Discover our selection of the best online professional banks, designed to meet the specific needs of businesses. Offering innovative solutions and personalized services, these online business banks simplify account management, provide advanced cash management tools and offer dedicated customer service. Enjoy maximum flexibility, low fees and 24/7 accessibility to manage your finances wherever you are.
Abby is all-in-one online management software for freelancers, auto-entrepreneurs and small businesses. Easily manage your invoicing, accounting and cash flow from an intuitive interface, and save time every day.
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Blank is the ideal neobank for freelancers, auto-entrepreneurs and the self-employed. Manage your business account, invoices and cash flow simply, securely and intuitively from an all-in-one application.
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Hello Bank Pro is a complete banking solution for professionals, offering bank accounts, invoicing tools, expense management and financing tailored to the specific needs of businesses and the self-employed.
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Monabanq is a French online bank offering a complete range of banking services for individuals. It stands out for its flexibility, personalized services and commitment to an enhanced customer experience.
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Propulse by CA is a 100% online platform combining pro account, invoicing and management tools for entrepreneurs, freelancers and auto-entrepreneurs. Manage your business simply and efficiently right from the start.
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Qonto is the ideal online banking solution for freelancers, SMEs and startups. Open a pro account in just a few minutes, manage your finances simply and boost your productivity with tools 100% designed for professionals.
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Revolut Business is an all-in-one banking solution designed for businesses, freelancers and startups. Manage payments, currencies, cards and accounting with an intuitive interface and powerful tools to optimize your financial management.
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Choosing the right online business bank is vital for your company’s financial management and cash flow. The evolution of neobanks and online banks has opened up a wide range of financing solutions tailored to every business. These banks offer easy remote management, free SEPA transfers, cheque cashing facilities and professional bank cards, simplifying your financial management.
Regardless of your status – freelancer, micro-entrepreneur or VSE/SME manager – understanding the advantages of online business banks is essential to choosing the right one for your needs. We’ll guide you through selection criteria, business needs assessment and the best options available, to help you make an informed decision.
Online pro banks offer a variety of essential services, designed to simplify and optimize financial management for businesses.
Real-time cash management is one of these services, offering the ability to track transactions and manage budgets efficiently.
Automated accounting tools, such as pre-filled URSSAF declarations and accounting exports, are key functionalities that automate administrative and accounting tasks.
Business bank cards, including virtual cards, provide flexibility and security for managing team expenses.
Benefits such as free SEPA credit transfers and unlimited SEPA direct debits are essential for companies with frequent financial transactions.
Mobile applications and intuitive web platforms play an important role, enabling financial management to be carried out remotely and in real time, facilitating invoicing, expense management and providing a global view of the company’s activity.
Online pro banks differ from traditional banks in a number of ways.
They offer more affordable and transparent rates, with lower monthly fees and fewer additional costs for day-to-day operations, enabling VSEs and SMEs to reduce the costs associated with managing their business account.
They also provide greater management autonomy, enabling entrepreneurs to manage their finances independently and online, without the need for appointments or travel.
The application process is quick and easy, often taking less than 10 minutes to complete, making it much easier to open an account.
However, traditional banks maintain certain advantages, such as an extensive branch network and access to dedicated experts and advisors, useful for businesses seeking personalized, local support.
What’s more, they often offer a wider range of financial and insurance products, advantageous for companies with complex financial needs.
Choosing an online pro bank means paying particular attention to rates and management fees.
It’s essential to evaluate account opening fees, monthly or annual subscriptions, and account maintenance charges. Online banks, such as Mona banq, often offer more advantageous terms, with monthly fees ranging from 6 to 39 euros, compared with 30 to 50 euros per month for traditional banks.
Costs associated with day-to-day transactions, such as SEPA transfers, cash withdrawals and intervention fees, also deserve special attention. Some online banks offer benefits such as free SEPA transfers and cash withdrawals at competitive rates, reducing costs for your business.
The services and offers of an online pro bank are decisive criteria.
