Even if the law does not require it, having a professional bank card is useful and advantageous for your freelance activity.
It allows you to better follow your expenses, to separate your personal and professional purchases well and to control your cash flow – among others.
Indeed, there are many assets of a professional bank card! Besides, in this article we read the advantages of the professional bank card and give you advice to choose the right bank.
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The 5 best offers of professional bank cards in 2025
To help you in your choice of pro bank card, we have grouped 5 banks that offer a professional CB for freelancers and entrepreneurs.
1. Wallester Business
Wallester Business is the ideal payment solution for established companies wishing to optimize their expenses without unnecessary costs. Unlike traditional professional bank cards, Wallester Business does not charge any monthly or annual expenses and offers 300 virtual cards for free.
In addition, there is no limit on the number of additional virtual or physical cards that you can create.
Main features of the Wallester Business program:
- Zero costs on account recharging, transactions and addition of additional users
- Multi-DEVISION SUPPORT (EUR, USD, GBP and other European currencies)
- Free and complete expenditure management solution for optimal financial control
- Quick integration and 24/7 support, including via WhatsApp and other messaging applications
- Mass payments: Treat up to 1,500 transactions in one click for freelance regulations
- Payroll cards: emit and easily share cards to simplify the payment of freelancers
Wallester Business is the smartest choice for companies looking for flexibility, efficiency and savings in the management of their payments.
2. Shinea mastercard up to € 10,000 in payments per week
Shine offers an offer dedicated to the self -employed. This includes a professional MasterCard bank card at € 7.90 / month and a practical application for:
- Manage your invoices and quotes online,
- Relaunch and collect your customers,
- Add receipts to your transactions,
- Export your accounting data,
- …
The Mastercard provided allows you to make up to € 10,000 in payments per week.
Do you make international payments? Shine also offers offers Shine Plus and Shine Pro Including a Mastercard Business World Defit card.
Shine was Elected customer service of the year 2024 In the online banking category for companies! Do not hesitate to contact their team of experts based in France and available 7 days a week to support you in the good management of your professional accounts. 😉
3. Qonto and the Mastercard Business
With Qontothe Mastercard Business professional bank card is € 9 per month. You can also order physical, virtual or ephemeral, practical cards for making online purchases.
The bank offers different insurances, depending on the level of card chosen. Most guarantees relate to travel abroad.
Qonto can therefore be interesting for freelancers who often move internationally.
4. Hello bank: Banciare pro Visa card with immediate or delayed debit
Through its business offer, Hello Bank offers a professional bank card with immediate or delayed debit Visa, at € 10.90 per month.
You can easily pilot it from its application: block and unlock it, adjust the payment or withdrawal ceilings, synchronize it with Apple, etc.
5. Blank's professional bank card
A subsidiary of Crédit Agricole, Blank offers to make you win 2 hours a month in the management of your activity. Here is time to reinvest in the growth of your activities. How ? In Automating your URSSAF declarations and in Creating your quotes and invoices in 17 seconds!
In addition, the organization simplifies your procedures. It will take you barely 10 minutes to create your online account and get a professional bank card From € 6 excl. Tax per month, with the 1st month free and without commitment.
Your BLANK professional account will allow you in particular:
- to receive a Visa Business card for only € 6 HT/month, with the 1st month offered
- to make transfers in France and abroad
- to create your quotes and invoices easily from the BLANK application
- to export your accounting data with one click
- to connect several bank accounts to a single interface
- to automate your URSSAF statements
Another asset of blank: its guarantees. For example, in case of hospitalization, Blank maintains your income up to € 120 per day for 70 days.
The bank is also distinguished by quality customer service: its advisers are available 7 days a week and respond in 1 min 30 (on average) via their cat.
How to choose your professional bank card?
Before selecting the professional bank card to use, here are some items to check to make a choice that meets your needs!
Professional bank card with immediate or delayed debit?
Bank cards can offer 2 payment methods:
- Immediate debit: your purchases are debited immediately from the account.
- With deferred debit: your purchases are debited at the end of the month (or on a predefined date with the bank).
Some banks give you the choice. It's up to you to see what is most practical for your activity.
Turning to a professional bank card that offers delayed debit can be relevant if your customers pay 30 or 60 days at the end of the month, for example.
The costs related to your professional bank card
The costs are one of the main criteria to be checked when choosing your professional bank card.
You know, banks Carry out a monthly direct debit for the maintenance or management of your professional account. But does this cost understand the CB? For some establishments this will be the case, for others not.
Besides, many banks offer you a card during the first year. So remember to check its price over the following years …
Finally, if you travel regularly for your activity, check the costs taken for transactions abroad.
The advantages offered by your CB Pro
As a freelance, you must look for a professional bank card that frees you from main charges and offers advantages adapted to your activities.
If you subscribe to the “Carte Noire” offer, you benefit from material insurance and a loss of income guarantee.
The advantages of a professional bank card
The objective of a professional bank card is to be able to make payments easily, everything does not distinguish them from your personal expenses.
Most banks will automatically offer you a business card to make the purchases necessary for your activity. And you have every interest in accepting this professional bank card!
We explain to you why …
The professional bank card is a brand of professionalism
A freelance without professional bank card is blocked in its transactions, especially in its daily purchases. Check, transfer or species are impractical and can tarnish your image with your customers.
Indeed, if you are led to make expenses in front of them (by inviting them to the restaurant, for example), they could wonder why you do not have a CB at a time when everyone has one … They could have doubts about your solvency and you risk missing a contract.
Professional CB simplifies your expenses
A professional bank card means that your personal expenses are separated from your business.
Regular surveys allow you to know how you Manage your cash flow. At any time, you can adopt strategies to improve your margin, in particular by reducing certain professional expenses.
Not to mention, that at the time of digital, it is common to subscribe to online tools. However, a bank card is essential to be able to do it! Without that, you risk being blocked on a daily basis …
A professional card to better manage your cash flow
If you have a bank card for your freelance activity, it is because you have a professional account.
Today, most bankslike Blank or Shine, offer you to easily follow your cash via a mobile application and an intuitive web interface.
Using your CB to pay for professional purchases, repay customers, pay for your charges … You get a clear, real -time vision of your cash. This is not necessarily the case with transfers, telepaiements or checks, which sometimes have longer collection times.
CB Pro to comply with tax administrations
Tax organizations go under the magnifying magnifying glass, independent accounts. If you have a check, you will be happy to have opted for a professional bank card!
Indeed, this means of payment simplifies research andAnalysis of your expenses. You can easily justify them than payments in check or cash. Moreover, the usefulness of a professional account is the same: at least, your personal cash flow does not mix with your corporate expenses.
Choose the right pro bank card
You now know how to choose a professional bank card that meets your needs.
Remember to check the hidden costs and insurance provided to select a bank that can meet your expectations, and your budget!