Open an account with a bank or payment system
To open an account with a bank or payment system, you need to understand the difference between the requirements of these financial structures.
A 100% bank account provides an opportunity to conduct business all over the world and use the bank’s financial instruments. Because any bank provides IBAN with a current account for payments within the EU and gives access to the SWIFT system for international transfers in any currency.
If you need to get loans, lease property, etc. Then a bank account is the best solution.
All payment systems operate under the license of the financial inspection of their country, as well as on the basis of financial instruments of a particular bank. Some payment systems issue bank cards, others provide only Internet banking, and others also provide an application for the client’s phone bank.
In order for a non-EU resident to open a personal account, you need grounds for staying in the EU, that is, a residence permit that can be obtained on the basis of working for a European company. Together with specialists Finance PRO you can register a company in Estonia.
Before registering a company, we get to know our client and, understanding their needs, offer the best option for opening an account in a bank or payment system.
You can get to know our company better. Why can you trust us? You can order a callback on our website at this link to the link and get detailed information for your business.
Requirements for opening a bank account.
In most cases, you need to be present in person to open a bank account. Each bank wants to know its client before opening an account and offers to fill out a standard questionnaire. Main questions:
- Contact details;
- address of the place of business;
- balance sheet data — balance sheet volume, net turnover, equity, number of employees;
- tax residence;
- main field of activity;
- main contractual partners;
- planned activity on the current account.
If you have international trade and the product does not enter Estonia, or if your employees work remotely and are not located in Estonia, the bank will most likely refuse to open an account. From the point of view of banks, the account must be opened in the country where the business is physically conducted.
According to the laws of Estonia, a company can hold any number of bank accounts in any country. The main requirement is that any movement of money is correctly reflected in the company’s accounting statements.
List of banks in Estonia
The list of banks is arranged in order of convenience for business.
List of popular payment systems
If you need to make international payments, then you need to choose among the payment systems that provide SWIFT.
All payment systems work remotely and you don’t need a personal presence to open them. However, you will still need to answer a standard client questionnaire and provide a package of documents confirming the identity of the owners, members of the management board, residence of the company and end beneficiaries.
In the Baltic States, the payment system is very popular among entrepreneurs Paysera. Instant account opening for a responsible person. After filling out a personal questionnaire, you can instantly open an account for the company. After the client is identified via Skype, the maximum account usage limits are opened. The only drawback is only payments within the EU.
Paysera offers international payments only through its current accounts. In other words, Paysera itself will be the recipient and sender of the money. It is important to correctly specify the client’s number in Paysera when making a payment, so that the payment system correctly credits the money. Inside the online bank there are quite clear instructions on how to do this.
2 responses
Оборот, облагаемый налогом с оборота по ставке 9%
Некоторые виды товаров и услуг облагаются налогом с оборота по сниженной ставке – 9%. К таким товарам относятся:
продукты питания, за исключением алкогольных напитков и табачных изделий;
лекарственные препараты для медицинского использования;
товары для детей, такие как одежда, обувь, игрушки и книги;
газеты, журналы и периодические издания.
Здравствуйте, хотела узнать у вас какие продукты питания входят в пониженную ставку налогообложения. Прокомментируйте, пожалуйста, в законе о налоге с оборота я не увидела данных про 9% налога на продукты питания
Марина добрый час
В Эстонии в настоящее время (с 1 июля 2025 г.) установлены следующие ставки НДС:
Стандартная ставка 24 % – применяется ко всем товарам и услугам, не вошедшим в сниженные ставки
Сниженная ставка 13 % – распространяется только на услуги по размещению (отели и аналогичные услуги)
Сниженная ставка 9 % – применяется к ограниченному кругу социально значимых товаров и услуг: лекарственные средства и медицинские изделия, печатные и электронные книги, периодическая пресса (включая электронную)
Нулевая ставка 0 % – используется для экспорта товаров и некоторых международных услуг
По продуктам питания
В законе о НДС Эстонии (Käibemaksuseadus) продукты питания не включены ни в категорию с 9 %, ни в категорию с 13 % НДС. То есть на продукты повседневного потребления, включая бакалею, овощи, мясо и т. п., применяется полная стандартная ставка 24 %, не сниженная
Попытки ввести 9 % НДС на продукты питания обсуждались (например, в мае 2025 года подавался соответствующий законопроект), но парламент это предложение отклонил . Как пояснила лидер партии Eesti 200 Кристина Каллас, государственный бюджет не позволяет это реализовать.
С уважением, Александр Фоменко