Tochka Bank is a free checking account for LLCs and individual entrepreneurs. Tochka Bank - a free current account for LLC and individual entrepreneurs Electronic services Tochka

How to open a current account at Tochka for an individual entrepreneur, LLC

Thanks to the high-tech service, in "Tochka Banke" account opening IP, LLC takes a minimum of time. The sequence of actions in both cases is the same, only the packages of documents differ.

Step-by-step instruction how to open an account through "Tochka Bank"

Click on the yellow highlighted button and follow the instructions:

Enter the phone number on the website. Submit your application.
Wait a bit - our employee will call you.
The bank will check your documents as quickly as possible - it will take up to several minutes. In this case, the invoice will be booked immediately. You will receive SMS and email notification.
Dear Entrepreneur! We have checked your application for opening an account at the Point. Your business is clean and beautiful in terms of law, financial monitoring and security. You are just great! Soon our manager will call you and tell you what to do next. Point Team 8 800 2000024
Make an appointment with an employee in a convenient place and at a convenient time. Give him the original documents and sign the contract.

Documents required by "Tochka" to open an account

To open an account for an LLC, you need to provide:

certified, valid charter of the organization with the latest changes;
decision, protocol on the appointment of the head;
personal data, TIN of participants whose share of the authorized capital exceeds 25%;
passport of the head, as well as other persons who can dispose of the funds of the organization;
if the organization is a JSC - the register of shareholders;
if the organization is older than 3 months - a copy of the financial statements, tax declaration or auditor's report for the annual report;
for licensed activities - licenses.

V "Tochka" opening an account for individual entrepreneurs requires collection of copies:

passports of the individual entrepreneur;
OGRNIP;

The bank employee will bring the application and questionnaire with him for you to fill out.

Settlement and cash services and other services

Opened in "Tochka Banke" online cash desk is not the only thing that will help your business grow.

We also offer acquiring, salary projects, foreign exchange transactions, internet banking and a mobile service application.

Acquiring

Would you like to accept payment not only in the old fashioned way in cash, but also bank cards? Then the proposed Tochka Bank acquiring.

The cost of the service is 2.3% of the annual turnover (or 975 rubles per month). Choose a portable or fixed terminal. It is not necessary to buy it. You can rent the device for a year - after that it will become your property.

The service allows online stores to accept payments remotely. The commission is only 3.5%.

Finally, offered in bank "Tochka" acquiring rates for mobile devices. For only 3490 rubles you will receive the LifePay app and card reader. This kit will turn your smartphone or tablet into a payment terminal with a commission of only 2.7%. Your customers will receive checks by email.

Salary projects

Pay salaries to your employees on Tochka cards (commission is only 0.55%) or Rocketbank (free of charge). The bank will produce and deliver salary cards also free of charge.

Money is credited within 5 minutes. You can remove them free of charge at any ATM.

Foreign exchange transactions

Do you cooperate with foreign partners? You do not have to meet separately with the manager and collect documents. You can through Tochka bank open a special account for the currency based on the existing settlement.

Exchange rates updated in real time.
Conversion commission (spread) - only 30 kopecks.

Through the Internet Bank, you can download and print the passport of the transaction with a blue seal for government agencies.

Want to save time? Order the services of a personal assistant. He will draw up paperwork, conduct an examination of the transaction, transfer money in the required currency, print out the transaction passport.

A personal assistant is not a controller. Therefore, if he discovers mistakes made during the preparation of the deal, he will inform you about it and help you fix them.

Transfer in euros or US dollars - $ 25-30
Transfer in Chinese yuan - $ 20.
Currency control - only 0.12-0.15% of the transfer amount (from 350 rubles).
Personal assistant services - 0.2–0.3% of the transaction amount (from 700 rubles).

Internet banking

Since we are an internet bank operating without an office system, remote service plays a key role.

Proposed in "Tochka Banke" Internet bank, personal account for the client - accessible, simple, mastered in a couple of minutes.

Mobile app

Would you like to generate payment orders based on your account photo? V "Tochka Banke" personal account for legal entities - it is also a mobile application. Take a photo of the document with a smartphone camera - and the payment is ready.

There are versions of the application for Android, iOS, Windows.

