Rating of the best banks for business

Hello!

The first question faced by novice entrepreneurs in which bank to open a current account. We have compiled a ranking of the best banks for business to help you make the right choice. 29 banks participated in the rating, and the result was unexpected.


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Rating of the best banks for business from “ I love IP ”

How we ranked

For the rating, we selected the 20 largest banks in terms of turnover in the IP accounts for 2014. Then another 10 most popular reviews on forums and social networks. We asked entrepreneurs what was important for them when choosing a bank. So we have a list of questions.



For several weeks we studied the websites and tariffs of banks, wrote letters to them, called technical support (we spent 600 minutes talking on Skype for one call). For an objective assessment, we compared tariffs only for Moscow. The standard tariff was taken as a basis, without a package, or a minimum package.

For each question, depending on the weight, we rated the banks from 1 to 4 points. The maximum number of points you can score is 89.

How places are distributed from 21 to 11

21) Agricultural Bank
20) Khanty-Mansiysk Bank / Gazprombank
19) SMP Bank / Binbank
18) Uniastrumbank / VTB24
17) Moscow Industrial Bank / UniCredit Bank
16) Bank Uralsib / SKB Bank
15) Sberbank
14) Rosbank
13) Bank of Moscow
12) OTP Bank / Opening Bank
11) Intesa

Rating by category

We divided all questions into three categories: customer focus, tariffs and manufacturability. Here are the banks that scored the maximum number of points in each category.

The most customer-oriented banks

1. Probank
2. Avant-garde
3. UBRD / Alfa-Bank.

The fastest way is to open a current account and connect an Internet bank. This will require a minimum of visits.

The most technologically advanced banks

1. Alfa Bank
2. Probank
3. UBRD

These banks work with all browsers and on Mac OS (except UBRD, it does not work on Internet Explorer). In them, you can send payments via the web interface of the Internet bank from a tablet or mobile phone; you do not need to have a USB key or install Java. Alfa-Bank has a mobile bank for iOS and Android with sending payments using templates.

Banks with the lowest rates

On average, the opening of a settlement account is 1,000–2,000 rubles, the account maintenance is 500–1,000 rubles. Internet bank connection is another 1000 rubles., Monthly maintenance is 500 rubles.

In addition to tariffs for opening and maintaining accounts, you should pay attention to the cost of one payment order. Sending payments via the Internet bank costs from 15 to 250 rubles, on paper from 18 to 300 rubles.

The most expensive bank was SKB Bank. Opening a current account, connecting an Internet bank and annual maintenance in it will cost 26,884 rubles.

Banks with the lowest rates:

1. Probank
2. SB Bank
3. UBRD

10 best banks for business

For all banks, we calculated the cost per year. It includes opening a current account, connecting an Internet bank, issuing a USB key, maintaining an account and servicing the Internet bank during the year, as well as 1 payment via the Internet bank per month.

10) Bank Saint Petersburg

Bank St. Petersburg ranked 10th in our rating due to its manufacturability. Internet banking runs on Mac OS, with all browsers. You can send payments via SMS, including via the web interface of the Internet bank from mobile devices.

The cost for the year is 9500 rubles.


Tariffs on the site

9) Promsvyazbank

Internet Bank connects to Promsvyazbank within an hour. It works on Mac OS, with all browsers. Information on the movement of the account can be obtained by SMS and e-mail. There is a mobile bank, but only for viewing transactions. There is also integration with online accounting My job.

The cost for the year 11 910 rubles.


Tariffs on the site

8) Absolut Bank

The main advantage of Absolut Bank is the low cost of maintaining a currency account in the presence of an Internet bank, 200 rubles. per month. Internet banking runs on Mac OS, with all browsers.

The cost for the year is 12,064 rubles.


Tariffs on the site

Raiffeisenbank

Raiffeisenbank Internet Bank works only on Windows with Internet Explorer and Mozilla Firefox browsers. Information on the movement of the account can be obtained by SMS and e-mail. There is a mobile bank, but only for viewing transactions.

The cost for the year 10 560 rubles.


