What do you need to open an English school. Each of the proposed options has its own advantages. Business plan for opening a school of foreign languages

English today is not taught only by the lazy. And, despite the variety of online and offline courses, demand exceeds supply. About, how to open English courses, read our article.

Why English courses?

English is popular. You can't argue with that. Knowledge of English language- a springboard for a career, the ability to quickly learn news from primary sources, a chance to independently travel the world. It is easier for a candidate with good English to find a job, and his salary expectations are 20-30% higher. Other languages ​​are much less in demand and more often perceived only as an addition to English.

More and more job descriptions include such wording: “English is not lower than the level of Upper-Intermediate (sometimes higher) is a must, knowledge of other languages ​​is an advantage.”

Everyone today learns the language of Shakespeare and Byron: from three-year-olds to kindergarten to top managers large companies. But learning is not always successful. People attend English classes for years, learn the language at school, at the university, in courses, but do not read, do not understand, do not speak a foreign language. But they do not lose hope and try new forms, methods, approaches. There is room for improvement in this niche.

Legal formalities

No matter how good the business idea of ​​online English courses is, no matter how incredible the product you come up with, you will have to break away from creative activity for a while and settle all organizational and legal formalities. But it's not that hard. Every year the registration procedure becomes easier and faster. Now there is even no need to go to the tax office.

1. How to open English courses without a license

When starting a business, we strive to deal with paperwork quickly and without unnecessary investments. And obtaining a license means numerous documents, formalities, contacts with government agencies. And after obtaining a license, your company will be periodically checked for compliance with the requirements of the license.

In the case of online English courses, a license is not required. If you plan to teach yourself, and you have the appropriate education (English teacher diploma), you can simply register an individual entrepreneur and work without a license. Decide to scale the business and hire other teachers, get a license. But if the teachers are called consultants or methodologists, a license is also not needed. You will also not need a license if you work with other self-employed educators.

2. Register IP

Consider the most affordable way launching an online school of English - register an individual entrepreneur.

You can act on your own. In any case, you need to pay the state duty (800 rubles). No time to register? There are different submission options:

1. Contact an intermediary company, paying an average of 5,000 rubles.

2. Entrust the registration to the bank in which you will open a current account (Point, Promsvyazbank ...). Everything can be processed, at home - leave an application and wait for a prompt specialist (today or the next day). Registration of IP will not cost you a single ruble, and the price of annual maintenance depends on the service package.

3. Ask a friend or relative to take the documents. But they will be accepted only if the notary first certifies the signature.

Ready to do it all yourself? Use the algorithm:

Step 1. Select the OKVED code ( of the all-Russian classifier types of economic activity).

For English courses, OKVED 85.42.9 is suitable - activities for additional professional education other, not included in other groups.

Step 2. Fill out an application.

It's easier to do it on electronic service, for example, on this one. So you insure against mistakes.
Attention! Print the application on one side of the paper.

Step 3. Choose an appropriate taxation system.

1. OSNO - general (or main) system of taxation. This system is applied by default and implies the payment of all taxes: VAT, personal income tax, property tax.
2. PSN - patent taxation system. This system is convenient to test the new kind business. An entrepreneur acquires a patent for a certain activity for a period of 1 to 12 months, therefore he does not submit a declaration, does not deduct contributions for employees in social insurance, only to a pension fund and health insurance. The cost of a patent is calculated individually, depending on the type of activity and region. A patent is paid immediately upon registration, its cost is the tax, only paid in advance.
3. STS - a simplified taxation system (popularly called simplified taxation. It is the most popular among small businesses. It is characterized by a low tax rate and ease of reporting.

Simplification has 2 varieties:
USN Income. The tax rate is 6% on the entire amount of income (all receipts to the account). Regions have the authority to reduce the rate to 1%.
USN Income minus expenses. The tax rate is 15% (on the difference between income and expenses). Regions can reduce the tax rate to 5%.

Attention! Application to switch to simplified or patent system, not submitted at registration or within 30 days after it. If you don't have time, you'll have to wait next year. You can fill out an application online.

Step 4. Submit documents for registration of IP.

You can do this in the following ways:
Come to the IFTS and pay 800 rubles (state duty).
Come to the MFC and also pay the state duty.
Send by mail, having previously certified the signature by a notary. The cost will be the same 800 rubles + 500 rubles (notary services) + postage.
Through a trustee (with certification of the signature by a notary). You will have to pay 800 rubles (state duty) + 500 rubles (notary).
Through online service IFNS using electronic signature. The signature will cost 3,000 rubles + the standard 800 rubles.

