Business Banking: SMEs & Freelancers

Our list of Europe's top bank accounts for businesses

Updated

Ranking of business bank accounts

13 banks

  1. #1: Revolut

    Europe's biggest neobank, Revolut is a pioneer of mobile-first banking. Offering a wide range of financial services and banking products, including (but not limited to!) trading stocks and crypto, Revolut is a safe option regardless of customer's country of residence.

    Price
    From €10/mo
    Open in
    28 EU/EEA + Switzerland, the UK +4
    Currencies
    180
    Employee access
    From Grow
    Deposit protection
    Up to £85'000
    Founded
    2015
    All ratings for Revolut(4)
    • Ease of use9.5
    • Customer service7.5
    • Features8.5
    • Value for money8.8
    Read review: RevolutVisit revolut.com (Revolut, Referral link)

  2. #2: Soldo

    Soldo is an expense automation platform for businesses, that calls itself "the brighter way to manage spending". Soldo's wildly popular product excels at complementing your bank’s offerings with an array of time-saving features – fit for the way modern businesses operate.

    Price
    From €6/mo
    Open in
    28 EU/EEA + the UK
    Employee access
    No
    Deposit protection
    N/A
    Founded
    2017
    All ratings for Soldo(4)
    • Ease of use9.3
    • Customer service8.8
    • Features8.5
    • Value for money7.7
    No review yetVisit soldo.com (Soldo, Referral link)

  3. #3: bunq

    bunq is a Dutch digital bank offering innovative features like multi-currency accounts, eco-friendly perks, and one of Europe’s highest savings interest rates. With a full banking license and deposit protection up to €100,000, bunq combines flexibility for travelers and expats with robust security and modern mobile banking apps.

    Price
    Free plan
    Open in
    27 EU/EEA
    Currencies
    22
    Employee access
    From Core Business
    Deposit protection
    Up to €100'000
    Founded
    2012
    All ratings for bunq(4)
    • Ease of use7.5
    • Customer service7.0
    • Features9.5
    • Value for money9.5
    Read review: bunqVisit bunq.com (bunq, Referral link)

  1. #4: Finom

    Finom offers digital banking with built-in invoicing and expense management solutions for freelancers, self-employed and entrepreneurs, SMEs and companies under registration.

    Price
    Free plan
    Open in
    7 EU/EEA
    Currencies
    1
    Employee access
    From Solo
    Deposit protection
    Up to €100'000
    Founded
    2019
    All ratings for Finom(4)
    • Ease of use9.0
    • Customer service9.0
    • Features8.0
    • Value for money7.5
    Read review: FinomVisit finom.co (Finom, Referral link)

  2. #5: Holvi

    Holvi offers a fully-digital business banking experience for freelancers. The bank provides everything you need for self-employment: German IBAN, a Mastercard business card, real-time cash flow overview, invoicing features and easy bookkeeping.

    Price
    From €9/mo
    Currencies
    1
    Employee access
    No
    Deposit protection
    100% Safeguarding - PSD2
    Founded
    2011
    All ratings for Holvi(4)
    • Ease of use8.4
    • Customer service8.0
    • Features8.3
    • Value for money8.2
    No review yetVisit holvi.com (Holvi, Referral link)

  3. #6: Qonto

    Qonto is a French neobank for businesses that is equally suited for freelancers, micro-businesses, SMEs and startups. Diverse in its product portfolio and capable of satisfying business needs of any caliber, Qonto now offers a one-month free trial for new users.

    Price
    Free plan
    Open in
    4 EU/EEA
    Currencies
    1
    Employee access
    No
    Deposit protection
    Up to €100'000
    Founded
    2016
    All ratings for Qonto(4)
    • Ease of use8.4
    • Customer service7.5
    • Features7.8
    • Value for money9.3
    Read review: QontoVisit qonto.com (Qonto, Referral link)

  4. #7: Tide

    Tide is a mobile-first business banking fintech that provides a fair range of digital banking solutions to freelancers and SMEs. Tide's offering is custom-fit for business needs of companies from the United Kingdom. FSCS-protected bank account in a simple, yet powerful product.

    Price
    Free plan
    Open in
    the UK
    Currencies
    1
    Employee access
    From Free
    Deposit protection
    Up to £85'000
    Founded
    2015
    All ratings for Tide(4)
    • Ease of use8.4
    • Customer service7.2
    • Features9.3
    • Value for money7.2
    Read review: TideVisit tide.co (Tide, Referral link)

  5. #8: Wise

    Formerly known as TransferWise, Wise is a go-to choice for money transfers abroad and international payments in any currency. With millions of loyal users, and a rich product development roadmap for years to come, Wise is a solid choice for a near-borderless experience.

