Best Pro Bank Online – Comparison 2023, the 15 best pro banks | Comparison 2023
Pro bank
Arrived more recently than the others on the market, propels by it is far from being born of the last rain ! Based on Blank’s experience and the Crédit Agricole group, here is a professional account that should know how to make a place.
Best Pro Bank – Comparison of online accounts 2023
You are a creator or business manager, merchant, freelance, micro-entrepreneur or liberal profession ? And if you opened a bank account with a pro online bank ? In recent years, several online and neobanque banks for professionals have launched. So what are they worth ? What are the best pros banks ? We answer you in our comparison.
Our selection of the best pro banks according to your profile
If you want get to the point, We put forward here 1 to 2 best pro banks in our opinion depending on your corporate profile. However, keep in mind that it is important to note What are the essential needs of your company and check what are the offers of the pro accounts that respond to it. Check collection or international transfers (excluding SEPA zone, wholesale Europe) are not offered by all, so be vigilant !
For freelancers / independent
Hello Bank! Pro
An ultra -complete offer for the self -employed
- From : 0 €/month
- Independent
- Reception of checks
- Payment terminal
- Billing module
3 months of reduction !
Blank
A bank for the self -employed with competitive prices
- From : 6 €/month
- Independent
- Societies in share capital
- Reception of checks
- Payment terminal
- Billing module
1st month offered !
Shine
Competitive prices and many partnerships !
- From : 7.9 €/month
- Independent
- Societies in share capital
- Reception of checks
- Accounting tools
- Billing module
1st month free !
Finish
The professional account to launch your business !
- From : 5 €/month
- Independent
- Societies in share capital
- Billing module
1st month free !
Propels by ca
Very good value for money, and the solidity of the Crédit Agricole group
- From : 8 €/month
- Independent
- Societies in share capital
- Billing module
1st month offered !
For startups / small businesses (craftsmen, traders, etc.)
Shine
Competitive prices and many partnerships !
- From : 7.9 €/month
- Independent
- Societies in share capital
- Reception of checks
- Accounting tools
- Billing module
1st month free !
Trustee
An online pro bank at full services
- From : 12 €/month
- Independent
- Societies in share capital
- Associations
- Reception of checks
- Payment terminal
- Accounting tools
Qonto
The reference of pro online accounts !
- From : 9 €/month
- Independent
- Societies in share capital
- Associations
- Reception of checks
- Accounting tools
30 free days !
Revolut Business
A good professional account, which stands out with the international and its TPE
- From : 0 €/month
- Independent
- Societies in share capital
- Payment terminal
- Accounting tools
- Billing module
1st month free !
Propels by ca
Very good value for money, and the solidity of the Crédit Agricole group
- From : 8 €/month
- Independent
- Societies in share capital
- Billing module
1st month offered !
For companies that start to grow
Qonto
The reference of pro online accounts !
- From : 9 €/month
- Independent
- Societies in share capital
- Associations
- Reception of checks
- Accounting tools
30 free days !
Shine
Competitive prices and many partnerships !
- From : 7.9 €/month
- Independent
- Societies in share capital
- Reception of checks
- Accounting tools
- Billing module
1st month free !
Trustee
An online pro bank at full services
- From : 12 €/month
- Independent
- Societies in share capital
- Associations
- Reception of checks
- Payment terminal
- Accounting tools
Revolut Business
A good professional account, which stands out with the international and its TPE
- From : 0 €/month
- Independent
- Societies in share capital
- Payment terminal
- Accounting tools
- Billing module
1st month free !
That are worth online banks for professionals and businesses ?
Like online banks for individuals, new pros banks first launched with reduced and simplified costs. Thus, if you open your bank account in agency, you will pay a subscription for your account, an supplement to have access to the online space, movement costs, in short, you find it difficult for less than € 60 per month bank charges for your professional account.
Neobanks for pros, they are accessible for less than 10 euros per month. Some even offer free pro accounts (although obviously limited), that is to say you. But this is not their only advantages !
Depending on your activity, it may be compulsory to open a professional account. If you have a company with a share capital (SARL, SAS, SA, EURL, …) it is necessary, to be able to deposit the share capital of your company. If you are self-employed, it is not compulsory to open a professional account, but you will nevertheless need to create a particular bank account distinct from your personal bank account.
To know everything, we have written a dedicated article on the subject !
These new banks have many features that simplify the management of your business on a daily basis: categorization of expenses, credit card management for your employees (and in particular virtual bank cards), reconciliation of invoices and other aids to accounting. Not considering The account opening is very simply online, in a few minutes. It is therefore quite simple to change the pro bank !
