Top Digital Business Banks for Bookkeeping – EU

Top Digital Business Banks for Bookkeeping

EU
EU – avril 2024
  • Save time and money with 100% digital bookkeeping and get real-time financial insights on your business
  • Benefit from income and expense reports, receipt capturing & tax tools
  • Find the best digital bank for bookkeeping
  • 100% digital bookkeeping
  • Real-time financial insights
  • Receipt capturing & tax tools

Déclaration de l’annonceur

Top10BusinessBanks est une ressource en ligne gratuite destinée à aider les utilisateurs à trouver les informations dont ils ont besoin pour prendre une décision en toute confiance. Nous passons d’innombrables heures de recherche pour trouver le contenu le plus pertinent et le présenter de la manière la plus accessible. Cependant, veuillez ne pas voir les informations présentées ici comme une recommandation de notre part.

Notez s’il vous plaît:

  • Toutes les informations affichées sur ce site sont totalement subjectives. De plus, nous avons une large discrétion éditoriale quant au contenu que nous publions sur le site et pour diverses raisons, les informations que vous voyez peuvent être incomplètes et / ou inexactes. N’hésitez pas à revérifier les informations que nous fournissons. C’est bon, nous ne serons pas offensés – au contraire, nous serions ravis d’entendre vos commentaires!
  • Nous sommes en mesure d’offrir cette ressource en ligne entièrement gratuite grâce aux frais de parrainage que nous recevons de nos partenaires (certaines des entreprises répertoriées sur ce site). Bien que cela puisse affecter l’emplacement de ces entreprises et le contenu que nous proposons sur le site, il n’est pas possible d’acheter un avis favorable ou une position sur ce site.
Banques d’entreprises Tarifs Carte Réglementation Principaux avantages Note Ouvrir un compte
Free plan Plus Soldo Corporate Mastercard FCA
  • Choose a virtual or plastic Mastercard® debit
  • Capture receipts on-the-spot via mobile app
  • Export data to any accounting system
  • Track your spending in real time
9.8

Paiements

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

Outils de comptabilité

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

Fonctions de sécurité

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

Accès au compte

Based on 1,081 reviews
Plans 9+€/mo Plus Mastercard Business ACPR
  • 30-days free trial. commitment free
  • Local French IBAN + Mastercard Business
  • 24/7 support in French via phone, email & chat
9.5

Paiements

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

Outils de comptabilité

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

Fonctions de sécurité

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

Accès au compte

Based on 4,257 reviews
Free plan Plus Neat Corporate Mastercard FCA
  • Best for international freelancers & businesses
  • Collect payments in multiple currencies
9.1

Paiements

Account Types
  • GBP, HKD
Currency wallets
  • Direct Debits
Domestic Transfers
  • Free SEPA payments

Outils de comptabilité

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

Fonctions de sécurité

  • Authrised by the FCA in the UK

Accès au compte

Based on 381 reviews
Plans 6€+/mo Plus Pleo Prepaid Mastercard FSA, PCI
  • Pleo cards for your team
  • Automated expense reports
8.8

Paiements

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

Outils de comptabilité

  • 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

Fonctions de sécurité

  • Fraud monitoring
  • Online card blocking

Accès au compte

Based on 10,000 reviews
Start your free trial today!
Free Account
Plans £4.90+/mo Plus
Anna Corporate Mastercard FCA
  • First 6 months – Free
  • 1% cashback on selected purchases
8.5

Paiements

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

Outils de comptabilité

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

Fonctions de sécurité

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

Accès au compte

Based on 170 reviews
1
  • Choose a virtual or plastic Mastercard® debit
  • Capture receipts on-the-spot via mobile app
Plus +
2
  • 30-days free trial. commitment free
  • Local French IBAN + Mastercard Business
Plus +
3
  • Best for international freelancers & businesses
  • Collect payments in multiple currencies
Plus +
4
  • Pleo cards for your team
  • Automated expense reports
Plus +
Start your free trial today!
5
  • First 6 months – Free
  • 1% cashback on selected purchases
Plus +

What Is a Digital Business Bank Account?

