How to open a business bank account for IP
Comparing the main Russian banks for an IP streamer and the algorithm to open an account in one day - online, no office visit.
What you'll need
- Registered IP (EGRIP entry sheet)
- Russian internal passport
- Smartphone for SMS / push confirmation
Why you need a business account
Compare the tariffs
Top-5 banks for an IP streamer (current as of 2026):
| Bank | Opening fee | "0" tariff | Free payout to personal card |
|---|---|---|---|
| T-Bank | free | yes | up to 400k/mo 0% |
| Tochka | free | yes | up to 500k/mo 0% |
| Sber | free | yes | up to 150k/mo 0% |
| Alfa | free | yes | up to 300k/mo 0% |
| VTB | free | yes | up to 200k/mo 0% |
Submit an online application
On the bank's site - Open IP account. Enter your INN (the bank pulls EGRIP data automatically), phone, email.
Account opening form on the bank site - INN and contact fields
Wait for a call / courier
The bank contacts you within 24h. Onboarding paths:
- **Courier** (T-Bank, Tochka, Alfa) - comes with documents to sign
- **Video verification** (Tochka) - 15-minute video call
- **Office visit** (Sber, VTB) - if you have a convenient branch
Sign the contract
Standard package: cash-settlement servicing contract, signature sample card, online-banking enrollment form. Read the tariffs carefully - confirm you picked the "0" tariff if you expected free servicing.
Activate the account
The account is live within an hour of signing. You receive a requisites statement by email and in the bank app: account number, BIC, correspondent account, bank INN and KPP. Needed for YooKassa.
Bank email with the account requisites PDF
Get the business card
A card (physical or virtual) tied to the IP account - convenient for operating expenses. Cash withdrawals cost more than on a personal card. Available right after account activation.
On paying yourself