But not all offers are created equal. And above all, they are not aimed at the same profiles. An auto-entrepreneur will need flexibility and mobility. An SASU manager will be looking for a structured tool for registering share capital and automating workflows. An SME, on the other hand, will expect advanced functionality, robustness and, in some cases, human support.
So, which pro bank should you choose according to your status? In this guide, we decipher the best options according to your situation, and help you make an informed, useful choice that’s truly adapted to your professional needs.
The best pro banks according to your status
For auto-entrepreneurs: simplicity and efficiency: when you’re starting out on your own, you’re looking for a fast, simple, mobile and inexpensive banking solution. A pro account is not compulsory for sales under €10,000 a year, but it is highly recommended for greater clarity and to separate personal and business flows.
Our recommendations:
Shine modern interface, integrated invoicing, URSSAF reminders and responsive support.
Hello Business: complete offer with card, authorized overdraft and management tool.
Propulse by CA The reliability of a major French bank, simple and accessible.
The essentials: rely on neobanks specialized in supporting the self-employed.
SASU / EURL: structure your management from the outset
Setting up a company involves opening a dedicated business account, which is required to deposit of share capital. But beyond this formality, you need a banking tool capable of evolving with your structure.
Suitable banks :
Qonto online certificate of deposit, ultra-fluid interface, powerful accounting tools.
Blank Blank: estimates, invoices, expense reports, all 100% mobile, with integrated business insurance.
Manager.one: ideal for tech-savvy managers, with user roles and automation.
Tip: check that the bank provides a valid certificate of deposit for INPI or the Registrar’s Office.
SMEs and VSEs: reliability, performance and advanced tools
SMEs and VSEs have more advanced banking needs: team management, expense control, accounting compatibility, even international operations. New-generation neobanks like Qonto Business and Finom are positioning themselves as genuine alternatives to traditional banks.
Recommended solutions:
Qonto Business: an account designed for growing businesses, with multi-user access, physical and virtual cards, sub-accounts, automated accounting export and premium customer support.
Finom: an innovative solution for SMEs, with cashback on payments, fine-tuned expense management per user, integrated invoicing and real-time synchronization with accounting tools.
Wise Business: ideal for companies with international flows. It offers multi-currency accounts and highly competitive exchange rates.
Tip: choose a neobank that combines user-friendliness, security, automated accounting and savings on day-to-day transactions.
Comparison: which bank to choose according to your status?
|
Bank
|
Ideal for
|
Price/month
|
Capital deposit
|
Accounting integration
|
|---|---|---|---|---|
|
EI, EURL and SASU
|
From € 7.90
|
|
Yes
|
|
|
SASU, PME - TPE
|
From €9
|
|
Yes
|
|
|
Freelance, SASU
|
From €6
|
|
Yes
|
|
|
SCI, SARL, EURL, EI
|
From €10
|
|
Yes
|
|
|
Self-employed contractor
|
From €10.90
|
|
Yes
|
Our tips for choosing your pro account
Clarify your needs: billing tool? Capital deposit? Multi-card?
Compare hidden charges: withdrawals, transfers outside the SEPA zone, commissions…
Check the reputation of customer support: essential in the event of a blockage or incident.
Prioritize integrations: with your accounting software, CRM or Stripe, for example.
The best pro bank depends above all on you
There’s no such thing as the best universal business bank. There’ s the best one for your business, your habits and your ambitions. Whether you’re a freelancer, the head of a SASU or the creator of a very small business, you’ll want to choose an offer that’s adapted to your needs, and not just the cheapest. Discover our complete pro bank comparison
FAQ
No, unless your sales exceed €10,000 for two consecutive years. However, opening a dedicated pro account is still advisable to clarify your financial flows.
Neobanks such as Qonto, Blank and Legalstart, via banking partners, enable you to file your share capital 100% online, and receive a certificate of compliance for the Registrar's office.
Choose a bank with a capital deposit, billing tools, accounting automation and good support. Qonto and Blank are excellent choices.
Qonto Business, Wise Business or a traditional bank, depending on your cash flow and international presence.
No, if you are a company (SASU, SARL, etc.). An account in the company's name is mandatory. For auto-entrepreneurs, a separate account is sufficient under certain conditions.
No, if you are a company (SASU, SARL, etc.). An account in the company's name is mandatory. For auto-entrepreneurs, a separate account is sufficient under certain conditions.