    Price
    Free plan
    Open in
    29 EU/EEA + Switzerland, the UK
    Currencies
    54
    Employee access
    From Business
    Deposit protection
    N/A
    Founded
    2010
    All ratings for Wise(4)
    • Ease of use7.6
    • Customer service8.1
    • Features7.9
    • Value for money8.6
    Read review: WiseVisit wise.com (Wise, Referral link)

  6. #9: N26

    N26 is The Mobile Bank, extremely secure and operating with a full German banking license. Stylish cards, real-time payments, automatic expense categorization, all in a neat and very convenient mobile app.

    Price
    Free plan
    Open in
    19 EU/EEA + Switzerland
    Currencies
    1
    Employee access
    No
    Deposit protection
    Up to €100'000
    Founded
    2013
    All ratings for N26(4)
    • Ease of use8.0
    • Customer service7.5
    • Features7.5
    • Value for money7.8
    No review yetVisit n26.com (N26, Referral link)

  7. #10: Anytime

    Anytime acts as a modernized version of a traditional bank and aims to become a top pick for both professional or personal banking purposes. Great for freelancers who want their funds consolidated, but conveniently divided into business and personal funds.

    Price
    From €9.50/mo
    Open in
    9 EU/EEA + the UK
    Currencies
    1
    Employee access
    From Start
    Deposit protection
    Up to €85'000
    Founded
    2014
    All ratings for Anytime(4)
    • Ease of use8.0
    • Customer service6.4
    • Features7.5
    • Value for money7.5
    Read review: AnytimeVisit anyti.me (Anytime, Referral link)

  8. #11: Everest

    Everest is an online banking platform for SMEs & enterprises providing easy access to cash flow monitoring tools, expense management features, 5 credit or debit cards and a current account with its own IBAN.

    Price
    From €19.99/mo
    Open in
    23 EU/EEA
    Currencies
    1
    Employee access
    No
    Deposit protection
    N/A
    Founded
    2015
    All ratings for Everest(4)
    • Ease of use8.5
    • Customer service7.9
    • Features5.7
    • Value for money7.3
    No review yetVisit everestcard.com (Everest, Referral link)

  9. #12: Monzo

    One of UK's biggest neobanks, Monzo offers bank both personal and business accounts to UK residents. With Monzo, you can say goodbye to hidden fees and long lines and enjoy managing your money on the go with instant notifications and worldwide card acceptance.

    Price
    Free plan
    Open in
    the UK
    Currencies
    1
    Employee access
    No
    Deposit protection
    Up to £85'000
    Founded
    2015
    All ratings for Monzo(4)
    • Ease of use8.4
    • Customer service6.0
    • Features7.6
    • Value for money7.7
    No review yetVisit monzo.com (Monzo, Referral link)

  10. #13: Openbank

    Openbank is a middle ground between traditional banks and their mobile-first neobank counterparts. Free current account, with full control from a very easy to use mobile app. Santander Group's subsidiary on a smaller scale.

    Price
    Free plan
    Open in
    4 EU/EEA
    Currencies
    1
    Employee access
    No
    Deposit protection
    Up to €100'000
    Founded
    1995
    All ratings for Openbank(4)
    • Ease of use7.6
    • Customer service6.1
    • Features6.2
    • Value for money8.3
    No review yetVisit openbank.com (Openbank, Referral link)

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Our Commitment To Quality Reviews

To ensure that the information in our articles is complete and accurate while keeping our assessments unbiased and ratings data-driven, we use the following methodology:

  • Rule #1: Hands-on Experience

    Each person contributing to a product review spends at least a week using that product, getting "hands-on" with all the features it offers and documenting their overall experience, unexpected benefits and any critique they might have.

  • Rule #2: Professional Expertise

    Our team composes of fintech professionals, working in neobanks, digital asset exchanges and payment-tech companies. With an average of 7 years in this field and more than 30 fintechs all over the world in our combined career history, we have a solid frame of reference.

  • Rule #3: Multiple Perspectives

    We strive to get at least 3 team members to review each product to eliminate personal bias and introduce a more critical approach. The final ratings are an average of all individual assessments, and the review is only published after a peer review.

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Curated List: Bank Accounts for Businesses

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.

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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