Tariffs on the site

7) SDM Bank

In SDM Bank, opening a current account and connecting an Internet bank takes 1 day. For this you need to come to the bank 1 time. Internet bank works only on Windows with Internet Explorer browser. Information on the movement of the account can be obtained by SMS and e-mail. There is integration with online accounting My job.

The cost for the year 11 900 rubles.


Tariffs on the site

6) Probusinessbank

In Probusinessbank, you cannot open a currency account on the Starting tariff, on other tariffs you can open and maintain a currency account for free. Internet banking runs on Mac OS, with all browsers. If you have a PASS token, you can send payments via the web interface of the Internet bank from mobile devices. There is a mobile bank, you can send payments through it if you have a smart card (the cost for Android is 2300 rubles, for iOS 2800–3100 rubles). Information about the movement on the account by e-mail is available when you connect SMS informing, the cost is 400 rubles. per month.

The cost for the year is 8300 rubles.


There are no tariffs on the site, they were provided by technical support.

Center-Invest

The Center-Invest Bank has the lowest rates for sending payments, through the Internet Bank - 15 rubles, on paper - from 18 to 22 rubles. Maintaining a currency account for free. Internet bank runs on Windows with Internet Explorer, Mozilla Firefox and Chrome browsers.

The cost for the year 8880 rubles.


Tariffs on the site

5) Avant-garde

The advantages of Avangard Bank are opening a current account and connecting an Internet bank in 1 day. If you leave a request on the site, then you need to come to the bank only 1 time. Internet Banking works on Mac OS, with all browsers, but there may be problems when printing payment orders if you do not use Internet Explorer or Mozilla Firefox.

The cost for the year is 7300 rubles.


Tariffs on the site

4) SB Bank

The bank has revoked the license.

3) Alfa Bank

Alfa Bank opens the top three. To open a settlement account, you need to come to the bank only 1 time. Internet bank is connected immediately after paying for account service. You cannot open a currency account at the Business Start rate.

Internet banking runs on Mac OS, with all browsers. You can send payments via SMS, including via the web interface of the Internet bank from mobile devices. There is a mobile bank, to send payments you need to connect a "mobile payment", the cost is 59 rubles. per month. There is free information about the movement of the account by SMS, integration with Internet accounting Elba and My business.

The cost for the year 13 170 rubles.


Tariffs on the site

2) UBRD

In UBRD, opening a settlement account and connecting an Internet bank takes several hours. If you leave a request on the site, then you need to come to the bank only 1 time.

Internet Banking works with all browsers except Internet Explorer, as well as on Mac OS. You can send payments via SMS, including via the web interface of the Internet bank from the tablet. Informing about the movement of the account by SMS and e-mail for free.There is a mobile bank, but only for viewing transactions.

The cost for the year is 3900 rubles.


Tariffs on the site

1) Probank

The bank has revoked the license.

Full table for all banks can be found here .

Some recommendations on choosing a bank

1) Decide what is most important to you. Service cost, manufacturability, or individual services. If you work from a tablet or mobile phone, choose a bank in which you can send payments from mobile devices. If you want to accept payments on the website, see if the bank has Internet acquiring. If you work with cash, pay attention to the fee for receiving and issuing cash and the cost of a cash card (analogue of a checkbook).

2) Carefully study the rates. When opening a current account, you will need a card with signature samples. She can be assured at the notary or in the bank. The costs of the certification of the card and the necessary documents are not included in the cost of opening an account and are paid separately. The cost of connecting the Internet bank usually does not include issuing a certificate and issuing a USB key. They are also paid separately.

3) Leave a request for opening an account on the bank's website. This will help to shorten the time for the security service to verify documents

4) Specify the list of documents required for opening an account. If you need an extract from the USRIP, then order it in advance, since after registration, it is no longer issued. Regular statement is made 5 working days.

5) If you plan to open a plastic card in the same bank, then look at the rates for transferring money from the settlement account to the card. For example, in Alfa-Bank transfers to a personal card up to 150,000 rubles. per month are free. After that, a commission of 0.5% of the amount of the transfer, at least 100 rubles.

What bank do you use? What do you like, what don't you like? Write in the comments.