Best online banks for professionals

Nicolas Gromer
LAST UPDATED
October 14, 2025
READING TIME
7 min.

1. Shine – an online business account and co-pilot for entrepreneurs

Ratings

  • 4.7 on Trustpilot (5,839 reviews)
  • 4.6 on Google Play (7.9k reviews)

Features

With more than 120,000 clients, Shine is one of entrepreneurs’ favorite online business accounts.

Voted Customer Service of the Year 2025, Shine lets you speak directly with a human seven days a week — even on weekends.

Beyond being just a bank, Shine is also a certified B Corp and positions itself as a responsible business co-pilot, offering many free tools and resources. You can even get personalized guidance when starting your company.

Key features include:

  • Mastercard Business card and virtual cards
  • Integrated invoicing and pre-accounting tools
  • Comprehensive insurance (Plus & Business plans)
  • Expense management tools for teams
  • Check and cash deposits

Pricing

Four plans are available to cover all needs:

  • Shine Free: €0/month
  • Shine Start: €11/month
  • Shine Plus: €25/month
  • Shine Business: €80/month

Pros:

  • Free plan available
  • Ideal for freelancers, small and mid-sized businesses
  • High-quality support available every day
  • Rich set of banking features
  • Extra services (company creation help, invoicing, accounting, capital deposit, etc.)

Cons:

  • Less suitable for large companies

2. Propulse – a pro account with comprehensive insurance coverage

Ratings

  • 3.8 on Trustpilot (424 reviews)
  • 3.3 on Google Play (389 reviews)

Features

Propulse by CA is a subsidiary of Crédit Agricole, designed for freelancers and small businesses.

One of its key strengths is the range of insurance options covering professional risks such as delayed trains or flights, lost luggage, or non-delivery of business purchases.

Propulse also supports entrepreneurs with business plan templates and expert assistance for company creation.

Pricing

  • Start: €8/month
  • Start +: €17/month

Pros:

  • Unlimited transfers and direct debits
  • Insurance available from the basic plan
  • Business creation support

Cons:

  • No cash or check deposits
  • Limited banking tools
  • Not ideal for SMEs or larger companies

3. Qonto – a professional account packed with features

Ratings

  • 4.8 on Trustpilot (42,335 reviews)
  • 4.7 on Google Play (32.1k reviews)

Features

Qonto is one of the most popular business accounts among entrepreneurs. It’s an independent company offering a complete professional account for all business sizes, including large corporations.

Available features include:

  • Physical and virtual cards
  • Client payment solutions
  • Domestic and international transfers
  • Invoicing tools
  • Online company creation
  • Interest-bearing business account

Pricing

Qonto offers six plans:

  • Basic: €11/month
  • Smart: €23/month
  • Premium: €45/month
  • Essential: €59/month
  • Business: €119/month
  • Enterprise: €249/month

Pros:

  • Extensive features for all business sizes
  • Interest-bearing accounts to grow cash reserves
  • Scales as your company grows
  • Suitable for SMEs and larger firms

Cons:

  • No cash deposits
  • No free plan

4. Revolut Business – the best option for international professionals

Ratings

  • 4.6 on Trustpilot (277,312 reviews)
  • 4.7 on Google Play (3.61M reviews)

Features

Revolut offers both personal and business accounts. Its business version is perfect for companies working internationally, with low currency conversion fees and the ability to:

  • Transfer money to over 100 countries
  • Manage funds in more than 25 currencies
  • Accept payments online or through Revolut’s POS terminals

Revolut also allows you to invest and grow your company’s cash reserves.

Pricing

  • Basic: €10/month
  • Grow: €30/month
  • Scale: €90/month
  • Enterprise: on request

Pros:

  • Easy account opening and intuitive app
  • Multi-currency account with competitive exchange rates
  • Treasury investment options

Cons:

  • Missing services (company creation, insurance, etc.)
  • No cash or check deposits

5. Finom – a pro account for SMEs

Ratings

  • 4.5 on Trustpilot (8,527 reviews)
  • 4.7 on Google Play (3.8k reviews)

Features

Finom targets small and medium-sized businesses, including freelancers. Its key features include:

  • Expense management tools
  • Cashback on business purchases
  • Integrations with 50+ accounting tools
  • Built-in invoicing features