PRO neobanks are not the only innovations to improve the operation of companies.
An example ? Have you thought about having you accompanied to optimize your business cash flow thanks to cryptocurrency investments ? You could for example generate a yield around 5% -6% thanks to stable, With a measured risk.
Cheaper and better thoughts, So do not hesitate to open an account with one of these online banks for professionals ! Now plunge into the comparison to find out which one to choose ��
The best banks for self-employed / micro-enterprises
Finally, ce on the cake ��, Shine is a committed professional account, with 1% of their turnover donated to associations working for the environment (1% for the planet) and they are also certified B Corp. If these are values that speak to you, it is a significant little extra.
➡ Consult Our detailed opinion on Shine for more information
�� Shine is also part of our selection of the best pro banks for startups / small businesses. If your business is led to grow, they will be able to accompany you !
Finom, the professional online pro account perfect for micro-entrepreneurs who launch !
If you are an independent, at the start of the adventure, to count each euro spent, Finish will know meet your basic needs (if you don’t need to make payment abroad or collect checks in particular). The account opening is online, and you can even perform your online capital deposit For only € 64 (one of the best prices on the market). What’s more, If your business is brought to grow, other offers from this pro bank may be adapted (which will not be the case with N26 for example).
�� The solo offer is at … 0 € per month for registrations before 10/20/2023
➡ Consult Our detailed opinion on Finom for more information
�� Finom accepts a large number of statutes of companies: EURL, SASU, SARL, SAS, SEL, SNC, SA, etc.
Propels by CA: designed for independent entrepreneurs
The Propulse by CA offer is quite similar to that of Blank (and for good reason, they use the same architecture, as they are both within the Crédit Agricole group). On the other hand, Propulse goes a notch further into support for the creation of your business, with the provision of several services in this direction:
- Business Plan tool online
- Provision of market studies
- Explanatory articles on the different stages of the creation and operation of your business
- A list of aid for creation as well as potential local partners (we find here the territorial fiber of Crédit Agricole)
- Events bringing together business creators (to confront your ideas, enlarge your network, and why not find new customers !))
➡ Consult Our full opinion on Propulse by Ca for more information
The best professional banks for a small business
Daily management
Collaboration solutions for pro banks
Our opinion on each pro bank online
Qonto: overall, the best pro digital bank of the moment
According to U.S, Qonto is currently the reference of pro online accounts. That being said, it is always necessary to verify what your needs are and if the service offer meets it well. For this, the advantage is that At Qonto the first 30 days are free and without commitment ! The opportunity therefore to test their various services without pressure. It’s up to you to check that this fintech is the best pro bank … for your business !
One of the forces of Qonto is to Facilitate team collaboration. The members of your team can have their card, you can configure their ceilings and their access to the bank account. You easily follow their expenses and they themselves incorporate payment proofs.
You can also create sub-accounts that allow you to easily budget your company’s expenses. For example, with a “marketing” under account of € 10,000, you are sure that your team will not go beyond their budget.
If you wish to give independence to your teammates while keeping a check on expenses, Qonto is the bank you need. You will gain productivity ! The grail when you are professional ��.
Collaborate better, open an account at Qonto !
Our opinion on Shine, the expert in partnership !
Shine is one of the leading market leaders for independents and small businesses. The neobanque has been particularly innovative in the solutions it brings to entrepreneurs to facilitate the administrative management of their business. With its integrated billing tool, the reminders are automatic and the fintech crosses your accounts and your invoices. Do not ask yourself the question of whether you have been paid !
30 free days without obligation
In addition, Fintech has teams dedicated to partnerships and a dedicated site so that Its users are asking for new features and vote for them. Suffice to say that Shine has not finished simplifying your life !
Finally, this actor is also the only bank to offer you the support of an administrative advisor. In short, if you do not have a collaborator dedicated to this task, we highly recommend Shine.
Automatize your administration, open an account at Shine !
Our opinion on Fiducial Banque, the real bank
Trustee bank is an online pro bank, approved by the prudential and resolution control authority (ACPR) since 2013. A real banking establishment therefore, which allows it in particular to offer you live financing solutions (for cash, investments, etc.)).
�� The offer of banking services is very wide and goes beyond most pro neobancs. For example with the possibility of having a checkbook, to deposit species, or even the transfers and withdrawals in unlimited regardless of the offer selected by you.
