Free option —
DE IBAN
ⓘ
✓
Accounting integration ✓
Tax sub-account
ⓘ
—
Available on Web
Best for Solo & Team
Business Bank Accounts for Freelancers
Business bank accounts for freelancers and small businesses: compare fees, IBAN region, accounting integrations.
- Full bank vs payment institution clearly labelled
- Free tiers and tax sub-accounts compared
- Kontist, Qonto, Finom, N26 Business & more
A business bank account separates private and business finances. It's the cheapest bookkeeping upgrade there is, and often required by consumer banks' terms anyway. Our comparison puts the best 2026 accounts side by side, with Finom as our EU top pick with built-in invoicing (US freelancers: see Found and Lili below the table). Fees, IBANs and bookkeeping integrations are listed per provider in the table.
| |  |  |  |  |  |  | |||
|---|---|---|---|---|---|---|---|---|---|
| Free option | — | ✓ | ✓ | ✓ | ✓ | — | — | — | ✓ |
| DE IBAN German IBAN A German IBAN (DE prefix) is still the default for German B2B clients, direct debits and authorities. EU-IBANs are legally equivalent but sometimes rejected. | ✓ | — | — | ✓ | — | — | — | — | ✓ |
| Accounting integration | ✓ | ✓ | — | — | ✓ | ✓ | ✓ | — | — |
| Tax sub-account | — | ✓ | — | — | ✓ | — | ✓ | — | — |
| Available on | Web | Web | Web | Web | Web | Web | Web | Web Mobile | Web |
| Best for | Solo & Team | Solo | Solo & Team | Solo & Team | Solo | Solo & Team | Solo | Solo | Solo |
| Visit site | Visit site | View offer* | Visit site | Visit site | Visit site | View offer* | View offer* | Visit site |
Free option ✓
DE IBAN
ⓘ
—
Accounting integration ✓
Tax sub-account
ⓘ
✓
Available on Web
Best for Solo
Free option ✓
DE IBAN
ⓘ
—
Accounting integration —
Tax sub-account
ⓘ
—
Available on Web
Best for Solo & Team
Free option ✓
DE IBAN
ⓘ
✓
Accounting integration —
Tax sub-account
ⓘ
—
Available on Web
Best for Solo & Team
Free option ✓
DE IBAN
ⓘ
—
Accounting integration ✓
Tax sub-account
ⓘ
✓
Available on Web
Best for Solo
Free option —
DE IBAN
ⓘ
—
Accounting integration ✓
Tax sub-account
ⓘ
—
Available on Web
Best for Solo & Team
Free option —
DE IBAN
ⓘ
—
Accounting integration ✓
Tax sub-account
ⓘ
✓
Available on Web
Best for Solo
Free option —
DE IBAN
ⓘ
—
Accounting integration —
Tax sub-account
ⓘ
—
Available on Web Mobile
Best for Solo
Free option ✓
DE IBAN
ⓘ
✓
Accounting integration —
Tax sub-account
ⓘ
—
Available on Web
Best for Solo
All 9 business bank accounts at a glance
Which business account fits you? a few quick questions to your match
Answer a few quick questions — we match Finom, Qonto, Wise & co., data-driven.
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To the newsletterFrequently Asked Questions
What is the best business bank account for freelancers?
Finom is our 2026 top pick for freelancers in Europe: free tier, local IBANs and invoicing built into the account. US-based freelancers should look at Found or Lili (listed below the table, as they're US-only and don't fit the EU-IBAN comparison). The table compares fees, IBANs and bookkeeping integrations.
Do freelancers need a separate business account?
Legally usually not (as a sole proprietor), but practically yes. Many consumer banks prohibit business use in their terms, and mixing personal and business transactions turns bookkeeping and tax prep into archaeology. A separate account is the single cheapest bookkeeping upgrade there is.
Are there free business bank accounts?
Yes, several providers in the comparison offer zero-monthly-fee tiers. Limits typically apply to the number of free transactions, cash deposits or sub-accounts. Check the “Free” column in the table for the accounts that stay free permanently.
What should I look for in a freelance business account?
Four things decide it: monthly fees (and what's actually included), a local IBAN or ACH details your clients can pay without friction, bookkeeping integrations (or built-in invoicing), and tax sub-accounts that set aside VAT/income tax automatically, the feature that saves freelancers from the classic year-one tax shock.