Don't forget to bring the following documents:
Russian passport.
Statement of state registration IP.
Receipt for payment of state duty.
Application for the transition to a preferential taxation system (if you decide to switch).

You may also be asked to:
TIN and its photocopy.
Passport copy.

Attention! In the case of personal submission of documents to the Federal Tax Service Inspectorate or the MFC, you should be issued a receipt for receipt of documents.

Step 5. Get documents.

They will be ready in 3 days. You will be given:
Extract from the unified state register of individual entrepreneurs.
Notice of registration individual at the tax authority.
Notification of the assignment of statistics codes from Rosstat. Sometimes it needs to be ordered additionally.

Step 6. Register with the pension fund.

Sometimes this is done automatically when registering an IP.

Step 7. Choose how to keep accounts.

There are different options:
Hire an accountant or use an accounting firm. It is not cheap.
Do your own bookkeeping.
No one needs to pay, but you have to spend time.
Use online accounting (tariffs up to 500 rubles per month), for example,
Use the services of the bank where you open a current account (the cost is included in the service tariff).

Step 8. Open a bank account.

Step 9. Make a print.

We are planning cooperation

Online English courses are more often opened by experienced teachers who no longer want to be limited to the walls of one educational institution or classes with several private students. They are ready to apply their own methods to work with a wider audience. However, there are exceptions, and very successful ones.


The largest and fastest growing in the CIS and Eastern Europe online school English language SkyEng with a profitability of more than $ 1 million per month was created in 2012 by a team of graduates of the Physics and Technology Institute. SkyEng co-founder and CEO Georgy Solovyov, as a student, faced a shortage of affordable English lessons. He needed to raise the level of English in a year in order to go on an internship in a European country. The services of Moscow tutors were too expensive for a student from the provinces. As a result, George went on vacation to native city, started studying with a tutor there, continued his studies via Skype, and then found a native speaker girl on the Internet, with whom he began to train conversational skills. A year later, George went on an internship. Even then, he had the idea to create an online school. From the very beginning, hired teachers worked at SkyEng.

Himself an expert and producer

An expert rarely possesses entrepreneurial abilities. He or she has experience, authority, charisma (not always) and a cool product (or the ability to make one), but building a company, promoting, organizing an online learning process and operating activities for an expert - a dark forest.

In order not to abandon the idea of ​​online courses and launch the project within a short time, the expert can either join forces with the producer, or find an assistant who will guide the expert through all the stages of creating an online school by the hand, teach producer tricks, and also help with promotion and launch . So« senior comrade» for … residents, the accelerator of online schools Accel has become, which from the first day immerses its wards in the process of creating a successful information business and quickly brings startups to payback and profit.

Search for experts and employees

If you are a producer who is going to open an online English language school, you need an expert (or several) who will take care of the content part (create a program, video tutorials and teaching materials) and teaching (will hold webinars, individual and group consultations, check homework…).

You can search for experts through friends, on the Internet, at networking events. Sometimes you have to talk to many experts to find the right one for you. But it's worth it - the success of online courses largely depends on this partnership.

At the SkyEng school, teachers go through a strict system of selection, control and dropout. The SkyEng recruiting funnel currently stands at 60,000 teachers. And 1,500 people (2.5%) work on a permanent basis.

To be continued…

To the question “how to open English language courses? » you can't answer in one post. We looked at the legal aspects of creating an online school, found out that it is quite legal to work without a license, and took a quick look at online courses English from the positions of a producer and an expert.

But these are only the first steps. To be successful in the information business, you need to carefully analyze the target audience, formulate a unique USP, from which our potential clients they just can’t refuse, choose the right platform and create a cool product. And then this product needs to be promoted, sold and received maximum profit. How to do this, we will tell in the following articles. Keep for updates.

The material was prepared by Sasha Galimova

Do you want to create your own online school, produce yourself or your expert? Register now for a free webinar and receive a PDF plan step by step creation your online school on this

No matter what anyone says, but knowledge foreign languages(English, French, German, etc.) is the cherished key to getting a prestigious, well-paid job, perhaps even abroad. That is why the school of foreign languages ​​is truly promising business idea, having correctly implemented it, you can, like the character of the famous Disney cartoon Scrooge McDuck, swim in gold! Well, perhaps the last phrase was an artistic exaggeration, but it’s really worth thinking about bringing this idea to life.

