How to withdraw money from a settlement account of an IP? IP withdraws money from a current account: posting

Almost every PI has a bank account. The peculiarity of this type of activity is that it is quite difficult to cash out the funds. The state does not restrict the IP in the use of property. But the restrictions on operations are still established. More details on how to withdraw money from the settlement account of the PI, read on.

Legal features

According to the Constitution, every individual can engage in entrepreneurial activities without the formation of a legal entity. For this you need to register as an IP. However, the legislation specifies certain restrictions. Individual entrepreneurs can become:

• Only able citizens over 18 years of age. It can be Russians and foreigners.
• Persons under the age of 18 who entered into legal marriage.
• Minors are citizens with the written permission of one of the parents (guardian).

Almost all private entrepreneurs are on a simplified taxation system. Therefore, according to the legislation, they are allowed to engage in only certain types of activities. The IP can not be issued:

• Already registered entrepreneurs.
• IP, declared bankrupt a year ago.
• IP, deprived of a license for a certain period.

Features of activity:

• IP can engage in any kind of activity that is not prohibited by law and brings profit.
• Entrepreneurs can defend their rights in the Arbitration Court, guided by the laws for individuals.
• IPs pay USN, hand over reports and independently manage profits.
• Property can only be used for personal gain. In the event of bankruptcy, it is sold for debts.
• In some cases, a cash register is required . The account in the bank is opened at will.
• IP can make personal press and hire employees, get a job. But not for civil service.
• Closure of IP is carried out at the request of the entrepreneur, in connection with his death or by court order. Pass the certificate of registration by inheritance or third parties can not.

Advantages of non-cash settlements

Opening an account with a bank is more profitable than making all payments through the cashier. Let's list the main advantages:

• For such operations, there are no statutory limits. Although banks have their limits on the amount of daily movement of funds. With this problem, the client may encounter only when performing transactions for a large amount. In this case, you will need to submit a document confirming the fact of using the funds, and wait three days until the money reaches the counterparty's account.
• For the transfer of funds between banks set certain tariffs. Calculations made from the IP account are subject to a lower commission.
• Conducting all operations through the account simplifies the process of accounting for cash and reporting.

Withdraw Funds

Despite the popularity of non-cash payments, cash does not give up its position. By law, an entrepreneur can dispose of the property himself. Organizations are required to keep money on settlement accounts. Entrepreneurs open an account at their discretion. If you need to cash them, you need to fill in certain forms. Let's consider in more detail how to withdraw money from the settlement account of the IP. To carry out this operation, the entrepreneur will at least need a card and a checkbook. It's easier to work with plastic cards. You can conduct an operation through the Internet or issue a cash order.

Goals of the transaction

Operations with personal funds IP can be carried out by personal visit to the bank or send commands through the Internet. The Bank accepts applications, verifies their legitimacy and only then implements them. A commission is charged for all these operations. How to withdraw money from the settlement account of an SP under USN? The first thing you need to correctly specify the purpose of the transaction.

For personal needs

If the entrepreneur pays taxes to the state in a timely manner, then he has no right to interfere with his activities in order to clarify the purposes of using the funds. In the payment order, you can indicate "for personal needs" and confirm that the transaction is carried out without VAT. How to withdraw money from a settlement account of an IP if it is tied to a card? It is enough to send online payment in Internet banking. If the working time of the bank is tight, then you can also call the office and ask the operator to make a quick application. In this scheme, there is one important condition - the card must be registered in the name of the IP. Otherwise, the tax will consider this transaction payment for goods and will require transfer to the budget of taxes.

Transaction execution

Settlements with suppliers can be made in cash and carried out through a bank account. Operations with "live" money are limited to 100 thousand rubles. The limits on non-cash transactions by the state are not established. How to withdraw money from the settlement account of a PI on a "simplified" basis? It is enough to issue a payment order and transfer it to the cashier in the bank. The organization has no right to be interested in the purposes for which the funds were spent. But if the amount of the transaction is large, and the client does not provide explanations, the bank can transfer the application to the state bodies. In order to avoid any problems, it is recommended to save all invoices, checks and other documents confirming the fact of the transaction.

