12 best banks for current account
Current account is not only for storing cash. It is the financial instrument of any business, with the help of which transactions with customers and suppliers are carried out, rent is paid, taxes and contributions are transferred. Many organizations provide such a service, but you need to correctly approach the issue of opening an account, so that it is convenient and beneficial to use it.
For a quick solution of this problem, our magazine experts have compiled a rating of 12 banks that provide the best conditions to customers. These financial institutions unanimously received high marks from analysts and users. The choice took into account the reliability of banks, the proposed tariffs, the cost of opening, the possibility of online payments.
Top Banks Rating for Current Account
| Nomination | a place | bank | rating |
| Top Banks Rating for Current Account | 1 | Alfa Bank | 5.0 |
| 2 | Bank Point | 4.8 | |
| 3 | Sberbank | 4.7 | |
| 4 | Tinkoff Bank | 4.6 | |
| 5 | Ural Bank for Reconstruction and Development | 4.5 | |
| 6 | Sovcombank | 4.4 | |
| 7 | Loko Bank | 4.3 | |
| 8 | Raiffeisenbank | 4.2 | |
| 9 | Promsvyazbank | 4.1 | |
| 10 | VTB | 4.0 | |
| 11 | Gazprombank | 3.9 | |
| 12 | Expert Bank | 3.8 |
Alfa Bank
Rating: 5.0
In the first place is the bank that offers the most favorable conditions for opening and servicing a current account. It will satisfy the needs of both experienced entrepreneurs and those who have just set up their own business. For beginners, a variety of bonuses are provided: certificates for recruitment, funds for advertising and other useful options. The financial institution is constantly updating tariffs, and for the better for customers.
Opening a current account is free. Time - 1-2 days. At the same time, it is possible to book it within a few minutes online. Account management is paid based on the selected tariff, ranging from 490 rubles per month. In the absence of operations during the settlement period, maintenance is 0 rubles. Mobile bank, regardless of the options free.
Internet banking connection costs 990 rubles and is paid at a time. You can make financial transactions from any devices: computers, smartphones, tablets. SMS notification occurs without payment. Taxes and fees are transferred without fees. Cash can be withdrawn not only through the cashier, but also through an ATM. Operational day: from 9.00 to 20.30
Bank Point
Rating: 4.9
The second place is occupied by the bank, which is different from others by the longest transaction day. Payments within a financial institution are made within 24 hours. Connection regardless of the selected tariff is free. The application is sent online, and within a few minutes the managers contact the customer. The package can be issued in less than 1 hour.
The simplest tariff includes a large number of options, so for start-up entrepreneurs it is very profitable, since the service on it is free. The undoubted advantage is that financial transactions are made remotely from any device, and Internet banking, which is understandable and accessible to any user, is combined with all types of accounting programs. At the same time for his connection commission is not charged.
Customers appreciated the offer of this bank. They noted that many options are completely free, including an unlimited number of corporate cards, mobile banking, SMS notifications, cash withdrawals and cash deposits to the account, payments and transfers (the limit is according to the selected tariff, then for a fee). A definite plus is a high percentage of the balance. It is 8% per annum and is calculated at the end of each month.
Sberbank
Rating: 4.8
The largest bank in the country ranks third. He has developed several tariffs, among which entrepreneurs will find the most profitable for themselves. It is noteworthy that beginners can choose a package where almost all options are free. A financial institution provides support and donates 100,000 rubles. on the development and advertising on Internet sites. Mode of operation around the clock, which is an undoubted advantage for corporate clients.
Opening a current account is paid. The amount is set in each city separately and varies from 900 to 3000 rubles. Registration takes about 1 day. Client bank is considered one of the most successful in comparison with other financial organizations. Connecting SMS notifications will help to always be aware of the operations performed.
Taxes and fees are transferred without commission. Replenishment of the current account is possible through ATMs. For cash withdrawals are charged according to the established rates. Many customers opted for this bank, choosing stability and reliability. It is especially beneficial to open settlement accounts for large companies with large cash flow, for the safety of which Sberbank is responsible.
