For a workshop or metal seller, a checking account seems like a small thing until the first major delivery. The money here is related to shipping, VAT, delivery, and acts, so the delay in payment quickly hits deadlines. According to the Bank of Russia, the share of non-cash payments reached 88% by the end of 2025, and industrial businesses are living at this rate. Therefore, before the agreement, it is worth comparing RKO business rates for payments, limits and terms of crediting, and not just for subscription fees.
Where calculation slows down delivery
In metal, an extra day rarely goes unnoticed. The supplier is waiting for payment, the carrier is holding the car, the accounting department is preparing the documents, and the buyer wants a shipping date.
Weak points are checked before the transaction:
- Payments to legal entities. The free package and the price of the operation above the limit are important.
- Transfer limits. The amounts should cover raw materials, shipping, and contractors.
- Time of transfer. One day of waiting can delay the flight.
- Cash transactions. They are rare, but the commission can be significant.
This analysis does not show the beautiful invoice price, but the real cost of the month.
How the commission eats up the margin
The margin in metal trading is often kept at a few percent. If the tariff provides 20 free payments, and the company makes 70, then the extra 50 transactions of 70 rubles will give 3,500 rubles per month. Transfers to individuals, corporate cards, and foreign currency payments are considered separately. Therefore, the phrase "service from 0 rubles" does not show the full price of the calculations.
What to check before the transaction
It is useful for the accountant or the owner to put together a working script: who pays, to whom, when, and in what amounts:
- How many payments will go to suppliers. A large order is often split up.
- What are the limits on the account? A low threshold makes it difficult to close a purchase with a single amount.
- How Internet banking works. A failure with access at night may stop an urgent payment.
After that, the conditions are compared with the delivery calendar. If the raw materials, delivery and advance payment to the contractor are paid in one week, the stock according to the limits is needed in advance.
Why documents solve a lot of things
The Bank is required to check for unusual transactions. This is due to 115-FZ, which is directed against questionable transfers and money laundering. For a fair transaction, there are usually enough documents: contracts, invoices, UPD, specifications and a clear purpose of payment. The clearer the chain, the lower the risk of a pause at the most nervous moment.
FAQ
Is it possible to open an account after signing the contract?
You can, but it's a risk. It is better to check the fees and limits in advance.
Which is more important: zero fees or cheap payments?
For an active company, the price of operations is more often important. One busy month overrides the savings on maintenance.
Do I need a separate invoice for a large order?
Sometimes, yes. It's easier to separate it that way.