Step 1. Choosing the form of organization and registration with the tax

How to open a school of foreign languages? Start with a choice legal form. Beginners, as a rule, are limited to registration as an individual entrepreneur. This will allow you to teach students and hire staff, but you will not be able to issue certificates. And in work book there will be an inscription "specialist in foreign languages", but not "teacher".

In practice, it turns out that if there is a certain start-up capital and entrepreneurial spirit, it is much more profitable to register LEU. Of course, responsibility and all sorts of subtleties in this case there will be much more. However, you will receive a higher status and will be able to issue full-fledged certificates to your students.

In addition, the NOU has more chances to gain a foothold in the city, as experienced and qualified teachers will go to work in a reliable organization with a clear social package.

After that, you will need to register with the tax office. Depending on the chosen form of organization, this process can take from 5 days to 1 month.

Step 2. Obtaining a license for educational activities

This document is issued by the local education authority. In order to get it, you need to provide a certain set of documents (the full list is specified in the body itself). This may be documentation related to the premises, course instructors, their level of qualification, etc.

Step 3. Choosing a room

Be sure to decide where your language learning center will be located. Special search problems suitable place should not occur. You can buy or rent a room near major shopping centers, near various educational institutions(from kindergartens to universities).

If possible, try to avoid accommodation in sleeping areas. Also, find out if there are schools close to your direct competitors - a more popular and well-known organization will steal a fair amount of students from you.

Step 4. Buying furniture and equipment

When talking about how to open a foreign language school, be sure to consider this expense item. In principle, there are no special requirements here: you can learn a language even sitting on the floor. But to create a prestigious and credible image, you see, this is not enough. Stylish tables and chairs, bookcases, basic teaching aids (textbooks, workbooks) - all this you will need in the first place.

In addition, media materials should be present in each classroom. These include audio and video recordings, interactive language learning programs, etc. Ideally, you should install interactive whiteboards in the premises and purchase several laptops - progress is moving forward, new methods of learning are replacing traditional methods of learning.

As your business grows and develops (this can also be included in the business plan of a foreign language school), you can buy new teaching aids and equipment - interactive screens, projectors, etc.

Step 5. Search for teachers

The success that your foreign language school will have is 95% dependent on the quality of teaching. However, here you will have to sweat - a few talented and experienced teachers will decide to leave their homes for the sake of a new project.

First of all, you need to decide which languages ​​you want to teach. According to statistics, the most popular are English, Spanish and Italian. But German and French, oddly enough, have faded into the background in recent years.

You can search for employees both through acquaintances and through specialized sites related to job search.

It is important to keep in mind your target audience. So, for teaching children and adolescents, it is best to invite teachers who have worked at least a few years at the school. They know how to interest children, attract their attention and help consolidate new knowledge. But if we are talking about teaching a business language for students and adults, it would be more logical to choose as teachers those people who have lived for several years abroad.

Step 6. Recruitment of students

When thinking about how to open your own language school, try to prepare everything in such a way that you can start work in late summer or early autumn. It was at this time that classes began at schools and universities. And even adults who have long forgotten about such a thing as summer vacation will be more willing to go to get new knowledge when the unbearable heat subsides.

Step 7. Advertising

Of course, you have already imagined an audience full of enthusiastic students who are actively taking notes. new material and try to discuss in the language being mastered. When you are interested in how to open a foreign language school, be sure to think about how you will advertise your services. Indeed, without this, your potential customers simply will not know that you exist!

by the most effective way on the this moment is advertising on the Internet. Many underestimate her, but in vain. By creating your own website, you will be able to provide people with detailed information about each course and training conditions, talk about the teaching staff, the experience and achievements of each employee.

Teaching language skills is not only profitable and promising, but also a noble business. Foreign languages ​​can open the way to work in international organizations and to business with international markets. Different languages ​​may need to be taught the target audience: pupils and students; people who need languages ​​for work or business; those who are planning to move abroad. The work on the creation of such a school is preceded by a business plan for a school of foreign languages, an example of which we offer you below.

Rationale for the business plan

We plan to launch a business in a large regional center with a population of over 1 million people. At the moment, English is taught here by three large language schools, as well as several hundred private tutors and small courses. The market for these services in the city can be assessed as saturated, however, a control study of users of social networks and forums showed that there is a need for quality teaching of foreign languages. Among the main claims made by potential customers:

  • Low level of professional competence of private teachers.
  • Absence special offers type "English for business", which could cover the request of a certain part of the target audience.
  • Lack of well-equipped classrooms.

