credit institution also offers a wide range of different banking products to corporate businesses. The main feature is remote customer service through representatives and electronic communication channels.

What should a bank be like for small businesses?

Since its founding, Tinkoff Bank has been using all the capabilities of advanced technologies, primarily in the field of banking services. TCS's extensive practical experience has allowed us to develop an effective comprehensive banking service for individual entrepreneurs and legal entities. It is an electronic Internet platform that operates online and helps to receive not only popular services for the usual cash settlement services, but also to work with accounting documents, as well as in office work mode.

On August 13, Tinkoff launched a new convenient Internet project that allows your company to instantly open a current account and carry out all the necessary operations at any time and anywhere every day. The account is reserved for the client instantly, the full opening procedure takes 1 business day.

To open an account you will need to complete 3 steps:

1. Register in the system.
2. Collect Required documents(according to the minimum package).
3. Sign a contract for the provision of services - a courier service operates.

As a working device of your choice, you can use:

• laptop or computer;
• mobile communications - tablet or mobile phone.

For reference: any operating system, for example, the widely used Windows. A mobile application based on the Android or iOS platform is also available.

Main advantages of the new product

Do you need to open an account, but don’t have time for bureaucratic delays and trips to the bank office? Modern Tinkoff Bank offers remote service packages with which it is possible to open an account quickly, with the provision of a minimum package of documents and without tedious waiting in queues. All entrepreneurs have access to a 24-hour consulting and technical support service.

Advantages online service for remote provision of services:

• fast connection - takes a few minutes;
• simple interface - you will need to sign a document, come up with a login, indicate your number mobile phone;
• convenient and safe management - an authorized person can be given the right to work without the right to sign;
• security and confidentiality of information - ensured by a high and modern level of data protection;
• extended operating day and fast operations.

Basic functionality automated system:

• payments from your current account/accounts, including for paying taxes and fees;
• “real-time” information on all movements on the account;
• generation of statements for the required period;
• carrying out group operations in relation to several documents;
• signing payments in a “batch” way;
• sending notifications and letters;
• sending documents - payment orders, registers to wages;
• possibility of transferring money in favor of non-residents.

Tinkoff's main services for business:

• settlement and cash services;
• salary project;
• credit and overdraft;
• currency control;
• acquiring;
• accounting and office work;
• functions of the financial director.

In addition, each company is assigned a personal manager who will answer all questions and provide assistance at any time, even at night.

Internet banking is an effective solution for purposeful companies that keep up with the times and are ready to actively operate on the Internet in order to increase sales, attract new clients and expand the trade boundaries of their activities. Of course, this modern product will soon be widespread, thanks to the reduction in the costs of banking services for entrepreneurs. After all, first of all, office banks are focused on large businesses, and the tariffs for cash settlement services are prohibitive for small firms and individual entrepreneurs.

The TCS company understands the needs of small businesses and will help you quickly join the banking settlement system, taking into account the characteristics of private entrepreneurship. Applications to connect to the system are already being accepted on the official Tinkoff website. All persons interested in receiving a new type of service for organizations and individual entrepreneurs can familiarize themselves with useful information about the product on the bank’s page. It also contains information about the service procedure, current tariffs and nuances of the service. Customers who are among the first to connect are provided with special discounts and prices.

The bank has already successfully implemented projects aimed at small and medium-sized businesses. In 2014, a salary project was launched, and in the spring of 2015, Internet acquiring services were presented to businessmen.

The new product will certainly also be interesting and in demand in the banking services market. Tinkoff Bank is always in touch, open and ready to communicate with its clients!

Tinkoff Business - an offer for small business entrepreneurs (individual entrepreneurs and LLCs), which includes cash settlement services (CSS) with interest accrual on the account balance and extended operating hours, Internet acquiring, the possibility of business lending and overdraft, money withdrawal from accounts around the world and much more.

The cost of service at Tinkoff Bank for business is from 490 to 990 rubles per month.

Is Tinkoff bank reliable?

In 2016, according to RAS, Tinkoff earned 9.3 billion rubles; the bank occupies a leading position in the rating of banks with remote servicing of small businesses, including those with the most favorable tariffs.

Go to the official website and you will find out everything for yourself.

How to open a Tinkoff Business account and how much does it cost?

You can open a Tinkoff Business account without leaving your home or office, and at the lowest rates.

Just 4 steps to get started:

Step 1. Register an LLC or individual entrepreneur (by the way, Tinkoff can help you with this for free).

Step 2. Submit an application to open a Tinkoff Business account for entrepreneurs. Log in to your personal account and upload scans of documents. Your details are ready!

Step 3. Choose a tariff and arrange a meeting with a bank representative, for example, in your office.

