EU

Best Financial Tools for Business – EU

Best Financial Tools for Business

EU
EU – April 2024
  • Save time & money with the best financial management tools
  • We review the top platforms from an all-suite business banking account up to money transfer services
  • Easy to use & fully regulated financial solutions
  • Save time & money
  • Business accounts, expense management & money transfer services
  • Easy to use & fully regulated
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Advertiser Disclosure

Top10BusinessBanks is a free online resource meant to help users find the information they need in order to make a confident decision. We spend countless hours of research to find the most relevant content and present it in the most accessible way. However, please don’t view the information presented here as a recommendation from our end.

Please note:

  • All the information displayed in this site is completely subjective. Moreover, we have broad editorial discretion as to the content we publish on the site and due to various reasons, the information you see may be incomplete and/or inaccurate. Please don’t hesitate to double-check the information we provide. It’s okay, we won’t be offended – on the contrary, we would love to hear your feedback!
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Financial Tool Pricing Card Regulation Main Advantages Score Get Started
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
Visit Site
Soldo Review

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
soldo.com
Plans 9+€/mo More Info Mastercard Business
ACPR
  • An advanced business account including accounting & bookkeeping features
  • FR, IT, ES or DE IBANs
  • Automated VAT reconciliation
 9.5
Visit Site
Qonto Review

Payments

Account types
  • IBAN, EUR
SEPA transfers
  • 30 SEPA-transfers & direct debits included
Bookeeping pack
  • Digital receipts
  • VAT auto-detection

Accounting Tools

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

Security Features

  • Regulated by “Bank of France”
  • FGDR protection up to 100,000 €

Account Access

Based on 4,257 reviews
qonto.com
Plans 5+€/mo More Info Pleo Prepaid Mastercard
Pleo card
FSA & PCI
  • Pleo cards for your team
  • Automated expense reports
 9.1
Visit Site
Pleo site
Pleo Review

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 224 reviews
pleo.io
Free trial
Free Account More Info No card -Transfer money with ease DNB
  • A simple, quick, regulated tool for international money transfer
  • Low transfer fees & Bank-beating rates
 8.8
Visit Site
XE site
XE Review

Payments

Currencies
  • 100 currencies
Accepted payments
  • Direct Debit, Bank transfers
  • Credit or Debit Card
Mass payments
  • Execute multiple payments on a global scale
International payments
  • Competitive exchange rates

Accounting Tools

  • green-check-mark Currency Data API
  • green-check-mark Mass Payments API
  • green-check-mark Customised API package
  • close-mark-black Bookkeeping
  • green-check-mark Shopify, ClearBooks, Xero

Security Features

  • Enterprise-grade security
  • Regulated by Europe’s GDPR, Canada’s Privacy Act & The US Privacy Act

Account Access

Based on 42,696 reviews
xe.com
Free Account
Plans £4.90+/mo More Info 		Anna Corporate Mastercard
FCA
  • First 6 months – Free
  • 1% cashback on selected purchases
 8.5
Visit Site Get The App
Anna Review

Payments

Account Types
  • GBP
Automated Payments
  • Recurring & scheduled
  • Direct Debit
Domestic Transfers
  • Up to 2 free transfers/m
Between 2 – unlimited UK transfers, depending plan’s allowance
International Transfers
  • Via 3rd party

Accounting Tools

  • green-check-mark Expense Management
  • close-mark-black Savings tools
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing
  • green-check-mark Quickbooks, Xero

Security Features

  • Real-time updates of transaction history
  • 24/7 support

Account Access

Based on 170 reviews
anna.money
Score 9.8
Soldo Review
Regulation FCA
Pricing Free plan
Accounts
  • EUR, GBP, USD
Based on 1,088 reviews
Main Advantages
  • Instant & free fund transfers to users
  • Low fees foreign transactions
Visit Site
1
9.8
Visit Site
  • Choose a virtual or plastic Mastercard® debit
  • Free domestic deposits & withdrawals
More Info +
Score 9.5
Qonto Review
Regulation ACPR
Pricing Plans 9+€/mo
Accounts
  • IBAN
  • EUR
Based on 4,257 reviews
Main Advantages
  • Automated VAT reconciliation
  • Custom labels for a better understanding of your expenses
Visit Site
2
9.5
Visit Site
  • An advanced business account including accounting & bookkeeping features
  • FR, IT, ES or DE IBANs
More Info +
Score 9.1
Pleo Review
Regulation FSA & PCI
Pricing €5-€10/mo
Accounts
  • GBP, EUR
Pleo card
Based on 224 reviews
Main Advantages
  • Digital receipt capture
  • Easy accounting integrations
Visit Site
3
9.1
Visit Site
  • Pleo cards for your team
  • Automated expense reports
More Info +
Score 8.8
XE Review
Regulation DNB
Pricing Free Account
Accounts
  • 100 currencies
No card -Transfer money with ease
Based on 42,696 reviews
Main Advantages
  • Seamlessly integrate XE Mass Payments into your systems
  • Great personalized Rate Alerts to monitor your currency pairs
Visit Site
4
8.8
Visit Site
  • A simple, quick, regulated, money transfer tool
  • Much lower transfer fees compared to a bank
More Info +
Score 8.5
Anna Review
Regulation FCA
Pricing Free Account
£4.90 – £19.90/mo
Accounts
  • GBP
Based on 170 reviews
Main Advantages
  • Tax calculations & reminders
  • Creates, sends & chases invoices
Visit Site
5
8.5
Visit Site
  • First 6 months – Free
  • 1% cashback on selected purchases
More Info +

Financial Tools Top Choices

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Best Expense Management Tool

Expense management tools allow you to track all business expenses and gain full control over company spendings. This way you can discover opportunities to reduce spending and avoid manual processing errors.

Soldo known for

  • Its comprehensive dashboard with a top-down view of all company spendings (from travel through advertising, subscriptions, and even petty cash).
  • Smart Company Cards with customisable budgets and spending rules. You can distribute them to employees or external service providers.
  • The world’s most complete API connection to Xero. Soldo additionally supports simple Integration with all major accounting software. These integrations allow you to send transaction data automatically with a single click.
Visit Soldo

Best Business Account

Millions of businesses have moved from traditional brick and mortar banks to Mobile Banks. This on-the-go bank allows you to save considerable resources and complete your everyday financial tasks from your mobile phone. Paperless, affordable, and 24/7 accessible banking is what every business needs.

Qonto known for

  • Quick & easy onboarding – It’s just 3 simple steps to get your local IBAN
  • Exceptional customer service, 7 days a week
  • 0% commission
Visit Qonto

Best International Money Transfer Service XE

Online Money Transfer providers offer not only a secure, quick, and easy way to send money – but they also offer very competitive rates for international transfers.

XE known for

  • No transfer fees & bank-beating rates
  • Quick transfers – Most occur within minutes
  • Full regulation by major regulatory authorities (FCA, FinCen and ASIC)
Visit XE