Pricing

Finom offers a free plan for solopreneurs, and paid plans:

  • Basic: €21/month
  • Smart: €45/month
  • Pro: €149/month
  • Grow: €339/month

Pros:

  • Attractive cashback system
  • Free plan available

Cons:

  • No cash or check deposits
  • Higher prices than competitors
  • Limited support on basic plans

6. Hello! Bank Pro – an online bank with in-person support

Ratings

  • 4.3 on Trustpilot (8,352 reviews)
  • 4.6 on Google Play (61.9k reviews)

Features

Hello! Bank Pro is BNP Paribas’s online bank. Its professional offer, Hello Business, includes:

  • Professional Visa card
  • Unlimited transfers and direct debits
  • Overdraft up to €1,550
  • Payment solutions (cards, cash, checks)
  • Savings and investment tools
  • Built-in quote and invoice generator

Pricing

One plan available: €10.90/month (excl. VAT).

Note: available only for certain legal statuses — self-employed, sole traders, SASU, or EURL.

Pros:

  • Access to BNP Paribas savings, loans, and insurance
  • Authorized overdraft
  • Easy check and cash deposits in BNP agencies
  • French-based customer service (6 days/week)

Cons:

  • Restricted eligibility (specific legal forms only)
  • Limited flexibility (single plan, no free or premium tiers)

7. Indy – an all-in-one accounting and banking tool for freelancers

Ratings

  • 4.7 on Trustpilot (8,533 reviews)
  • 4.7 on Google Play (2.4k reviews)

Features

Originally an accounting platform for self-employed professionals, Indy’s strength lies in bookkeeping.

All plans include simplified accounting tools: transaction categorization, receipt uploads, performance dashboards, advanced invoicing, and financial statements.

You also get basic banking features such as unlimited transfers and direct debits, plus company creation support.

Pricing

  • Essential: €0/month (any legal status)
  • Then depending on your status:
  • €16/month for self-employed
  • €28/month (income tax) / €59/month (corporate tax) for individual businesses
  • €32/month for property companies (SCI/LMNP)
  • €59/month for corporations (SASU, EURL, SAS, SARL)

Pros:

  • Perfect for freelancers and micro-entrepreneurs
  • Combines banking and accounting in one tool
  • Unlimited transfers and direct debits
  • Free company creation with premium plan

Cons:

  • Fewer advanced banking features than competitors
  • No cash or check deposits
  • No insurance options
  • No weekend support

Conclusion – the 7 best online business banks in 2025

Whether you’re a solo founder, a fast-growing startup, or a small family business, choosing the right professional account matters.

Here’s a quick recap of the best options based on your needs:

  • Shine: best for freelancers and SMBs looking for a complete, human-first service starting at €0
  • Propulse: ideal for independents who want insurance coverage
  • Qonto: versatile and scalable for all company sizes
  • Revolut Business: best for international operations
  • Finom: tailored to SMEs with cashback and accounting tools
  • Hello! Bank Pro: perfect for artisans, retailers, and professionals needing in-person service
  • Indy: the go-to option for freelancers who want combined accounting and banking tools

