Professional bank account: is it compulsory

Opeating a professional account has many advantages for your daily activities, as a manager. The primary goal of this type of account remains to meet your needs and those of your business.

Can I open a professional bank account ?

To open your professional account online simply, use Anytime, the subsidiary of Orange Bank for pros. Anytime offers you an intelligent pro account to simplify your business life from € 9.50 per month, with 1 month offered for Orange Bank customers.

• 100% online from the app
• Notification of real -time banking operations
• 0 hidden costs no additional costs
• Opening your PRO account in 48 hours
• Tailor -made and customizable offer

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Professional bank account: is it compulsory ?

At the time of the creation of the company, the question of the bank account arises. As manager, can you turn to any type of account or are forced to open a professional account ? It all depends on the status of your business. In this case, when should be opened a professional account and in which cases is it optional ? What are the advantages related to the professional bank account ? Orange Bank’s answers and advice.

Should we open a professional bank account ?

Opening a professional bank account is very useful for your daily activities, namely:

• Perform your professional transactions – Payment of invoices of your suppliers, collection of customer invoices, wage payment, tax payments and social charges, etc. ;
• Separate your professional operations from those carried out as an individual and avoid accounting or even tax errors;
• subscribe to services specially dedicated to professionals;
• Name cotturies or agents different from your particular current account.

In what cases is the professional account compulsory ?

The opening of a professional account is compulsory ? In reality, it all depends on the legal status of your business. In detail, the bank account is compulsory for all companies with share capital such as:

• Limited liability unprepersonal companies (EURL);
• Anonymous societies (SA);
• Simplified joint -stock companies (SAS);
• Limited liability companies (SARL), etc.

The reason is simple: at the time of the creation of these companies, the partners and shareholders must file a starting share capital on a separate bank account, on behalf of the company. Without professional bank account, it is impossible to obtain a certificate of deposit of funds, a necessary document in order to register the company. More simply: without professional bank account, you cannot create your business.

Can the professional bank account be optional ?

The opening of a professional bank account remains optional for all individual companies. In this case, there is no share capital and the identity of the company is that of the manager.

However, since the PACTE law of May 22, 2019, all self-employed workers, including micro-entrepreneurs, have been forced to open a bank account dedicated to their activity if their turnover exceeds 10,000 euros for two consecutive calendar years.

But a dedicated account is not a professional account. This can be a personal account linked to your activity. The important thing is above all that the account of your activity is no longer attached to the current account with which you make your daily purchases and transactions.

Why open a professional bank account ?

The opening of a professional bank account remains optional for all individual companies. In this case, there is no share capital and the identity of the company is that of the manager.

However, since the PACTE law of May 22, 2019, all self-employed workers, including micro-entrepreneurs, have been forced to open a bank account dedicated to their activity if their turnover exceeds 10,000 euros for two consecutive calendar years.

But a dedicated account is not a professional account. This can be a personal account linked to your activity. The important thing is above all that the account of your activity is no longer attached to the current account with which you make your daily purchases and transactions.

Why open a professional bank account ?

Opeating a professional account has many advantages for your daily activities, as a manager. The primary goal of this type of account remains to meet your needs and those of your business.

This provides you with suitable financing offers (long-term rental, leasing, etc.) but also management solutions in order to make your life easier. As a professional, you can have access to a wide choice of means of payment – checks, bank cards – adapted to your activity.

The opening of a professional bank account can also be synonymous with daily support by advisers who support you in the management and monitoring of your account. To meet your needs, you can provide regular points in order to find the solutions adapted to your activity.

At Orange Bank.

To simply manage the finances of your business, Orange Bank invites you to discover the professional account and all the services of its subsidiary Anytime. This online account is very easy to open, and gives you access to a large number of real -time financial services and innovative options that will facilitate everyday life.

Better still: Anytime provides you with attractive prices, much lower than in a traditional banking establishment, and without hidden costs. With Orange Bank, you are perfectly supported and you can devote yourself calmly to your professional activity.

Your intelligent pro account with Anytime

Anytime, the subsidiary of Orange Bank, reinvents financial services for pros. Give your business the best with a simple to open to open and without hidden cost, simplified accounts, cards to manage expenses within your team, insurance and services to easily pilot your activity. With Anytime you save time to focus on the heart of your activity.

Orange Bank, so simple, so mobile bank.

Anytime SA, SA in Belgian law – 326 avenue Louise, 1050 Brussels – Registration number: 846315003 – Agent of payment service providers.

Anytime is a subsidiary of Orange Bank – SA with capital of 924 775 712 € – 67 rue Robespierre – 93107 Montreuil Cedex – 572 043 800 RCS Bobigny – ORIAS n ° 07 006 369 (www.orias.Fr)

Orange Bank – SA with capital of 898 775 712 € – 67 rue Robespierre – 93107 Montreuil Cedex – 572 043 800 RCS Bobigny – Orias n ° 07 006 369 (www.orias.Fr).

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Pro Orange Bank account: can we open a professional account ?

Can we open a professional account at Orange Bank, or Orange online bank reserved for private customers ? We have consulted the general conditions of Orange Bank to learn more about the possibility of opening a pro account.

No Pro Orange Bank account yet

No Pro Orange Bank account for companies, SASU, SAS ..

In order to know if it was possible to open an Orange Bank pro account, and thus take advantage of the advantageous prices of the online bank, we went to see in the general conditions. Here is what they say: ” [The account] is Reserved for private use. You cannot therefore use your account or payment methods for professional activities. »»

The general conditions of the Orange Bank offer are therefore very clear: Impossible to take out a professional account at Orange Bank for a company. It is not possible either for an association. Companies wishing to obtain a bank account at a lower cost must therefore find an alternative to the Pro Orange Bank account.

And for self-employed ?

What the law says ? A self-employed person (now called micro-entrepreneurs) must must have a bank account To collect your revenue, take out your expenses or even pay your salary. This account must be opened no later than a year after the declaration of creation of his business. The auto-entrepreneur will only be exempt from opening a dedicated account if it generates less than € 10,000 in annual turnover for two consecutive years.

However, the law specifies that this account should not Not necessarily be a professional bank account. It can be a Second individual account, simply provided that it is separated from the account that the auto-entrepreneur uses for his personal expenses.

Thus, theoretically, an auto-entrepreneur could actually open a Pro Orange Bank account.

At Orange Bank: However, the customer still comes up against general conditions, which prohibit the use of the Orange Bank account for all professional activities, including self-entrepreneur. Of course, the consumer can open an orange bank account by declaring private use, then use it for his micro-enterprise, but he then exposes herself at the end of his account by the bank if it realizes that the account is used as a pro account.

Note : other online banks require the same restrictions as the Pro Orange Bank account. There is thus no professional account Hello bank, Fortuneo or ING.

Orange Bank prices

The impossibility of using the account as a pro account is a shame, because the orange bank prices are particularly advantageous. Indeed, the online bank offers two offers ::

• Account with Visa Classic: free, Without income condition. However, you must carry out at least three payment operations per month, otherwise € 5 will be deducted the following month.
• Account with premium visa: € 7.99/month, Without income condition or use of the card.

• Transfers and samples: free
• Withdrawals: free
• Withdrawals and payments outside the euro zone: 2% (free with the premium visa card)
• Means of payment insurance: free
• Sending the checkbook by registered mail: 5 €
• Intervention commission : free

Alternatives to the Orange Bank pro account

If there is therefore no pro Orange Bank account, other online and neobanc banks, however, market accounts dedicated to professionals. Below, we read alternative online pro accounts to the pro Orange Bank account, for businesses and for auto-entrepreneurs.