Best Company Credit & Virtual Cards – EU

Best Company Credit & Virtual Cards

EU
EU – April 2024
  • Smart company cards
  • Save money with low or no fees on transactions, transfers & payments
  • Perfect for small businesses & freelancers
  • No paperwork, fast approval
  • Save time & money
  • Low or no fee transactions

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Business Banks Pricing Card Regulation Main Advantages Score Open an Account
Free plan More Info Soldo Corporate Mastercard FCA
  • Choose a virtual or plastic Mastercard® debit
  • Free domestic deposits & withdrawals
  • Instant and free transfers to users 
  • Low fee foreign transactions
9.8

Payments

Card type
  • Mastercard® debit
Withdrawals
  • Free from your domestic account
Money transfers
  • Free to other Soldo users

Accounting Tools

  • green-check-mark Expense Management
  • green-check-mark Accounting integration
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing

Security Features

  • Fully regulated by the FCA
  • Authorised by the Central Bank of Ireland

Account Access

Based on 1,088 reviews
Plans 5.99+€/mo More Info bunq Corporate Mastercard DNB
  • Pick any name you want to place on the card
  • Withdraw and deposit at 10K+ stores
  • Send money globally with Wise
9.5

Payments

Account Types
  • ES, FR & DE IBAN, EUR
Free ATM withdrawals
  • 4 per month
in Easy money and Easy green accounts only
International transfers
  • Via Wise (transferwise)

Accounting Tools

  • green-check-mark Bookkeeping integration
  • green-check-mark Multiple tradenames
  • green-check-mark Automatic VAT
  • green-check-mark Invoicing

Security Features

  • Deposit Protection up to €100,000 by DNB
  • Purchase protection & extended warranty

Account Access

Based on 1 reviews
Plans 9+€/mo More Info qonto Corporate Mastercard ACPR
  • Physical Business Mastercard
  • Pay in stores with Apple or Google pay
9.1

Payments

Card type
  • Business Mastercard
SEPA transfers
  • Free SEPA transfers & direct debits
amount depends on plan type
IBAN accounts
  • 5 accounts with individual IBANs

Accounting Tools

  • green-check-mark Accounting integration
  • green-check-mark Expense Management
  • green-check-mark VAT auto-detection
  • green-check-mark Digital receipts

Security Features

  • Supervised by the ACPR
  • Deposit protection up to 100.000€ by FGDR

Account Access

Based on 4,283 reviews
Plans 6€+/mo More Info Pleo Prepaid Mastercard FSA, PCI
  • Pleo cards for your team
  • Automated expense reports
8.8

Payments

Account Types
  • GBP, EUR
Automated Payments
  • N/A
Domestic Transfers
  • Free
International Transfers
  • 2% /transfer

Accounting Tools

  • green-check-mark Expense Management
  • green-check-mark Savings tools
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing
  • green-check-mark Xero, e-conomic, Sage, Fortnox

Security Features

  • Fraud monitoring
  • Online card blocking

Account Access

Based on 10,000 reviews
Start your free trial today!
Free Account
Fixed transfer fees More Info
TransferWise Corporate Mastercard FCA
  • Send money to 80+ countries with the real exchange rate
  • Receive money with low fees
8.5

Payments

Account Types
  • EUR, GBP, AUD, NZD, RON, HUF & SGD
Automated Payments
  • Bulk payments
Domestic Transfers
  • Zero or low fees
International Transfers
  • 65p Fixed fee to send money (varies by currency)

Accounting Tools

  • green-check-mark Expense Management
  • green-check-mark Savings tools
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing
  • green-check-mark Xero, FreeAgent, QuickBooks

Security Features

  • Blocking/Unblocking card

Account Access

Based on 104,058 reviews
1
  • Choose a virtual or plastic Mastercard® debit
  • Free domestic deposits & withdrawals
More Info +
2
  • Withdraw and deposit at 10K+ stores
  • Pick any name you want to place on the card
More Info +
3
  • Physical Business Mastercard
  • Pay in stores with Apple or Google pay
More Info +
4
  • Pleo cards for your team
  • Automated expense reports
More Info +
Start your free trial today!
5
  • Send money to 80+ countries with the real exchange rate
  • Receive money with low fees
More Info +

Why is it Important to Open a Business Bank Account?

