In the 21st century, someone is afraid of ecosystems, someone hates them, someone worships them. Everyone will have to make a choice himself whether he is ready to sacrifice safety for the sake of convenience, putting all his eggs in one basket. I have been using Tinkoff for several years now. I started with an account for individual entrepreneurs, as an android developer, tried many services for individuals ... And I would like to talk about how the bank itself does not allow itself to be loved. Well, seriously, the house is 31 degrees - it's simply impossible to work, why not make Habr happy with another personal experience?
IP revelations, a drop of love, very realistic dialogues and a few pictures under the cut ...
SP. Introduction
My story begins in the summer of 2019. Evil tongues will notice that in June of that year I was on the black list of Sberbank, but in fact, I just read a wonderful article on taxation for android developers and decided to apply for an IP. At that time, Tinkoff bribed as a bank with a large number of positive reviews on working with foreign economic activity and the lowest commissions at my planned turnover. Tochka was a serious competitor, but it did not offer a service for individuals.
Purely formally, an individual entrepreneur is allowed to use a "business" account to pay for personal purchases, but then you will lose cashbacks and other promotions for physicists; but get a chance of a showdown with the tax office.
It makes no sense to tell that Tinkoff himself submits all the documents for registration for you, and all contracts are brought by a courier. Now, everyone does it. I will just note that in any material about registering your business they write "Do not indicate your real phone number - it will be flooded with spam calls." Do not repeat my mistake, do not think that this is nonsense - YOU WILL BE REALLY REMEMBERED. Indicate the number on the left if you do not want to get up at seven in the morning for another week. Moreover, it is not the "banks" themselves who call, but their "partners" - therefore, very funny dialogues can come out:
Hereinafter, all dialogues are reproduced through the prism of my memory.
- Hello! I found out that you registered an individual entrepreneur, let's get you an account with Sberbank. This is the largest bank in Russia and we know how to do business with small businesses.
- HELLO! I'M SO HAPPY! ARE YOU EXACTLY EXACTLY FROM Sberbank ?!
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