Nicolas Gromer
Growth Marketer @lemlist | Providing you the insights to master cold emails and accelerate your business growth!
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G2 Rating
Price
Best for
Standout feature
Con
4.9
star
star
star
star
star
$30/mo
$75/mo
$2,999/mo
Large, distributed sales teams
AI evaluation precision, gamified KPIs
Lack of tracking system
4.6
star
star
star
star
star-half
Not publicly available
Sales operations and finance teams
Powerful configurability
Limited training resources and complex to navigate
4.4
star
star
star
star
star-half
Not publicly available
Mid-market and enterprise businesses
Comprehensive incentive management
Potentially high cost and steep learning curve
4.7
star
star
star
star
star-half
$15/user/mo
$40/user/mo
Enterprise: custom price
Complex sales structures and businesses of all sizes
Complex sales structures and businesses of all sizes
Steep learning curve
4.6
star
star
star
star
star-half
Not publicly available
Collaborative teams
Connected planning
Complexity and steep learning curve
4.6
star
star
star
star
star-half
Not publicly available
Companies with complex sales structures
Complex incentive compensation management (ICM) with high efficiency and accuracy
Complexity for smaller teams and potentially high costs
4.7
star
star
star
star
star-half
Not publicly available
Companies who want to automate commission calculations and payouts
Simplicity and ease of use
Lack of features like redirection
4.7
star
star
star
star
star-half
$30/user/mo
$35/user/mo
Custom: upon request
Businesses that need a comprehensive and user-friendly sales compensation management software
Ease of use and adoption
Lack of ability to configure the product based on user needs
4.8
star
star
star
star
star-half
Not publicly available
Companies with modern sales culture and businesses who want real-time insights
A built-in dispute management and real-time visibility
Users say it works slowly, customer support is slow
4.9
star
star
star
star
star
$30/user/mo
$50/user/mo
Smaller sales teams
Powerful automation
Lesser user base and average user interface
4.7
star
star
star
star
star-half
Not publicly available
Companies with scalable needs
Automated Commission Calculations
Lack of filtering by date, no mobile app
ERP vs. CRM
ERP
CRM
Summary
Backbone of a business's internal operations.
Backbone of customer-centric interactions and operations.
Goal
To centralize and streamline core business processes in a company.
To increase customer experience, satisfaction and loyalty, and boost sales.
Focus
Internal operations and processes across departments (finance, accounting, inventory, supply chain, HR, and sales).
All interactions with leads and customers.
Manages
Internal business data like financial data, inventory levels, production details, supply chain, HR info.
All customer data like contact info, purchase history, communication history, customer preferences and more.
Users
Finance, accounting, operations, supply chain, and HR departments.
Customer-facing teams like sales, marketing, and customer service.
Benefits
Streamlines operations, improves data accuracy, enhances decision-making, boosts collaboration, increases productivity.
Improves customer relationships, increases sales, strengthens customer service, personalizes marketing campaigns, provides insights.
Price
$150 per user per year on average.
$10 to $30 per user per month on average.
PRM Tool
Rating
Feature
Pro
Con
Mobile App
Integrations
Free Plan
Pricing
4.65
star
star
star
star
star-half
Org-wide alignment
User-friendly layout and database
Suboptimal as a personal CRM
square-check
Lack of tracking system
square-check
Team: $20/month
Business: $45/month
4.7
star
star
star
star
star-half
Social Media Integration
Easy contact data collection
No marketing/sales features
square-check
Lack of tracking system
square-xmark
7-day trial
$12/month
4.75
star
star
star
star
star-half
Block Functions
High customization capability
Not a dedicated CRM
square-check
Limited
square-check
Plus: €7.50/month
Business: €14/month
N/A
Open-source
Open-source flexibility
Requires extensive manual input
square-xmark
Limited
square-check
Self-hosted
$9/month or
$90/year
3.1
star
star
star
Simple iOS app
Ideal for non-tech-savvy users
iPhone only
square-check
iOS only
Limited
square-xmark
1-month trial
$1.49/month or
$14.99/month
3.6
star
star
star
star-half
Smart Contact Management
Feature-rich and flexible
Reported bugs
square-check
Rich
square-xmark
7-day trial
Premium: $13.99/month
Teams: $17.99/month
4.4
star
star
star
star
star-half
Customizable Interface
Customizable for teamwork
Pricey for personal use
square-check
Rich
square-xmark
Standard: $24/member
Premium: $39/member
4.7
star
star
star
star
star-half
Integrated Calling
Integrated Calling
Too sales-oriented & pricey
square-check
Rich
square-xmark
14-day trial
Startup: $59/user/month
Professional: $329/user/month
4.8
star
star
star
star
star
Business Card Scanning
Business Card Scanning
Mobile only
square-check
Limited
square-check
$9.99/month
4.45
star
star
star
star
star-half
160+ app integrations
Comprehensive integrations
No free app version
