Let's look at how an individual entrepreneur's account is opened in a bank. It should be noted that this procedure can take place only after the state registration of IP.
In general, the procedure we are interested in can be conditionally divided into several stages.
Stage number 1. Choosing the right banking institution.When a business owner begins to think about where to open a settlement account, first of all he is interested in organizations that are reliable and financially stable. The second most important criterion is the cost of service. If there are at least two representative offices of different banks in the city, you can be sure that the cost of the same service will be different for them. In this case, the prominence of the financial institution on the market becomes particularly important. After all, the more it is known and larger, the more expensive the service will be. In addition, the following points should be considered:
• the level of development of the branch network is important in the event that in the course of its activities it will be necessary to settle accounts with counterparties located in other regions;
• the bank in which the business partners are serviced -use of services of the same financial organization allows to provide high speed of settlements and the minimum amount of commission for various operations.
As for the location, this is the least.significant criterion. The development of "Client-Bank" type systems makes it possible to carry out banking operations without visiting the branch (branch). Such systems are also interesting because their use is cheaper than in the case of personal trips to the servicing financial institution.
Stage number 2 - direct account openingan individual entrepreneur in a bank. In this case, the IP is required to provide certain documents. These include letters from statistics (with codes), a certificate of registration (issued by the tax authority), a certificate of state registration. You must serve both the original and copies of the listed papers.
Also opening an account of an individualentrepreneur means the drawing up of a card with samples of signatures. All other documents the banking institution will provide completely free of charge. Currently, the authenticity can be authenticated either in the presence of a notary or by a bank manager. The second, of course, is very convenient for the client. Further, the parties sign a service agreement, and we can assume that the main goal has been achieved.
However, the businessman should remember thatthe opening of an account of an individual entrepreneur in a bank means notification of this event to the tax inspection, the Social Fund. insurance and the Pension Fund. This, by the way, is the third stage. You do not need to visit all the listed organizations personally, since you can use the services of the post office. Do not think that notification of tax and other services is optional. Rather, on the contrary: the law clearly states that every businessman is given exactly 7 days for this.
It would be naive to believe that opening an accountindividual entrepreneur in the bank will pass unnoticed for the Federal Tax Service. The matter is that financial organizations (banks) independently transfer the latter all necessary information. So try to keep within the law week.