In addition, this pro account is part of the French Fiducial group, solutions specialist for professionals. On the one hand It is reassuring that the establishment has been attached to an existing company since 1970 and generating more than a billion euros in turnover in Europe. And on the other, this allows you to benefit from the other services of the group, such as accounting expertise or wealth management consultancy.
If the site is aging, it is being rebuilt. What soon to make fiducial bank one of the most irresistible offers on the market ?
Unlimited transfers and a professional advisor by my side !
Revolut Business, a free subscription !
Revolut Business is the account for the pro of the neobanque revolut. Like this one, The conditions for international payments are very attractive, with for example 10 payments free of charge per month in the GROW offer.
�� Another Revolut Business force, his revolut reader is a Electronic payment terminal with the lowest commissions on the online pro banks market. Only € 0.8 + € 0.02 are taken for payments made by European individuals. Ideal if you make bank card collection so.
On the other hand, in fervent defender of dematerialized payments, no species deposits, nor collection of checks.
I open a Revolut Business account
Blank, the Pro Bank of Freelands !
Blank is a professional neobanque that has launched recently (in 2020), but which is a project developed by the Crédit Agricole group start-up. Not quite neophytes in the bank so ��.
This professional account aims particularly the self -employed, With a very attractive price of € 6 excl. Tax per month, while offering a fairly rich offer of services. You will find a Quote and invoicing module, A partnership for thefactoring With cash in time, the possibility oftake vouchers… and with only a few years of existence, and the means of the Crédit Agricole group, they should not stop there !
Independent, open an account at Blank !
Hello Bank! Pro, the complete offer for the self -employed
Hello Bank! Pro is the BNP Paribas Pro Bank online, serving the self -employed.
With its Hello Business offer, this pro account An unrivaled service range, with unlimited instant sepa transfers, the possibility of having an overview, or the possibility of depositing species. His visa card is also one of the only online professional banks to allow Free species withdrawals.
So, If you are an independent with a well -installed activity, Whether you handle checks and cash regularly for your business, this pro bank will probably be the best for you. Even if it seems slightly more expensive at first glance, like many unlimited services at home are paid in its competitors (for example on the transfer side), there is Back that you will find yourself there at the end, the peace of mind in addition !
You are an independent who wants maximum services ?
Finom, the economic offer that will accompany you
Finom is a Online pro account Created by entrepreneurs, for entrepreneurs.
The advantage is that you can start with the solo offer which is inexpensive, at € 5 monthly excl. For example to increase your number of transfers included, or benefit from more advantageous cashback if your employees pay regularly by card.
On the other hand, Finom, launched at the end of 2020 in France, has not yet been adapted to all activities. For example, if the collection of checks or transfers in foreign currencies are essential for you, go your way (at least for the moment). To dig if Finom is suitable for your business, Consult our detailed opinion !
I create and develop my business with Finom !
Propels by CA: the new solid competitor of the pro online accounts !
Arrived more recently than the others on the market, propels by it is far from being born of the last rain ! Based on Blank’s experience and the Crédit Agricole group, here is a professional account that should know how to make a place.
From € 8 HT per month you will already have a good level of service (including a card, an almost unlimited number of transfers, a quote and invoicing module). And to that are added Several resources to support you in your entrepreneurial adventure. Articles to respond to your issues or events to extend your network for example.
My online pro -online crédale agricultural account to undertake !
Our opinion on Anytime, the ultra complete pro account
⚠️ Temporarily impossible registrations ⚠️
Anytime has an offer fairly close to that of Shine and Qonto. We appreciate the extent of its services (maybe even the most provided range of solutions among all the pros analyzed), as well as the solidity brought by belonging to a group like Orange. For more information, you can consult Our detailed opinion on the Pro Anytime account.
Get started, open a professional account at Anytime
Our opinion on the Pro Branch of Boursorama
Boursorama Banque launched its pro account in reaction to neobanques. Due to her seniority, she enjoys some advantages:
- The bank offers a checkbook;
- This is the only pro online account to allow an overdraft;
- It is also the only pro online bank to offer a paid booklet (0.05% per year)
Now, unless one or the other of these features interests you, we will rather advise you to opt for one of the pure players mentioned above.
You want the comfort of a big bank, go to Bourso and take advantage of € 80 offered !
frequently asked Questions
What is the best professional account if I am a self -employed entrepreneur ?
There is not one who is the best in absolute terms, on the other hand there is one who is the best to meet your needs. It has been more than 5 years since Shine is revolutionizing the pro bank for micro entrepreneurs (formerly self -employed). But there is also Hello Bank! Pro which is a mix of neobank and traditional services (it is a subsidiary of BNP Paribas). Or Blank, which offers a very competitive price at € 6 excl. Tax per month, with nevertheless 30 transfers / SEPA samples included. This professional account also accepts EURL (among others).
