Tinkoff business accounts and personal payments. Corporate bank card "Tinkoff. Contacts Tinkoff business

20.01.2023

Registration and work in your personal account

Business owners are offered 3 tariff plans: “Simple”, “Advanced” and “Professional”. Each of them has its own advantages.

One of the key elements of a successful business is control. This applies especially to financial matters. A product specially created for entrepreneurs, Tinkoff Business, can help with this - a functional service for representatives of small, medium and large businesses. To use this service, visit the official website tinkoff.ru.

Personal account features

The online banking system from Tinkoff is already used by thousands of clients who, thanks to this service, successfully save their time and finances. Often entrepreneurs, comparing functionality with analogues, note that Tinkoff.ru is the best service today that takes into account their needs. The reason for this popularity is the opportunities it provides to users:

obtaining full control over the financial flows of the enterprise;
the ability to work with the functionality of your personal account around the clock;
prompt receipt of qualified assistance from a personal manager;
maintaining accounting and tax records;
protection and security of data transmission channels.

Working with your personal account is easy and convenient. It takes no more than one day to open an account and gain access to the necessary functions.

Any device with Internet access – a computer, smartphone or tablet – can be used to work with the system.

The success of the product proposed by the bank is explained by the fact that the needs of entrepreneurs were taken into account during its development. First of all, this is access to banking operations at any time, since the business operates around the clock, even on weekends and holidays. Accounts and payments within the bank are available at any time, transfers to other banks can be made from 07:00 to 21:00 Moscow time.

It is also worth noting the options that distinguish the Tinkoff Business product from its analogues:

work with the client is carried out according to the one-stop-shop principle;
You can set a personal access level for each employee of the enterprise;
opportunity to form payment document by scanned copy;
convenient card products, including salary lines;
favorable transparent service rates.

The functionality of your personal account provides convenient cash settlement services and instant online banking. They are easy to use even for novice entrepreneurs. If necessary, bank employees will provide qualified assistance, and they will also help in registering an individual entrepreneur or LLC. And the best part is that there is a free trial period.

Benefits of the service

Accounting options. The structure of your personal account allows you to integrate the most common services into it accounting, such as 1C, Button, Kontur.Accounting and My Business. You can download directly from your account payment order for the bank and maintain all accounting records, including documents tax reporting.

Ease of use. To start working with your personal account, you will not need to download and install additional programs to your computer. Enter account can be done from any device with an Internet connection. Additional features cabinets allow:

receive data on account balances and fund movements for a given period;
study the history and details of transactions;
work with accounting tools;
prepare and file tax returns;
analyze financial activities;
make payments securely;
pay salaries to employees;
receive help from support via online chat.

All financial transactions of the company can be carried out online, anytime and anywhere. For legal entities and as an individual entrepreneur, this opportunity allows you not to be distracted by visits to the bank or tax office, which significantly saves invaluable time.

Personal manager

Each entrepreneur interacts with the bank through his trusted representative or personal manager. This bank employee is always in touch with the head of the company, is aware of everything that is happening and understands the intricacies of doing business.

With the help of a personal manager, individual entrepreneurs and legal entities can quickly find a solution to any non-standard situation.

Mobile app

For more convenient and efficient management of your finances, you can install the Tinkoff Business application on your smartphone or tablet. This will allow you to quickly access the main functions of your personal account, control and manage finances, make transfers and pay bills. Using the application you can also contact your personal manager.

Login and registration

If you have not yet registered an LLC or individual entrepreneur, you first need to address this issue. Tinkoff Bank will help you with the preparation of the entire package of documents, and completely free of charge. After this, to gain access to a convenient service, you need to take several steps. Registration is carried out in 4 steps.

Step 1 – filling out an application. It must be left on the bank's website. To do this, you will have to fill out the appropriate form, which includes requests for the following data:

Company name with Taxpayer Identification Number (information required to draw up an agreement to open an account).
Your contact information (the bank supports communication by email and phone number). Your number mobile phone will also be linked to an open current account for SMS alerts about the movement of funds.

Step 2 – provision of documents. After some time, your personal manager will contact you and ask you to provide copies of the following documents:

passport of a citizen of the Russian Federation;
OGNR (main state registration number);
extract from the Unified State Register of Legal Entities or Unified State Register of Individual Entrepreneurs.

At this stage you will need to fill out the form received on email form and decide on the service tariff. The completed application form and scanned copies of the documents listed above are sent to the bank. After verification, a manager will contact you to arrange a time and place for a meeting to sign the contract.

