EU

Best Company Credit & Virtual Cards – EU

Best Company Credit & Virtual Cards

EU
EU – mai 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
Déclaration de l’annonceur

Déclaration de l’annonceur

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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
  • Free domestic deposits & withdrawals
  • Instant and free transfers to users 
  • Low fee foreign transactions
 9.8
Visiter le site
Avis sur Soldo

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 1,088 reviews
soldo.com
Plans 5.99+€/mo Plus bunq Corporate Mastercard
Bunq Business Card
DNB
  • Pick any name you want to place on the card
  • Withdraw and deposit at 10K+ stores
  • Send money globally with Wise
 9.5
Visiter le site
Bunq site
Avis sur Bunq

Paiements

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)

Outils de comptabilité

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

Fonctions de sécurité

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

Accès au compte

Based on 1 reviews
bunq.com
Plans 9+€/mo Plus qonto Corporate Mastercard
ACPR
  • Physical Business Mastercard
  • Pay in stores with Apple or Google pay
 9.1
Visiter le site
Avis sur Qonto

Paiements

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

Outils de comptabilité

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

Fonctions de sécurité

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

Accès au compte

Based on 4,283 reviews
qonto.eu
Plans 6€+/mo Plus Pleo Prepaid Mastercard
Pleo card
FSA, PCI
  • Pleo cards for your team
  • Automated expense reports
 8.8
Visiter le site
Pleo site
Avis sur Pleo

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
pleo.io
Start your free trial today!
Free Account
Fixed transfer fees Plus 		TransferWise Corporate Mastercard
Transferwise Card
FCA
  • Send money to 80+ countries with the real exchange rate
  • Receive money with low fees
 8.5
Visiter le site
Transferwise site
Avis sur TransferWise

Paiements

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)

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, FreeAgent, QuickBooks

Fonctions de sécurité

  • Blocking/Unblocking card

Accès au compte

Based on 104,058 reviews
transferwise.com
Note 9.8
Avis sur Soldo
Réglementation FCA
Tarifs Free plan
Comptes
  • EUR, GBP, USD
Based on 1,088 reviews
Principaux avantages
  • Instant & free fund transfers to users
  • Low fees foreign transactions
Visiter le site
1
9.8
Visiter le site
  • Choose a virtual or plastic Mastercard® debit
  • Free domestic deposits & withdrawals
Plus +
Note 9.5
Avis sur Bunq
Réglementation DNB
Tarifs 7.99+€/mo
Comptes
  • IBAN
  • EUR
Bunq Business Card
Based on 1 reviews
Based on 1 reviews
Principaux avantages
  • 25+ accounting integrations for simpler invoicing, tax preparations & transactions management
Visiter le site
2
9.5
Visiter le site
  • Withdraw and deposit at 10K+ stores
  • Pick any name you want to place on the card
Plus +
Note 9.1
Avis sur Qonto
Réglementation ACPR
Tarifs Plans from 9€/mo
Comptes
  • IBAN
  • EUR
Based on 4,283 reviews
Principaux avantages
  • Includes a virtual card for online payments
  • 30 free SEPA transfers and direct debits
Visiter le site
3
9.1
Visiter le site
  • Physical Business Mastercard
  • Pay in stores with Apple or Google pay
Plus +
Note 8.8
Avis sur Pleo
Réglementation FSA, PCI
Tarifs 6€ – 10€/mo
Comptes
  • GBP, EUR
Pleo card
Based on 10,000 reviews
Principaux avantages
  • Digital receipt capture
  • Easy accounting integrations
Start your free trial today!
Visiter le site
4
8.8
Visiter le site
  • Pleo cards for your team
  • Automated expense reports
Plus +
Start your free trial today!
Note 8.5
Avis sur TransferWise
Réglementation FCA
Tarifs Free Account
Zero or low fees
Comptes
  • EUR, GBP, + 5
Transferwise Card
Based on 104,058 reviews
Principaux avantages
  • Hold and manage 50+ currencies
Visiter le site
5
8.5
Visiter le site
  • Send money to 80+ countries with the real exchange rate
  • Receive money with low fees
Plus +

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.