The financial management of small and medium -sized enterprises is experiencing a real revolution. Online banks, with their modern approach and their innovative services, stand out as allies of choice for dynamic entrepreneurs. No more time when VSEs and SMEs had to settle for standardized offers from traditional banks. Today, a new generation of financial institutions offers tailor -made solutions, combining flexibility, transparency and efficiency.
In this article, we will explore the best online banks adapted to the specific needs of VSEs and SMEs. Whether you are at the head of a growing start-up, a local trade or a service company, you will discover options that can transform your daily financial management. From the simplicity of current operations to the sophistication of analysis tools, including competitive prices, these new generation banks have a lot to offer.
Fortuneo Bankthe best online bank for VSEs/SMEs
Fortuneo Offer a variety of services mainly intended for individuals, including current account, online scholarship (PEA, PEA-PME, securities account), life insurance and savings book.
Thanks to its entirely online operation, it offers attractive prices while maintaining high quality of service. Fortuneo was elected the cheapest bank in 2018 for the profiles “employee”, “trader” and “business manager”.
The advantages:
- No account holders or bank card
- Credit options, savings, life insurance …
- Management of card ceilings independently
- Free instant transfers
Boursobankthe online bank for the cheapest VSE/SMEs
With nearly 4 million customers, Boursobank is a leader in the online banking market, standing out by its wide range of online services at very competitive prices. The panel of financial services of this bank is well provided, in addition to offering a wide range of bank cards adapted to all profiles.
The advantages:
- Up to € 150 offered for any 1st opening of a bank account
- Credit, savings, insurance option …
- Account available without income condition
Revolutonline bank for TPE of the future
Of a simple online account, Revolut Today has been transformed into one of the most popular and acclaimed online banks. With its advantages and free offer, Revolut supports you on a daily basis and guarantees you increased vigilance of all your transactions. In addition, investment solutions are highlighted by the bank which allows you to fruit your money safely.
The advantages:
- Free opening of an account and a bank card
- Savings features
- No costs abroad
N26online bank which reinvents account management of SMEs
Discover N26the entirely mobile bank which reinvents the management of your current account with originality. N26 is distinguished by a sophisticated mobile experience and carefully designed innovative services. You have paperless management and without hidden costs, allowing you to follow your finances in real time directly from your phone.
The advantages:
- Bank fully available from your phone
- No additional costs abroad
- Customer service available at any time
Société Généralebanking security for your VSE SMEs
SG offers a range of large and flexible services, adapted to everyone's needs. In particular, it offers advantages to young people and public service agents. Its banking offer, formerly known as Société Générale, is marketed under the name of “Sobrio”.
With Sobrio, you benefit from an account, a card of your choice, a personal advisor and daily insurance against theft or loss of your keys, papers and means of payment, as well as a Extension of the 2 -year manufacturer's warranty for all your household appliances purchased new.
The advantages:
- Up to € 160 offered on the opening of an account
- Bank card at € 1 / month in the first year
- Preferential rates for children under 25 and officials
Monabanqthe most extensive product range on the market for VSEs SME
Monabanq offers a extended range of products for all its customers, without income condition. In particular, it facilitates savings. Monabanq is the most recommended online bank for temporary workers, employees, retirees, executives, as well as people looking for a job.
Being part of the Crédit Mutuel Alliance Federal group, Monabanq also has agencies for checks for checks or species.
The advantages:
- Check deposits and species available in CIC and Crédit Mutuel distributors
- Account opening available without income condition
- Guarantee of having an authorized overdraft when opening the account
Hellobankthere pioneer Online banks for VSEs/SMEs
Hello Bank! is cited as a pioneer in mobile digital banks in Europe, representing the new innovative generation of online banks. Say goodbye to indecent banking costs and higher and higher costs of each operation, this is the great advantage of online banks.
With total transparency and simplified management of your finances, Hello Bank! now has several million customers and continues to grow quickly.
The advantages:
- Free payments and withdrawals abroad
- BNP Paribas partner bank
- Until 80 € offered on Hello Prime and Duo Prime