Step 3 – signing the contract. A bank representative arrives at your home, office or production site at the agreed time. Before signing the contract, you can study it in detail, clarifying unclear details and points with the manager. After signing the documents, after some time you will receive a current account number with a notification about the included tariff plan. For individual entrepreneurs and legal entities, the bank offers a two-month free service period. After this, you make a decision - refuse to work with the bank or switch to paid services.

Step 4 – login to your personal account. To access the services provided, the bank will send you a login and password, which must be entered each time you log into the Internet bank online. After this, you can start using all the bank’s services in a fully functional mode.

You don't have to do anything to activate your account. The operation is carried out automatically during the first authorization in the service account. After this, you can issue invoices, make payments, pay salaries, use online accounting functionality, pay taxes and send tax returns. Carrying out all financial transactions securely protected with a password.

Tariffs for individual entrepreneurs

Tinkoff Bank offers three tariff packages for servicing business clients: “Simple”, “Advanced” and “Professional”.

The first two will be of interest to entrepreneurs and representatives of medium-sized businesses.

Tariff plan "Simple"

This service package is designed for individual entrepreneurs who are just starting their business and, due to low turnover, enjoy banking services quite rare and irregular. Monthly payment service fee is only 490 rubles. But for a month in which no account transactions were made, no fee is charged.

Tinkoff Bank services all new individual entrepreneurs free of charge for six months from the date of their registration.

The difference between the package is that the first three transactions per month are not charged, all others are charged 49 rubles. There is no need to pay for intrabank transfers or transfer of tax fees.

Tariff "Advanced"

Service for enterprises with medium-level turnover. The cost of monthly service is 990 rubles.

As part of the package, you can make up to 10 interbank transactions per month for free, after which the cost of one transaction will be 29 rubles. Free issuance of corporate cards is offered. If necessary, you can buy a monthly package for an unlimited number of free transactions for 990 rubles.

Personal Area business service from Tinkoff is your online office. The system has an extensive list of online banking functions (transfers, deposits, withdrawal of money from an account, statements, statistics, etc.), which will become indispensable for individual entrepreneurs and SME leaders.

How is LC different?Tinkoff Business from other banks:

comfortable and eye-pleasing interface. Even the most inexperienced users can easily navigate the business service’s personal account - pop-up tips that will not allow you to get lost in the abundance of functions of your personal account;
powerful functionality and maximum automation of all issues related to banking operations of legal entities;
innovative security system to protect your data from external attacks by fraudsters.

If you are general director company or hold a leadership position, then you simply must familiarize yourself with the advantages and functionality of your Tinkoff Business personal account for legal entities. LC will be an excellent help to the head of both a small business and a large company.

sending and receiving payments;
checking account balance, receipts and transactions for past and current months;
full detail of financial transactions;
the ability to quickly pay contributions to funds and taxes;
the ability to print a detailed statement of transactions;
electronic signature of payments;
traffic monitoring Money according to the account on the main panel of the personal account;
automated accounting;
the ability to go through currency control in your personal account;
transaction history and monetary transactions On account;
the ability to apply for an overdraft or loan for business needs online;
function of registration and submission of a virtual declaration on expenses, transfers and income of entrepreneurs or companies;
“Tinkoff Target” option (convenient for small businesses and SMEs);
sending information to counterparties about a successful payment;
a security system that allows you to safely make money transactions in various institutions(government structures, tax authorities, counterparties, and so on) and pay for the services of your business partners;
integration with other online banking and management services financial statements(1C, My Business, Kontur.Accounting and so on);
issuance automation wages employees of the organization;
informing your employees and partners about special offers;
management of salary and corporate cards of your organization (company);
information about incoming offers from your business partners;
tariff plan and options management;
the ability to change or pay the tariff;
function of distributing access to personal accounts for employees;
online communication with a personal manager at the bank;
phone information hotline.

In addition to all of the above, for the duration of cooperation with the bank, you will be assigned a manager for all financial and management issues related to the Tinkoff Business personal account for legal entities . You can contact him in your personal account or by calling the hotline number.

Tinkoff Bank Business (Tinkoff ru business) is considered one of the most popular due to the fact that all services are provided remotely. Development occurs every day, which means the resource is becoming even more understandable, accessible and convenient. Before you begin to evaluate all the benefits of this financial resource, you must go through the registration process. It is produced as follows:

You need to visit the official website;
Select the “Internet banking” section;
Click on the “receive login and password” box
In the window that appears, enter the number of the assigned card; to activate, you need to click on “continue”;
Your username and password will be sent to your phone number.