Digital business banks, also known as ‘challenger’, neo or mobile/online-only banks, offer businesses a 100% digital banking alternative to the traditional high street banks. Managed via secure mobile and/or web apps, digital business banks allow you to save time and money with lower (or no!) fees on common transactions, automated banking activities, seamless accounting integrations and 24/7 access.

Why Should I Open a Digital Bank Account?

The increased flexibility offered by digital banks such as Holvi and N26 makes them the perfect solution for freelancers, sole traders, online/local sellers and SMBs- by simplifying financial management processes and freeing up time to focus on growing your business.

What’s the Difference Between a Digital Business Bank & a High Street Bank?

Setup: High street banks generally require new business customers to complete many complex forms, provide loads of financial reports and then ask you to wait up to a few weeks for approval. Opening an account with a digital bank is simple- there are no paper forms, the application is all done online, and approval is often the same day.

Fees: Traditional banks make money in two ways, by investing your money elsewhere and by charging you excessive fees on every type of transaction you perform. With no physical brick and mortar location, mobile business banks can pass their savings on overheads to you, and therefore only charge minimal fees on transactions, payments and withdrawals. Leading business bank Revolut, for example, offers free domestic and international transfers.

Access: High street banks have restricted opening times (often during your own business hours), limited weekend trading and when you can finally make it to the bank, you are faced with long wait times. With mobile or web app accessibility, your digital bank account is accessible instantly- 24 hours a day, from your office, home or on the go.

Features & Services: Brick and mortar banks offer businesses a full suite of banking features, including account managers and private banking. Digital banks are quickly catching up, offering current and savings accounts, prepaid MasterCards, fast money transfer and payment services as well as integrations with accounting software to assist with financial reporting.

Security & Regulation: Digital banks feel strongly about the security of your funds. The Financial Conduct Authority (FCA), European Central Bank (ECB), French Prudential Supervision, The Resolution Authority (ACPR) and The Federal Financial Supervisory Authority (BaFin) cover most EU countries digital business banks, and the majority of the digital banks don’t reinvest your money, which means it’s always available to withdraw, should something untoward happen.

What Is a Digital Business Bank Account?

Digital business banks, also known as ‘challenger’, neo or mobile/online-only banks, offer businesses a 100% digital banking alternative to the traditional high street banks. Managed via secure mobile and/or web apps, digital business banks allow you to save time and money with lower (or no!) fees on common transactions, automated banking activities, seamless accounting integrations and 24/7 access.

Why Should I Open a Digital Bank Account?

The increased flexibility offered by digital banks such as Holvi and N26 makes them the perfect solution for freelancers, sole traders, online/local sellers and SMBs- by simplifying financial management processes and freeing up time to focus on growing your business.

What’s the Difference Between a Digital Business Bank & a High Street Bank?

Setup: High street banks generally require new business customers to complete many complex forms, provide loads of financial reports and then ask you to wait up to a few weeks for approval. Opening an account with a digital bank is simple- there are no paper forms, the application is all done online, and approval is often the same day.

Fees: Traditional banks make money in two ways, by investing your money elsewhere and by charging you excessive fees on every type of transaction you perform. With no physical brick and mortar location, mobile business banks can pass their savings on overheads to you, and therefore only charge minimal fees on transactions, payments and withdrawals. Leading business bank Revolut, for example, offers free domestic and international transfers.

Access: High street banks have restricted opening times (often during your own business hours), limited weekend trading and when you can finally make it to the bank, you are faced with long wait times. With mobile or web app accessibility, your digital bank account is accessible instantly- 24 hours a day, from your office, home or on the go.

Features & Services: Brick and mortar banks offer businesses a full suite of banking features, including account managers and private banking. Digital banks are quickly catching up, offering current and savings accounts, prepaid MasterCards, fast money transfer and payment services as well as integrations with accounting software to assist with financial reporting.

Security & Regulation: Digital banks feel strongly about the security of your funds. The Financial Conduct Authority (FCA), European Central Bank (ECB), French Prudential Supervision, The Resolution Authority (ACPR) and The Federal Financial Supervisory Authority (BaFin) cover most EU countries digital business banks, and the majority of the digital banks don’t reinvest your money, which means it’s always available to withdraw, should something untoward happen.

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.