Freelance projects

Freelance projects

Consultation on safe work with individual entrepreneurs and money movement in Ukraine

Accounting Services, Legal Services — incorrectly specified categories?

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I have a sole proprietorship of the 2nd group, which has run out of limits. To continue working, I opened another sole proprietorship in the name of my girlfriend's mother. However, after a month and a half of work, the bank blocked the sole proprietorship account without stating a reason.

Possible triggers for the block:

1. Use of the banking application:

I was the only one using the bank's application, which was registered to another person (my girlfriend's mother). I changed the phone number to my old work number, installed the application on a separate phone that was physically located in Poland. No VPN was used.

2. Money transfers:

The money that came into the sole proprietorship account was fully transferred to her daughter's account (who is also my girlfriend). Since they are relatives, I thought this would not raise suspicions. However, the money was always withdrawn in full, and there were no expenses on the bank account, which likely also triggered the bank.

Part of the money for the daughter remained for household expenses, while a larger part was transferred to my card in Monobank. The bank had no claims against my accounts or the daughter's account.

3. Income history:

My girlfriend's mother had not had official income for many years, and her sudden activity as an entrepreneur could have raised the bank's suspicions. Plus, she had a poor credit history and previous problems with the bank.

Ways of receiving money:

1. Acquiring through Way For Pay:

Clients paid via a link, and the next day the acquiring transferred the money to the sole proprietorship account in one payment.

2. Payments to the sole proprietorship card:

Clients also transferred money directly to the sole proprietorship card (IBAN), which is linked to the account for convenience of payment.

Problems with the block:

When Monobank blocked the account, it requested another account in the same name to withdraw the remaining funds. The girlfriend's mother provided an account in another bank, but it was soon blocked as well. The bank demanded an explanation of the origin of the funds, and despite the documents provided, the account was blocked again. They requested another account for withdrawing money.

Meanwhile, money from current clients continued to come into acquiring, but I stopped transferring it to the sole proprietorship, as there was nowhere to withdraw the funds.

Consultations and advice:

I started consulting with a lawyer, two accountants, and acquaintances from several banks. However, I was not offered a single correct scenario for withdrawing this money without further blocks. The advice varied:

• Open an account in a new bank, immediately explain the situation, and provide documents in advance.

• Open an account in a more lenient bank, such as Globus or Vostok, and try to withdraw money there, as the deadline for withdrawing funds from the blocked bank was approaching.

• Open a new sole proprietorship account and withdraw funds there, but first clarify whether the bank will accept this transfer.

Solution to the problem:

Ultimately, the right step was to go to the blocked bank and demand cash, which was achieved after disputes. The problem with the blocked funds was resolved – we have cash. An account in Globus bank (both sole proprietorship and personal) is opened. A new sole proprietorship account was indicated in acquiring for transferring the accumulated funds.

What is required now:

I realize that I made mistakes, but I cannot exactly understand what they were. Now I want to avoid similar situations in the future and get advice on the following questions:

• How to properly work with a sole proprietorship and withdraw money to avoid blocks.

• How to safely withdraw money from someone else's sole proprietorship to my personal cards.

• What are the limits, rules, and permissions for work to avoid questions from banks and tax authorities.

Proposals 8

Volodimir T.

0 0

Projects -
Rating -
Rating 242

Budget: 1000 UAH Deadline: 1 day

Hello. I have experience in servicing individual entrepreneurs. There are several ways to resolve your situation. I am ready to help you. Please contact me privately.

Oksana Komisarova

1 0

Projects -
Rating -
Rating 394

Budget: 1000 UAH Deadline: 7 days

Good afternoon
I am ready to help you understand the situation with the bank. Conduct an audit and suggest options.

Maryna Novak

10 0

Budget: 1000 UAH Deadline: 4 days

Good day! I am ready to provide consultation and discuss your case, analyze the activities of the individual entrepreneur according to the current legislation of Ukraine, and provide recommendations to address the risky moments. I have the necessary years of experience. Feel free to reach out, I will gladly offer assistance!

Elena P

1 0

Projects -
Rating -
Rating 228

Budget: 500 UAH Deadline: 1 day

You can only withdraw from a sole proprietorship after paying taxes to a personal card or withdrawing cash. For other individuals, it is only possible with the payment of personal income tax and military tax. For IBAN, let them fill out the payment order - payment for services ..., which are specified in the classifications. The tax authority sets limits for each group of sole proprietorships. You have a manager at the bank, you need to interact with him. The phone number provided is Ukrainian and working, not Polish. These are free tips for you.

Katerina S.

58 0

Budget: 2000 UAH Deadline: 7 days

Good day, Dmytro!

A special thank you for such a detailed project description )

I am ready to analyze your case and the overall review of the affairs and mistakes to correct the risky moments.

I have the necessary experience working as an accountant for over 15 years.

Bohdana K.

11 0

Projects 12
Rating -
Rating 574

Budget: 1000 UAH Deadline: 2 days

I think it can be proven to the bank that these are the personal funds of the entrepreneur, from which taxes have been paid, and the sole proprietor can use them at their discretion. Contact me, I will help you draft a letter to the bank.
https://news.dtkt.ua/finance/bank-system/60091-fop-moze-vikoristovuvati-kosti-na-vlasni-potrebi-tilki-pislia-pidtverdzennia-splati-podatkiv-nbu

Vladislav Kulinich

57 5

Budget: 1000 UAH Deadline: 1 day

Hello! I am ready to consult on this case. It can be done either in writing (text) or in the format of an audio call. I will be happy to help.

The list does not show proposals concealed by the client or freelancer with a Plus profile, as well as proposals violating rules

Petr K.
Odessa, Ukraine
Floritale

Projects 30
Contests 1
Rating 5.0
Rating 2 401

Consultation on safe work with individual entrepreneurs and money movement in Ukraine

Volodimir T.

Oksana Komisarova

Maryna Novak

Elena P

Katerina S.

Bohdana K.

Vladislav Kulinich

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