As mentioned above, online login to the personal account of Tinkoff Business Bank (Tinkoff ru business) occurs using a telephone. After logging into the site, the system will request a number to which an SMS with a code will be sent. It will need to be entered in the window that appears. If everything is done correctly, the user will have access to his personal account.

After logging in, the client will immediately note the advantages of the service:

Easy and intuitive interface;
Quick view of completed transactions;
High-quality and high-speed navigation;
Bonus program;
Instant solution questions.

To promote their business efficiently and effectively, every businessman needs a good cash management system. You can log into your personal account for legal entities in Tinkoff Business, as already described above. High-speed online banking has significant differences. The bank will help entrepreneurs track financial transactions around the clock.

The personal account surprises users with its extensive functionality. The following are available to the client:

Personal accounts;
Translations;
Payment for various services;
Traffic police subscriptions and fines;
Settings;
Specialist. offers, etc.

Official site

The official website of Tinkoff Business Bank (Tinkoff ru business) informs about all available credit products, catalog of services provided and much more. The bank provides its services remotely, which allows clients not to waste their precious time, and the bank does not have to waste time on service personnel.

Tariffs for entrepreneurs

Today Tinkoff Business is a high-quality service that takes into account innovative technologies, which provides businessmen easy control monetary transactions. It is necessary to select tariffs for Tinkoff Business entrepreneurs based on the size of the organization.

Tariff "Simple"

It will be an ideal option for young businessmen who have recently formed their own business and rarely use a current account. The cost will be 490 rubles. If no monetary transactions are carried out monthly, then you will not have to pay anything. Everything is extremely simple and accessible.

Tariff "Advanced"

Well suited for large organizations with large cash turnover. Monthly service will cost 990 rubles. Depositing up to 100 thousand rubles per month will be free, and when depositing more than 100 thousand, a commission of 0.25% will be charged.

Tariff "Professional"

Advice for owners large businesses. The monthly payment is the highest - 4999 rubles. But all other operations will be provided much cheaper. In addition, the balance will be charged 8% per annum.

How to open a current account and payments for individual entrepreneurs?

You can open a current account and make payments for individual entrepreneurs without much difficulty. The service was created with many requirements from businessmen. Optimal commission for individuals When withdrawing money from the account, 1-2% was set. Of course, many would like there to be no commission at all, but achieving this is impossible.

Tinkoff Bank Business helps to open a current account and payments for individual entrepreneurs under a specialized program.

To do this you will need:

Go to the official website;
Fill out the form;
Open your account by indicating the company name, Taxpayer Identification Number, personal information, phone number and email.

For confirmation, you must attach scanned images of the above documents, which have signatures and seals.

Free hotline

The toll-free hotline of Tinkoff Business Bank is a center that provides customer support on all issues that arise. After all, the main difference between Tinkoff Business Bank and others is remote maintenance, the organization does not have a single office, which means that all issues will be dealt with by bank managers toll free phone hotline. The client can ask the specialists any question about loans, deposits, etc. and receive a clear answer in the shortest possible time.

Tinkoff Bank has developed a personal account specifically for business representatives, including individual entrepreneurs. The Tinkoff Business service allows you to conduct transactions from your current account from anywhere in the world. The only condition is the presence of a computer or mobile device (smartphone, tablet), as well as Internet access. Users of the Tinkoff personal account note the simplicity of the interface, ease of use regardless of the complexity of the task, and a high level of security.

Personal account functionality

The online banking service from Tinkoff Bank has the functionality of full-fledged accounting. It allows you to perform all necessary financial transactions and control the movement of funds in your account.

In particular, an individual entrepreneur can:

make payments on taxes, fees, and other obligatory payments to the budget and extra-budgetary funds;
receive detailed cash flow statements for a certain period. The data is available in the “Account Transactions” tab. Each transaction can be viewed in detail (the “View Transaction” function), the payment order can be saved as a PDF file;
generate payment orders and other documentation for the payment of wages;
transfer money to the account, as well as from your account to counterparties, including to the accounts of other banks. If transfers to a specific counterparty are made frequently, you can save the payment order and use it as a template;
make payments in foreign currency;
create new, additional accounts;
generate and send tax returns for reporting period. The taxation system must be specified. The service recognizes income received into the account and takes it into account when creating a declaration, and calculates tax payments itself;
apply for loans and overdrafts to solve various business problems.

Registration and login to your personal account Tinkoff Business

The main condition for registering in your Tinkoff Business personal account is opening a bank account. Next, you need to select the most acceptable tariff for account servicing, fill out a special form and attach scans of your passport and accounting documents. During a personal meeting, a bank employee will provide identifiers for access to the personal account of legal entities. They can also be received in the form of an SMS message after signing an agreement to open an account.