Do Pro online banks offer all means of payments ?
All professional accounts allow you to make transfers / samples (one number per month, which varies according to your subscription), and are generally accompanied by a bank card, visa or mastercard. This will allow you to adjust directly, or to remove species (paid service in most or limited to a certain number per month). On the other hand, almost all the new actors will not provide you with checkbook, if not the most classic like Hello Bank! Pro or Boursorama.
Is it possible to have an authorized overdraft (cash facility) with pro neobancs ?
Many of them are payment establishments (Qonto, Anytime, Finom, etc.), not credit institutions. However, this status is needed to allow its customers to be uncovered. Only Hello Bank! Pro and Boursorama offer this service.
Removal of species: is it paying ?
It will depend on the establishment chosen as well as your subscription. At Qonto it can be € 1 per withdrawal, as being unlimited with the X card. The most frequent is to have a few free withdrawals each month, then they are paid afterwards (€ 1 or € 2 per withdrawal).
The payments are they unlimited with these economic online offers ?
Some types of payments are not free and unlimited. For example, payments by transfer or sample are often limited according to the chosen subscription. Nevertheless at Hello Bank! Pro or trustee bank transfers are unlimited.
Online professional accounts accept all types of companies (SA, SARL, etc.)) ?
It will depend on the actors. Qonto, Anytime or Fiducial Banque generally accept all the statutes, including associations. On the other hand Hello Bank! Pro for example is only for the self -employed (micro enterprise, IS, EIRL).
Which pro online banks offer a French IBAN ?
Most of the players in the online professional accounts market offer French IBAN. The entire selection of our comparison provides its customers with a French IBAN. On the other hand in early 2023 an actor like N26 does not offer Iban starting with fr.
Is there a free bank account for associations ?
The online pro accounts offer sponsorship programs ?
Like most online banks for individuals, professional accounts have sponsorship programs to reward those who bring them new customers. For example, you can earn € 80 per godson thanks to the Qonto sponsorship program. On the other hand, to our knowledge there is no generic qonto promo code to benefit from reductions. For Shine, it’s a bit the same. Consult our page dedicated to the promo and Shine sponsorship code for more information.
Passionate about financial services, Hadrien is a former consultant curious about alternative investment modes (crowdfunding, cryptocurrency, . ))
Pro bank
Compare and choose the Pro Bank most suited to your needs and your legal status. Discover your obligations and how to choose your professional bank account thanks to our detailed guide.
Our selection of the best professional banks
Qonto
The independent note.Io is determined by our team. The score obtained includes several factors including the price, customer reviews and the services offered (non -exhaustive list).
Qonto is an online professional bank account which is aimed at all the independents and companies looking for an account at the clear, transparent and without hidden price. Ergonomic interface and management of costs. Read our reviews on Qonto
On the secure Qonto site
Shine
The independent note.Io is determined by our team. The score obtained includes several factors including the price, customer reviews and the services offered (non -exhaustive list).
Shine offers a modern professional bank account adapted to all entrepreneurs looking for an affordable price and quality service (customer service 7 days a week and inclusive billing software). Read our reviews on Shine
On the secure shine site
Finish
The independent note.Io is determined by our team. The score obtained includes several factors including the price, customer reviews and the services offered (non -exhaustive list).
Finom is an affordable professional bank account for professionals and small businesses, which offers four pricing formulas. Billing module included and cashback from paid plans. Read our reviews on Finom
On the secure finom site
Hello Bank! Pro
The independent note.Io is determined by our team. The score obtained includes several factors including the price, customer reviews and the services offered (non -exhaustive list).
Hello Business is the professional account offered by Hello Bank! PRO AUTO-ENTREPRENEURS AND Individual companies. With a wide range of banking service, including cash facility and cash collection, it has everything to appeal to liberal professions, traders or artisans. Read our reviews on Hello Bank! Pro
On the secure site of Hello Bank! Pro
Blank
The independent note.Io is determined by our team. The score obtained includes several factors including the price, customer reviews and the services offered (non -exhaustive list).
Blank is the modern professional bank account, with many services for entrepreneurs, an affordable rate and several professional insurance. Read our reviews on Blank
On the secure Blank site
Monabanq Pro
The independent note.Io is determined by our team. The score obtained includes several factors including the price, customer reviews and the services offered (non -exhaustive list).