Internet banking- a set of tools for managing bank accounts via the Internet. Ideologically, Internet banking can be carried out both through a "thin client" (no additional software is installed on the user's side, operating pages are processed by a regular Internet browser), and through a "thick client" (requiring the installation of special software on the user's computer that displays information, transfer of commands to the bank and encryption of all transmitted content). In most cases, private clients do not need to install additional programs, so the client is not tied to a specific operating system and can use both a PC-compatible computer and a MAC or all kinds of portable devices (phones, communicators, tablets). Transactions are made through the website of the bank itself, which can be accessed using a standard Internet browser (Microsoft Internet Explorer, Mozilla FireFox, etc.). For clients - legal entities Traditionally, a bank offers a "fat client" - it provides special software (client-bank) for conducting transactions via the Internet, which is installed on the organization's computer.

Confirmation of remotely transmitted transactions is made (depending on the bank's capabilities and user preferences) with an electronic digital signature, a one-time password (from a table or a card of variable codes or from a password generator, a message received by SMS), a special payment password or "PIN2" in the terminology of some banks.

Tariffs for Bank operations(transfer from account to account with another bank, conversion, payment for services, etc.) in the Internet Bank, as a rule, is lower than in a regular bank branch. This is due to the fact that the client, in fact, plays the role of an operator himself, and the website serves as a banking unit for him.

In Alfa-Bank, for an operation to transfer money via the Internet to an account in another bank, they will take 0.3% of the amount (minimum 20 rubles maximum 150 rubles), while in a regular branch the tariff will be 1.4% (minimum 169 rubles, maximum 1,690). Often, for common operations in the Internet bank, they charge a fixed and, rather, a symbolic amount. So "Avangard" and the Bank of Moscow for transferring money to an account in another credit institution will withdraw 10 rubles, and Bank24.ru - 15 rubles.

Usually, the bank sets the lowest tariffs at the time of the launch of the Internet banking service. For this reason, clients quite often change Internet banks - in pursuit of the lowest commissions for the banking operation they are interested in at the moment.

Account management via the Internet (due to low fees) is considered the cheapest, but if you follow all the requirements of security experts, the client will need to have a separate computer used only to connect to the Internet banking website. This makes online transactions not nearly as profitable as it is commonly believed. In addition, the bank (in a rare case) may charge a subscription fee for the Internet banking service itself; at VTB 24, in particular, it is 300 rubles a year.

Due to the failure of customers to comply with all the numerous security recommendations (which the bank usually lists in a special memo issued to the user when signing an agreement on connecting to the Internet banking service), there are frequent cases of fraud with bank accounts that are managed via the Internet.

The invoice is drawn up completely online, a bank manager will come to you to sign the contract
You will receive the account details immediately after completing the application.
Internet banking allows you to automatically transfer information from other banks, it is compatible with popular Internet accounting departments
You can work with several accounts at once through one Internet bank - confirmation of entry is made via SMS
When registering an invoice, the bank will issue a free corporate card for convenient replenishment invoices and payments for business needs
The bank will refund the cost of a month of service in case of problems on its part - for example, due to blocking of an account or failure to meet the deadline for the transaction
The All the best tariff immediately has 2% cashback for tax payments
Bank service is inexpensive, while all the necessary services are available to customers

To all new clients, when opening an account, Tochka offers:

50 000 rubles for promotion in social networks in myTarget
RUB 10,000 for promotion in Yandex.Direct
A discount of 5,000 rubles for registering a trademark with Rospatent
35% discount on communication for business from Yota
85% discount on the MINI-MBA Intensive Online Professional Course from City Business School
6 months of free use of the Nethouse website builder

Bank advantages for individual entrepreneurs

If you have not yet registered an individual entrepreneur, the bank will help you prepare documents and submit them to tax office
A tariff is available with free transfers to individuals and legal entities
For individual entrepreneurs without employees on the STS, PSN and UTII, built-in Internet accounting is available - up to 4,500 rubles per year
The bank does not charge a service fee in the absence of turnovers on the account
For small individual entrepreneurs, a tariff with fully free service, payments and cash withdrawals
The bank will remind you of paying taxes and filing declarations