square-check
Rich
square-xmark
14-day trial
$29.90/month or
$24.90/month (billed annually)
Capterra Rating
Free Trial
Free Plan
Starting Price (excluding the free plan)
Maximum Price (for the most expensive plan)
Best for
4.5
star
star
star
star
star-half
square-check
14-day
square-check
€15/month/seat billed annually
€792/month/3 seats billed annually + €45/month for each extra seat
Versatility and free plan
4.2
star
star
star
star
square-check
30-day
square-xmark
But it offers reduced price to authorised nonprofit organisations
€25/user/month
€500/user/month billed annually (includes Einstein AI)
Best overall operational CRM
4.3
star
star
star
star
star-half
square-xmark
square-check
Limited to 3 users
Comprehensive incentive management
€52/user/month billed annually
Small-medium businesses and automation
4.5
star
star
star
star
star-half
square-check
14-day
square-xmark
€14/seat/month billed annually
€99/seat/month billed annually
Sales teams and ease of use
4.1
star
star
star
star
square-xmark
square-check
Limited 10 users
$9.99/user/month billed annually
$64.99/user/month billed annually
Free plan for very small teams up to 10
CRM goal
Increase the sales conversion rate for qualified leads from marketing automation campaigns by 10% in the next 6 months.
SMART Breakdown
1. Specific: It targets a specific area (conversion rate) for a defined segment (qualified leads from marketing automation).
2. Measurable: The desired increase (10%) is a clear metric, and the timeframe (6 months) allows for progress tracking.
3. Achievable: A 10% increase is possible based on historical data and potential improvements.
4. Relevant: Boosting sales from marketing efforts aligns with overall business objectives.
5. Time-bound: The 6-month timeframe creates urgency and a clear target date.
Actions
Step 1: Refine lead qualification criteria to ensure high-quality leads are nurtured through marketing automation.
Step 2: Personalize marketing automation campaigns based on lead demographics, interests, and behavior.
Step 3: Develop targeted landing pages with clear calls to action for qualified leads.
Step 4: Implement lead scoring to prioritize high-potential leads for sales follow-up.
Step 5: Track and analyze campaign performance to identify areas for optimization.
Outcomes
Increased sales and revenue
Improved marketing automation ROI
Marketing and sales alignment
Data-driven marketing optimization
Table
CDP Software
CRM Software
Approach
Data-centric
Customer-centric
Focus
Interactions across various channels and touchpoints, both online and offline.
Sales, marketing, and customer service interactions.
Functionality
Automatically collects, organizes, tags, and makes data available in real-time.
Helps businesses track customer interactions, sales pipelines, prospects, and service requests.
Goals
Personalized customer experiences across all channels.
Better customer relationships, streamlined processes, and improved profitability.
Benefits
Data integration, management, and accessibility, allowing for detailed analysis and segmentation.
Better communication within teams and with customers by organizing information about customer interactions and history.
Data Handling
Handles both identified and anonymous data, stitches together various data points.
Deals primarily with identified customer data.
Use Cases
Personalized marketing campaigns, targeted advertising, content customization across multiple channels.
Managing campaigns and leads, enhancing customer service, providing better customer support, increasing customer satisfaction and loyalty.
Examples
Insider, Bloomreach, Salesforce Marketing Cloud CDP
HubSpot, Salesforce Sales Cloud Lightning Professional, and Zoho CRM
CRM
Free plan
Best feature
Best for
Con
1. HubSpot CRM
square-check
Sales automation
Sales teams
Up to 1,000 contacts
2. Insightly
square-check
Custom fields
Basic needs
Not enough info about the free plan
3. Agile CRM
square-check
Deal and sales pipeline tracking
Small teams
Up to 10 users
4. Zoho CRM
square-check
Lead and contact management
Businesses of all sizes
Limited to 3 users
5. ClickUp
square-check
Unlimited tasks and unlimited members
Personal use
Up to 100MB storage
6. EngageBay
square-check
Live chat
Small and midsize enterprises
Up to 1,000 branded emails per month
7. Bitrix24
square-check
Unlimited users and 5 scrum teams
Big teams
Up to 5GB of cloud storage
8. FreshSales
square-check
Easy to use and simple setup
Beginners
Up to 3 users
9. Mailchimp
square-check
Very beginner friendly
Marketing teams
Send up to 500 branded emails per month
Type of Affiliate Marketing
Unattached
Related
Involved
Format
Paid advertising
Social media or YouTube channels
Dedicated website or blog
Focus
Quick income
Your niche
Your audience
Engagement with your audience
square-xmark
square-check
square-check
square-check
square-check
Very close connection with your audience
Pro
Little effort
Higher credibility thanks to your niche
Long-lasting and scalable
Con
Paid ads cost a lot
Potential for bias since you don’t use the thing you promote
Require time, effort, and dedication

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