Business Banking: SMEs & Freelancers

Our list of Europe's top bank accounts for businesses

Updated: 16.07.24


Review our handpicked selection of the best business bank accounts for companies of any scale, freelancers and entrepreneurs. Discover the lesser known options that might just suit your needs, and explore the terms provided by some of Europe's best digital banks.

Compare monthly costs, fees and applicable limits and get detailed information on these banks by reading in-depth reviews prepared by our fintech experts.

Curated List: Bank Accounts for Businesses

General Information

  • Deposit ProtectionUp to £85'000
  • Customer SupportPhone, chat, email
  • CurrenciesGBP

Bank Accounts

  • Individualsno
  • Businesses Free plan available
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Customer SupportStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStarStarStar half-full
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar emptyStar empty

General Information

  • Deposit ProtectionUp to €100'000
  • Customer SupportChat, Whatsapp, Email
  • CurrenciesEUR

Bank Accounts

  • Individualsno
  • Businesses Free plan available
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStarStar empty
  • Customer SupportStarStarStarStarStarStarStarStarStarStar empty
  • Features AvailableStarStarStarStarStarStarStarStarStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty

General Information

  • Deposit ProtectionUp to €85'000
  • Customer SupportPhone, chat, email
  • CurrenciesEUR

Bank Accounts

  • Individualsno
  • Businesses Starting at €9.5
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStar half-fullStar emptyStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStar half-fullStar emptyStar empty

Bank Accounts for Individuals

Read our detailed reviews of personal bank accounts available at some of the world's most popular online banks, compare the plans they offer, explore their pricing and discover all the hidden fees.

Banking for individuals on mobile.

General Information

  • Deposit ProtectionN/A
  • Customer SupportE-mail
  • CurrenciesN/A

Bank Accounts

  • Individualsno
  • Businesses Starting at €6.0
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStarStar half-full
  • Customer SupportStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Features AvailableStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty

General Information

  • Deposit ProtectionUp to £85'000
  • Customer SupportChat, email
  • Currencies30+ currencies

Bank Accounts

  • Individuals Free plan available
  • Businesses Free plan available
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStarStar half-full
  • Customer SupportStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Value for MoneyStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty

Top Bank Accounts for Businesses, Compared


One-on-one comparisons of top bank accounts for companies offered by the most popular digital and mobile-first banks. For SMEs, self-employed, entrepreneurs and freelancers.

General Information

  • Deposit ProtectionN/A
  • Customer SupportPhone, chat, email
  • Currencies54 currencies

Bank Accounts

  • Individuals Free plan available
  • Businesses Free plan available
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar emptyStar empty

General Information

  • Deposit ProtectionUp to €100'000
  • Customer SupportPhone, chat, email
  • CurrenciesEUR

Bank Accounts

  • Individualsno
  • Businesses Starting at €9.0
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Customer SupportStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStarStarStar half-full
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty

General Information

  • Deposit Protection100% Safeguarding - PSD2
  • Customer SupportChat, email
  • CurrenciesEUR

Bank Accounts

  • Individualsno
  • Businesses Starting at €9.0
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Customer SupportStarStarStarStarStarStarStarStarStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Value for MoneyStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty

General Information

  • Deposit ProtectionN/A
  • Customer SupportChat, email
  • CurrenciesEUR

Bank Accounts

  • Individualsno
  • Businesses Starting at €19.99
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Customer SupportStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Features AvailableStarStarStarStarStarStar half-fullStar emptyStar emptyStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStar half-fullStar emptyStar empty

General Information

  • Deposit ProtectionUp to £85'000
  • Customer Support15 languages
  • CurrenciesGBP, EUR, RON

Bank Accounts

  • Individuals Free plan available
  • Businesses Starting at €9.95
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Customer SupportStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Features AvailableStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty

General Information

  • Deposit ProtectionUp to €100'000
  • Customer SupportChat, email
  • CurrenciesEUR, USD, GBP + 12

Bank Accounts

  • Individuals Free plan available
  • Businesses Starting at €7.99
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStarStar emptyStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStarStarStar half-full
  • Value for MoneyStarStarStarStarStarStarStarStarStarStar half-full
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty

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General Information

  • Deposit ProtectionUp to €100'000
  • Customer SupportPhone, email, chat
  • CurrenciesEUR

Bank Accounts

  • Individuals Free plan available
  • Businesses Starting at €None
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStar half-fullStar emptyStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStar half-fullStar emptyStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Overall RatingStarStarStarStarStarStarStarStar emptyStar emptyStar empty

General Information

  • Deposit ProtectionUp to €100'000
  • Customer SupportChat, email
  • CurrenciesEUR

Bank Accounts

  • Individuals Free plan available
  • Businesses Free plan available
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStar half-fullStar emptyStar empty

General Information

  • Deposit ProtectionUp to £85'000
  • Customer SupportPhone, email
  • CurrenciesGBP

Bank Accounts

  • Individuals Free plan available
  • Businesses Free plan available
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Customer SupportStarStarStarStarStarStarStar emptyStar emptyStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStar half-fullStar emptyStar empty

General Information

  • Deposit ProtectionN/A
  • Customer SupportChat, email
  • CurrenciesEUR

Bank Accounts

  • Individuals Starting at €None
  • Businesses Starting at €None
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStar half-fullStar emptyStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStar half-fullStar emptyStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar emptyStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStar half-fullStar emptyStar emptyStar empty

Banking services for business entities (besides companies ranging from SMEs to international enterprises, this includes self-employed people, entrepreneurs and freelancers) often come in an intentionally complicated "packaging". Confusing terms, various unexpected fees and a lot of fine print - this allows banks to charge customers more, hoping that the hassle of switching to a new bank discourages their customers from leaving.

Luckily, a new era of modern age digital-first banks created with younger generation in mind is at its peak! These banks are as secure and reliable as their "brick-and-mortar" traditional counterparts, thanks to an abundance of regulations, endless audits and certifications imposed by regulatory bodies. The benefits on top of this, however, are numerous. They bring the convenience of Uber or Netflix to running your family business or separating your personal and business banking as a freelancer with a copywriting gig. They're also usually cheaper as the new market is in a fierce competition for customers, and because of not having to sustain hundreds of branches.

Choosing a bank account for business banking is always a challenging task. You might need to balance efficiency you want in the short term with creating a healthy expense management and cash flow monitoring solution for the future. Luckily, a lot of professional banking solutions today offer a wide range of subscriptions (or "bank plans") to choose from, making it easy to "pay as you go".

Is there a bank you think we missed in our comparison? Just let us know and we will make sure to get "hands on" with your suggestion, test it out and let our readers know if it is something we can vouch for.

Fintech Compass is not promoting any financial institution over another because of material incentives offered by third parties. We provide facts taken straight from official sources and legal documents and let our readers decide for themselves.

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