Having a professional bank account dedicated to your freelance activity is not an obligation. However, this allows you to better manage your finances, to Pilot your cash flow effectively and give a reliable image to your business.
All banks offer offers dedicated to businesses. However, prices or conditions differ. In general, these are the Online banks who are pulling out of the game by offering tailor-made formulas at advantageous prices for freelancers.
So let's go! Let's compare 11 banks where freelancers are welcome in 2025!
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1. Finishfinancial solution designed specifically for the needs of entrepreneurs, freelancers and small businesses
Why choose Finish ?
- The best financial service to launch a business
- The free month, which largely allows you to test the services to convince themselves of their usefulness
- French IBAN in just 72 hours
- Up to 3% reimbursement
- Free physical and virtual cards
- Simplicity and efficiency: intuitive interface and easy management of your finances
- Designed for pros: financial services designed for the unique needs of professionals
- Save time: automation of administrative tasks to focus on what really matters
2. Shinean all-in-one professional account of the year 2024
Shine promises to “simplify your daily life as an entrepreneur”! More than just online bank, the application provides tools to control your finances, manage your cash and charge your customers in a few clicks.
Online payment is also included in its offers. In a few seconds, your customers can pay by transfer or bank card. Of course, if you accept checks, it will be possible to receive them and deposit them on your online account.
The price: When subscribing to Shine, you receive a mastercard for your professional activity. The application offers you a month of testing, without obligation. Then, the first formula starts at 7.90 € HT / month.
In addition, Shine was Elected customer service of the year 2024 Thanks to its experts based in France available 7 days a week!
The Shine advantage: Shine facilitates the creation of your business thanks to its offer of Capital deposit 100% online and his Complete business creation pack, Shine Start (drafting of the statutes, registration, Kbis, …).
3. Hello bank !, A clear offer for freelancers
Belonging to BNP Paris, the online bank Hello Bank! launched its offer of Pro bank account dedicated to freelancers :: Hello business.
Via an intuitive mobile application, you manage your professional account very easily. At any time, you know the balance of your cash, you check your expenses and customer regulations. You can also make transfers in a few clicks or modify certain payment settings, such as opt for delayed flow, for example.
Hello Business offers clear and really attractive account keeping conditions, since there are no hidden fees, movement commissions or termination costs.
The price: online bank has a unique formula, at € 10.90 excl. Tax / month, including everything you need to manage your business finances: an international bank card, the possibility of issuing and receiving transfers, taking checks into account, a tool for creating and monitoring quotes / invoices, etc.
Read also: Freelances: 5 tips to facilitate the management of your daily expenses
4. N26, a free virtual bank card
The German online bank N26 offers an offer dedicated to the self -employed: N26 Business. In 8 minutes, you open a professional account for free to effectively manage your activity. No need to file an initial amount or justify regular income to set it up.
The price: N26 offers you a free mastercard virtual card to pay your purchases, securely, on the Internet or via Google and Apple Pay services. If you want a “physical” professional bank cardit will take € 10.
Another strong point: customer service. Advisers, available 7 days a week, speak French and help you in the event of a question or concern to settle.
5. Boursorama Banque, no hidden fees
With its formula PROSSORAMA PROthe famous online bank is aimed at individual entrepreneurs looking for simplicity to manage their account. You can easily manage your withdrawal and payments from the application, which helps you to deal with cash flow fluctuations.
A virtual safe is also available. The latter allows you to classify, recover and consult important documents, such as invoices. Practical to visualize those which have been settled and those that require reminders!
Boursorama promises an account opening in 5 minutes top time! For any subscription, you also benefit from € 80 offered.
The price: no hidden fees, the bank offers a tailor -made formula for € 9 including tax / month including a bank card, an authorized overdraft (up to € 2500) and the possibility of subscribing to the Zettle by Paypal payment terminal.