Make sure that the bank offers services adapted to your needs, such as real-time cash management, accounting tools, etc. accounting business cards, including virtual ones, and international payment services.
Innovation is often on the agenda, with services such as automated URSSAF declarations, quotation and invoice generation, and legal assistance.
Ancillary services, such as insurance and expense management features, can significantly simplify the management of your business and reduce the time spent on administrative tasks.
User experience (UX ) is a decisive factor in the choice of an online pro bank.
A platform with intuitive navigation, accessible on a variety of devices, contributes to a smooth user experience. Online banks must offer ergonomic web and mobile interfaces, making it easy to manage your company’s finances remotely.
The clarity of financial information and speed of transaction processing play a major role in the ease of day-to-day management, fostering a positive experience and customer loyalty.
Security and regulation are paramount when choosing an online pro bank. These establishments must adhere to the same security standards as traditional banks, and comply with the regulations of theAutorité de Contrôle Prudentiel et de Résolution (ACPR) and theAutorité des Marchés Financiers (AMF).
Compliance with regulatory frameworks such as Basel III, andsupervision by anti-money laundering organizations, ensure that high standards of security and prudential management are maintained .
An accurate assessment of your business needs is important for the smooth running of your company. It’s important to distinguish between essential services, which are divided into operating, investment and cash flow requirements.
Operating requirements include everything necessary for the day-to-day running of your business: production costs, personnel costs, and other operational expenses.
Financial management tools, such as invoicing, expense management and automated accounting systems, are indispensable.
Payment services such as SEPA transfers, direct debits and payment solutions (business cards, virtual cards) also play a key role in the efficient management of your finances.
Choosing the right business account is essential, and depends on the legal form of your company.
For companies (SARL, SAS, EURL, etc.), opening a business bank account is compulsory, and allows you to clearly separate company transactions, thus facilitating accounting management.
For sole traders, it is essential to determine whether a dedicated personal account or a business account is required, particularly if annual sales exceed 10,000 euros for two consecutive years.
Anticipating your company’s future development is an essential part of the process, and involves forecasting the need for suitable financing solutions for future investments, such as the purchase of new equipment or business expansion. Financial forecasts help you estimate the monthly expenses and sales required to ensure your company’s profitability.
It’s also vital to choose banking services that offer flexibility and adaptability, so you canseize future opportunities and adapt to market changes. This includes access to tailored financing solutions and scalable financial management tools.
To identify the best online professional banks, it is essential to consult comparisons and customer reviews.
Platforms such as Obat, Meilleurtaux Banques and S’investir offer in-depth analyses of offers on the market, facilitating an objective comparison of the rates, services and unique advantages of each establishment.
These resources are invaluable in choosing a bank that meets your specific needs.
Taking advantage of free trial periods is an excellent way to evaluate online pro banks.
Establishments such as Qonto and Shine invite you to discover their platforms for a month without obligation, allowing you to appreciate the ease of use of their management tools, the quality of their customer service, and the suitability of their services to your business requirements.
This first-hand experience is fundamental in determining whether a bank is the right fit for your business model.
Customer service and support play a decisive role in the choice of an online business bank. Responsive customer service, available around the clock, can significantly influence the smooth day-to-day running of your business. Banks such as Qonto, Shine and Fiducial Banque stand out for their exemplary customer support and ongoing assistance.
Personalized support, whether for administrative matters or financial advice, is also important. For example, Fiducial Banque offers personal advisors to guide entrepreneurs through the challenges of financial management, and help them make the right choices.
The selection of an online pro bank can be largely influenced by welcome offers. In their quest to attract new customers, online banks offer welcome bonuses, the amount of which can vary considerably. These range from 10 euros for simple accounts such as those offered by Revolut, to higher sums such as 180 euros or even 280 euros as part of exceptional promotions at establishments such as Hello Bank! or Fortuneo.