Bank advantages for LLC

Three months of free service are immediately available on the All the best tariff
Fast and stable Internet bank, compatible with accounting services - 1C, Moi Delo, Kontur.Elboy and others
Free foreign exchange accounts and low fees currency control
Various types of acquiring and assistance in creating a loyalty program
Bank guarantees for participation in purchases under 44-FZ and 223-FZ with fast processing
Assistance in obtaining a license to sell alcohol

Now there are special conditions transfers to self-employed - the bank does not charge a commission for transferring funds to the account of a self-employed individual. This condition is valid for all CSC tariffs. To make a payment without commission, indicate the beneficiary's account number and tick the appropriate box when filling out the payment. This option does not work for auto payments.

Free transfers to self-employed have been launched as an experiment that will run until February 29, 2020. If the experiment is successful, then this condition will become permanent.

Bank Tariffs Tochka

Service	Required minimum	Golden mean	All the best at once
Account number reservation, account opening and Internet bank connection	Is free
Departure of the manager to open an account, certification of documents and notification of government agencies about opening an account	Is free
Translations individuals(IP)	Is free	Up to 200,000 rubles - 60 rubles Up to 1,000,000 rubles - 3% plus 60 rubles From 1,000,000 rubles - 8% plus 60 rubles	Up to 500,000 rubles - 15 rubles Up to 1,500,000 rubles - 3% plus 15 rubles From 1,500,000 rubles - 8% plus 15 rubles
Transfers to individuals (LLC)	Is free	Up to 100,000 rubles - 60 rubles Up to 600,000 rubles - 3% plus 60 rubles From 600,000 rubles - 8% plus 60 rubles	Up to 300,000 rubles - 15 rubles Up to 1,000,000 rubles - 3% plus 15 rubles From 1,000,000 rubles - 8% plus 15 rubles
Payments to legal entities	Is free	10 payments - free, then - 60 rubles per payment	100 payments - free, then - 15 rubles per payment
Tax payments	Is free		Free, 2% cashback is valid, but not more than 3000 rubles
Replenishment	Up to 300,000 - commission 1%, up to 800,000 rubles - commission 3%, from 800,000 rubles - commission 8%	Up to 1,000,000 rubles - commission 0.2%, from 1,000,000 rubles - commission 0.4%	Up to 1,000,000 rubles - free of charge, from 1,000,000 rubles - commission 0.4%
Cash withdrawal	Is free	Up to 50,000 rubles - 1.5% of the amount, from 50,001 rubles - 3% of the amount, from 400,000 rubles - 6% of the amount	Up to 100,000 rubles - free of charge, from 100,001 to 800,000 rubles - 3% of the amount, at least 100 rubles, from 800,001 rubles - 6% of the amount, at least 100 rubles
Issuance of certificates and documents	In electronic form - free of charge In paper form - 1000 rubles for delivery within Russia, 5000 rubles for delivery around the world		In electronic form - free of charge
Merchant acquiring	Commission - 2.3% of turnover		Free connection, terminal cost - from 12,000 rubles Commission - 1.3% of the turnover up to 200,000 rubles, then - 1.8%
Currency operations	$ 30 for a transfer in dollars or euros Spread - 30 kopecks 0.15% of the transfer amount over - 0.15% of the amount, but not less than 350 rubles Foreign Economic Activity Assistant - 0.3%, from 700 to 20,000 rubles		$ 25 for a transfer in dollars or euros Spread - 20 kopecks 0.12% of the transfer amount or receipts, but not less than 350 rubles and no more than 9500 rubles For incoming payments in rubles: Up to 20,000 rubles - free of charge, Up to 150,000 rubles - 350 rubles per month, over - 0.12% of the amount, but not less than 350 rubles Foreign Economic Activity Assistant - 0.2%, from 700 to 15,000 rubles
Free Rocketbank cards Payment of salaries to Rocketbank cards - no commission Payment of salary to other cards - commission 0.55%
SMS notifications	90 rubles per month for each issue In-app push notifications - free		For the first issue - free of charge, for each subsequent issue - 90 rubles Codes for entering the bank and confirming transactions - free App push notifications - free
Corporate cards	Is free
Tariff change	Is free
Service cost per month	Is free	500 rubles per month	The first three months - 500 rubles per month, then - 2,500 rubles

Opening a current account in Tochka

We leave our phone number in a special form.