Shadow business

Before taking an interest in how to withdraw cash from the settlement account of a PI in Sberbank, it is necessary to clarify which limits the institution establishes for this operation on the day and at certain times of the day. In order to avoid loss of liquidity, overstated commissions may be established for certain transactions. At the same time, not all sellers provide checks, which can subsequently confirm the operation of purchase and sale. To solve such problems, entrepreneurs open accounts in several banks and conduct operations on small amounts. Long-term implementation of such actions will be of interest first of all to the special service of the bank, which loses additional income. If the tax department also deems such operations as tax evasion, this may lead to the closure of the account or the refusal of the bank to work with the entrepreneur.

How can I withdraw cash from a settlement account of an IP without commission?

It is possible to transfer funds from a settlement account to an IP card, which is not issued to an entrepreneur, but to individuals. Commission for such an operation is not charged. But the deal takes place within two days. First, the money should go to the account of the IP, "spend the night," and only on the second day they can be transferred to the physical persons account. The second drawback is that, in the event of an error in the amount, the transaction will have to be processed again.

For all other transactions, the institution sets its own tariffs. The minimum commission will have to pay even for the operation to lift the salary. The bank does not provide unmarked transactions. Exceptions may be cases where, for the duration of the shares, the amount of commissions for certain transactions is reduced to 0 rubles.

Checkbook

The process of filling it is clearly controlled by the bank and the tax organization. The client draws up the counterfoil and the main part of the check and passes them to the bank. The book is issued on the written application of the entrepreneur. It is a form of strict accountability. Therefore, each check is numbered. How to withdraw money from a settlement account of an IP? Sberbank accepts checks, filled with a blue pen, without errors and corrections. This tool is convenient because at the very last moment you can write a check for yourself and cash it in the checkout.

The problem of the shadow business, described earlier, can also affect operations to withdraw funds through a checkbook. Unfortunately, the legislation in the Russian Federation is not perfect. Completely legal operations can be assessed as illegal. In order to avoid problems, all operations for withdrawing funds should be registered with the entrepreneur's full name.

Salary project

If an entrepreneur hired at least one employee, he can draw up a salary project in the bank and withdraw funds from the account as necessary. This operation is subject to the smallest commission. The bank can request an order to pay salaries. Therefore, it is necessary to understand how to withdraw money from the settlement account of an IP, and to apply at least one day in advance. In this case, the funds will be transferred from the current account to the employees' cards. If you connect an Internet bank, the transaction can be made independently or set up an auto payment.

How else can I withdraw money from the settlement account of an IP? An alternative to a salary card is a corporate card. With its help, you can withdraw funds directly from your checking account through the ATM. The only drawback is a large commission fee.

For myself

According to the legislation, only operations related to entrepreneurial activity can be conducted on the accounts of an IP. The law does not prohibit the withdrawal of funds for personal needs. But such operations will immediately interest the tax authorities. Therefore, it is better to immediately ask how to withdraw money from the settlement account of the PI (STS income) than afterwards for a long time to explain to the auditor the direction of their use.

Reporting

If the funds are withdrawn for launching in turnover, then it is not necessary to show them additionally through the cashier. But documents confirming the fact of the operation, take it from the supplier will have. Only with their help can you confirm the direction of using the funds.

IP withdraws money from a current account: posting

All operations for crediting and writing off funds must be registered in the accounting records. There are several options for writing this operation in the BU. First option:

DT84 KT75 - accrual of income of IP.

ДТ75 Кт50 (51) - payment of funds.

You can also use these postings:

DT76 КТ91 - accrual of profit.

DT76 KT51 - payment of funds.

In order for the amount of funds for this transaction not to be included in the "Book of Income and Expenses", it is necessary in the accounting program (for example, 1C) to remove the "Reflect in the NU" duck under the document, and in the analytical account it should be indicated that the operation is not conducted in the NU. If this is not done, then the unified tax base will be unjustified. Here's how to withdraw money from a settlement account.