A personal bank account is not intended to confer the same benefits as a business bank account. As a freelancer, sole trader, partnership, or corporation, it’s important to establish a separate identity for your business. Personal accounts are not geared towards business activity. For privacy reasons, your personal account should not be mixed with your business activity.

Debtors, creditors and their banking institutions are much more comfortable dealing with business to business accounts for transactions processing purposes, taxes and invoices. A business bank account establishes credibility, professionalism, and trust. When payroll is needed, a business bank account is a must-have. Separation of personal and business finances is always recommended, especially when business debit cards and/or credit cards are issued to company personnel.

Tax reporting is significantly easier to manage with a business bank account. When a personal account is used for business activity, co-mingling of income and expenses takes place. This complicates matters. Besides, business bank accounts make it much easier for you to effectively control incomes and expenses with your business.

Why is it Important to Open a Business Bank Account?

A personal bank account is not intended to confer the same benefits as a business bank account. As a freelancer, sole trader, partnership, or corporation, it’s important to establish a separate identity for your business. Personal accounts are not geared towards business activity. For privacy reasons, your personal account should not be mixed with your business activity.

Debtors, creditors and their banking institutions are much more comfortable dealing with business to business accounts for transactions processing purposes, taxes and invoices. A business bank account establishes credibility, professionalism, and trust. When payroll is needed, a business bank account is a must-have. Separation of personal and business finances is always recommended, especially when business debit cards and/or credit cards are issued to company personnel.

Tax reporting is significantly easier to manage with a business bank account. When a personal account is used for business activity, co-mingling of income and expenses takes place. This complicates matters. Besides, business bank accounts make it much easier for you to effectively control incomes and expenses with your business.

How Do I Compare & Choose the Best Digital Bank for My Business?

Features Icon
Banking Features
At the core, check for payment options, local and international money transfer services, corporate cards, account types and currencies available as well as invoicing and bookkeeping tools.
Fees Icon
Fees
Look for accounts offering simple & clear-cut plans, minimal or no fees on transfers & payments and free withdrawal options. Note that fees may vary depending on the plan you choose (free plans will often incur higher fees than premium plans).
Corporate card
All digital business banks offer corporate cards for you & your employees – either through MasterCard or Visa. Check how many cards are included for free in your chosen plan & how much each additional card will cost if required.
Security Icon
Security
The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. Check for regulations such as FCA (Financial Conduct Authority) or the FCS (Financial Compensation Scheme) in the UK & FIN-FSA, BaFin, DNB, ECB & ACPR in Europe.
Accounting Icon
Accounting tools
Look for built in expense reporting, scheduled/recurring payments & direct debits. Most digital banks also offer seamless integration with bookkeeping & accounting tools. For example, Revolut Business integrates with Xero and FreeAgent, while Qonto integrates with Sage and QuickBooks.
Access Icon
Account Access
All digital banks offer account access 24 hours a day, 7 days a week. While the majority of providers offer access via both mobile and desktop/web apps, some business banks only offer one or the other so check you have the access you need when selecting your preferred bank.

How Do I Compare & Choose the Best Digital Bank for My Business?

Features Icon
Banking Features
Accordeon button
At the core, check for payment options, local and international money transfer services, corporate cards, account types and currencies available as well as invoicing and bookkeeping tools.
Fees Icon
Fees
Accordeon button
Look for accounts offering simple & clear-cut plans, minimal or no fees on transfers & payments and free withdrawal options. Note that fees may vary depending on the plan you choose (free plans will often incur higher fees than premium plans).
Corporate card
Accordeon button
All digital business banks offer corporate cards for you & your employees – either through MasterCard or Visa. Check how many cards are included for free in your chosen plan & how much each additional card will cost if required.
Security Icon
Security
Accordeon button
The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. Check for regulations such as FCA (Financial Conduct Authority) or the FCS (Financial Compensation Scheme) in the UK & FIN-FSA, BaFin, DNB, ECB & ACPR in Europe.
Accounting Icon
Accounting tools
Accordeon button
Look for built in expense reporting, scheduled/recurring payments & direct debits. Most digital banks also offer seamless integration with bookkeeping & accounting tools. For example, Revolut Business integrates with Xero and FreeAgent, while Qonto integrates with Sage and QuickBooks.
Access Icon
Account Access
Accordeon button
All digital banks offer account access 24 hours a day, 7 days a week. While the majority of providers offer access via both mobile and desktop/web apps, some business banks only offer one or the other so check you have the access you need when selecting your preferred bank.