While we are waiting for the manager's call, you can download the photos of the OGRNIP and the main pages of the passport necessary for opening an account.

When registering an account, you can choose which bank - Qiwi or Opening - you want to open an account on. From January 2018, due to technical reasons, it is possible to open an account only on the basis of Qiwi.

3. Conversation with the manager

Within 30 minutes I was called back by the manager of the Point. I asked about the form of business, the taxation system and, to speed up the registration procedure, passport data, TIN and data of the new individual entrepreneur - OGRNIP and the date of registration.

After a while, an SMS came from the bank that the application was accepted.

4. Letter with requisites

The next day, a letter came to E-Mail with the details of the booked account.

5. Visit to the office

On the same day, the Tochka employee called me and made an appointment in 30 minutes. I received the documents in an interesting package - a tube. The staff member was prompt and polite.

Required documents

If you are an individual entrepreneur, then in order to open a current account at a Point, you will need:

Entrepreneur's passport
SNILS of the entrepreneur (if any)
Registration documents (in the absence of information in the USRIP):
- Certificate of state registration, if the individual entrepreneur was registered before January 1, 2017
- Extract or record sheet from EGRIP
For lawyers - a document on entry into the register of lawyers and the establishment of a lawyer's office
For notaries - a document confirming authority
For persons conducting private practice - a certificate of registration with the tax authority

The legal entity, in turn, is obliged to prepare the following documents:

Charter in the current edition with change sheets (if any)
Decision or protocol on the election or extension of the powers of the head
Information about the founders with a share in the authorized capital of more than 25%:
- Passport data
- Citizenship
- Date and place of birth
- TIN (if any)
- Information on belonging to a public official
- Residence address
The same information - if there are several independent managers for each of them
Manager's passport
Passports of persons entitled to dispose of money (if any)
SNILS of the head (if any)
Licenses or patents (if any)
Memorandum of Association (if any)
Registration documents (in the absence of information in the Unified State Register of Legal Entities):
- Certificate of state registration, if the company was registered before January 1, 2017
- Certificate of registration with the tax authority
- Extract or record sheet from the Unified State Register of Legal Entities
Financial position document (if more than three months have passed since registration):
- Copy of annual financial statements
- Copy of annual or quarterly tax return
- Copy of the auditor's report for the annual report
- Certificate of payment of taxes and fees from the tax authority
Separate subdivision documents (if any):
- Regulations on a separate subdivision
- Power of attorney on behalf of the company to the head of a separate division
- Document on the resolution of the division to register with the tax authority
- Department head passport
Review from the credit institution in which you were previously served (optional)

You will learn how to enter your personal account on the official website of the Tochka online. Detailed instructions for easy and quick access to tochka.com with screenshots and video instructions. Visual Recovery Guide forgotten password to the personal account of the bank. We provide only the most up-to-date information.

About the bank

A hotspot is an interbank service that offers services for entrepreneurs. Founded in 2015 on the initiative of FC Otkritie. Members of the team of the bank for business Bank24.ru, which lost its license in 2014, took part in the work on the Tochka. In 2017, Otkritie agreed with Kiwi Bank to create the first interbank project in Russia and in the world, of which Tochka became a part. The reorganization of the Opening, which took place in the same year, did not prevent the conclusion of the deal.

Now almost half of the Point belongs to Otkrytie, another 40% belongs to QIWI. For its work, Tochka uses the processing capacities of two banks and its own developments for the management of banking products. The bank does not have its own branch network - interaction with clients is carried out according to a remote scheme. Tochka also does not have its own license - it operates under the licenses of Discovery (No. of November 24, 2014) and Kiwi (No. of January 22, 2015).

The point specializes exclusively in services for small and medium-sized businesses. It offers its clients cash settlement services, deposits, acquiring, corporate and salary cards, currency control and various services from their partners. The bank's services are available to both individual entrepreneurs and legal entities. Salary clients are served with Home Credit or Rocketbank, another Qiwi-based banking service.

Bank services Tochka

Despite the unusual principle of work and focus on small businesses, Tochka offers entrepreneurs all the services they demanded. Among them - different kinds acquiring, salary project, support of foreign exchange transactions and many others. Let's take a closer look at the most popular services.

