Тарифы расчетно-к� �ссового обслуживан ия с 16.01.2025.pdf

Based on the provided text, it appears to be a comparison of different banking service packages offered by T-Bank for business accounts. Here's a breakdown of the key features and differences between the "Простой" (Simple), "Продвинутый" (Advanced), and "Профессиональный" (Professional) plans:

### Account Opening
- All three plans offer free account opening, including additional accounts in rubles and foreign currency without limit.

### Monthly Maintenance Fees
- Простой: Free for the first two months after account opening if there is no individual tariffization. Otherwise, 490 ₽ or free if purchases via business card exceed 150,000 ₽ in the previous month.
- Продвинутый: Free if purchases via business card exceed 400,000 ₽ in the previous month; otherwise, 1990 ₽.
- Профессиональный: Fixed fee of 4990 ₽ per year.

### Additional Account Maintenance
- All plans offer free maintenance for additional accounts in rubles and foreign currency.

### Access to Personal Cabinet and Digital Signature (ЭЦП)
- Free access for directors and employees across all plans.

### Limits on Free Payments and Transfers
#### To Tax Authorities and Budgets:
- Free transfers to tax authorities and budgets for both individual entrepreneurs (IP) and legal entities (ЮЛ).

#### Self-transfers to T-Bank Cards:
- Debit Card:
- Without subscription: Up to 150,000 ₽ (Простой), 300,000 ₽ (Продвинутый), 500,000 ₽ (Профессиональный).
- With subscription: Up to 250,000 ₽ (Простой), 400,000 ₽ (Продвинутый), 600,000 ₽ (Профессиональный).
- Credit Card:
- Without subscription: Up to 250,000 ₽ (Простой), 400,000 ₽ (Продвинутый), 500,000 ₽ (Профессиональный).

#### Transfers to Individuals:
- With subscription: Up to 100,000 ₽ for all plans.

### Summary
- Простой is the most basic plan with lower fees and limits but offers essential services.
- Продвинутый provides higher transaction limits and free maintenance if certain spending thresholds are met.
- Профессиональный has a fixed annual fee but offers the highest transaction limits, suitable for businesses with high transaction volumes.

These plans cater to different business needs based on transaction volume and budget considerations.