Ivona MikulčićNovember 27, 20258 min readLast update: Oct 7, 2026
7 Best Online Banks for Professionals in 2026 (Compared by Price & Features)
Most freelancers I talk to choose a business account the way they choose a dentist: whoever appears first and looks harmless. Two years later they’re paying €80 a month for a debit card, an app, and the permanent inability to deposit a check. Prices move too. Qonto is raising its Business plan from €119 to €139 a month in October 2026, and that kind of change rarely arrives with a parade. The account you picked in 2023 is probably not the account you’d pick today.
So I went through the seven online business accounts that come up most often with founders and freelancers, pulled the current pricing from each provider, and lined them up by what they actually cost and who they actually serve. In this post, I’ll show you what each one charges in 2026, what you get, where it breaks down, and which profile it fits.
One scope note before we start. All seven of these are built for French legal statuses (micro-entreprise, EI, SASU, EURL, SARL, SCI). If you’re incorporated elsewhere, skip to the section on global alternatives near the end, where I cover Wise Business and Mercury.
Bank | Starting price | Trustpilot rating | Best for |
|---|---|---|---|
Shine | €0/month | 4.7 (5,839 reviews) | Freelancers and SMBs who want human support |
Propulse by CA | €8/month | 3.8 (424 reviews) | Independents who want insurance built in |
Qonto | €11/month | 4.8 (42,335 reviews) | Companies that need the account to scale |
Revolut Business | €10/month | 4.6 (277,312 reviews, all Revolut products) | Cross-border and multi-currency operations |
Finom | €0/month (Solo) | 4.5 (8,527 reviews) | SMEs that want cashback and accounting links |
Hello! Bank Pro | €10.90/month (excl. VAT) | 4.3 (8,352 reviews) | Pros who still need a branch |
Indy | €0/month | 4.7 (8,533 reviews) | Freelancers who want banking and bookkeeping in one |
Best online banks for professionals
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
Shine’s own site puts its user base at more than 150,000 entrepreneurs, which makes it one of the most widely adopted business accounts in France. You can check the current plans and what each one includes on Shine’s official pricing page.
It was voted Customer Service of the Year 2026 in its category, and according to French review site Réussir ma vie, that’s the third consecutive year. You can speak to a human seven days a week, even on weekends. I don’t say this lightly: being able to reach a person on a Sunday when a client payment bounces is worth more than most feature lists.
Beyond the banking side, Shine is a certified B Corp and positions itself as a responsible business co-pilot, with 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
is a subsidiary of Crédit Agricole, designed for freelancers and small businesses.
Its strongest card is insurance. The plans cover professional risks most neobanks ignore: delayed trains or flights, lost luggage, non-delivery of business purchases. If you travel for work, that matters more than a cashback percentage.
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, including business plan templates
Backed by Crédit Agricole
❌ Cons:
No cash or check deposits
Limited banking tools
Not ideal for SMEs or larger companies
Only two plans, with no free tier
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: €139/month
Enterprise: €249/month
That Business figure is new. Qonto’s current fees page confirms the monthly Business plan moved from €119 to €139 in October 2026, with the annual rate going from €99 to €109. Every other plan stayed where it was.
✅ 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)
A caveat on those numbers: Revolut’s Trustpilot profile and Play Store listing cover the whole Revolut ecosystem, personal accounts included. Treat them as a signal about Revolut overall, not a verdict on Revolut Business specifically.
Features
Revolut offers both personal and business accounts. The business version suits companies working across borders, 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
Invest and grow your company’s cash reserves
Pricing
Current rates are listed on the Revolut Business pricing page:
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
Plans that scale from €10/month up to custom enterprise pricing
❌ 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 you can compare on Finom’s plans page:
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
A steep jump between tiers, with Pro at €149 and Grow at €339
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). You’ll find the full Hello Business account details on Hello bank! Pro’s site.
Note: available only for certain legal statuses, including self-employed, sole traders, SASU, and 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
Indy started as an accounting platform for self-employed professionals, and bookkeeping is still where it wins.
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
Indy’s pricing tiers depend on your legal status:
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
If you’re not registered in France
Every account above requires a French legal status, so none of them will help if you’re incorporated in Berlin, Lisbon, or Delaware. Two names come up constantly outside France.
Wise Business is the default for anyone invoicing clients in several currencies. You hold balances in multiple currencies, get local account details in a handful of countries, and pay conversion fees instead of a traditional FX markup.
Mercury is the one US-incorporated startups mention most, especially venture-backed ones. It’s built around software companies rather than tradespeople, so there’s no cash handling at all.
Neither is a French pro account, and neither will file your URSSAF declarations. They solve a different problem: moving money across borders without a branch network.
What to fix once your banking is sorted
Picking the right account saves you a few hundred euros a year. That’s real, and it’s also the easy part. The expensive line in a small company is rarely the bank fee, it’s the cost of finding customers: tools that overlap, lists bought twice, reps paying for enrichment that duplicates what they already own.
That’s the same exercise you just did with your bank account, applied to pipeline. For founders managing lean operations, it usually means replacing four subscriptions with one place to find leads, verify them, and run the outreach. For sales leaders scaling outbound, it means knowing which channel produced which meeting before renewal season arrives. We built lemlist around that single bill, and 2,000+ reviewers on G2 rate it 4.6 out of 5.
Final thoughts: the 7 best online business banks in 2026
Whether you’re a solo founder, a fast-growing startup, or a small family business, the right professional account comes down to two questions: do you handle cash, and will the plan still fit you in eighteen months?
Here’s the quick recap:
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, now €139/month at the Business tier
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
Pick one, open it this week, and move on to the part that grows revenue instead of protecting it. If outbound is next on your list, more outbound playbooks are waiting, or you can test the whole thing yourself.
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