Updated October 7, 2026 | 10 min read

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
Propulse by CA
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.

FAQ

Which online bank is free for freelancers?
Shine Free, Finom Solo, and Indy Essential all start at €0/month. Indy goes furthest for self-employed professionals because the free tier includes automated bookkeeping alongside the account.
Do these accounts support cash and check deposits?
Shine and Hello! Bank Pro do, with Hello! Bank Pro using the BNP Paribas branch and ATM network. Propulse, Qonto, Revolut Business, Finom, and Indy do not. If you take cash from customers, that single line removes five of the seven options.
Do online business banks offer loans?
Coverage varies. Hello! Bank Pro gives you access to BNP Paribas loans and an authorized overdraft up to €1,550, which is the closest thing to traditional credit in this list. The independent fintechs focus on payments, cards, and treasury instead.
Which plan is best for a growing company?
Qonto is the one built to follow you from two people to two hundred, with six tiers up to Enterprise at €249/month. Revolut Business is the better pick if most of that growth happens outside the eurozone.

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.
Start a 14-day free trial
Share this post