Business online banking comparator

Compare Qonto and other online business banking services.
Comparison made on May 5, 2020.

30 days free trial - Commitment-free

Anytime

Boursorama

N26

Shine

Qonto

Anytime

Anytime

Compare

Boursorama

Compare

N26

Compare

Shine

Compare

Anytime

Compare

Boursorama

Compare

N26

Compare

Shine

Compare

Accounts

Monthly pricing

From €9

(excl. VAT)

From €9.50

(inc. VAT)

From €9

(inc. VAT)

Free

From €3.90

(inc.VAT)

Capital Deposit

€50 alone

or included in yearly pack

€200

or included in a pack

From €30

(exc. VAT)

N/A

€69 alone

or included in a pack

IBAN

French IBAN

French or British IBAN

French IBAN

IBAN depending on market

French IBAN

Bank overdraft granted

Maximum of
€2,500

Overdraft is possible

up to €10K for all German and Austrian customers

Legal forms

SAS, SASU, SARL, EURL, SC, micro-entreprises, professions libérales

SAS, SASU, SARL, EURL, SC, micro-entreprises, professions libérales and associations

Micro-entreprises

Freelancers

Micro-entreprises, EURL, EIRL, SASU, SARL, SAS

Help for bank switch

Monthly pricing

Monthly pricing

From €9

(excl. VAT)

From €9.50

(inc. VAT)

From €9

(inc. VAT)

Free

From €3.90

(inc.VAT)

Capital Deposit

Capital Deposit

€50 alone

or included in yearly pack

€200

or included in a pack

From €30

(exc. VAT)

N/A

€69 alone

or included in a pack

IBAN

IBAN

French IBAN

French or British IBAN

French IBAN

IBAN depending on market

French IBAN

Bank overdraft granted

Bank overdraft granted

Maximum of
€2,500

Overdraft is possible

up to €10K for all German and Austrian customers

Legal forms

Legal forms

SAS, SASU, SARL, EURL, SC, micro-entreprises, professions libérales

SAS, SASU, SARL, EURL, SC, micro-entreprises, professions libérales and associations

Micro-entreprises

Freelancers

Micro-entreprises, EURL, EIRL, SASU, SARL, SAS

Help for bank switch

Help for bank switch

Cards

Type of card provided

Debit Mastercard card

Debit Mastercard card

Visa Premier card or Visa Classic card

Mastercard card

Prepaid Mastercard card

Card transactions in euros

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

Non-euro card payment

Free

with the X card

€0

per transaction

1.94%

per transaction

€0

per transaction

1.90%

per transaction (with the Premium card)

ATM withdrawal

Free

with the X cars or €1 per withdrawal (with the One Card)

€2

per withdrawal

Free

5 free withdrawals

then €2 per withdrawal

€1

per withdrawal (2 withdrawals per month for Premium users)

ATM withdrawal limits

Up to €3,000 per card

per calendar month with the X Card

€5,000

per month

€920

on 7 rolling days

€2,500

per day and max 20,000€ per month

No information

Payment limits

Up to €60,000 per card

per calendar month with the X Card

€30,000 per month

with a limit 5,000€ per day

€3,000

per calendar month

Unlimited

No information

Google Pay / Apple Pay

Card reader

1.75% on transaction amount

+ €19 for card reader (to pay once) with Zettle

1.50% on transaction amount

+ €19 for card reader (to pay once)

1.75% on transaction amount

+ €19 for card reader (to pay once) with Zettle

N/A

1.49% on transaction amount

+ €19 for card reader (to pay once) with SumUp

Type of card provided

Type of card provided

Debit Mastercard card

Debit Mastercard card

Visa Premier card or Visa Classic card

Mastercard card

Prepaid Mastercard card

Card transactions in euros

Card transactions in euros

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

Non-euro card payment

Non-euro card payment

Free

with the X card

€0

per transaction

1.94%

per transaction

€0

per transaction

1.90%

per transaction (with the Premium card)

ATM withdrawal

ATM withdrawal

Free

with the X cars or €1 per withdrawal (with the One Card)

€2

per withdrawal

Free

5 free withdrawals

then €2 per withdrawal

€1

per withdrawal (2 withdrawals per month for Premium users)

ATM withdrawal limits

ATM withdrawal limits

Up to €3,000 per card

per calendar month with the X Card

€5,000

per month

€920

on 7 rolling days

€2,500

per day and max 20,000€ per month

No information

Payment limits

Payment limits

Up to €60,000 per card

per calendar month with the X Card

€30,000 per month

with a limit 5,000€ per day

€3,000

per calendar month

Unlimited

No information

Google Pay / Apple Pay

Google Pay / Apple Pay

Card reader

Card reader

1.75% on transaction amount

+ €19 for card reader (to pay once) with Zettle

1.50% on transaction amount

+ €19 for card reader (to pay once)