These bonuses can take a variety of forms: financial bonuses, exemptions from certain charges for a limited time, or additional services offered fora certain period of time. For example, BforBank attracts newcomers with a bonus of up to 80 euros, plus three months’ free access to the BforZen offer and a 4% rate boost on the savings account for the first three months.
For entrepreneurs looking to streamline their international finances, choosing a bank that offers access to services like Wise for international transfers can be a considerable asset.
Online banks often offer preferential rates specially designed for entrepreneurs, including micro-entrepreneurs and the self-employed.
Shine offers a bank account tailored to the needs of micro-entrepreneurs, starting at just 3.90 euros per month, excluding VAT.
Qonto offers packages for freelancers and larger companies, with rates tailored to their size and requirements.
These advantageous offers can include customizable services, reduced rates on day-to-day operations, and financial management tools designed for start-ups.
Fiducial Banque stands out for its à la carte services, offering transparent and affordable rates, a significant advantage for craftsmen and retailers.
Beyond welcome offers and preferential rates, online banks are also deploying financing and business credit solutions tailored to the diverse needs of businesses. These solutions encompassbank credit, factoring, leasing, and even crowdfunding, demonstrating their ability to offer accurate financial reporting and opportunities to automate financial tasks.
Crowdfunding platforms and digital banks, such as Finom, offer these services online, offering great flexibility and speed in the acquisition of essential financing for business projects. The process of obtaining a business loan online is usually quick and straightforward, requiring the submission of an online application, the sending of the required documents and sometimes an interview with a financial partner.
Business loan brokers can also play a key role in structuring the file and negotiating the best possible banking terms.
To open a business account online, you need to collect certain supporting documents.
Companies must present valid identification for the managing director or president, proof of the company’s address, the SIRET or SIREN number to certify registration with the Registre National des Entreprises (RNE), and the company’s articles of association.
Sole traders or micro-businesses must provide valid identification, proof of address, and sometimes the SIRET or SIREN number.
The bank may also ask for proof of use of commercial premises if the business is located on business premises.
These documents must be downloaded or submitted via the bank’s online form, simplifying the account opening process.
Once the supporting documents have been submitted, the bank’s responsiveness is crucial. Online banks generally commit to processing account applications within 15 days, or even faster for certain services.
Obtaining your bank details (RIB) quickly is essential to start using your pro account and carry out financial transactions.
Rapid acquisition of the RIB is also essential for completing registration formalities and launching business activities without delay, a vital aspect for new businesses subject to precise deadlines.
Once you’ve opened an online business account, it’s vital that youactivate your means of payment as quickly as possible. Online banks often offer business bank cards, including virtual credit cards, which can be activated immediately or shortly after the account has been opened, enabling you to transfer money and pay suppliers, among other things.
Electronic payment terminals (EPTs) and online payment solutions can be set up quickly, ensuring seamless integration into corporate management systems.
This efficiency in establishing means of payment speeds up the start-up of commercial activities and improves the fluidity of financial transactions.
Opting for a professional online bank is an essential strategic choice that can significantly improve your company’s financial management.
You’ll benefit from reduced bank charges, personalized services such as real-time cash management, invoicing and expense management, andautomated accounting tools. Registration procedures are simplified and rapid, guaranteeing optimum responsiveness in obtaining RIBs and setting up efficient payment methods. What’s more, special offers and promotions, such as welcome bonuses and preferential rates for start-ups, offer significant advantages.
It’s a good idea toassess your business needs in detail, compare the best online business banks, and take advantage of the innovative solutions they offer. By acting now, you’ll position your business for optimized financial management, save valuable time and focus more on developing your core business.
The best bank for a self-employed entrepreneur depends on his specific needs, but several options are strongly recommended:
Each option offers significant cost and service benefits, but it’s important to choose the one that best meets your specific needs.
Qonto is not a traditional bank, but a payment institution founded by Alexandre Prot and Steve Anavi in 2016. It offers online banking services for entrepreneurs, VSEs and SMEs, without being a bank in the traditional sense.
In 2025, the top three online banks are :