In order to take a stable place in the market, it is planned to create a premium language school aimed at entrepreneurs, managers and final grade students who plan to enter the leading universities in Russia, as well as Europe or China.

In connection with the definition of the target audience, the following risks and problem areas of the business plan arise:

  • There is a shortage of qualified teachers in the region who are able to offer the required level of services.
  • Insufficient number of target audience in the selected region.
  • Requires large initial investment.

In order to mitigate the first risk, it is planned to analyze in advance the market of private teachers in the city and select among them those who have the required competence, conduct a preliminary interview with them for cooperation.

To neutralize the second risk, it is supposed to study the need of the city's leading companies for corporate training of employees. It is not possible to assess the need for premium-class services of individuals - this is a significant disadvantage that can only be overcome through personal acquaintances of the founder of the school. In addition, it is planned to conduct online classes for students from other regions. However, no emphasis will be placed on it.

The third risk is planned to be solved by attracting co-financing from the investor for allocating him a share of future profits or by obtaining a bank loan.

If the risks are assessed as too significant, it is planned to reorient the project to provide services to the middle class.

Decor

In our case, a need for premium services was identified and an investor was found who is ready to allocate 50% of the required costs for starting a business. It is planned to allocate another 25% from own funds, and the remaining 25% to receive a loan under the guarantee of the investor.

For registration, the form of activity of LLC was chosen.

The USN taxation system of 15% is chosen, since the school will have significant costs for the salaries of teachers.

OKVED 85.41.9 “Additional education for children and adults, other not included in other groups, including teaching foreign languages” is selected for work.

According to the Regulation on Licensing Educational Activities (Government Decree No. 966), the language center requires the following documents:

  • Ownership or right to use the premises (lease).
  • Availability of developed and approved educational programs.
  • Availability of SES documents.

To obtain all the necessary documents, it is planned to use the services of a specialized licensing agency. For these purposes, it will be necessary to allocate 100 thousand rubles, including a state duty of 7.5 thousand rubles.

Personnel search

Since we have chosen the format of a premium language school, the best teachers are required. Since we will not work in Moscow, where the demand for other languages ​​is higher, but in regional center, the offer of a large number of languages ​​will be unprofitable. The greatest demand remains for English. In addition, there is a growing demand for Chinese, which is not satisfied by competitors, including in neighboring regions.

Thus, the basis of our school will be teachers of English and Chinese. We plan to start with two English teachers and one Chinese teacher. To increase the profitability of the use of the premises, non-staff teachers are invited in non-priority languages: French, German, Spanish - with payment for the hours actually worked.

The leading teacher of English is planned to be sent to specialized courses in Moscow for training. The contract includes a clause on compulsory working off in the company for 2 years or pay retraining costs.

The salary of teachers is planned at the level of 150% of the average for the region.

Premises for rent

For work, it is planned to rent a room in the city center. Here should be:

  • A room with superior furniture for classes with VIP-class clients (30 sq. m).
  • Two "standard" class rooms (20 sq. m each).
  • Reception (12 sqm).
  • Manager's office (10 sq. m).

Total area of ​​the premises: 92 sq. m.

Estimated cost of renting an office: 50 thousand rubles per month. It is supposed to pay rent for 3 months immediately. On the redecorating you will need to spend 150,000 rubles.

What is purchased Quantity Price
Comfort tables 8 48 000
Comfort chairs 8 35 000
Educational tables 16 48 000
Training chairs 16 32 000
Projector 3 120 000
Board interactive 3 180 000
Teacher's tables 3 12 000
Teacher's chairs 3 6 000
Notebook 5 135 000
Other furniture 50 000
Receptionist's desk 1 15 000
Office decoration 30 000
Office equipment (MFP, telephone, small electronics) 30 000
Miscellaneous 15 000
Total 756 000

In total, at launch, you will need 956,000 rubles.

Business promotion

Business promotion is planned to be carried out in two directions: offline and online.

Of the offline methods, it is planned to offer preferential terms for corporate training employees of local companies by 10% of the basic offer. For this, they send commercial offers and meetings are held with representatives of companies from a pre-prepared list.

Manufactured printed products and distributed to local universities and business centers.

For Internet promotion, a landing page is created, SEO promotion, targeting and contextual advertising campaigns are launched.