If you have not yet registered your business, then you can contact the Point for help. Here you will be helped to prepare Required documents and submit them to the tax office. The whole process takes place completely online.

You will only need to pay for the service (2,000 rubles) and the state fee (800) rubles. After that, upload scanned copies of the necessary documents to the website:

Passports
SNILS
Receipts for payment of state duty

Tochka's specialists will check the documents, offer to sign a service agreement, help you choose the OKVED activity codes and send an application for registration of an individual entrepreneur to the tax office. In seven days you will receive a notification of the results of registration and an extract from the USRIP. Also, you will open a current account at the "Golden mean" tariff.

For those who plan to accept non-cash payments, the bank offers merchant, mobile and Internet acquiring.

Trade acquiring is issued online, the bank will deliver the terminals for it itself. The service is connected free of charge, the devices are purchased as property with payment in a lump sum or by installments. The outlet offers its customers modern models of terminals for stationary and mobile retail outlets. Bank customers can get a Megafon SIM card with a special Internet tariff for acquiring - the bank will pay for it itself.

At the Point, you can apply for a loan against the turnover of merchant acquiring. It can be received by any clients with an acquiring turnover of 40,000 rubles per month. The amount of such a loan is up to 1,000,000 rubles, it is issued for replenishment working capital term up to 12 months. Debt is written off automatically due to the proceeds from acquiring.

Mobile acquiring allows you to accept payments using a terminal connected to a smartphone or tablet. This option will be most convenient for mobile retail outlets, couriers or taxis. The mobile terminal is inexpensive, takes up little space and accepts cards from international payment systems. It can be connected to any iOS or Android tablet or smartphone.

Internet acquiring for Point customers is provided by the bank's partner - Yandex.Checkout. This service allows you to accept payments on the Internet in various ways - from bank cards to cash in payment terminals. Yandex.Checkout does not charge an acquiring fee - it is already included in the commission. There is no need to open a separate account - Yandex.Checkout stably interacts with any accounts, including in the Point.

The payment module can be installed on websites or mobile applications. A billing service is available to send a payment form by email or SMS. Auto payments and money retention work until the purchase is successfully completed.

Acquiring tariffs

Conditions and rates	Merchant acquiring
Available payment methods	Visa, MasterCard, MIR (including contactless), Apple Pay, Samsung Pay, Google Pay	Visa, MasterCard (including contactless)	Visa, MasterCard, Maestro, WORLD Apple Pay, Google Pay QIWI, Webmpney, Yandex.Money Payment terminals Phone balance (MTS, Beeline, Megafon, Tele2)
Connection cost	Is free The cost of terminals - from 12,000 rubles (at a time or in installments)	Is free Terminal cost - 8 490 rubles	Is free
Acquiring fee	Up to 2.3% of turnover depending on the tariff	Up to 2.5% of turnover	From 2.8% of turnover depending on the method of payment and field of activity
Money transfer time	During the day Enrollment within 2 hours after reconciliation - 500 rubles per month

From January 28 to February 29, 2020, there is a special offer for new customers in the Point - the bank allows you to connect acquiring with a reduced rate of 1.62%. To do this, you need to open an account at the tariff "Golden mean" or "All the best at once", and indicate when connecting acquiring one of the MCC codes - 5411 (supermarkets), 5812 (catering establishments, restaurants) or 5813 (bars, nightclubs) ... The reduced rate will be in effect continuously until the client changes the MCC code.

Entrepreneurs who want to pay wages to their employees in a non-cash way, a salary project in Tochka is available. Like other services, it is issued online - information about employees can be transferred through a field specialist. The salary is transferred instantly - the Point automatically generates payments and deducts taxes. You can manage a salary project through the Internet bank or online accounting.

As part of the salary project, Tochka issues cards in two partner banks - Rocketbank and Home Credit. In both cases, cards are issued and serviced completely free of charge. There is no fee for transferring money.