Monabanq offers a professional bank offer dedicated to auto-entrepreneurs. We appreciate an affordable account, quality customer service, and the possibility of collecting checks and species as well as legal protection. Read our reviews on Monabanq Pro
On the secure site of Monabanq Pro
Propels by ca
The independent note.Io is determined by our team. The score obtained includes several factors including the price, customer reviews and the services offered (non -exhaustive list).
Propels by CA is a 100% online professional bank account supported by Crédit Agricole. With many services and products designed for self -employed and entrepreneurs, it offers a modern, competitive and promising offer. Read our reviews on Propulse by Ca
On the secure propelse by Ca site
Trustee
The independent note.Io is determined by our team. The score obtained includes several factors including the price, customer reviews and the services offered (non -exhaustive list).
Fiducial Banque is an online pro bank specially thought of for entrepreneurs and very small businesses, it offers adapted formulas with reduced costs to allow companies to find solutions adjusted to their projects. Read our reviews on Fiducial Banque
On the secure site of Fiducial Banque
Revolut Business
The independent note.Io is determined by our team. The score obtained includes several factors including the price, customer reviews and the services offered (non -exhaustive list).
Revolut Business is a very suitable professional bank offer for companies that make many transactions abroad, thanks to its multi-end banking account and international transfers at the interbank exchange rate. Read our reviews on Revolut Business
On the secure Revolut Business site
N26 Business
The independent note.Io is determined by our team. The score obtained includes several factors including the price, customer reviews and the services offered (non -exhaustive list).
N26 Business is a free professional bank account for micro-entrepreneurs only. Mastercard included. We appreciate the cashbasck up to 0.5%, but we regret a little German Iban. Read our reviews on N26 Business
On the secure site of N26 Business
Banque Pro: The guide to choose the right !
What is a professional bank ?
Definition
Before going into detail, let’s take a few minutes to the principle of the pro bank. In fact, it is necessary to distinguish two types of offers:
- Banking players dedicated to professionals, who are only intended for corporate and professionals clientele (such as Qonto or Shine for example);
- The so -called “classic” banks, which offer offers to individuals, but also to professionals thanks to formulas dedicated to this clientele, via specific professional bank accounts (such as Crédit Mutuel or LCL).
To simplify, we will talk about both, as long as the bank offers an offer for this clientele. As a reminder, this is not the case with all banks and some, like ING, only accept private customers.
A few words on the market for professional banks in 2023
For years, entrepreneurs and professionals as faced with a very limited banking offer. Indeed, the professional offer was only offered by network banks and at very high prices.
We are at the fourth update of this guide, and since its original writing, things have changed a lot. We have seen new banks and online professional accounts that promise a modern and competitive offer. Often, it was even entrepreneurs who decided to create the bank they dreamed of for their business ! And to stay in rank, traditional banks are starting to expand their offers with online bank accounts dedicated specifically to professionals.
All seek to best meet the needs of entrepreneurs. Among the best known online bank accounts, let us quote Qonto, Shine or Manager.One. Launched more recently, Finom, Blank or Propulse by Ca is already gaining ground. On the side, online banks, Monabanq Pro and Hello Bank! Pro also hold a major place in the French banking table.
The advantage for you is that the prices are now much more affordable, and especially that it is possible to find a service offer perfectly suited to your needs.
To whom the professional banks are addressed ?
As their name suggests, these banks are aimed at a customer of professionals but also of companies. Craftsmen, liberal professions, entrepreneurs, freelancers. All need a dedicated professional bank account. Regarding the accepted statutes, it obviously depends on the banks. But all the statutes (SAS, SARL, Auto-Enterprise. ) will find at least one suitable offer in our comparison.
| Pro bank | Auto-entrepreneur / EI | SASU / EURL | SAS / SARL | SC | Association |
|---|---|---|---|---|---|
| Qonto | Yes | Yes | Yes | Yes | Yes |
| Shine | Yes | Yes | Yes | Yes | No |
| Finish | Yes | Yes | Yes | Yes | No |
| Hello Bank! | Yes | No | No | No | No |
| Axa Banque Pro | Yes | No | No | No | No |
| Blank | Yes | Yes | Yes | Yes | N/C |
| N26 Business | Yes | No | No | No | No |
| Monabanq Pro | Yes | No | No | No | No |
| Trustee | Yes | Yes | Yes | Yes | Yes |
| Propels by ca | Yes | Yes | Yes | Yes | No |
| Manager.One | Yes | Yes | Yes | Yes | Yes |
| Revolut Business | Yes | Yes | Yes | Yes | Yes |
| Wise | Yes | Yes | Yes | No | Yes |
Table statutes accepted from pro banks
In general, all so -called traditional banks accept all legal forms, through one or more offers. On the other hand, even if they certainly meet your needs, be careful about the prices: difficult to read and rather high. So this is not always the best offer you can find. Remember to compare several proposals well !
