France

Top Bank Accounts for Startups & Freelancers – France

Top Bank Accounts for Startups & Freelancers

France
France – Mai 2024
  • Benefit from no paperwork, fast approval and accounting integration
  • Save money with low or no fees on transactions, transfers & payments
  • Perfect for small businesses & freelancers
Last Updated Mai 2024
  • No paperwork, fast approval
  • Save time & money
  • Accounting integrations
Offenlegung von Inserenten

Offenlegung von Inserenten

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Geschäftsbanken Kosten Karte Regulierung Hauptvorteile Punkte Ein Konto eröffnen
Plans 9+€/mo Mehr Mastercard Business
ACPR
  • 30-days free trial. commitment free
  • Local French IBAN + Mastercard Business
  • 24/7 support in French via phone, email & chat
  • No hidden fees, no charges on money transfers
 9.8
Seite besuchen
Qonto bewertung

Zahlungen

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

Kontoführungs-Tools

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

Sicherheitsfunktionen

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

Kontozugriff

Based on 4,257 reviews
qonto.com
Plans €14.50+/mo Mehr Anytime Corporate Mastercard
Anytime Card
ACPR, FCA
  • Fee free intl. transactions & withdrawals
  • Money transfers in +30 currencies outside SEPA
  • Sync your Qonto account with your accounting software
 9.5
Seite besuchen
Anytime site
Anytime bewertung

Zahlungen

Account Types
  • FR & BL IBAN, UK EUR IBAN
Payment terminal
  • Accept payments from CB, Visa, Mastercard, Amex
International Transfers
  • Free

Kontoführungs-Tools

  • green-check-mark Expense Management
  • green-check-mark Bookkeeping
  • green-check-mark Accounting integrations

Sicherheitsfunktionen

  • Autorized by the National Bank of Belgium
  • Registered by the ACPR

Kontozugriff

Based on 1,573 reviews
anyti.me
Plans 5.99+€/mo Mehr bunq Corporate Mastercard
Bunq Business Card
DNB
  • 24/7 online support via app and email
  • 0.27% interest rate on savings
 9.1
Seite besuchen App holen
Bunq site
Bunq bewertung

Zahlungen

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)

Kontoführungs-Tools

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

Sicherheitsfunktionen

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

Kontozugriff

Based on 11,700 ratings
bunq.com
Free Plan.
Upgrade: € 14.99/mo Mehr 		Finom virtual debit card
BaFin
  • 3 in 1 – Bank account, Invoicing and Accounting integration
  • Contact customer support in less than 5 minutes
 8.8
Seite besuchen
BB FINOM Screenshot
Finom bewertung

Zahlungen

Account types
  • Euro
Domestic Transfers
  • SEPA transfers

Kontoführungs-Tools

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

Sicherheitsfunktionen

  • Licenced under REGAFI in France as an agent of Treezor SAS
  • protected by applicable deposit guarantees up to € 100,000

Kontozugriff

Based on 230 reviews
finom.com
7.90+€ per month Mehr Shine MasterCard Business
ACPR
  • Account openning in minutes with no appointment
  • Unlimited & accessible account history
8.5
Seite besuchen
Shine bewertung

Zahlungen

Account type
  • EUR, IBAN
Card type
  • 1 prepaid basic mastercard
Transfers & direct debits
  • 20+ free per month
depending on the plan type

Kontoführungs-Tools

  • green-check-mark Receipt management
  • green-check-mark Quotes & invoices creation
  • green-check-mark accounting integration

Sicherheitsfunktionen

  • Approved by the ACPR

Kontozugriff

Based on 1,105 reviews
Free plan Mehr Soldo Corporate Mastercard
FCA
  • Choose a virtual or plastic Mastercard® debit
  • Capture receipts on-the-spot via mobile app
 8.2
Seite besuchen
Soldo bewertung

Zahlungen

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

Kontoführungs-Tools

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

Sicherheitsfunktionen

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

Kontozugriff

Based on 1,081 reviews
soldo.com
Punkte 9.8
Qonto bewertung
Regulierung ACPR
Kosten Plans 9+€/mo
Konten
  • IBAN
  • EUR
Based on 4,257 reviews
Hauptvorteile
  • 7/7 support in French via phone, email & chat
  • No hidden fees, no charges on money transfers
  • Free SEPA transfers and direct debits
Seite besuchen
1
9.8
Seite besuchen
  • 30-days free trial. commitment free
  • Local French IBAN + Mastercard Business
Mehr +
Punkte 9.5
Anytime bewertung
Regulierung ACPR, FCA
Kosten Plans €14.50+/mo
Konten
Anytime Card
Based on 1,573 reviews
Hauptvorteile
  • Local French IBAN
  • Sync your Qonto account with your accounting software
Seite besuchen
2
9.5
Seite besuchen
  • Fee free intl. transactions & withdrawals
  • Money transfers in +30 currencies outside SEPA
Mehr +
Punkte 9.1
Bunq bewertung
Regulierung DNB
Kosten Plans 4.99+€/mo
Konten
  • IBAN
  • EUR
Bunq Business Card
Based on 11,700 reviews
Hauptvorteile
  • Invoice & receipt scanning from the app
  • Bookkeeping Software integration + finances automation
  • Deposit protection up to €100,000
Seite besuchen
3
9.1
Seite besuchen
  • 24/7 online support via app and email
  • Withdraw & deposit at +10K stores across Europe
Mehr +
Punkte 8.8
Finom bewertung
Regulierung BaFin
Kosten Free Plan.
Upgrade: € 14.99/mo
Konten
  • EURO
Based on 230 reviews
Hauptvorteile
  • Contact customer support in less than 5 minutes
Seite besuchen
4
8.8
Seite besuchen
  • 3 in 1 – Bank account, Invoicing & Accounting
  • Integrations with Lexoffice | DATEV Online | sevDesk
Mehr +
Punkte 8.5
Shine bewertung
Regulierung ACPR
Kosten 7.90+€/month
Konten
  • EUR, IBAN
Based on 1,105 reviews
Hauptvorteile
  • Mastercard business card included
  • Physical payment terminal
Seite besuchen
5
8.5
Seite besuchen
  • Account openning in minutes with no appointment
  • Unlimited & accessible account history
Mehr +
Punkte 8.2
Soldo bewertung
Regulierung FCA
Kosten Free plan
Konten
  • EUR, GBP, USD
Based on 1,081 reviews
Hauptvorteile
  • Export data to any accounting system
  • Track your spending in real time
Seite besuchen
6
8.2
Seite besuchen
  • Choose a virtual or plastic Mastercard® debit
  • Capture receipts on-the-spot via mobile app
Mehr +

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 Bank account 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 business accounts include 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 banks also offer seamless integration with bookkeeping & accounting tools. For example, Qonto integrates with Sage and QuickBooks.
Access Icon
Account Access
Today, some 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 Bank account 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 business accounts include 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 banks also offer seamless integration with bookkeeping & accounting tools. For example, Qonto integrates with Sage and QuickBooks.
Access Icon
Account Access
Accordeon button
Today, some 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.