The Rocketbank card offers its holder:

Free issue and service from 0 rubles
Delivery within 1-2 weeks depending on the city
Up to 5.5% per annum on the balance
Cashback with bonuses up to 10% in selected stores
Up to 10 free cash withdrawals at any ATM
Card-to-card transfers without commission
Card management - only through the mobile offer for iOS, Android and Windows Phone

Home Credit Card, in turn, offers

Free service when transferring salaries from 20,000 rubles
Cash withdrawal at any ATM without commission
Up to 7.5% per annum on the account balance
Cashback bonuses up to 10% in selected categories
Apple Pay and Samsung Pay support
Free replenishment from cards of any banks

If the employee wants to keep his card, you can transfer the salary to it. In this case, a commission of 0.55% will be charged. At the same time, the employee becomes a salary client of his bank and can receive all the benefits assigned to this status.

The point offers various services to individual entrepreneurs and companies that plan to conduct foreign economic activity. They include foreign exchange accounts, currency exchange and support for foreign exchange transactions.

A foreign currency account is opened instantly if there is a ruble account - you do not need to provide additional documents and conclude contracts. It can be opened in US dollars or euros. Currency exchange is carried out at the internal rate of the Point, the spread is fixed and does not depend on the amount or rate.

The bank has ready-made solutions for cooperation with popular foreign companies - Apple, Facebook, Uber and others. The point will help you conclude an offer and quickly process any payments. Additional documents, including translations, are not required for this.

The bank has a well-organized currency control. To pass it, it is enough to upload to the bank a document confirming the fact of the transaction - an agreement, contract, invoice or other. The Point will carry out all other operations by itself. Personal managers work with clients, who are ready to answer any incomprehensible questions.

Tariffs for services for foreign economic activity

Rate	Required minimum	Golden mean	All the best at once
Opening foreign currency accounts	Is free
Foreign currency transfers	30 dollars		20 dollars
Currency exchange fee
	0.15%, at least 350 rubles of the transfer amount		0.12%, minimum 350 rubles and maximum 9,500 rubles of the transfer amount
Currency control for incoming payments in rubles	Up to 20,000 rubles - free Up to 150,000 rubles per month From 150,000 rubles - commission 0.15%, at least 350 rubles		Up to 20,000 rubles - free Up to 150,000 rubles per month From 150,000 rubles - commission 0.12%, at least 350 rubles
Withdrawing currency from an account to a Rocketbank card	Is free	Up to 200,000 rubles - free From 200,000 rubles - commission 1.5%, at least 100 rubles	Up to 500,000 rubles - free From 500,000 rubles - commission 1.5%, at least 100 rubles
Consulting	0.3% of the operation, minimum 700 rubles, maximum 20,000 rubles		0.2% of the operation, minimum 700 rubles, maximum 15,000 rubles

Electronic services Points

Work with the current account of the Point and bank services for business is carried out through remote services - Internet banking and a mobile application. The point takes care of their functionality and reliability. Further, you will learn more about the bank's online services.

The main interaction with the Point's services takes place via the Internet Bank. Therefore, the bank tries to make it as fast, convenient and understandable as possible.

To enter the Internet bank, you need a username and password, which the user sets in the process of registering an account. All transactions are confirmed via SMS, without USB tokens and key generators.

V personal account you can manage payments, set limits for corporate cards, monitor the proceeds from acquiring. Using it, you can quickly connect any services of the Point and its partners. The bank automatically notifies you about all transactions and counterparties about successful payments.

The Internet Banking service has a built-in accounting for individual entrepreneurs on the simplified tax system, UTII and patent without employees. With it, you can calculate taxes and contributions, fill out and submit reports, monitor the payment of contributions and exchange documents with the tax office. Online accounting costs, depending on the taxation system, up to 4,500 rubles per year. Other clients can set up the integration of Internet banking with popular accounting services - 1C, Kontur.Elboy, Moi Delo or Button.

The Point's mobile application is designed for more convenient and efficient control of payments. It is available for iOS and Android devices.

V mobile application you can monitor the account balance, accept and send payments, manage the corporate card settings. There is an online chat to communicate with the bank's support. The application has a built-in service for checking counterparties and an ATM card for replenishing or withdrawing money from an account.

Using the application, you can quickly generate payment orders - just take a photo of the account, after which the bank will fill in the necessary details. You can also download an invoice file from email or device memory. In a similar way, you can send payments between your accounts, counterparties and budgetary organizations.