Is it mandatory to take a professional bank account ?
Obligations that differ according to business statutes
The doubt reigns among entrepreneurs who are launching: Is the pro bank account compulsory ?
Choosing a bank only dedicated to professionals is not compulsory. You can completely choose a professional offer in a “classic” bank. On the other hand, it is important to remember that your obligations in terms of professional bank account depend on your status:
- Companies have the obligation to open a dedicated professional bank account to file the share capital;
- Individual companies (and micro-enterprises) have the obligation to use a dedicated account as soon as their turnover is greater than € 10,000/year for two consecutive years (article 94 of law n ° 2014-1554 )).
In the second case, this dedicated account allows you to separate your professional bank movements from your personal activities (more practical in the event of tax audit). But, and this is an important nuance, you do not have to opt for an offer intended for professionals. Indeed, you can choose a classic current account in the bank of your choice.
Note that micro-enterprises or sole proprietorships that achieve an annual turnover of less than € 10,000/year have no obligation to have a professional bank account dedicated to their activity as long as they do not exceed this threshold.
That being said, a professional bank account has many advantages of which it would be a shame to do without.
So, to summarize, the professional bank account is compulsory for a majority of entrepreneurs and independent. And if you still hesitate, let’s take a closer look.
The advantages of professional accounts not to be overlooked
Even if it is not compulsory for everyone, choosing a professional bank account is undoubtedly the most recommended option. This will allow you more easily to services dedicated to professionals and businesses:
- financing solutions (long -term short);
- Many means of payment and collection (business cards, virtual cards, payment terminals, online collection, etc.);
- management tools (invoicing, costs of costs);
- Additional services (insurance, legal assistance, etc.).
Remember that many professional banks of our comparison will change your vision of the bank when you see the number of services available.
What services are offered by banks to professionals ?
Basic services
Whether online, in agency, dedicated to professionals or not, a professional bank generally presents these services to the minimum:
- current account : opening, holding and consultation of your account;
- bank statement : monthly, quarterly or annual;
- Rib : to receive transfers or be taken;
- collection means : minimum transfers, checks, species, VSEs;
- means of payment : cards, transfers, minium samples, but also checkbook, bank check.
Concerning the means of collection and payment, some have developed simple offers and do not offer, for example, cash collection or payment by check. As we will see later, these elements are therefore one of the most important criteria to choose the offer adapted to your needs.
In addition services
This is where the offer of accounts and banks 100% dedicated to professionals is distinguished from the classic offer of banks for individuals. Indeed, they have understood your expectations well and above all seek to simplify your daily life as an entrepreneur.
So, among the services that surely interest you, we can find:
- online capital deposit : accelerate the creation of your business and receive your Kbis quickly thanks to the online share capital deposit;
- Corporate cards : Enjoy high -end business cards with high withdrawal, payments and assistance ceilings;
- virtual cards : Manage the ceilings and lifespan of these cards to pay safely on the Internet and facilitate the management of costs;
- payment terminal : cash your customers in store or mobility and receive the money directly to your account;
- Overdraft : Useless for some professionals, crucial for others, the overdraft works as short -term funding;
- savings solutions : make your cash flow with savings solutions dedicated to companies;
- financing solutions : finance your activity in the short and long term thanks to credit, factoring or other products;
- Online collection : Receive your customers directly online via the integration of payment links or monetic solutions;
- billing software : emit quotes and invoices directly from your professional bank account;
- Access and/or accounting export : Facilitate accounting thanks to formatted exports and dedicated access to your accountant;
- Fresh note software : easily manage the costs of costs by allowing your employees to send the supporting documents directly;
- Swift transfers : pay and pay abroad if your activity requires it, without necessarily paying too many costs.
You will understand, the professional bank in [Year] has changed a lot, and that’s good !
How much is a professional bank account ?
This is the only criterion of choice for some. And yet, you will see that the price is not our criterion of main choice of a professional bank, even if we have included many affordable offers in our comparator: Shine and Qonto for companies and Axa Banque Pro or Hello Bank! For self-employed people for example.
The free professional bank account is there ?
Before getting into the details of the average prices, let’s answer a question that often comes up.
Is there a free professional bank account ?
