Best Business Bank Accounts in Europe 2026

Jan 1, 2026 - 14:00

Quick verdict

Europe’s business banking market has changed dramatically over the past decade. Digital challenger banks, multi-currency platforms and app-first providers now compete directly with traditional lenders for SME and startup customers. For companies operating across borders — whether importing goods, paying international suppliers or hiring remote teams — choosing the right business bank account can have a major impact on cashflow, FX costs and operational efficiency.

In 2025, the strongest options for most European companies are Revolut Business, Wise Business and Qonto, all of which combine multi-currency support, fast onboarding and powerful integrations with modern finance software. Traditional banks still play a role for credit and cash deposits, but for day-to-day business banking, digital platforms increasingly lead the market.

Comparison: the top European business bank accounts

Bank	Best for	Key strength
Revolut Business	Fast-growing SMEs	Global payments and team cards
Wise Business	Cross-border companies	Low-cost FX and multi-currency accounts
Qonto	EU-based companies	Clean interface and accounting integrations
Starling Bank	UK SMEs	Full banking licence and lending
N26 Business	Solo founders	Simple euro-zone banking

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Fees and pricing

Pricing varies widely. Digital providers typically charge a modest monthly fee but save businesses far more through lower FX margins and cheaper international transfers.

Wise Business charges no monthly fee but applies ultra-low FX spreads — ideal for international trade.
Revolut Business offers tiered plans, with higher tiers unlocking bulk transfers, cards and integrations.
Qonto charges a monthly fee but includes SEPA transfers, accounting tools and strong compliance support.

For companies that regularly send and receive foreign currency, the difference in FX pricing alone can save thousands per year — far more than any subscription cost.

Who these accounts are for

These accounts are designed for:

European startups and scale-ups
Cross-border e-commerce sellers
International consultants and agencies
Import/export businesses
Founders running companies from outside their home country

If your business moves money internationally, pays overseas suppliers or operates in multiple currencies, modern business bank accounts offer a huge advantage over traditional high-street banks.

Pros & cons

Pros

Multi-currency accounts with local IBANs
Fast onboarding compared with traditional banks
Integrated cards and expense management
API and accounting software integrations

Cons

Not all offer credit or overdrafts
Cash deposits can be limited
Some fintechs have stricter compliance checks

FAQs

Are digital business banks safe?
Yes. Most operate under full EU or UK banking licences or as regulated electronic money institutions.

Can non-resident founders open an account?
Some providers allow this — see our Non-Resident Business Banking guides.

Do these accounts replace a traditional bank?
For payments and day-to-day operations, yes. Many companies still keep a legacy bank for loans or cash handling.