Step 4. Meet the representative and sign the documents. That's it, the account is open!

Tariffs Tinkoff Business online

490 rubles/month

The “Simple” tariff has been created especially for those who are just starting their business and rarely make payments. It is important to take into account that if there is no turnover during the month, the tariff becomes free! Entrepreneurs who registered an individual entrepreneur less than 6 months ago also do not pay anything.

The interbank fee is 49 rubles per payment, but the bank will make 3 payments per month free of charge.

Commission for cash withdrawal is 1.5%.

The bank charges 6% per annum on the account balance (accrued monthly).

990 rubles/month

• Minimum documents required to open an account.
• Details immediately after approval of the online application.
• There is no need to go anywhere or stand in queues.
• Long operating day - from 7 am to 9 pm, intrabank - around the clock.
• Instant account balance update.
• Access to online banking from any device: PC, laptops, smartphones, tablets.
• A separate access level for your accountant.
• Calculation of interest on the balance.
• Unlimited corporate cards.
• Your man in the bank.

Tinkoff - help for small businesses

To help develop your business, Tinkoff Bank also provides the following opportunities:

• Free SMS notifications to counterparties about your payment;
• Cash loan and overdraft;
• Free assistance in registering an individual entrepreneur or LLC;
• Closing the account is free if you don't like it.

To help entrepreneurs, Tinkoff is also introducing:

• Online accounting according to the simplified tax system;
• Reminders about upcoming taxes and payments;
• Trade and mobile acquiring;
• Foreign exchange payments and friendly exchange controls;
• API for advanced;
• Verification of partners and contractors.

The Tinkoff service for individual entrepreneurs (individual entrepreneurs) and legal entities (legal entities) was created to make bank clients more conveniently and quickly manage document flow and carry out financial transactions. The period during which you need to make a decision on further cooperation is 2 months, for clients from banks with a revoked license - 3 months. What are the features of the service?

Services for individual entrepreneurs and legal entities

Official website of Tinkoff Bank.

The scheme of Tinkoff’s work with legal entities and individual entrepreneurs is no different from that for private clients.

Nuance! Users of Internet banking for business are provided with a personal manager free of charge, who can be contacted for advice 24 hours a day, seven days a week.

In addition to standard cash settlement services (SCS), TCS offers services for paying tax fees.

The system integrates with common accounting systems:

• System outline: Accounting and Elbe;
• My business;
• Button.

Tinkoff is currently working on Mobile Acquiring. This service will allow bank clients to accept payments bank cards wherever a smartphone or tablet works and there is Internet. This is especially convenient for small businesses, who work much more often from smartphones compared to legal entities.

For work, remote service technologies are mainly used; visits to the bank office are not required. When a financial institution needs originals or certified copies of documents, Tinkoff organizes meetings between clients and territorial representatives of the bank.

The creators of the Tinkoff portal guarantee that your personal account works from all the most common types of devices:

• on the Windows platform;
• on Mac;
• on Linux.

Owners of iPhone and Android devices are offered to download a free mobile application from the corresponding service: iTunes or GooglePlay. IN mobile application, as well as in personal account, a chat function with the manager is available.

TKS informs about all updates to Internet banking systems on its website.

Tariffs for business

Tinkoff Bank offers 2 tariff plans to legal entities and individual entrepreneurs.

Comparison of service tariffs

About the “Advanced” tariff

This cash settlement package is intended for those who run an active business and make a lot of payments. In the “Advanced” package, Tinkoff pays higher interest on the account balance than in the “Simple” package.

All these conditions apply in the case when there were transactions.

If there are no transactions on the account during the month, then Tinkoff does not charge interest regardless of the size of the balance.

Tinkoff charges a commission for non-cash account replenishment transactions: transfers from legal entities are free, and from individuals constitute 1% of the amount, but not less than 99 rubles.

About the “Simple” tariff

TKS positions this tariff plan as suitable for those who are just starting a business or are inactive.

Nuance! You can change your tariff plan once a month for free. It is profitable to switch to the “Advanced” tariff in reporting period when various statements and certificates are required.

The fee for the account balance is fixed here - 6%. If there are no transactions during the month, it is not credited, even if the account balance is quite large.

How to open a current account

To open a current account, individual entrepreneurs and legal entities need to fill out a form on the official Tinkoff website. It will need to indicate:

• Company name;
• telephone;
• E-mail address.

In addition, clients send scanned copies of the following documents to the bank:

• passport of the individual entrepreneur or owner of the organization;
• OGRN IP;
• SNILS;
• activity licenses, if available;
• statements of financial position.