6. Monabanq, legal protection in addition
The bank whose slogan is “people before money” offers an offer dedicated to freelancers: Monabanq Auto-entrepreneur account.
The price: without income condition, without commitment and with an authorized overdraft, the € 9 formula VAT / month is very complete. You also get a Classic Visa to pay for your purchases or withdraw money. This is also compatible with Google Pay, Apple Pay and Paylib. Of course, you can get a first visa (+€ 3/month) or Platinum visa (+€ 9/month) if necessary.
If your activity requires the collection of checks or species, you can do so in Mutuel or CIC distributors.
The little extra from Monabanq? Offer a legal protection service. Experts are at your disposal to help you understand or edit a contract, answer your questions in the event of unpaid or error, support you during a dispute, etc.
7. Qonto, online bank for all-in-one freelance
200,000 companies trust Qonto, the all-in-one bank account to manage your activity. This online bank has of an independent special formula which includes a mastercard, an intuitive application to manage your cash, transformation management and compatibility with Apple and Google Pay.
The price: its first offer is 9 € HT / month. You have 30 free days, without obligation, to test this bank and make your decision.
Finally, Qonto also allows you to connect, automate and synchronize your accounting, to save time in the treatment of your professional costs and VAT.
8. Revolut, an online bank at the top for the international
If you work regularly with foreign customers, Revolut is the bank you need! It allows you to easily send and receive international payments, in more than 28 currencies. In a concern for transparency, it always tells you the costs linked to these operations, if they exceed the framework of your subscription.
You even have the possibility of opening several accounts, with different currencies, to better manage your international activities.
Another revolut asset: synchronization with your other accounting or marketing tools, such as QuickBooks, Slack, Xero, Woocommerce, Zoho, Lelsy, Prestashop, etc.
The price: it is possible to open an account for free, without a bank card. If you want to have one, turn to the offer at 25 € / month, which also includes a priority customer service, 24 hours a day.
Read also: The best Mutuals TNS
9. Anytime, the tailor-made for the self-employed
Belonging to the Orange Bank group, online bank Anytime offers offers for self-employed and micro-entrepreneurs.
The price: the latter start from 9.5 € / month and include: 2 accounts (staff and a professional), 2 Mastercard cards, 50 professional virtual virtual cards, 20 transfers and monthly samples, a support in an emergency and a chat-client service.
If you want a payment terminal, Anytime offers you the possibility of subscribing to VSEs Zettle by Paypal, Sumup or Smile and Pay.
The application also allows you to digitize your receipts to better manage your VAT, edit quotes and invoices, and follow your cash with real -time notifications.
10. Axa Banque, a simple and intuitive offer
Need to isolate professional spending thanks to a dedicated bank account? With Bank Axait's possible! You can easily open a professional account and control your micro-entrepreneur activities from your mobile or office.
In addition, you have a Visa Classic card, as well as instant and free transfers.
The price: the Axa Banque offer is not monthly. The costs applied will depend on the use of your bank account. If you accumulate more than € 900 payment by card, each quarter, then you will have no fees. But if you do not use it, you will have to pay € 15 / quarter (i.e. € 5 / month).
There is no account holding fees, but costs apply if you are openly or samples are rejected.
11. Blank
A subsidiary of Crédit Agricole, Blank is an online bank dedicated to the self -employed. In 10 minutes, you can open an account and manage your finances.
Intuitive and practical, the mobile application helps you consult your accounts from anywhere. You check, at a glance, if the latest bills have been paid.
Besides, Blank integrates a billing tool and quotes, helping you produce compliant documents in a few clicks.
In addition, online bank takes care of your URSSAF declarations! A service that saves you 2 hours a month.
The price: BLANK offers a free trial offer for 1 month. No commitment is required. And if the test is conclusive, you can subscribe from 6 € HT / month.
Conclusion
All these banks offer formulas dedicated to freelancers and independent. Probe your needs to choose the establishment that can help you manage your finances!
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