Let’s say it right away, a professional bank is never free. No wonder for most of you, but it never hurts to explain it. After all, as individuals, we are regularly exposed to advertisements praising the “free” online bank. In reality, banks have significant operating costs, which are obviously reflected in the price of your bank account through bank charges, such as the movement commission for example.
In short, we have sought well and we did not find a 100% free professional bank.
That said, you should know that some professional bank accounts are still announced as “free”. In reality, in these accounts, some costs are actually free, but others are paid and/or limited. Here is the list of costs offered most of the time in a “free” professional bank account:
- opening costs;
- Management costs (no monthly subscription);
- bank card (most of the time);
- online bank access and/or mobile bank;
- transfers received and issued in the euro zone;
- Permanent transfers ;
- CB payments in the euro zone.
According to banks, some free banking offers require certain limits, such as the number of withdrawals for example, or even the statutes accepted. Also, other costs are always present and sometimes at rates ultimately higher than in a paid offer:
- the costs linked abroad (withdrawals, transfers outside the euro zone, exchange rate. );
- The overdraft (when authorized);
- withdrawals (often beyond a certain number);
- intervention costs (regularization letter, irregularity management, unofficial check. );
These free bank accounts can quite suit certain entrepreneurs who are launching, simple or specific needs or as long as a secondary account. But not everyone ! The free professional bank account is therefore a semi-illusion.
| Bank | Accepted statutes | Bank card | The extra thing |
|---|---|---|---|
| Axa Banque Pro | Auto-entrepreneur and IS only | Included | Means of collection and payment |
| N26 Business | Auto-entrepreneur and IS only | Included | Cashback |
| Revolut Business | All statutes | Optional | Multi-Devision account |
| Wise | All except SCIs | Purchase 4 € | Low costs on international transfers |
Comparative table of free professional bank accounts
Some entrepreneurs still manage to obtain a really inexpensive offer by slaloming between the costs. Let us quote for example auto-entrepreneurs, who may turn to the AXA Bank Auto-Entrepreneur account, which is without subscription, with free card and without costs. But it requires fulfilling certain conditions (rather easy to reach anyway). If you treat a lot with foreigners, Revolut Business or Wise will earn all the pro accounts online with its really very low costs on transfers with and from abroad.
For companies, it gets complicated. Not having access to offers reserved for individuals as is the case for self-employed entrepreneurs, companies and professionals with another status can only seek a “cheap” professional bank account.
The average prices of a professional bank account
So how much your pro bank account will cost you ?
The price first depends on your status. In general, bank accounts for auto-entrepreneurs or those for liberal professions are often more affordable than for companies.
The price also depends on the establishment in which you open your account and the chosen services. Traditional banks have higher average tariffs (especially because of the movement commission), but a more complete service offer (savings, authorized discovery, payment terminals. )). Professional neobancs or online pro accounts are on the whole cheaper, but with smaller services. It’s up to you to see according to your needs.
To summarize, here is a summary of the rates observed among the best offers of our comparison of pro accounts and banks:
| Pro bank | Monthly price noted (from, ht) | Type of account | Account holding fees | CB | Offer |
|---|---|---|---|---|---|
| Qonto | 9 € | Online bank account | Included | Included | 30 days offered |
| Shine | € 7.90 | Online bank account | Included | Included | 30 days offered |
| Finish | 5 € | Online bank account | Included | Paid | 30 days offered |
| Hello Bank! | € 10.90 | online bank | Included | Included | See the offer |
| Axa Banque Pro | 0 €* | online bank | Included | Included | free account |
| Blank | 6 € | Online bank account | Included | Included | 30 days offered |
| N26 Business | 0 €* | Online bank account | Included | Included | free account |
| Monabanq Pro | 9 € | online bank | Included | Included | 30 days offered |
| Trustee | 12 € | online bank | Included (with limit) | Included | See the offer |
| Propels by ca | 8 € | Online bank account | Included | Included | 30 days offered |
| Manager.One | € 29.99 | Online bank account | Included | Included | 30 days offered |
| Revolut Business | 0 € | Online bank account | Included | Optional | free account |
| Wise | 0 € | Online bank account | Included | Included | free account |
COMPATAIF TABLE TABLE Prices for the best professional bank accounts
*only for self-employed
On the side of traditional banks, prices are generally more complex.
It will take several tens of euros per month, with additional costs sometimes applied. Only auto-entrepreneurs can hope to find formulas around ten euros per month. But in both cases, pay attention to their pricing grids, read the small lines well and do not hesitate to request a clarification from your advisor !
How to choose a pro bank in 2023 ?