Tinkoff makes a decision to open a current account within 3 to 5 days. If it is positive, the courier will visit the businessman to sign the documents.

Mobile app.

Individual entrepreneurs and legal entities can perform the following operations online through their personal account:

• pay fees and taxes from the account;
• receive detailed information about the movement of funds in the account using SMS notifications;
• sign sets of payment orders;
• receive an account statement for any period;
• send documents, letters, payment orders, salary registers;
• transfer money to a non-resident's account.

For current accounts serviced via online banking, Tinkoff offers additional services:

• settlement and cash services;
• salary project;
• overdraft lending program;
• accounting and office work;
• currency control and acquiring.

According to the Business Internet Banking Rank 2016, Tinkoff Internet Bank ranks 5th among other remote business banking systems.

Tinkoff Business is not only one of the most convenient business applications for commercial structures, but also an extremely profitable scheme for maintaining a current account for legal entities. The bank focuses on serving individual entrepreneurs and corporate clients, so all economic transactions become faster and more transparent. Impeccable service, tailored both to attract new clients and to provide the most pleasant conditions for major players, makes working with finances easier and promotes economic growth their clients even in times of crisis.

To take advantage of all the benefits that Tinkoff Bank offers for business, you need to carefully monitor the latest offers. From time to time, Tinkoff JSC expands its range of services, simplifying the use of the service for commercial clients. Thus, online banking for business appeared only in the spring of 2016. Users who promptly integrated the new service into their business noted that transactions with a current account have become even simpler and more convenient.

Business account in Tinkoff

Opening a bank account is extremely simple, which is what attracts budding entrepreneurs. The procedure takes only a few days. You will only need the usual documents for such a procedure: passport of an individual entrepreneur (or owner of an organization), OGRN, INN and an extract from the Unified State Register of Legal Entities. Original documents are not needed. It is enough to send scans to high resolution by email.

Tinkoff Bank for legal entities takes into account the level of employment of the entrepreneur, so there is no need to go anywhere to complete registration. After all the data has been verified, you will be contacted and an appointment will be made in your own office.

Tinkoff serves both small and large businesses. Once the current account registration is completed, the following benefits will become available to entrepreneurs:

• Instant payments. Many large banks reserve the right to increase the deadline money transfers up to one business day. Tinkoff transfers money instantly, regardless of the day of the week.
• Personal manager- instead of a faceless technical support service. As a corporate client, you receive a personal assistant dedicated to your account. He will be ready to answer all questions by phone or via the Internet (available as Email, and official chat).
• The account is easy to connect to all leading online accounting systems. Fund flow management becomes even more convenient.
• Corporate card Tinkoff increases user funds. The bank charges from 6% to 8% per annum on top of the account balance.
• Convenient Internet banking with flexible access levels. Various security options for you and your subordinates.
• The first two months in the system are free for every business plan.

The bank offers two tariff plans: for new entrepreneurs and for large clients. The first one is free for the first six months of opening an individual entrepreneur. Also, money for service is not charged if the client has not had any financial turnover within a month. The second one takes funds monthly, but the operations are cheaper. In addition, the annual interest accrued on top of the balance increases.

Soon after meeting with a Tinkoff representative (usually 3-4 hours), you will receive a link to your electronic payment account. User credentials are sent over the phone for security reasons.

Internet banking

Tinkoff’s online account is different high level security. Any significant transactions require confirmation via SMS.

Using Internet banking, you can view all the basic information on your current account. So, you can get a full report on monthly transactions and check the remaining funds. It also stores the history of all payments ever made in the system.

Most users first become acquainted with Internet banking from Tinkoff immediately after completing the account registration procedure. For the first time, an online consultant helps you enter your office. At the same time, the cards are activated and security questions are selected to restore access in emergency situations.

Tinkoff Internet Bank is a self-sufficient financial instrument that allows you to perform any type of important operations.

Mobile app

JSC Tinkoff has developed a corporate Business application that simplifies working with finances. As long as you have your phone with you, you can enjoy all the benefits of the bank and carry out commercial transactions.

If you are not a Tinkoff client, the application will prompt you to fill out an application to open an account. The conditions do not differ from the usual application via the Internet.

The application is protected from intruders: each login is accompanied by the introduction of an additional temporary password via SMS or Push notifications.

Surveys have shown that corporate clients They primarily use the application for the following purposes:

• Reading payment data from a photo from your phone.
• Creating a new payment to the budget.
• Fast payment of taxes.
• Making a payment through a counterparty.

The application also allows you to quickly contact your personal manager or view information about your tariff. Currently, the Tinkoff business application is recognized as the best mobile solution for entrepreneurs. The functionality is expanding with the release of updates, and the developers are not going to stop.