Comparison of the best free corporate bank cards

What is a free corporate bank card?

A free corporate bank card is a payment method offered available to a company to manage its expenses.

This card enables employees to pay their business expenses .

The use of a corporate bank card means that employees do not have to use their own funds to pay business expenses, which makes it an ideal solution for all types of business. a good alternative to expense accounts time-consuming and administrative to manage.

Also known as a business or professional card, a free corporate bank card can be used to pay :

• Travel expenses

• Meal expenses

• Training costs

• Toll charges

• Teleworking expenses

• Moving expenses (if the change of address is for professional reasons)

• Accommodation costs, etc. .

A free business bank card is attached to un compte pro gratuit It's free because the bank doesn't charge any fees for issuing the card. bill commissions on certain operations (transfers, withdrawals, currency exchange, etc.). The functionalities of a free corporate bank card vary from one bank to another.

Which companies can have a free pro account?

The free pro account is aimed primarily at companies with low capital requirements:

• Visit auto-entrepreneurs

• Visit PME

• Visit associations

The advantages of a free corporate bank card

There are many advantages to a free bank card. Here are the main ones:

Cost reduction

With a free business bank card from an online bank, you can save money In fact, online banks offer more affordable deals than traditional banks, since they have no physical branches. 0 euro/mois Corporate bank cards from online banks can also offer advantages such as :

• Free cash withdrawal

• More affordable transfer fees, ranging from 0 to 3% per transaction depending on the bank

• Free foreign transfers, etc.

These benefits obviously vary from bank to bank. If you're concerned about your business expenses or just starting out, a free pro bank card is the best option for you.

Simplified expense management

Using a free bank card allows you to manage your company's expenses more easily .

First of all, allowing your employees to use a free corporate bank card is like giving them money. autonomies For example, they can book their own flights, hotel rooms, meals out and so on.

On the other hand, any free corporate card issued will be directly linked to the company's account . All transfers and withdrawals will be recorded in a single account, making it easier for you to keep track of your transactions. accounting for expenses .

Transaction control and monitoring

Your account is managed entirely online, you can track your employees' expenses in real time.

What's more, thanks to your account statements, you can take a close look at the company's expenses:

• Identify abuse more quickly. This is the case, for example, when the card is used to pay for personal expenses.

• Understand employees' real needs

• Make budget adjustments. You'll be able to better identify where you can concentrate funds for efficient use of the company's budget.

What's more, payment by corporate card guarantees that your budget will be respected. To make sure of this, you can, for example, set an upper limit. You can also block cards in the event of misuse. Everything is done online from your dedicated interface.

How do I get a free corporate bank card?

Only one solution: open a business account with online banks or neobanks . In fact, only some online banks offer free corporate banking cards.

Eligibility criteria

The eligibility criteria for opening a free pro account are as follows:

• Be of age

• Be a French physical or fiscal resident

• Be a registered auto-entrepreneur, micro-entrepreneur or association (or have a company)

• Have a SIREN number

• You must not be prohibited from banking

• Proof of income

In addition to these eligibility criteria, to qualify for a free bank card at certain banks, you must also meet the following conditions:

• A mandatory payment : you must deposit a certain amount in your account when you open it and/or each month to benefit from a free bank card.

• Have a sales threshold : the bank may require you to have a certain level of turnover or cash flow before granting you a free bank card.

Steps to take

As we said earlier, you need to open a pro account to have access to a free bank card. Open a pro account online is quick and easy. Here's how it works:

• Choosing an online bank: compare free pro account offers and choose the one that best suits your needs

• Go to the website or application of the chosen bank: Fill in a registration form, providing the required information about your company (name, address, number of employees, etc.).

• Gather and transmit the necessary supporting documents. To open an account, you'll need to provide documents such as a Kbis extract, proof of address and a national identity card. Remember to have digital versions of these documents available. Simply take a photo or scan them.

• Open an account and receive your free corporate bank card by mail: all that's left to do is open the account in just a few clicks. You'll receive your corporate bank card just a few days after opening the account.

The best offers for free corporate bank cards

Here's our selection of the best free pro card offers.

Heropay

Heropay offers a complete solution for businesses, with a free professional bank card Designed to simplify and optimize financial management for businesses, the Heropay card comes with a host of benefits:

• Unlimited SEPA transfers at no extra charge

• Physical and virtual cards with deferred payment for up to 90 days

• Zero account maintenance and withdrawal fees

• Commission-free international payments

• Real-time expense management via a dedicated application

• Enhanced security with 24/7 surveillance

• No hidden fees, income or deposit requirements

Heropay stands out for its flexibility, the absence of hidden costs and the diversity of its services.

N26

N26 only offers virtual bank cards. N26's free bank card has no deposit or income requirements, zero fees and, in some cases, earns 0.1% cashback on purchases made with your Mastercard.

It enables :

• Unlimited SEPA transfers with 0.3% to 0.5% commission

• 3 free withdrawals per month

• 2,500 euros/day and 10,000 euros/month authorized withdrawal

• Commission-free payments abroad

• No hidden bank charges and no income or deposit requirements

The only drawback of N26 is that it doesn't allow you to obtain a French IBAN, as its headquarters are in Berlin. This can sometimes pose a problem for your customers or suppliers.

Revolut

Revolut has a free offer with :

• A French IBAN

• A free bank card

• 3 users

• A virtual map

• 5 free transfers per month

• A free offer adapted to all legal statuses

One of Revolut's biggest advantages is its free multi-currency pro account with over 25 currencies.

Revolut is especially popular with companies and self-employed workers carrying out international transactions, as it saves on exchange fees.

Indy

Indy was originally billing and accounting software . Since 2024, however, it has expanded to include an additional feature: a free pro account specifically for the self-employed Although it is a newcomer to the online banking and online business account market, it is no less successful than the others:

• French IBAN

• A free physical or virtual MasterCard

• Unlimited transfers

• 3,000 euros withdrawal per month

• No bank charges

• Customer service available 5 days a week by email or live-chat.

For facilitate expense management of your company or for limit your banking costs The zero-cost business card is an ideal solution.