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Działalność gospodarcza - konto firmowe czy prywatne | Pieniądze i ja
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Działalność gospodarcza – konto firmowe czy prywatne

Otwierając działalność gospodarczą stoi przed nami kilka decyzji – na jakiej zasadzie chcemy rozliczać podatki, w jaki sposób chcemy prowadzić podatki, czy chcemy być VAT-owcami czy też nie. Stoi przed nami również decyzja czy konto, z którego będziemy się rozliczać z urzędami oraz kontrahentami będzie kontem prywatnym czy też firmowym. Jakie zatem konto powinniśmy wybrać prowadząc działalność gospodarczą?

Konto firmowe – czy konieczne?

Zacznijmy jednak od tego czy konto firmowe nie jest przypadkiem przy działalności gospodarczej niezbędne, czy prawo nam tego nie nakazuje. Otóż przepisy w żaden sposób nie dotykają tej kwestii, jedyne o czym mówią to fakt, że wszelkie rozliczenia z Zakładem Ubezpieczeń Społecznych oraz Urzędem Skarbowym należy rozliczać bezgotówkowo, czyli również konta prywatnego. Nakaz posiadania konta firmowego mają jedynie spółki.

Zalety konta prywatnego

Konto prywatne przy działalności gospodarczej w zupełności nam wystarczy, a dzięki pozostaniu przy nim nie będziemy musieli załatwiać żadnych dodatkowych formalności. Wiele kont prywatnych posiada również bezpośrednie przelewy do ZUS-u czy US, co ułatwia nam zadanie, gdyż wystarczy zaznaczyć kilka przygotowanych opcji i wykonanie przelewu mamy z głowy.

Zalety konta firmowego

Warto jednak posiadać konto firmowe. Po pierwsze zwiększa ono naszą prywatność. Pamiętajmy, że podając numer konta, z którego będziemy rozliczać się jako firma, musimy liczyć się z tym, że podczas kontroli skarbowej, urzędnicy będą mieli do niego dostęp, a oznacza to, że kiedy posiadamy konto prywatne, to będą mogli przejrzeć również nasze prywatne transakcje, co niekoniecznie musi nam się podobać.

Kolejną zaletą kont firmowych jest fakt, że banki nam szybciej mogą zaproponować różnego rodzaju produkty kredytowe dla firm. Na przykład w mBanku możemy nawet wnioskować o kredyt na start działalności. Ale istnieją również inne produkty, które mogą nas zainteresować -kredyt odnawialny, obrotowy itp.

Banki, aby zainteresować przedsiębiorców kontami firmowymi oferują różnego rodzaju produkty gotówkowe, które niekoniecznie związane są z finansami, np. tanią przestrzeń biurową, pakiet oprogramowania Microsoft Office dla firm za darmo, zwrot pieniędzy za składkę do ZUS-u i wiele innych.

Należy pamiętać o tym, że jeśli nasze konto firmowe dla DG generuje pewne koszty, to możemy je wliczyć w koszty prowadzenia działalności i odliczyć od podatku. Nie potrzebujemy do tego żadnej faktury, wystarczy wyciąg z banku.

Widać zatem, że konta firmowe to całkiem atrakcyjna propozycja dla przedsiębiorców i pomimo kilku formalności warto się na nie skusić.

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