To activate your personal account, on the project page www.tinkoff.ru/business/ click on the “Login” button, it is located in the upper right corner. In the form that opens, enter the data - login and password. If they are lost, restoration is possible through the bank's customer service, telephone number to contact the manager 8 800 755-11-10.

Advantages of a personal account for entrepreneurs

By opening a cash settlement service at Tinkoff Bank and registering in your personal account, the entrepreneur receives a “single window” for all financial transactions. All intrabank payments are made 24/7, to accounts of other banks - from 1.00 to 21.00 Moscow time. Funds from your current account can be withdrawn to Tinkoff cards. Monthly withdrawal limit - from 400 thousand to 1 million rubles, interest for this service are not charged. An amount of 8% per annum is charged on the account balance.

For convenient payments in stores and receiving cash from ATMs, you can use a bank card, which is issued to your account and is “linked” to it.

In addition, the bank provides full consulting support. A personal manager is assigned to the client, who is ready to answer questions and provide assistance with any problem at any time of the day.

Today, more than 300 thousand entrepreneurs use the services of Tinkoff Bank. You can also join them. Take advantage advantageous offer, open it, and your business will become much more efficient.

I registered with Tinkoff Bank for business.

Background: as an individual entrepreneur, I used Sberbank Business Online for several years. Over the years, the system has hardly changed: there is no notification of the arrival of funds, transfers even within the bank - from a business to a personal account can take hours.

I called 8 800 555 77 78 and asked a bunch of questions. The operator helped determine the tariff. The price is several times less than that of my previous bank. This is good. I submitted an application and gained access to my personal account. In 10 minutes I filled out the form and sent scans of my passport, personal identification number, certificate of identification and tax identification number. The questionnaire and interface are all very simple and understandable.

Registration with Tinkoff Business means a minimum of fuss with papers: everything is very fast.

The bank checked the data for about an hour, then an SMS arrived saying that it was necessary to make an appointment with a bank representative and sign documents.

A day later, a meeting took place: two packages with documents, 20 minutes for questions, signatures, photos of documents, etc. The representative also brought corporate card linked to the account. It's free. After a long experience with another bank, such loyalty to the client is surprising. And the prices are also relatively small, and in many cases even zero.

After 2 hours I received a message that the account was opened. Installed by phone a codeword, activated the card and selected a pin.

Personal account of Tinkov Business with my still zero account.

About tariffs - the most affordable - Simple:

Maintenance 0 rubles for the first 2 months, then 490 rubles.
Payments are 0 rubles for the first 3 payments, then 49 rubles.
Withdraw cash 1.5% if you withdraw up to 400,000 rubles/month.

The Tinkoff Business personal account is very simple and understandable.

The first money has arrived, an SMS notification has arrived - very convenient!

Fees for withdrawals

This is the bank's weak point. At a Sberbank ATM, you can withdraw no more than 5,000 rubles per transaction from a card of another bank. Tinkov’s commission is 99 rubles - minimum or 1.5% of the withdrawn amount. This is a lot, the bank is clearly designed for payments exclusively by card.

You need to look for ATMs where you can withdraw more than a large sum. Unfortunately, not all stores accept cards yet, for example, small bakeries and flower shops only accept cash.

How to withdraw cheaper and faster: in my case, transfer to Sberbank online (1.5%), and then withdraw from the Sberbank card. In terms of time, the money arrives on the Sberbank card in about 12 hours (support said from a few minutes to 5 days).

Unfortunately, there is another minus: Tinkoff.business does not have the usual transfer to a card by entering its number, you need to enter the card details, card account number (and with Sber there are cases when you can’t get it!). They say it's easier to start debit card at Tinkoff Bank, but I don’t need it yet

Review of Tinkoff Business for entrepreneurs

This will sound pompous, but Tinkoff Business is currently one of the most advanced and progressive services, which, taking into account the most effective technologies is able to provide any entrepreneur with highly qualified and productive management financial means.

In case of registration in Tinkoff system the client receives the following benefits:

access to your personal account around the clock (access to mobile application and Internet banking);
conducting accounting and tax accounting at a professional level (accounting is carried out using modern software);
exercising complete control over the financial assets of the enterprise;
professional round-the-clock technical support, as well as support from a personal manager on all emerging issues (personal manager, although they change, it is very convenient, especially the chat);
reliable protection and confidentiality of each client.
+ ability to maintain tax accounting, sending tax reports, reminders about timely payment of taxes and fees.

