Compare business bank accounts

Looking for the ideal business bank account? Use the following overview (as of 2023) to compare Qonto with a selection of other providers - and decide for yourself which one best suits your needs.

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Over 400 000 companies trust Qonto

Two good reasons to try Qonto

  1. Everything in 1 app. Qonto is so much more than just a business account: it lets you manage your finances by connecting invoicing and accounting tools.
  2. Gain time, the moment you get started. From account opening to accounting and team management, Qonto gives you your time back.

N26
Revolut Business
Commerzbank
Sparkasse

Monthly pricing

From €9
excl. VAT
From €0
From €0
From €9
first 6 months free
From €10
for Sparkasse Berlin; from €6-10 for other branches

Open account online






Time until account is available

<48h
N/A
N/A
a few days
N/A

Accepted company formations

Sole proprietors, freelancers, GmbH, UG, AG, KG, gGmbH, oHG, KGaA, GbR, and more
Sole proprietors & freelancers
GmbH, UG, AG, PartGmbB, registered partnerships, sole proprietors & freelancers
Sole proprietors, capital companies, private company
Sole proprietors, capital companies, private company

Customer service

Answers in less than 15 minutes, 7 days a week
N/A
7 days a week
N/A
N/A

SEPA payments

Up to 1,000 included

Up to 1,000 included
10, 50 or 250 a month included
then €0.15 or €0.20 per transaction
10, 50 or 75 a month included
then €0.20 or €0.40 per transaction

Account overdraft

-

-


Payment cards

1, 2, 5 or 15 cards included
depending on the subscription
1 card included
Up to 3 cards included
1 card included
For a fee

Card types

Choice of: Mastercard Debit Mastercard World Business Debit
N26 Mastercard Debit
Debit Mastercard
Business Card Premium (credit card), Business Card Premium Debit (debit card)
Sparkassen-Card (debit card), credit card can be applied for)

Virtual cards


1 included
up to 200 per team member
-
-

Instant cards


-
-
-
-

Additional card costs

From €2/month
N/A
Delivery cost of GBP 4.99
no card fee
N/A
€12.50 per debit card

Payment limit

Up to €200,000/month
N/A
€100,000 per payment
with instant SEPA
N/A
N/A

Cash withdrawal fees

X Card: no fees
Plus Card: 5 free withdrawals/month then €1 per withdrawal
One Card: €1 per withdrawal
Up to 5 included
in Germany per month
2% per withdrawal
€2.50 per transaction; at Commerzbank or Cash Group ATM
€1.50 per transaction

Cash withdrawal limit

Up to €15,000 per card/month
in Germany
Up to €2,500/week, up to €1,000/day
Up to GBP 100,000 per card/month, up to GBP 3,000 per day/account
N/A
N/A

Premium metal card available


-

-
-

Team additions


Up to 15 included
depending on the plan

-
-

Document archival and certification


-
-
-
-

Sub accounts with individual IBANs

Up to 25 included
depending on the plan
Up to 10
Sub-accounts for other currencies
Up to 1 sub-account for other currency
-

Team expense management

Individual card limits, collective transfers and transfer requests, Instant Cards and much more.
-
Expense management of the team in one place, €5 per team member/month.
-
-

The all-in-one account that boosts your business

Iconography Employees

Fast

Open your account in a few minutes, without an appointment and all online.
Iconography Transparent

Fair

Total account transparency. No hidden fees, guaranteed.
Iconography Flexibility

Flexible

Choose the account plan that fits your business model.
Iconography Customer Service

Available

We’re here to help. Our customer service team is available 7 days a week.

Detailed business account comparisons - make the right decision

We can’t make your decision for you, but we can give you everything you need to make the right one on your own. Compare the other business accounts from online providers and traditional banks and choose for yourself.

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Traditional business accounts

Discover the offers from traditional banks in Germany.
Compare business accounts
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Online business accounts

Compare the digital business accounts available in Germany
Compare online offers

What is our business bank comparator?

Research transfers and debits

Know what kind of legal forms are accepted

Assess the quality of customer service

Compare all the available business accounts

Discover the selection of business payment cards

Compare accounting integrations

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Simplify your expense management

  1. Issue Mastercard cards to your employees and assign individual limits.
  2. Stay in control, in real-time, via the app.
  3. Rid yourself of paper: our receipt storage is GobD-compliant.
  4. Set up account access for your team and assign individual access rights.
SEO Highlight OneCard PusCard XCard

Smart Mastercards. The right cards for every occasion.

Have any questions?

We are here for you and will be happy to assist you by presenting Qonto’s plans to find the offer that suits you best.

FAQ

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