Pro bank account: 2025 comparison

Summary table of the best pro bank accounts :

Ranking of the 8 best pro banks

Here is our ranking of the 8 best pro banks :

Hero

Payment and financing solution specially designed for B2B companies, Hero propose un compte pro gratuit.

Advantages :

• Totally free pro account

• Payment facilities: deferred payment and payment in instalments

Recipe :

• Hero's pro account is 100% free.

Qonto

Created in 2016, the Qonto pro account is aimed at freelancers and companies of all sizes.

• Mastercard bank card

• French IBAN

• Various payment and collection methods (with the option of cashing by cheque)

• Up to 30 commission-free transfers or direct debits per month with the Solo offer. You pay 0.25 cts for each additional transfer.

• A high-performance, intuitive mobile application

• Expense and invoice management

Qonto offers separate price plans for freelancers on the one hand, and small businesses on the other. Dedicated to freelancers, the Solo offer starts at 9 euros for an annual subscription.

The offer for small businesses starts at 49 euros per month.

Bunq

Arrival in France in 2018 Bunq is a Dutch neo-bank founded by Canadian businessman Ali Niknam, with a presence in the Netherlands, France and Germany. Italy, Germany, Great Britain, Austria, Spain and France.

Here's an overview of its main features:

• A mobile application

• A payment solution "bunq.me" and "bunq.to" by web link

• A mobile payment solution via Apple Pay

• 25 free bank accounts

• Free card payments

• Free mobile payment

• 10 free cash withdrawals/month then a commission of 0.99 euro/withdrawal

Here are the main advantages of Bunq Business:

• 3 free Mastercard bank cards with high limits (50,000 euros/day for payments and 500 euros per day for cash withdrawals);

• Ability to open multiple accounts

• Accessible to anyone with a SIREN number

• Quality support "bunq together" community forum "where users can ask their questions

• Fast account opening

Tariffs :

• Free account

• 3 pay-as-you-go packages at 3.99 euros/month, 9.99 euros/month and 18.99 euros/month

Wise

Wise Business est a free online multi-currency account specifically for professionals.

Here are its main features:

• A multi-currency account . The Wise business account operates in 6 different currencies (euro, pound sterling, US dollar, Australian dollar, New Zealand dollar and Polish zloty).

• Suitable for microentrepreneurs and companies of all sizes

• API for integration with e-commerce platforms and accounting software

Recipe :

Wise Business est a free account . There are no account opening or monthly fees.

• Collection fees are zero in the main currencies supported by the platform

• 0.5% of transaction amount commission for payments

Highlights :

• Mass payment option

• Free Mastercard credit card

N26 Business

Based in Germany, N26 was founded in 2013 by Valentin Stalf and Maximilian Tayenthal. It is aimed to individuals and micro-entrepreneurs.

Here are the features of N26 Business:

• Dedicated to micro-entrepreneurs and freelancers

• Free Standard package without physical card

• French IBAN

• Mastercard payment card

• 24/7 customer service

• Free international payments

• Cashback of 0.1% to 0.5% on business expenses

Disadvantages :

• Free only if you don't need a physical card;

• Limited to the euro zone.

Recipe :

• Free standard package without physical card

• 3 pay-as-you-go packages from €4.90 to €16.90 per month

Shine

Launched in 2017 Shine is a neo-bank. To use all its functions, you need to use their mobile application. It is aimed primarily at the self-employed and small businesses.

The Shine pro account offers a number of advantages:

• The an account suitable for all types of professionals and entities : SMEs, VSEs, start-ups or self-employed professionals

• Carte professionnelle internationale Mastercard

• French IBAN

• 24/7 customer service

Rate (for companies) :

• Shine Pro at 29 euros/month

• Shine Business at 99 euros/month

For the self-employed, the first rate starts at €7.9 excl. tax per month.

Monabanq

Founded in 2006 Monabanq is the online subsidiary of the Crédit Mutuel CIC group.

Here are the features of a Monabanq pro account:

• Dedicated to micro-professionals

• Legal protection included

• Visa payment card

• No income requirements and no obligation.

Price : from 9 euros/month.

How do I open a pro account?

To open a pro account, you can choose between a traditional bank or an online bank Whatever the case, the documents to be supplied are essentially the same:

• Proof of identity A copy of your national identity card, passport or French residency permit. If applicable, proof of the persons authorized to carry out transactions on the account and of the associates.

• Proof of registered office address

• Proof of professional activity ;

• A copy of the statutes .

What's the best bank for a business account?

Here are the criteria for choosing a professional bank:

• Our services . All banks offer broadly the same services, although some offer their own specific services. So it's important to examine and compare each offer to identify the one best suited to your company's needs.

• Service quality . It's the key to customer satisfaction.

• IBAN . A bank offering a French IBAN is always an advantage, as it simplifies the management of your company's financial flows.

• La tarification . This is the key criterion for choosing a pro bank. Here again, you'll need to make a comparison to find the most attractive offer. In particular, you'll need to focus on account maintenance fees, online service charges, card costs and commission rates.

You also need to choose between a traditional bank and an online bank. Both types of bank generally offer similar services. It's the price that gives digital banks the edge.

It is for this reason that Hero is positioned as one of the best pro account solutions . Our online solution offers similar services to traditional banks, but free of charge.

Why open an online business account?

There are still two categories of online banks: first-generation online banks and neo-banks.

Online banking offers a number of advantages:

• Free or reduced fees . Bank cards are generally free of charge. However, some services and products are not free of charge.

• Quick and easy account opening

• No deposit generally required to open an account

• An application for remote transactions 24/7

• Available customer service

Is a pro account mandatory?

Only companies with their own assets are obliged to open this type of bank account. In other words capital companies .

Sole proprietors are also subject to this requirement if their sales exceeds 10,000 euros two years in a row .

How much does a pro account cost?

Pro account fees vary depending on the bank: traditional or digital:

• 30 to 50 euros per month with a traditional bank

• 20 euros per month for online banking

Do I need a bank card?

A bank card offers many advantages:

• Time-saving management, control and monitoring of expense claim expenses

• Avoid advance payments by employees. Employees no longer need to advance expenses out of their own pockets.

• Additional benefits . A card allows you to benefit from service advantages (deferred debit, payment in instalments, etc.).

Why open a pro account?

A pro account is a bank account reserved specifically for a company's professional activities, and in practice functions like a conventional current account.

However, a pro current account differs from a private account in the following ways its specific functionalities It's all about additional services tailored just for businesses. For example, they can benefit from larger overdrafts or divide their accounts into sub-accounts.

However, not all companies are required to open a pro account (see below).

Nevertheless, opening a pro account is still recommended, given the many advantages it offers:

• Simplify bookkeeping . You can more easily distinguish between professional transactions

• Have access to ready-to-use receipts transactions carried out during the year

• Facilitate monitoring and control of company management

• Benefit from features specifically designed for professionals

Open your free pro account and boost your cash flow with Hero

With Hero, you can enjoy compte pro gratuit which pays an annual return of 3 % (based on ECB key rate) .

Your deposits remain available at any time , without commitment or blocking while generating interest calculated and paid monthly.

Click here to open your pro account now.