Cost calculation

On launch

According to the initial idea, of this amount, 1,035 thousand rubles are allocated by the investor, 535 thousand rubles from their own funds, and another 500 thousand rubles are taken on credit from a bank for 2 years at 15% per annum.

Under these conditions, the monthly payment will be 24,500 rubles (calculated using an online calculator for standard conditions, actual cost will vary).

Monthly

How much does the business bring

The tax base will be:

598,000 - 396,500 \u003d 201,500 rubles.

Subtract from it the cost of the UST and get: 201,500 - 62,100 = 139,400 rubles.

169,400 x 0.15 = 20,910 rubles will be the monthly tax.

The net profit will thus be:

201,500 - 20,910 = 180,600 rubles per month.

The profitability of the business will be:

(180,600 / 396,500) x 100 = 45.54%.

This indicator can be considered very successful for the first year of operation. However, to enter it, it is required to ensure the planned attendance. It should be noted that the occupancy of about 60% of the possibilities for using the current premises was taken as the calculated indicators. In the future, it is planned to increase the useful use of the premises up to 80% and thereby increase profits and profitability.

Based on the figure of 180,600 rubles per month, we calculate the payback of the business.

It is planned to direct 70% of the income to return on investment. The remaining 30% is directed to the development of the company, employee bonuses, additional costs that arise and dividends to two co-founders.

180,600 x 0.7 = 126,420 rubles per month will be used to return investments (loan expenses are not taken into account).

1 570 000 / 126 420 = 12,41.

Return on own investment is expected 13 months after launch. After that, within 3 months it is planned to fully repay the debt on the loan. Thus, the full payback of the business comes in 16 months.

Business Outlook

Further prospects for the development of the company depend on the size of the market in a particular region. In our case, it is planned to open two additional schools in other areas of the city, aimed at the middle class. The first school in the future will be completely transferred to serving VIP-category clients.

In addition, it is planned to form a franchise offer and bring the school to the market of other regions.

Eventually

Foreign language courses look like a promising line of business for big city. In cities with less than 300 thousand inhabitants, the demand for an institution of this kind is much lower. The premium class English school discussed above will be effective only in the regional center. In small towns, there is simply no target audience for which this business is oriented.

This business plan for a foreign language school with calculations shows that the main cost item and the main problem for a future entrepreneur in this direction will be the selection of qualified personnel. It is possible that you will have to pay extra for special training of teachers. This is not only a guarantee of quality education, it is a guarantor that must be issued to VIP-class clients in order to attract them to their school. In other words, you can’t just call your institution a premium school by simply putting tables and chairs there at twice the price of competitors. First of all, you must provide the required level of education. In this case, there will be no end to clients.

Another effective move would be an invitation to the position of a teacher of a native speaker. However, today the requirements for such specialists are much higher than before. They must not only have the required competence, but also speak Russian at a sufficiently high level. Please note that today such specialists must have a certificate of Russian language proficiency in order to work.

Perhaps this is all you need to know about starting this business. We wish you good luck and recommend that you get acquainted with other materials on our website. We also remind you that we present only average samples of business plans. Your business plan should be based on regional features and other individual nuances.

Schools of foreign languages ​​today are very popular. This is due to the fact that to get a decent and high paying job without knowledge of at least one foreign language is almost impossible.

For example, thanks to the knowledge of English, you can find a job in any country in the world, because it is international. The knowledge obtained in universities is usually not enough for free communication, so people strive to obtain a high level of knowledge and apply to such schools. And enterprising people are wondering how to open a school of foreign languages ​​in order to earn money on the craving for knowledge.

Where to start?

At the first stage, you need to decide on the form of registration and further develop only this direction. For example, if you register only as individual entrepreneur, then it will be possible to teach students, but it is not allowed to issue certificates of training. This may not suit everyone, and it is difficult to select the teaching staff.

Now you need to register tax office. Application processing time can be from 5 working days to 1 month . Only after obtaining permission can you go to territorial bodies education.

For them to issue permits for educational activities, you must provide all Required documents, from detailed information about the teaching staff, to the technical condition of the building in which the studying proccess. A more complete list of documents for opening a foreign language school needs to be clarified additionally.

Room rental issue

You also need to be careful about choosing a room. Be sure to take into account the location of the future school, because this is what can play into the hands and lure even more future students.