Tinkoff Bank
Rating: 4.7
The honorable fourth place in the rating is at Tinkoff Bank. He has prepared programs for any business, therefore a large company and a small enterprise can safely entrust the maintenance of a current account to this financial institution. All operations are carried out without leaving the office. A personal manager is attached to each client who advises remotely and, if necessary, travels to the address of the company. Mobile application is very convenient and affordable.
Internet banking can be used from a computer, laptop, tablet, phone. It is compatible with all accounting software. Connection is free regardless of the tariff. For the maintenance of the current account is charged a fee in the amount of from 490 to 4990 rubles. But there are nice bonuses. The first two months after opening payment - 0 rubles. After registering the PI half a year of service without fees. Issue up to 10 corporate cards is free.
Users are offered SMS alerts. The cost of sending one payment order is 49 rubles. Cash withdrawal fee, a fee is charged at a rate of 1.5%. Users are satisfied with the high percentage (6%) accrued on the cash balance.
Ural Bank for Reconstruction and Development
Rating: 4.6
Stable and reliable bank - on the fifth line of the rating. An application for opening an account is sent online and within a day it will be possible to use it. For remote maintenance, two Internet banking systems have been developed, adapted for all existing accounting programs. The connection of the mobile application is also provided, but through it you can only view the operations, and not conduct them. These services are not paid by users.
All offered tariffs are quite affordable and include the most necessary for running small, medium and large businesses. In each of them the opening is free. With the function of freezing the account commission for the service is not charged. Cash withdrawn at established rates. Revenue can be made both through the cashier and through an ATM. The cost of payments: from 28 to 98 rubles. Each program provides a certain number of free transfers.
If desired, operations can be carried out after 18.00.SMS alert is paid and amounts to 39 rubles per month. Interest on the cash balance is not charged. One corporate card is issued without commission, all subsequent ones are paid.
Sovcombank
Rating: 4.5
Sovcombank ranks sixth. Application can be sent online. Already on this day, the client will be provided with full information about the current account. Its opening on all rates is free. Payments within the bank are carried out around the clock. Account management costs from 0 to 3000 rubles per month. For large companies, an extended package of 10,000 rubles is provided. Notifications of transactions can be received via SMS or e-mail.
For cash payment commission is charged - 0.09%. Outgoing and incoming intrabank payments are free. Customers can use the service of acquiring. The terminal is installed by the bank. The transaction fee can be either an interest rate or a fixed monthly amount.
A financial institution offers several programs for remote work. It is an Internet client, Bank client, Mobile office and Extract online. Advanced features allow you not only to control the flow of funds, but also to perform any operations from various devices. Each system provides individual interface settings, which adds comfort during operation. Many noted that when technical problems arise, they are quickly resolved without interfering with work.
Loko Bank
Rating: 4.4
Loko-Bank is included in our rating due to tariff programs that are beneficial for medium and small businesses. He ranks seventh on the list. Opening an account is possible within a few minutes after submitting the application. At the request of the courier travels to the client to transfer the necessary documents. Registration is absolutely free. Intra-bank payments are made without commission, external operations cost from 19 to 59 rubles. The client can pay 0-4990 rubles for account maintenance based on the selected tariff.
One of the advantages is that it is possible to replenish the current account not only at the place of opening, but also in any region of the country. The bank provides acquiring services, and periodically arranges promotions and transfers terminals for unlimited use absolutely free of charge. A bonus to the simplest “Start” tariff is the online banking service and paperwork when opening without commission.
The cost of SMS alerts depends on the program. Cash withdrawal on wages - 0.6% of the amount. Internet banking is compatible with many accounting programs. The interface is very simple, remote operations do not cause difficulties. For depositing cash, a commission fee is taken - 0.3% (with the exception of the “Unlimited” tariff).
Raiffeisenbank
Rating: 4.3
Eighth place in the rating goes to the bank, which was chosen by many clients for financial transactions and storage of funds. Connection of all tariffs is free. An application sent online is processed in a few minutes. You can use the current account on the same day. SMS informing depending on the tariff can be free or 190 rub. per month. Service starts at 490 rubles. For the maximum package takes the amount of 7500 p. per month.