1.75% on transaction amount

+ €19 for card reader (to pay once) with Zettle

N/A

1.49% on transaction amount

+ €19 for card reader (to pay once) with SumUp

Transfers and direct debits

In/out SEPA transfers in euros

Outgoing SEPA transfers in foreign currencies

Between 0.70% and 0.90%

per transfer (18 currencies)

From 0.70%

+ €2.50 per transfer

0.1%

(minimum transfer amount of €20)

Transferwise
pricing

From 0.06%

per turnover

Incoming SEPA transfers in foreign currencies

Free

Bank fees

0.1%

(minimum transfer amount of €20)

Free

Bank fees

Debits

SEPA debits

+ B2B SEPA debits included

€2

per SEPA debit mandate

Included

SEPA direct debits available and free

SEPA debits included

In/out SEPA transfers in euros

In/out SEPA transfers in euros

Outgoing SEPA transfers in foreign currencies

Outgoing SEPA transfers in foreign currencies

Between 0.70% and 0.90%

per transfer (18 currencies)

From 0.70%

+ €2.50 per transfer

0.1%

(minimum transfer amount of €20)

Transferwise
pricing

From 0.06%

per turnover

Incoming SEPA transfers in foreign currencies

Incoming SEPA transfers in foreign currencies

Free

Bank fees

0.1%

(minimum transfer amount of €20)

Free

Bank fees

Debits

Debits

SEPA debits

+ B2B SEPA debits included

€2

per SEPA debit mandate

Included

SEPA direct debits available and free

SEPA debits included

Checks

Checkbook

Check cashing

Maximum amount per check

No limitation

€6,250

No limitation

€5,000

Checkbook

Checkbook

Check cashing

Check cashing

Maximum amount per check

Maximum amount per check

No limitation

€6,250

No limitation

€5,000

Easy accounting

Receipt certification and archiving

New Receipts digitized on Qonto hold the same value as their paper version, thanks to probative value certification. In a simple scan, you are covered in case of control.

Automatic VAT detection

New

Receipt certification and archiving

New Receipts digitized on Qonto hold the same value as their paper version, thanks to probative value certification. In a simple scan, you are covered in case of control.

Receipt certification and archiving

New Receipts digitized on Qonto hold the same value as their paper version, thanks to probative value certification. In a simple scan, you are covered in case of control.

Automatic VAT detection

New

Automatic VAT detection

New

How does an online banking
comparator work?

Online banks and special features

Online banks and accounting services

Online banks and fees

Compare customer services of online banking services for professionals

Business finance mangement solutions or banks don't own the same licences as traditional banks. However, they can offer similar services for a business bank account: payment cards, French IBAN, real time payments. They also have an edge: being digital only. You don't need to make an appointment to open a business account or to deposit your share capital. You can use the same services, but better!

Besides fees, you will also want to compare the bookkeeping services that online banks can provide. All entrepreneurs that have done accounting before will confirm it: it's an energy and time wasting task! Having the opportunity to execute it via a banking service will help you focus on your project.

To compare the bank fees is essential. Indeed, online banks don't offer the same price plans and they might differ a lot from one to another. Besides the opening fees, some extra-cost could apply for special features or options. A good indicator of your needs is the legal form of your company!

The customer service is key when talking about online banks. You have to make sure someone will be able to answer your questions when needed! To compare the different customer services, an entrepreneur can always check the review on the internet, but a qualitative comparator will help him to spot the best ones.

How does an online banking
comparator work?

Online banks and special features

Business finance mangement solutions or banks don't own the same licences as traditional banks. However, they can offer similar services for a business bank account: payment cards, French IBAN, real time payments. They also have an edge: being digital only. You don't need to make an appointment to open a business account or to deposit your share capital. You can use the same services, but better!

Online banks and accounting services

Besides fees, you will also want to compare the bookkeeping services that online banks can provide. All entrepreneurs that have done accounting before will confirm it: it's an energy and time wasting task! Having the opportunity to execute it via a banking service will help you focus on your project.

Online banks and fees

To compare the bank fees is essential. Indeed, online banks don't offer the same price plans and they might differ a lot from one to another. Besides the opening fees, some extra-cost could apply for special features or options. A good indicator of your needs is the legal form of your company!

Compare customer services of online banking services for professionals

The customer service is key when talking about online banks. You have to make sure someone will be able to answer your questions when needed! To compare the different customer services, an entrepreneur can always check the review on the internet, but a qualitative comparator will help him to spot the best ones.

Ready?

Are you ready to open a professional account for your company ?
Whether you are a self-employed contractor or a small business with a team,
Qonto is the business account that you need!