But do not save too much and focus on premises in sleeping areas. From the attracted audience there will be only residents of the same area, because it is much easier to find another school than to go to courses in the other end of the city. And this will not contribute to business development. It is also advisable to choose a place where your competitors will not be, because they can take a significant part of your potential students.

To begin with, it is recommended to rent some office space with a total area of ​​50 m 2 . Its cost can vary from 30 to 60 thousand rubles, depending on the city and region.

It is also worth paying attention to the general condition of the audience. In standard office premises, repairs are usually not required, but classrooms should be equipped school subjects in the form of a board and posters with a foreign grammar will have to. This will create a pleasant interior in which you can easily learn the chosen language with full immersion in the learning process.

To keep up with the times, you will also have to additionally buy a projector and an interactive whiteboard on which to show slides for fixing educational material. For the projector, you will additionally have to pay 80 thousand rubles.

If the start-up capital is small, you can consider hourly office space rental. This has been practiced for a long time and helps to save a little Money because you only have to pay for the time of the lessons. Here the main role should be played only by a convenient location (city center or near a metro station). One of the advantages of such an idea is that you don’t have to spend money on equipment, because often in business centers that offer rental, everything is already there.

Staff selection


Particular attention should be paid to the selection of teaching staff. Teachers will be the face of your school, so you need to decide in advance which employees you need to hire. Be sure to make a lesson plan for each group according to the level of knowledge (beginner, intermediate, advanced). Can't teach people different levels knowledge on one program, because it will not be effective.

It is worth pointing out right away wages with teachers. It starts from 30 to 50 thousand rubles, depending on the city and region.

Outcome

We found out where to start opening a school of foreign languages. Now, in order for the business to pay off, it is necessary to advertise. Now many people want to become fluent in at least one of the foreign languages, so the right advertising will help attract many new students and contribute to a quick payback.

To open a language school you will need:

  • the amount of initial capital must be at least 300 thousand rubles;
  • expenses each month will be 150 thousand rubles;
  • approximate income - 185 thousand rubles.

You can get a full refund within a year. After that, the net profit will be approximately from 100 thousand rubles per month.


Check out the offers of banks

RKO in Tochka Bank. Open an account

More about current account

  • Opening an account - free of charge in 10 minutes;
  • Service - from 0 rubles / month;
  • Free payments - up to 20 pieces / month.
  • Up to 7% on account balance;
  • Overdraft possible;
  • Internet banking - free of charge;
  • Mobile banking is free.
RKO in Raiffeisenbank. Open an account

More about current account

  • Opening an account - free of charge in 5 minutes;
  • Service - from 490 rubles / month;
  • Minimum commissions.
  • Registration of salary cards - free of charge;
  • Overdraft possible;
  • Internet banking - free of charge;
  • Mobile banking is free.
RKO in Tinkoff Bank. Open an account

More about current account

  • Free account opening in 10 minutes;
  • First 2 months free service;
  • After 2 months from 490 rubles / month;
  • Up to 8% on the account balance;
  • Free accounting for individual entrepreneurs on Simplified;
  • Free internet banking;
  • Free mobile bank.
RKO in Sberbank. Open an account

More about current account

  • Opening r / s - 0 r.;
  • Service - from 0 rub./month;
  • Free "Sberbank Business Online";
  • Lots of additional services.

More about current account

  • 0 rub. opening an account;
  • 0 rub. Internet banking and mobile banking for account management;
  • 0 rub. issuance of a business card for depositing and withdrawing cash at any ATM;
  • 0 rub. the first deposit of cash into the account;
  • 0 rub. tax and budget payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
  • 0 rub. service account if there is no turnover.
RKO in the Eastern Bank. Open an account

More about current account

  • Opening an account is free;
  • Reservation in 1 minute;
  • Internet banking and mobile app is free;
  • 3 months of service for free;
  • after 3 months from 490 rubles / month
RKO in LOKO Bank. Open an account

More about current account

  • Opening an account is free;
  • Reservation in 1 minute;
  • Service - from 0 rubles / month;
  • Cash withdrawal from 0.6%;
  • Free terminal for acquiring;
  • Internet banking and mobile application - free of charge.
RKO in Expert Bank. Open an account

More about current account

  • Account maintenance - from 0 rub./month.
  • Cash withdrawal (up to 700 thousand rubles) - free of charge
  • Up to 5% on account balance
  • The cost of payment - from 0 rubles.
RKO in Unicredit Bank. Open an account

More about current account