1. Shine – an online business account and co-pilot for entrepreneurs
Ratings
- 4.7 on Trustpilot (5,839 reviews)
- 4.6 on Google Play (7.9k reviews)
Features
With more than 120,000 clients, Shine is one of entrepreneurs’ favorite online business accounts.
Voted Customer Service of the Year 2025, Shine lets you speak directly with a human seven days a week — even on weekends.
Beyond being just a bank, Shine is also a certified B Corp and positions itself as a responsible business co-pilot, offering many free tools and resources. You can even get personalized guidance when starting your company.
Key features include:
- Mastercard Business card and virtual cards
- Integrated invoicing and pre-accounting tools
- Comprehensive insurance (Plus & Business plans)
- Expense management tools for teams
- Check and cash deposits
Pricing
Four plans are available to cover all needs:
- Shine Free: €0/month
- Shine Start: €11/month
- Shine Plus: €25/month
- Shine Business: €80/month
✅ Pros:
- Free plan available
- Ideal for freelancers, small and mid-sized businesses
- High-quality support available every day
- Rich set of banking features
- Extra services (company creation help, invoicing, accounting, capital deposit, etc.)
❌ Cons:
- Less suitable for large companies
2. Propulse – a pro account with comprehensive insurance coverage
Ratings
- 3.8 on Trustpilot (424 reviews)
- 3.3 on Google Play (389 reviews)
Features
Propulse by CA is a subsidiary of Crédit Agricole, designed for freelancers and small businesses.
One of its key strengths is the range of insurance options covering professional risks such as delayed trains or flights, lost luggage, or non-delivery of business purchases.
Propulse also supports entrepreneurs with business plan templates and expert assistance for company creation.
Pricing
- Start: €8/month
- Start +: €17/month
✅ Pros:
- Unlimited transfers and direct debits
- Insurance available from the basic plan
- Business creation support
❌ Cons:
- No cash or check deposits
- Limited banking tools
- Not ideal for SMEs or larger companies
3. Qonto – a professional account packed with features
Ratings
- 4.8 on Trustpilot (42,335 reviews)
- 4.7 on Google Play (32.1k reviews)
Features
Qonto is one of the most popular business accounts among entrepreneurs. It’s an independent company offering a complete professional account for all business sizes, including large corporations.
Available features include:
- Physical and virtual cards
- Client payment solutions
- Domestic and international transfers
- Invoicing tools
- Online company creation
- Interest-bearing business account
Pricing
Qonto offers six plans:
- Basic: €11/month
- Smart: €23/month
- Premium: €45/month
- Essential: €59/month
- Business: €119/month
- Enterprise: €249/month
✅ Pros:
- Extensive features for all business sizes
- Interest-bearing accounts to grow cash reserves
- Scales as your company grows
- Suitable for SMEs and larger firms
❌ Cons:
- No cash deposits
- No free plan
4. Revolut Business – the best option for international professionals
Ratings
- 4.6 on Trustpilot (277,312 reviews)
- 4.7 on Google Play (3.61M reviews)
Features
Revolut offers both personal and business accounts. Its business version is perfect for companies working internationally, with low currency conversion fees and the ability to:
- Transfer money to over 100 countries
- Manage funds in more than 25 currencies
- Accept payments online or through Revolut’s POS terminals
Revolut also allows you to invest and grow your company’s cash reserves.
Pricing
- Basic: €10/month
- Grow: €30/month
- Scale: €90/month
- Enterprise: on request
✅ Pros:
- Easy account opening and intuitive app
- Multi-currency account with competitive exchange rates
- Treasury investment options
❌ Cons:
- Missing services (company creation, insurance, etc.)
- No cash or check deposits
5. Finom – a pro account for SMEs
Ratings
- 4.5 on Trustpilot (8,527 reviews)
- 4.7 on Google Play (3.8k reviews)
Features
Finom targets small and medium-sized businesses, including freelancers. Its key features include:
- Expense management tools
- Cashback on business purchases
- Integrations with 50+ accounting tools
- Built-in invoicing features
Pricing
Finom offers a free plan for solopreneurs, and paid plans:
- Basic: €21/month
- Smart: €45/month
- Pro: €149/month
- Grow: €339/month
✅ Pros:
- Attractive cashback system
- Free plan available
❌ Cons:
- No cash or check deposits
- Higher prices than competitors
- Limited support on basic plans
6. Hello! Bank Pro – an online bank with in-person support
Ratings
- 4.3 on Trustpilot (8,352 reviews)
- 4.6 on Google Play (61.9k reviews)
Features
Hello! Bank Pro is BNP Paribas’s online bank. Its professional offer, Hello Business, includes:
- Professional Visa card
- Unlimited transfers and direct debits
- Overdraft up to €1,550
- Payment solutions (cards, cash, checks)
- Savings and investment tools
- Built-in quote and invoice generator
Pricing
One plan available: €10.90/month (excl. VAT).
Note: available only for certain legal statuses — self-employed, sole traders, SASU, or EURL.
✅ Pros:
- Access to BNP Paribas savings, loans, and insurance
- Authorized overdraft
- Easy check and cash deposits in BNP agencies
- French-based customer service (6 days/week)
❌ Cons:
- Restricted eligibility (specific legal forms only)
- Limited flexibility (single plan, no free or premium tiers)
7. Indy – an all-in-one accounting and banking tool for freelancers
Ratings
- 4.7 on Trustpilot (8,533 reviews)
- 4.7 on Google Play (2.4k reviews)
Features
Originally an accounting platform for self-employed professionals, Indy’s strength lies in bookkeeping.
All plans include simplified accounting tools: transaction categorization, receipt uploads, performance dashboards, advanced invoicing, and financial statements.
You also get basic banking features such as unlimited transfers and direct debits, plus company creation support.
Pricing
- Essential: €0/month (any legal status)
- Then depending on your status:
- €16/month for self-employed
- €28/month (income tax) / €59/month (corporate tax) for individual businesses
- €32/month for property companies (SCI/LMNP)
- €59/month for corporations (SASU, EURL, SAS, SARL)
✅ Pros:
- Perfect for freelancers and micro-entrepreneurs
- Combines banking and accounting in one tool
- Unlimited transfers and direct debits
- Free company creation with premium plan
❌ Cons:
- Fewer advanced banking features than competitors
- No cash or check deposits
- No insurance options
- No weekend support
Conclusion – the 7 best online business banks in 2025
Whether you’re a solo founder, a fast-growing startup, or a small family business, choosing the right professional account matters.
Here’s a quick recap of the best options based on your needs:
- Shine: best for freelancers and SMBs looking for a complete, human-first service starting at €0
- Propulse: ideal for independents who want insurance coverage
- Qonto: versatile and scalable for all company sizes
- Revolut Business: best for international operations
- Finom: tailored to SMEs with cashback and accounting tools
- Hello! Bank Pro: perfect for artisans, retailers, and professionals needing in-person service
- Indy: the go-to option for freelancers who want combined accounting and banking tools