The Tinkoff Business Personal Account is very logical and easy to learn - there are no heaps of bookmarks here, like one popular bank, everything is very clear and understandable.

For the system to fully operate, you need a personal computer, tablet or phone with an Internet connection. The operation of opening an account takes a minimum amount of time.

Intra-bank settlements in the Tinkoff Business system are carried out around the clock.

The advantages of the service include:

favorable rates (no payment for up to six months);
ability to configure the access level for personnel;
accrual on the account balance up to eight percent per annum;
free registration of a salary project with the production of bank cards;
implementation bank payments according to scanned documents.

Reliability Tinkoff Business

The Tinkoff Business system guarantees the most reliable system of protection and confidentiality for its clients. All service data is under constant protection of the best software, which guarantees the reliability of all transactions. banking operations.

The system also allows each user to customize different access levels for their staff, and all completed transactions must be constantly confirmed via SMS messages.

Reviews about Tinkoff Business: pros and cons

Clients consider the main advantages of the Tinkoff Business project to be:

high-quality operation of Internet banking and mobile application;
the most convenient cash settlement service;
technical support and the opportunity to consult with a personal manager (each client of the service is offered the use of a personal manager who can provide assistance in resolving any issue that arises);
Special offers, which are provided on an ongoing basis by the bank (marketing, assistance in attracting clients, automation of a business project, and so on);
convenient personal user account (in the user account you will have access to the following functionality: account balance, receipts, debiting funds, history of transactions, financial control, secure payments with informing the recipient about the payment, special chat with specialists technical support, the possibility of paying salaries to staff);
online accounting (24/7 access to professional accounting software, tax reporting, use of payment orders, automatic calculations and much more).

Working with Tinkov Business is a pleasure: relatively fast payments, convenient account analytics.

How do you withdraw cash and are there any limits?

Users of Tinkoff Bank can withdraw cash from any nearest ATM using a card. The daily amount that you can withdraw is limited to a threshold of one hundred thousand rubles. Commission fees for withdrawing funds are charged according to the selected tariff plan.

Tariffs Tinkoff business

Tariff Simple

“Simple” is perfect for entrepreneurs who have opened their own business recently and use their account on rare occasions. The cost of this tariff plan will be 490 rubles monthly. If there is no cash turnover during the month of use, then no fee will be charged accordingly. This tariff is suitable for limited liability companies, individual entrepreneurs and other forms of ownership.

Important information: For individual entrepreneurs who have recently opened, there will be no fee for using the tariff for the first six months.

Also, the first three external money transfers made within the system will be absolutely free, and for subsequent transactions a commission of 49 rubles will be charged. Internal money transfers banking system and payment of taxes are free of charge.

Tariff Advanced

“Advanced” is more suitable for entrepreneurs who have substantial cash savings. The cost of this tariff plan will be 990 rubles monthly. Depositing 100 thousand rubles monthly is free, but for depositing amounts exceeding this, a commission of 0.25 percent will be calculated.

The first ten external payments are absolutely free, and for the next you will have to pay 29 rubles.

Also, an important advantage for owners of the “Advanced” tariff plan is the ability to purchase a subscription, which will allow you to make an unlimited number of banking transactions and receive free bank cards.

Tariff Professional

“Professional” is highly recommended for businessmen with a large and stable financial structure. The cost of this tariff plan will cost 4990 rubles monthly. However, all major operations will be much cheaper. The balance of your funds is accrued up to eight percent per annum.

Which tariff is better to choose?

You must choose a tariff plan in accordance with the state of affairs of your business, capabilities and needs. For example, a novice entrepreneur should never purchase the “Professional” tariff plan. At the same time, the “Simple” tariff simply will not be enough for large businessmen. Therefore, it is recommended to choose a tariff plan for yourself in accordance with your capabilities and preferences.

How to open a current account with Tinkoff Business: instructions

To open your own current account in the Tinkoff Business system, you need to complete the following steps:

Register a limited liability company or individual entrepreneur;
Fill out an application:
1. go to the official website of the service - link ;
2. fill out the necessary forms;
3. expect a call from support to clarify your details.;
Send all necessary copies of your documents (passport, TIN, extracts, etc.);
Wait for the results of checking your documents, as well as a second call from the site support service;
Meet with the bank manager at a time convenient for you and sign an agreement;
Get your current account number;
Log in to the user's personal account using your login and password, which will be sent by SMS to your phone number.

Full activation of your current account will occur the moment you log into your user account. After this, you will be able to enjoy all the functionality of the Tinkoff Business service.