Compulsory or essential, you must now choose a bank for your professional account. You have understood, the choice is vast and it is sometimes difficult to navigate and even more to make a choice. To help you, here are some tips for finding your professional bank for your professional activity.
Above all, remember that there is no better professional bank for everyone. It is above all a question of asking the right questions and analyzing all the criteria to choose the best offer for your activity.
Services and features
To start, we advise you to define your banking needs well, this is the main criterion. So you have to assess:
- the means of payment you need: business cards, checkbook, transfer, virtual cards,…;
- the collection means you want to offer to your customers: transfer, check, species, electronic payment terminal, online collection;
- If you want to deal with a personal advisor or not;
- If you prefer to go to an agency or if an online management remotely suits you;
- insurance or savings products to which you can (or may) need;
- the need for professional credit (short term, medium term or long term);
- The way you manage your accounts (alone, with a chartered accountant, with what software, etc.);
- Your specific needs: payments abroad, foreign transfers, exchange of currencies, etc;
- If you must make a capital deposit (in the event of a business creation).
Our advice This step is crucial, and will clearly help you know which bank to choose for a professional bank account.
Here is a summary table of the main services offered by the banks of our comparison.
| Pro bank | Check | Species collection | Check collection | Funding | Capital deposit |
|---|---|---|---|---|---|
| Qonto | No | No | Yes | No | Yes |
| Shine | No | Yes | Yes | Yes | Yes |
| Finish | No | No | No | No | Yes |
| Hello Bank! | Yes | Yes | Yes | Yes | N / A |
| Axa Banque Pro | Yes | Yes | Yes | No | N / A |
| Blank | No | No | Yes | No | Yes |
| N26 Business | No | No | No | No | No |
| Monabanq Pro | Yes | Yes | Yes | Yes | N / A |
| Trustee | Yes | Yes | Yes | Yes | Yes |
| Propels by ca | No | No | No | No | No |
| Manager.One | No | Limit | Yes | No | Yes |
| Revolut Business | No | No | No | No | No |
| Wise | No | No | No | No | No |
Banking services for the best banks for professionals
The authorized overdraft but also savings for example are only available in traditional banks and certain online banks. Online pro accounts that offer species collection are also rare.
To decide between, you can also look on the side of the “small ones” created to make life easier for entrepreneurs and independent. We think of the tools for the management of costs, invoicing or even accounting. Integrated into the online account management application, they are designed to save you time.
Legal status
Once these needs have been defined, choose according to your status.
Banks that accept auto-entrepreneurs do not necessarily accept companies for example. You will then have to turn to an online pro account for Sasu, a professional account for SARL or the equivalent on the other statutes.
Then interested in the prices (but only then) of the pro banks. Thanks to our comparison, you will quickly realize that pro banks are practicing prices ranging from simple to triple for similar services. Even if we try to translate them for you, we suggest that you always read in detail the pricing grids to understand the standard costs, but also and above all all the additional costs, which depend in particular on your use of the account.
To resume only an example already quoted, if you have a lot of movements linked abroad, then you will save money by turning to an offer like that of Revolut Business or Wise.
Network banking establishment, online banking or online bank account for professionals ?
Choosing the right offer necessarily involves asking this question. If most entrepreneurs have previously appreciated the presence and advice of a physical banking advisor, more and more professionals and businesses turn to an online account online.
For what ? Quite simply because the costs of traditional banks are very high in comparison with online banks or payment establishments (such as Shine, Qonto or Blank . )).
The price therefore varies according to your status, but especially according to your use of the professional bank account.
We thus go from the self-entrepreneur to simple needs, which pays its account 0 € per month card included, to the company which will pay 30-60 € per minimum month in a network bank, not to mention many additional costs. We therefore come back to the criterion of main choice, namely your banking needs.
The main argument which still pushes entrepreneurs to keep their professional bank account in a traditional bank often remains credit, still unavailable in payment establishments. On this subject, do not hesitate to use our professional credit calculator if you need funding for your business.
How to open your account in a pro bank ?
Once chosen, you just have to open your professional bank account. It will be necessary to follow the professional account opening procedure and provide certain documents. Let us recall the brief here (according to legal forms):
- proof of identity;
- proof of domiciliation;
- the statutes project;
- Proof of registration.
Regarding the procedure, you can perform it 100 % online with some of the actors in our comparison. But others such as traditional banks will require an agency trip.
How to close your account to change professional banking ?
If our comparison has convinced you to change your pro bank, then you will have to close your current bank account. The procedure is quite simple and quick.