When paying for the year, you can save a lot. If you wish, you can change the tariff, but you will have to pay 1000 rubles for this service. The cost of interbank transfers is already included in the program. Mobile application is free (except for the "Start" tariff). Internet banking is adapted for all accounting programs. The interface is clear, the functionality is high.
Interest on the cash balance is not charged. For servicing a corporate card is charged a fee of 290 rubles. per month. The trading day starts at 9 am and ends at 5 pm Cash withdrawal is paid and is 1% of the amount. The cost of tariff plans in different cities may differ from each other.
Promsvyazbank
Rating: 4.2
Promsvyazbank ranks ninth in our rating. He has developed a variety of programs for different business segments. Intrabank operations are carried out round the clock seven days a week, interbank transfers - up to 21 hours. The opening request can be sent online. The manager will contact the client within a few minutes. Actions can be taken a day after the application and after the operator has verified the data specified in it.
Technical support and consultation are provided within 24 hours free of charge. Account management fees are different. The tariff "Business Start" provides free service. In other programs, the cost varies from 400 to 2100 rubles. A certain number of payments is free, the next - from 25 p. for the translation.
Internet banking and mobile applications are quite convenient for users and provide an opportunity to track operations and conduct them online from different devices. For cash payment a fee of 0.1% is taken. Corporate cards for legal entities regardless of the number are issued free of charge. Current account can be opened not only in rubles, but also in currency. The bank provides an overdraft for up to 5 years.
VTB
Rating: 4.1
On the tenth line of the rating - a stable financial institution, which has long earned the trust of many customers. The developed programs are diverse. All of them include the necessary options for comfortable operation of both a small enterprise and a large corporation. Opening a current account is carried out directly in the bank branches. A one-time payment for the service will be 2000 rubles. Operating mode: from 9.30 to 17.30. Making payments is possible in the postoperative period.
Internet and mobile bank are free when choosing any tariff. Interfaces are clear even to the beginner. Adaptation goes to any accounting software. SMS informing is not subject to a commission, and the client is always aware of cash flow. Account maintenance is paid from 1,200 to 10,300 rubles per month. If the number of monthly payments is exceeded, each subsequent transfer will cost 39 rubles.
The issuance of cash is subject to a fee. Depositing, depending on the tariff, is free of charge, or from 0.15% of the amount. There is no interest on the balance. Depending on the region, rates may vary in cost and the services included in them.
Gazprombank
Rating: 4.0
The eleventh place in the rating is confidently occupied by the bank, where you can reserve an account online and start using it immediately before signing the cooperation agreement. Opening fee, the cost varies depending on the region of the financial institution. The Internet and mobile bank solve the problems of remote business and conducting any monetary transactions from a computer, tablet or phone.
Commission monthly maintenance fee starts from 600 rubles. Transfers are made instantly, including anywhere in the world. Current account can be opened in a foreign currency. The Bank issues any number of corporate cards of international standard, including the privileged Gold category. If you have questions around the clock support will always come to the rescue. Many customers have noted the attractive appearance of the cards, which increases the aesthetic pleasure in their use.
SMS notification is provided. There are no interest charges on the balance. If you wish, you can transfer to another tariff, more profitable than the current one.
Expert Bank
Rating: 3.9
Our rating is completed by a financial institution that creates comfortable and favorable conditions for small and medium businesses. Account reservation is instant through an online application. For beginners is offered a tariff with free connection and maintenance. For opening other programs, the commission is not charged, and management costs from 790 to 4790 rubles per month.An undoubted advantage is the option of interest accrual (5% per annum) on the cash balance carried out at the end of each month.
The bank offers various nice bonuses for new customers. This is 1.5 months of free use of online banking, auditing statements, discount on accounting services. The cost of one transfer varies from 0 to 85 rubles. Cash withdrawal takes place without a fee, but up to a limit of 700,000 rubles. The bank offers to use the service of leasing or a preferential loan for business development in the amount of up to 5,000,000 p.
According to reviews, this financial institution has developed service packages, among which each client will choose the most convenient and profitable for their activities. The interface of the Internet bank is very clear. If necessary, you can always contact technical support for an explanation of difficult issues.
Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before buying, you should consult with a specialist.
