Best Neobank for Business in Europe 2026
Comparing business accounts, SME tools, and freelancer plans across EU neobanks. Updated March 2026.
Europe's leading dedicated SME neobank. 600K+ clients, Datev/Xero/QuickBooks integrations, multi-user from €9/mo.
Multi-currency accounts in 40+ currencies with local bank details in 8+ countries. No monthly fee.
Free business account for freelancers with 0.1% cashback on all card spend. EU banking licence, €100K deposit protection.
Business Account Breakdown
Europe's leading dedicated SME neobank with 600K+ business clients. Best-in-class expense management with receipt OCR, approval workflows, and budget management. €448.7M revenue in 2024, profitable since 2023. Applied for French banking licence in July 2025. No retail personal accounts — 100% business focused.
Best for international payments and multi-currency businesses. 9 local bank details in different currencies. No monthly fee — pay per transfer. Not a full bank (EMI); no EDIS deposit protection, but funds are safeguarded. 16M+ personal + business customers.
5M+ business customers globally. Full EU banking licence via Lithuania (€100K EDIS). Most feature-rich business neobank with multi-currency, crypto payouts, and expense management. Freelancer Basic tier is free.
One of UK's top-rated SME banks with 500K+ business accounts. Free business current account with no monthly fee. Toolkit at £7/mo adds invoicing and bookkeeping. UK-focused only (not available in EU). Starling's 'Engine' banking-as-a-service platform powers banks in Romania and Australia.
UK-only business accounts. EU expansion (via Irish banking licence) is personal accounts only — Monzo Business is not available in EU countries. Strong for UK sole traders and small businesses. Free tier available with invoicing included.
Netherlands banking licence with €100K EDIS. Developer-friendly with fully open public API. Unlimited virtual cards on Pro XL. Good for Dutch and German businesses. No free tier — starts at €9.99/mo.
Pivoted entirely to SME/business banking in March 2025 — no longer offers retail personal banking as standalone. SoftBank-backed. Available in Germany, France, Spain, Netherlands, Luxembourg. DATEV integration strong for German businesses.
Limited to freelancers and self-employed — not suitable for companies with employees or teams. No expense management or invoicing. 0.1% cashback on all purchases is a differentiator for the free tier. German banking licence (BaFin).
Best for Nordic businesses (Denmark, Norway, Sweden). 40K+ business users. Integrates with Scandinavian accounting software. Danish banking licence with deposit protection. MiCAR-licenced for crypto services.
Feature Matrix
| Bank | Free Tier | Multi-User | Expense Mgmt | Invoicing | Accounting | API | Best For |
|---|---|---|---|---|---|---|---|
| Qonto | — | ✅ | ✅ | ✅ | DATEV, Xero | ✅ | SMEs, Freelancers |
| Wise | ✅ | ✅ | ✅ | ✅ | Xero, QuickBooks | ✅ | Freelancers, SMEs |
| Revolut | ✅ | ✅ | ✅ | ✅ | Xero, QuickBooks | ✅ | Freelancers, SMEs |
| Starling Bank | ✅ | ✅ | ✅ | ✅ | Xero, FreeAgent | ✅ | Freelancers, Sole traders |
| Monzo | ✅ | — | — | ✅ | Xero, FreeAgent | ✅ | Freelancers, Sole traders |
| bunq | — | ✅ | ✅ | ✅ | Xero, QuickBooks | ✅ | Freelancers, SMEs |
| Vivid Money | ✅ | ✅ | ✅ | ✅ | DATEV, Lexoffice | ✅ | SMEs, Freelancers |
| N26 | ✅ | — | — | — | Lexoffice, DATEV export | — | Freelancers, Self-employed |
| Lunar | ✅ | ✅ | ✅ | ✅ | e-conomic, Billy | ✅ | SMEs, Freelancers |
| Trade Republic | No business account | ||||||