Best Digital Business Banks in Europe (2026)

Quick verdict

Europe’s digital business banks have matured into full-service financial platforms, offering far more than simple current accounts. In 2026, the strongest providers combine multi-currency wallets, corporate cards, FX tools and accounting integrations in one place — often at a fraction of the cost of traditional banks. For most internationally-focused companies, Revolut Business, Wise Business and Qonto now outperform legacy banks on speed, flexibility and pricing.

For founders running cross-border operations, choosing the right digital business bank can directly impact working capital, FX exposure and compliance risk. This guide compares the leading platforms serving European companies today.

Comparison: the top digital business banks

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Fees and pricing

Digital business banks typically charge a monthly subscription, but their true value comes from lower transaction and FX costs.

• Wise Business charges no monthly fee but applies minimal FX spreads, making it ideal for international trade.

• Revolut Business uses tiered plans with higher FX allowances and more cards at higher levels.

• Qonto charges a fixed monthly fee but bundles SEPA payments, bookkeeping tools and compliance support.

For companies that send and receive multiple currencies, savings on FX alone can outweigh any subscription fee — especially compared with traditional banks.

For a broader view, see our best business bank accounts in Europe (2026) guide.

Who digital business banks are for

These platforms are designed for:

• Startups and scale-ups

• E-commerce businesses selling across Europe

• Companies paying international contractors

• Agencies and consultancies billing in multiple currencies

• Founders operating from outside their home country

If your business operates internationally, digital business banks remove friction from payments, currency conversion and team expenses.

Pros & cons

Pros

• Multi-currency accounts with local IBANs

• Faster onboarding than traditional banks

• Corporate and virtual cards for teams

• Integrations with accounting software

• Lower FX and international payment costs

Cons

• Limited credit and lending

• Cash deposits often unavailable

• Support varies by pricing tier

FAQs

Are digital business banks regulated?
Yes. Providers such as Revolut, Wise and Qonto operate under European and UK financial regulations.

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

Do I still need a traditional bank?
Some companies keep one for loans or cash, but many now run entirely on digital banks.

Further reading

To explore Europe’s business banking ecosystem, see:

• Best Business Bank Accounts in Europe (2026)

• Revolut Business Review

• Wise Business Account Review

• Qonto Business Account Review

• Best Multi-Currency Business Accounts

• Best Startup Bank Accounts in Europe

• Payments & FX platforms for international companies

• Non-Resident Business Banking guides

Explore all our Business Banking coverage here:
https://europeanbusinessmagazine.com/buying-guides/business-banking/

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