It is not always easy to navigate. Keep in mind, however, that the microentrepreneur has the obligation to have a bank account other than its personal account if it generates more than 10,000 euros in billing per year for two consecutive years (source undertakes. Service-public.fr/). Often, more expensive management costs than a personal bank account and sometimes it is difficult to open when it launches its business in the face of the refusal of conventional banks, many entrepreneurs are now resorting to pro -line banks that offer multiple services. And for some of them, everything is completely free. Let’s take a balance.
Indy, the other bank in line with a free professional account without hidden costs
Change your way of seeing the bank in line with INDY, the bank chosen by more than 150,000 independents. With its excellent 4.8/5 score in Tustpilot, INDY offers a 100 % online professional bank and 100 % free to receive your transfers, take your samples and administer your accounting and billing in a few clicks of the software that is graciously available for you. In Indy, without endless offer, you have the option between theFree offer and a complete formula that is currently offered at the price of 12 euros ht per month instead of 16 euros.
INDY is a partner of Swan, a French electronic currency establishment approved by the ACPR, the prudential and resolution control authority that supervises the banking and insurance sectors in France to maintain financial stability and combat money laundering. Simply follow the link on the Indy site to open your professional bank account in a few clicks. In case of doubt, you can also make an appointment with an advisor who will help him in his efforts. The offer of 0 euros offers a bank account with a MasterCard card limited to 10,000 euros/month, unlimited transfers and samples in addition to the commercial and financial management of your business. The premium offer improves the social component by the VAT declaration, the tax package and the evaluation + other mandatory statements.
Shine, the professional bank that stands out with an account of 0 euros per month
Shine can talk to professionals. Why pay a bank account as soon as your business is believed? To limit costs, Shine offers a first bank account without management rates or hidden costs. Depending on the development of your business, it will always be a lot to go to a higher offer. Shine is, therefore, the ideal online bank to start gently. Obviously, you receive a Frenchian and you have access to quite practical billing tools. In fact, billing is now supervised for micro-entrepreneurs and this service allows you to continue being legality.
With your first free free offer, the online bank shine provides you with a basic bank card and authorizes 5 transfers and retreats without charge and the creation of 3 invoices per month. To obtain the offer from Shine Serenely, you can choose the initial offer for 11 euros ht/month With its 30 monthly transfers and an increase in the card payment roof. The two higher, more and business options, respectively to 25 euros and 80 euros HT/month, offers many options, including several Premium Mastercard physical cards and a greater amount of marine transfers and samples.
Qonto: pay less than 10 euros/month on your professional account
The Qonto online bank offers a quality letter service from the first offer, which is defined as a payment institution supervised by the Banking of France. Go to the Qonto site to discover the various subscriptions that the online bank has classified into 3 levels and by type of business: self-understanding, TPE of 1 to 9 employees and SME for structures with more than 10 employees.
Qonto organizes its offer around 3 variations: a basic account currently in 9 euros per month Excl. Instead of 11 euros with a MasterCard card, 30 transfers or samples/month and the management of customer invoices with synchronization with their other bank accounts. Therefore, for an independent and working worker on their own, the intelligent formula for 19 euros/month ht Instead of 23 euros, add additional transfers and access to accounting tools. Finally, the formula in 39 euros/month ht Instead of 45 euros, it improves the number of monthly transfers and provides a bank account and 4 sub -account, not forgetting the priority customer service 24 hours a day, 7 days a week.
Blank, the professional story of independent workers without obligation
Blank claims it in its place: the online bank offers a full professional bank account of 6 euros, excluding taxes per month and without any commitment. With your customer service available 6 days of 7 and 100 % human, Blank is an online bank that offers you experience in reliability and banking at the service of your business. To do this, nothing easier, go to the blank site and allow you to be guided to open your professional bank account.
Nothing better than trying for free and without obligation the supply of blank bank. Take advantage of the month of one month tests to evaluate the quality of services between the 3 offers, such as the simple offer for 6 euros ht per month, Including 30 monthly transfers and a tool to create appointments and invoices and billing in UrsSAF. The comfort formula in 17 euros/month ht Add additional transfers and increase the bank card roof and include a retention guarantee. Finally, the full offer to 39 euros/month ht Guarantees unlimited transfers, higher payment ceilings and 6 days a week by email or telephone.
How to choose your bank online for your professional account?
To choose your online bank if you are a professional, always verify that the organization is well authorized in French territory and that you will receive a Frenchian IBAN for your transfers know. Also remember to guarantee the amount of costs and conditions to open the account. In addition, make sure that the bank can collect checks and that accounting integration allows easy export to your dedicated software or that of your public accountant.
In addition to the essential characteristics, stop the cost of the monthly subscription, transfer costs, withdrawals and withdrawals and their monthly limitation without forgetting the commissions possibly collected in receipts, including cash. Finally, compare interest rates in overcoming. Customer service is also essential. The assistance must be rapid and receptive and available every day by phone, email or cat. The majority is the presence of a dedicated advisor for personalized support if necessary.
What are the costs of an online bank for a professional account?
The fresh word should always make you react. If the bank offers to pay a percentage in cash delivery, but you do not do any, that is not a problem. But if you regularly put species to your account, the amount of costs can be significant for a year. In other words, observe the costs that your business is likely to pay. If it is normal to pay the account management rates, pay a percentage for the sums deposited is not.
If most online banks offer a series of free transfers, it can be charged from 0.20 euros to 0.50 euros for additional operation. Note that instant transfers are now free since January 9, 2025. Higher costs can be applied (generally between 7 and 12 % depending on the case) and rejection rates between 15 and 20 euros are identical to those of conventional banks.
Why choose a professional account on an online bank for your business?
Eliminating your professional bank account from a physical bank to resort to an online bank allows you to save costs. In fact, these structures are generally 2 to 5 times cheaper than conventional establishments and are transparent in applied costs. The administration of the online bank account is easy, rapid applications and mobile applications are generally easy to use.
The presence of tools such as easy exports to their accounts, but also the creation of appointments and the question of their invoices allows you to follow tax regulations. This, after the obligation made on January 1, 2026, to the entrepreneurs of issuing their invoices in electronic format (e-voice) and transmitting them to the administration in electronic reports. All banks presented above comply with this obligation. When choosing an online bank for your professional account, you facilitate the financial management of your company, but keep in mind that in case of professionals and credit lines, you will have to resort to a traditional bank.
This content was made by an expert from the BFMTV purchase team. The purchasing team is independent of BFMTV.com editorial staff. The indicated prices occur as an indication and they are likely to evolve. BFMTV is likely to receive remuneration when one of our readers proceeds to a purchase through the links integrated in this article.
Source: BFM TV
